Superior Bank (WI)

Superior Bank (WI) is headquartered in Superior and is the 259^th largest bank in the state of Wisconsin. It is also the 6,831^st largest bank in the nation. It was established in 1897 and as of March of 2012, it had grown to 11 employees at 1 location. Superior Bank (WI)'s savings rates are 4X the national average, and it boasts a 5-star health rating.

Superior Bank (WI) Checking Account Rates

Superior Bank (WI) Savings Account Rates

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Superior Bank (WI) CD Rates

Data for Q1 2012

Institution Statistics Superior Bank FDIC Certificate # 6192 BankRate Report View Year Established 1897 Employees 11 Primary Regulator FED Assets and Liabilities Assets $34.67 million Loans $17.53 million Deposits $28.46 million Equity Capital $4.17 million Loan Loss Allowance $333,000 Real Estate Owned $171,000 Historic Data - March 2011 Assets $33.45 million Equity Capital $4.19 million Loan Loss Allowance $349,000 Unbacked Noncurrent Loans $174,000 Real Estate Owned $132,000 Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets 0.09% Return on Equity 0.76% Interest Income $318,000

Institution Health Overall Score: 5 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 Superior Bank (WI) had $171,000 in non-current loans and owned real-estate with $4.5 million in equity and loan loss allowances on hand to cover it. This gives Superior Bank (WI) a Texas Ratio of 3.80% 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 Superior Bank (WI) decreased significantly from 6.74% as of March 31, 2011 to 3.80% as of March 31, 2012, resulting in a positive change of 43.62%.This indicates that the balance sheet and financial strength for Superior Bank (WI) has improved significantly in recent periods. Deposit Growth In the past year, Superior Bank (WI) has increased its total deposits by $1.24 million, resulting in 4.54% 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 Superior Bank (WI) has shown is above average. 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. Superior Bank (WI) has $34.67 million in assets with $4.5 million in equity, resulting in a capitalization level of 12.98%, which is excellent.

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