ISB Community Bank

ISB Community Bank is headquartered in Ixonia and is the 65^th largest bank in the state of Wisconsin. It is also the 2,148^th largest bank in the nation. It was established in 1918 and as of March of 2012, it had grown to 65 employees at 7 locations. ISB Community Bank's savings rates are 15% higher than the national average, but it has a 1-star health rating.

ISB Community Bank Routing Number: 075909408

ISB Community Bank Checking Account Rates

ISB Community Bank Savings Account Rates

ISB Community Bank Money Market Rates

ISB Community Bank CD Rates

ISB Community Bank IRA Rates

Data for Q1 2012

Institution Statistics ISB Community Bank FDIC Certificate # 12514 BankRate Report View Year Established 1918 Employees 65 Primary Regulator FDIC Assets and Liabilities Assets $304.42 million Loans $210.55 million Deposits $281.48 million Equity Capital $16.62 million Loan Loss Allowance $12.87 million Unbacked Noncurrent Loans $27.58 million Real Estate Owned $3.91 million Historic Data - March 2011 Assets $366.88 million Equity Capital $25.35 million Loan Loss Allowance $9.63 million Unbacked Noncurrent Loans $20.78 million Real Estate Owned $6.90 million Profit Margin - Quarterly Net Interest Margin 3.13% Return on Assets -5.02% Return on Equity -87.45% Interest Income $2.90 million

Institution Health Overall Score: 1 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 ISB Community Bank had $31.49 million in non-current loans and owned real-estate with $29.48 million in equity and loan loss allowances on hand to cover it. This gives ISB Community Bank a Texas Ratio of 106.82% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for ISB Community Bank increased slightly from 79.13% as of March 31, 2011 to 106.82% as of March 31, 2012, resulting in a negative change of 35.00%. This indicates that the balance sheet and financial strength for ISB Community Bank has declined slightly in recent periods. Deposit Growth In the past year, ISB Community Bank has decreased its total deposits by -$40.8 million, resulting in -12.66% 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 ISB Community Bank has shown is poor. Capitalization 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. ISB Community Bank has $304.42 million in assets with $29.48 million in equity, resulting in a capitalization level of 9.68%, which is average.

No reviews have been left for this bank yet. Be the first to review.