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Overview / Commentary
503 Highway 82 East
Mauston, WI 53948

Bank of Mauston is headquartered in Mauston and is the 82nd largest bank in the state of Wisconsin. It is also the 2,458th largest bank in the nation. It was established in 1932 and as of March of 2014, it had grown to 60 employees at 6 locations. Bank of Mauston has a B health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bank of Mauston had $8.62 million in non-current loans and owned real-estate with $31.61 million in equity and loan loss allowances on hand to cover it. This gives Bank of Mauston a Texas Ratio of 27.26% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bank of Mauston experienced no significant changes from 24.98% as of March 31, 2013 to 27.26% as of March 31, 2014, resulting in a negative change of 9.14%. This indicates that the balance sheet and financial strength for Bank of Mauston has had no significant changes in recent periods.

Deposit Growth


In the past year, Bank of Mauston has increased its total deposits by $2.72 million, resulting in 1.21% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Mauston has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Mauston has $262.45 million in assets with $31.61 million in equity, resulting in a capitalization level of 12.04%, which is excellent.

Institution Statistics

FDIC Certificate #12327
Year Established1932
Primary RegulatorFDIC
Assets and Liabilities
Assets$262.45 million
Loans$143.50 million
Deposits$227.79 million
Equity Capital$28.46 million
Loan Loss Allowance$3.15 million
Unbacked Noncurrent Loans$5.29 million
Real Estate Owned$3.33 million
Historic Data - March 2013
Assets$260.82 million
Equity Capital$30.28 million
Loan Loss Allowance$2.34 million
Unbacked Noncurrent Loans$5.29 million
Real Estate Owned$2.98 million
Profit Margin - Quarterly
Net Interest Margin3.75%
Return on Assets1.86%
Return on Equity17.55%
Interest Income$2.59 million
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Bank of Mauston Money Market Rates

0.15%$50k-Insured Money Market Account
0.15%$50k-Business Money Market Account

Bank of Mauston CD Rates

0.70%$1k-48 Month Business CD
0.70%$1k-48 Month CD
0.70%$500-48 Month Youth CD
0.60%$1k-36 Month Business CD
0.60%$1k-36 Month CD
0.60%$500-36 Month Youth CD
0.50%$1k-24 Month Business CD
0.50%$1k-24 Month CD
0.50%$500-24 Month Youth CD
0.25%$1k-12 Month Business CD
0.25%$1k-12 Month CD
0.25%$500-12 Month Youth CD
0.15%$1k-6 Month Business CD
0.15%$1k-6 Month CD
0.15%$500-6 Month Youth CD
0.10%$1k-3 Month Business CD
0.10%$1k-3 Month CD
0.10%$500-3 Month Youth CD

Bank of Mauston IRA Rates

0.70%--48 Month IRA
0.60%--36 Month IRA
0.50%--24 Month IRA
0.50%--18 Month Variable IRA
0.25%--12 Month IRA
0.15%--6 Month IRA
0.10%--3 Month IRA

Bank of Mauston Locations
Necedah Branch101 South Main StreetNecedah, WI 54646
Mauston Division Street Branch103 Division StreetMauston, WI 53948
Lyndon Station Branch149 Wisconsin StreetLyndon Station, WI 53944
Dells-Delton Bank402 County Highway AWisconsin Dells, WI 53965
Bank Of Mauston503 Highway 82 EastMauston, WI 53948
New Lisbon Branch800 Germantown RoadNew Lisbon, WI 53950