Baraboo State Bank
Total assets
$569.6M
▲ +5.7% YoY
Deposits
$490.4M
▲ +5.6% YoY
Loans
$296.8M
▲ +11.2% YoY
Offices
7
BARABOO BCORP INC THE
ROA (annualized)
1.19%
peers 1.28%
ROE (annualized)
10.63%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Baraboo State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +4.9% | +0.8 pts |
| Deposit growth (YoY) | +5.6% | +4.3% | +1.2 pts |
| Loan growth (YoY) | +11.2% | +5.3% | +5.8 pts |
| ROA | 1.19% | 1.28% | -0.1 pts |
| ROE | 10.6% | 12.4% | -1.8 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
Profile
- Established
- 1857
- Charter
- State
- Primary regulator
- FED
- Holding company
- BARABOO BCORP INC THE
- Specialization
- Commercial Lending Specialization
- Address
- 101 3rd Ave, Baraboo, WI, 53913
- County
- Sauk
- Metro area
- Baraboo, WI
- Offices
- 7
- FDIC cert #
- 12788
- RSSD ID
- 24949
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $569.6M | $490.4M | $296.8M | $65.9M | $3.4M | 1.19% | 3.51% | 0.00% |
| Q1 2026 | $575.2M | $496.8M | $295.6M | $64.7M | $1.8M | 1.23% | 3.45% | 0.01% |
| Q4 2025 | $587.5M | $509.9M | $296.6M | $63.7M | $5.4M | 0.97% | 3.38% | 0.01% |
| Q3 2025 | $569.8M | $494.0M | $278.5M | $62.3M | $4.5M | 1.08% | 3.39% | 0.01% |
| Q2 2025 | $538.9M | $464.5M | $267.0M | $61.3M | $3.1M | 1.14% | 3.36% | 0.01% |
| Q1 2025 | $541.8M | $468.1M | $260.9M | $60.2M | $1.4M | 1.03% | 3.24% | 0.01% |
| Q4 2024 | $549.6M | $471.8M | $262.7M | $58.8M | $4.9M | 0.95% | 3.32% | 0.01% |
| Q3 2024 | $528.5M | $450.5M | $258.7M | $59.6M | $3.9M | 1.04% | 3.37% | 0.01% |
Loan mix (Q2 2026): real estate $283.5M · commercial $9.6M · consumer $3.8M · securities $202.4M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Baraboo State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.28% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 12.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.89% | 29th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.7% | 61.2% | 48th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Baraboo State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Baraboo State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Baraboo State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Baraboo State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Royal BankElroy, WI · $816.1M
- The Bank of New GlarusNew Glarus, WI · $823.2M
- DMB Community BankMadison, WI · $835.0M
- Bank of Sun PrairieSun Prairie, WI · $841.2M
- Farmers and Merchants Union BankColumbus, WI · $872.1M
- The Farmers & Merchants BankBerlin, WI · $949.4M
Selling to Baraboo State Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.