🏦Bank Scorer

OOSTBURG STATE BANK

OOSTBURG, WI · Supervised by FDIC

Est. 1908FDIC #10,380RSSD: FDIC-10380
Part ofOOSTBURG BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.21%

Institution Profile

FDIC BankFind

Address

905 Center Ave, OOSTBURG, WI

County

Sheboygan County

Established

March 1, 1908

Total Assets

$430M(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

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$430M

Total Deposits

$381M

Net Loans

$311M

Net Income

$1M

ROA

1.21%

ROE

11.56%

Risk-Based Capital

14.34%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate3.87%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$344M

1-Year Change

+1

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202415593.55%3.87%
202312989.15%5.43%
202217892.7%2.81%
202137694.41%3.46%
202042193.59%3.80%
201923391.85%4.72%
201818390.71%3.83%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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