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State Bank Financial
La Crosse, WI · FDIC Certificate #10383 · Chartered 07/2
Total assets
$512.06M
Total deposits
$439.01M
Total equity
$47.91M
Net loans
$344.57M
Branches (offices)
5
Net income (YTD)
$3.27M
Rank: #1,755 of 4,213 U.S. banks by assets · #68 of 153 in Wisconsin. Assets changed 1.8% and deposits 3.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.25% |
| Return on equity | 13.82% |
| Net interest margin (YTD) | 3.29% |
| Equity to assets | 9.36% |
| Tier 1 leverage ratio | 9.94% |
| Uninsured deposits (share of deposits) | 29.4% |
| Noncurrent loans (share of loans) | 0.11% |
| Net charge-offs (share of loans) | -0.03% |
| Loans to deposits | 78.5% |
| Real estate loans (share of loans) | 80.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $277.19M | 80.4% | |
| Commercial & industrial | $45.94M | 13.3% | |
| Consumer / individual | $3.93M | 1.1% | |
| Construction & development | $20.29M | 5.9% | |
| Agricultural | $12.33M | 3.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $439.50M | $397.91M | $1.53M | $30.76M |
| Jun 2023 | $437.66M | $351.87M | $2.66M | $31.09M |
| Jun 2024 | $448.83M | $372.11M | $2.26M | $35.70M |
| Jun 2025 | $503.02M | $425.91M | $2.48M | $42.42M |
| Jun 2026 | $512.06M | $439.01M | $3.27M | $47.91M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $439.01M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $439.01M.
Similar-sized banks
First Robinson Savings Bank, National Association ($512.14M) · Rondout Savings Bank ($512.03M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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