State Bank of Chilton: how it compares with its peers
Against 80 WI banks with half to twice its assets, State Bank of Chilton's strongest measure in Q2 2026 is return on assets (2.40% vs. a 1.28% peer median). Its weakest relative measure is assets per employee ($9.7M vs. $7.4M).
| Measure | State Bank of Chilton | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.40% | 1.28% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.39% | 3.76% | Top third Ahead of 93% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 40.87% | 59.86% | Top third Ahead of 90% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.7M | $7.4M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.79% | 86.11% | Context |
What it means for lending operations
Its efficiency ratio of 40.87% is better than the 59.86% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- State Bank Financial La Crosse, WI · $512M
- Woodford State Bank Monroe, WI · $523M
- Coulee Bank La Crosse, WI · $524M
- First Citizens State Bank Whitewater, WI · $525M
- Bank of Lake Mills Lake Mills, WI · $534M
- Citizens State Bank Hudson, WI · $488M
Questions about State Bank of Chilton
How big is State Bank of Chilton?
State Bank of Chilton, established in 1891, is headquartered in Chilton, WI. It reported $517M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is State Bank of Chilton's return on assets?
2.40% annualized in Q2 2026, against a 1.28% median for 80 WI banks with half to twice its assets, ahead of 93% of them.
What is State Bank of Chilton's efficiency ratio?
40.87% in Q2 2026: it spent about 41 cents in noninterest expense for each dollar of revenue. The peer median is 59.86%, and lower is better.
Is State Bank of Chilton growing its loans?
Net loans grew 13.5% over the year to Q2 2026, while deposits grew 7.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.