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This institution is no longer active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

Adequate

ROA 1.18%

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%

ROE

11.63%

Risk-Based Capital

13.12%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate30.29%Peer avg: 9.91%▼ Below avg

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

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202217562.86%30.29%
202124260.74%28.93%
20207558.67%26.67%
201910548.57%31.43%
201822766.08%18.50%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

10 previous ratings locked — dating 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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