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Overview / Commentary
203 South Main Street
Reeseville, WI 53579

State Bank of Reeseville is headquartered in Reeseville and is the 228th largest bank in the state of Wisconsin. It is also the 5,660th largest bank in the nation. It was established in 1902 and as of June of 2014, it had grown to 16 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.



Data for Q2 2014

Institution Health

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


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 June 30, 2014 State Bank of Reeseville had $111,000 in non-current loans and owned real-estate with $7.85 million in equity and loan loss allowances on hand to cover it. This gives State Bank of Reeseville a Texas Ratio of 1.41% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for State Bank of Reeseville decreased dramatically from 6.34% as of June 30, 2013 to 1.41% as of June 30, 2014, resulting in a positive change of 77.71%.This indicates that the balance sheet and financial strength for State Bank of Reeseville has improved dramatically in recent periods.

Deposit Growth


In the past year, State Bank of Reeseville has increased its total deposits by $4.31 million, resulting in 9.7% 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.



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 $59.8 million in assets with $7.85 million in equity, resulting in a capitalization level of 13.13%, which is excellent.

Institution Statistics

FDIC Certificate #14960
Year Established1902
Primary RegulatorFDIC
Assets and Liabilities
Assets$59.80 million
Loans$32.76 million
Deposits$48.69 million
Equity Capital$7.39 million
Loan Loss Allowance$462,000
Unbacked Noncurrent Loans$111,000
Real Estate Owned$0
Historic Data - June 2013
Assets$55.56 million
Equity Capital$6.81 million
Loan Loss Allowance$402,000
Unbacked Noncurrent Loans$111,000
Real Estate Owned$391,000
Profit Margin - Quarterly
Return on Assets0.59%
Return on Equity4.91%
Interest Income$1.11 million
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State Bank of Reeseville Savings Account Rates

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

State Bank of Reeseville Checking Account Rates

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

0.95%$1k-4 Year CD
0.85%$1k-3 Year CD
0.65%$1k-30 Month CD
0.55%$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

0.95%$1k-4 Year IRA
0.85%$1k-3 Year IRA
0.65%$1k-30 Month IRA
0.55%$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

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