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Overview / Commentary
920-927-3841
203 South Main Street
Reeseville, WI 53579

State Bank of Reeseville is headquartered in Reeseville and is the 232nd largest bank in the state of Wisconsin. It is also the 5,748th largest bank in the nation. It was established in 1902 and as of December of 2013, it had grown to 15 employees at 2 locations. State Bank of Reeseville has a A health rating.

Reviews (2)

State Bank Of Reeseville

If you want to be jacked around, blown off, and ripped off taking out loans, do your banking at the State Bank of Reeseville!

Deserves The 5 Star

I have been doing business with SBR for over 3 years. Great people to work with and for small business they will go the extra mile! Enjoy going there everyday tellers are outstanding.

MWC



Health

Data for Q4 2013

Institution Health

A
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. State Bank of Reeseville has a relatively low asset base.

Texas Ratio

GRADE:
A+

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 December 31, 2013 State Bank of Reeseville had $354,000 in non-current loans and owned real-estate with $7.31 million in equity and loan loss allowances on hand to cover it. This gives State Bank of Reeseville a Texas Ratio of 4.84% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for State Bank of Reeseville experienced no significant changes from 5.31% as of December 31, 2012 to 4.84% as of December 31, 2013, resulting in a positive change of 8.77%.This indicates that the balance sheet and financial strength for State Bank of Reeseville has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, State Bank of Reeseville has increased its total deposits by $3.71 million, resulting in 7.84% 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 State Bank of Reeseville has shown is excellent.

Capitalization

GRADE:
A+

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. State Bank of Reeseville has $60.06 million in assets with $7.31 million in equity, resulting in a capitalization level of 12.18%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #14960
Year Established1902
Employees15
Primary RegulatorFDIC
Assets and Liabilities
Assets$60.06 million
Loans$31.22 million
Deposits$50.98 million
Equity Capital$6.91 million
Loan Loss Allowance$402,000
Unbacked Noncurrent Loans$121,000
Real Estate Owned$233,000
Historic Data - December 2012
Assets$54.45 million
Equity Capital$6.98 million
Loan Loss Allowance$394,000
Unbacked Noncurrent Loans$121,000
Real Estate Owned$327,000
Profit Margin - Quarterly
Net Interest Margin3.6%
Return on Assets0.72%
Return on Equity5.92%
Interest Income$2.10 million
Rates
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State Bank of Reeseville Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$100-Savings Account
0.10%$250-IRA Savings Account

State Bank of Reeseville Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$100k-HI-FI Money Market Checking Account
0.10%$2,500-Super Now Checking Account
0.05%$750-NOW Checking Account

State Bank of Reeseville CD Rates

DetailsAPYMINMAXPRODUCT
0.95%$1k-4 Year CD
0.85%$1k-3 Year CD
0.75%$1k-30 Month CD
0.65%$1k-2 Year CD
0.40%$1k-18 Month CD
0.30%$1k-1 Year CD
0.20%$1k-182 Day CD
0.15%$1k-91 Day CD
0.15%$5k-14 Day CD
0.10%$1k-7 Day CD

State Bank of Reeseville IRA Rates

DetailsAPYMINMAXPRODUCT
0.95%$1k-4 Year IRA
0.85%$1k-3 Year IRA
0.75%$1k-30 Month IRA
0.65%$1k-2 Year IRA
0.40%$1k-18 Month IRA
0.30%$1k-1 Year IRA
0.20%$1k-182 Day IRA
0.15%$1k-91 Day IRA
Locations


State Bank of Reeseville Locations
Watertown Branch1312 West Main StreetWatertown, WI 53098
State Bank Of Reeseville203 South Main StreetReeseville, WI 53579