East Wisconsin Savings Bank
Kaukauna, Wisconsin · FDIC Cert #30313
East Wisconsin Savings Bank is an FDIC-insured bank (Certificate #30313) with $267M in total assets and $225M in total deposits as of the Q2 2024 Call Report. Headquartered in Kaukauna, Wisconsin, the bank maintains a Tier 1 capital ratio of 10.07% (Well-Capitalized) and a nonperforming loan ratio of 0.15%. BankHealthData assigns a composite Health Grade of B (71/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
East Wisconsin Savings Bank (FDIC cert 30313) is a community bank — $267M in total assets, $225M in deposits, serving the Kaukauna, Wisconsin area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.07% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.15% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 25.6% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is negative: ROA of -0.89% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. East Wisconsin Savings Bank carries a composite BankHealth grade of B (71/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: East Wisconsin Savings Bank
- Total Assets
- $267M
- Total Deposits
- $225M
- Tier 1 Capital Ratio
- 10.07%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.15%
- Liquidity Ratio
- 25.57%
- Return on Assets
- -0.89%
- Headquarters
- Kaukauna, Wisconsin
- FDIC Certificate
- #30313
- Health Grade
- B (71/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, East Wisconsin Savings Bank holds a Tier 1 capital ratio of 10.07%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning East Wisconsin Savings Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
East Wisconsin Savings Bank shows strong financial health indicators. With $267M in assets and a Health Score of 71/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How East Wisconsin Savings Bank Compares
East Wisconsin Savings Bank’s Health Score of 71 is 4 points above the Wisconsin state average of 67 across 141 FDIC-insured banks. Its 10.07% Tier 1 capital ratio is 3.9 points below the US banking industry average near 14%. The 0.15% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of -0.89% is below the national ROA benchmark of ~1.1%. Among 1583 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, East Wisconsin Savings Bank is 1 points above the portfolio average of 70.
Frequently Asked Questions
East Wisconsin Savings Bank has a Bank Health Score of B (71/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.07%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. East Wisconsin Savings Bank's Tier 1 capital ratio of 10.07% and nonperforming loan ratio of 0.15% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at East Wisconsin Savings Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #30313). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
East Wisconsin Savings Bank holds $267M in total assets and $225M in total deposits. It is headquartered in Kaukauna, Wisconsin (FDIC Certificate #30313).
East Wisconsin Savings Bank has a Tier 1 capital ratio of 10.07%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.15%, and the return on assets is -0.89%.
Yes. East Wisconsin Savings Bank is FDIC-insured (Certificate #30313). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
East Wisconsin Savings Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.