This institution is no longer active

Operations ceased on February 10, 2023. CRA examination history below reflects the period it was active.

WISCONSIN BANK & TRUST

MADISON, WI · Supervised by FDIC

Est. 1911FDIC #13,023RSSD: FDIC-13023

Part ofHEARTLAND FINANCIAL USA INC→ View all charters

Outstanding Up

Current rating · Exam: October 2019

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.18%

Is this bank safe?

WISCONSIN BANK & TRUST earned an Outstanding CRA rating (2019), is financially strong (ROA +1.18%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

119 Junction Rd, MADISON, WI

County

Dane County

Established

November 1, 1911

Total Assets

$1.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

October 1, 2019

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2022Call Report / FDIC

Total Assets

$1.4B

Total Deposits

$1.3B

Net Loans

$793M

Net Income

$15M

ROA

1.18%

Above avg for Community banks. Peer avg: 0.90%

ROE

11.63%

Risk-Based Capital

13.12%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.18%Peer avg: 0.90%▲ Above avg

Risk-Based Capital13.12%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate30.29%Peer avg: 10.20%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	175	62.86%	30.29%
2021	242	60.74%	28.93%
2020	75	58.67%	26.67%
2019	105	48.57%	31.43%
2018	227	66.08%	18.50%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Oct 2019	Outstanding	Intermediate Small Bank
Oct 2016	Satisfactory	Intermediate Small Bank
Dec 2013	Satisfactory	Intermediate Small Bank

8 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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