Johnson Bank
Johnson Bank reported total assets of $7.1 bn at Q2 2026, up 0.3% on a year earlier, the 215th largest of 497 banks in our US coverage. The CET1 capital ratio at Johnson Bank was 15.62%, and the uninsured share of Johnson Bank was 49.03%. Source: FDIC Call Reports.
Key takeaways
- Johnson Bank reports one of the lowest net charge-offs to average loans readings among banks of $1 bn to $10 bn: -0.06% at , where the median of the 339 banks is 0.06% (FDIC Call Reports).
- On noncurrent loans to total loans, Johnson Bank climbed from 158th to 77th among 500 US banks between and (1 = lowest; FDIC Call Reports).
What sets Johnson Bank apart
How large is Johnson Bank?
The balance sheet of Johnson Bank at : assets $7.1 bn, deposits $5.6 bn, net loans $5.3 bn (loans equal to 94.20% of deposits). Securities make up 15.2% of total assets at Johnson Bank. Since , when Johnson Bank held $4.3 bn, its assets grew 65.9%. In the year to , deposits at Johnson Bank rose 2.6% while its total assets rose 0.3%. At , Johnson Bank employed 778 full-time equivalent staff across 32 offices, about $9.1 mn of assets per employee and $175.9 mn of deposits per office.
How much funding at Johnson Bank is uninsured?
At Johnson Bank, uninsured deposits (above the FDIC limit) made up 49.03% of domestic deposits at (-0.23 pp on a year earlier); Johnson Bank ranks 91st of 500 on this measure. In dollars, Johnson Bank estimated $2.8 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.6 bn | +2.6% | 220th of 499 |
| Net loans and leases | $5.3 bn | +0.5% | 201st of 500 |
| Loan-to-deposit ratio | 94.20% | -1.97 pp | 128th of 500 |
| Tier 1 leverage ratio | 12.33% | +0.55 pp | 85th of 500 |
| Total risk-based capital ratio | 16.87% | +1.00 pp | 93rd of 448 |
| Net interest margin | 3.54% | +0.09 pp | 285th of 500 |
| Return on assets (ROA) | 1.30% | +0.39 pp | 250th of 500 |
| Efficiency ratio | 62.23% | -4.97 pp | 361st of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $36.8 mn | Narrowed by $3.9 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $11.6 mn | Narrowed by $2.0 mn | |
| Noncurrent loans to total loans | 0.23% | -0.12 pp | 77th of 500 (1 = lowest) |
| Net charge-offs to average loans | -0.06% | -0.42 pp | 8th of 500 (1 = lowest) |
US rank of Johnson Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Johnson Bank: assets, deposits and loans
- Total assets $7.1bn
- Deposits $5.6bn
- Net loans $5.3bn
Capital and securities
The CET1 ratio of Johnson Bank stood at 15.62% in , +1.00 pp year on year. Low and high at Johnson Bank since : 12.57% () to 18.58% (). Equity capital of Johnson Bank at : $862.6 mn, or 12.2% of total assets. Johnson Bank also reported a total capital ratio of 16.87% for , and a tier 1 leverage ratio of 12.33%.
On held-to-maturity securities, Johnson Bank carried an unrealized loss of $36.8 mn at , equal to 4.3% of equity capital. The loss narrowed by $3.9 mn over the year. Its deepest point: $89.6 mn in . The available-for-sale portfolio of Johnson Bank showed an unrealized loss of $11.6 mn at ; the loss narrowed by $2.0 mn over the year.
Johnson Bank: capital ratios
- Total capital 17%
- CET1 16%
- Tier 1 leverage 12%
Johnson Bank: unrealized securities gains and losses
- Available for sale -$12mn
- Held to maturity -$37mn
Profitability and loan quality
For the year to , Johnson Bank earned a return on equity of 10.61%; return on assets: 1.30%. Net interest margin at Johnson Bank: 3.54%, +0.09 pp in a year. Johnson Bank net income: $46.1 mn, up 47.8% year on year. The efficiency ratio of Johnson Bank was 62.23%: about 62 cents cost per revenue dollar, against 57 cents at the median peer.
At , noncurrent loans were 0.23% of total loans at Johnson Bank; net charge-offs: -0.06% of average loans. Gross loans and leases at Johnson Bank: $5.4 bn, up 0.5% in a year.
Johnson Bank: profitability
- Return on equity 11%
- Net interest margin 3.5%
- Return on assets 1.3%
Peer group of Johnson Bank
The peer group of Johnson Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Johnson Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Wisconsin. Against them, Johnson Bank shows CET1 ratio 15.62% against a peer median of 12.64%, return on equity 10.61% against a peer median of 12.95% and uninsured deposit share 49.03% against a peer median of 31.96%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Pathward | National bank | SD | $7.3 bn | 12.05% | 23.28% | 12.74% | |
| Lake City Bank | State member bank | IN | $7.2 bn | 14.13% | 15.52% | 57.58% | |
| The Farmers National Bank of Canfield | National bank | OH | $7.2 bn | 12.64% | 11.64% | 34.66% | |
| Johnson Bank | State member bank | WI | $7.1 bn | 15.62% | 10.61% | 49.03% | |
| Republic Bank & Trust Company | State nonmember bank | KY | $7.1 bn | 16.55% | 14.26% | 45.58% | |
| Mid Penn Bank | State nonmember bank | PA | $7.0 bn | 12.55% | 9.89% | 20.01% | |
| Cambridge Savings Bank | State nonmember bank | MA | $7.0 bn | 12.63% | 3.53% | 29.26% | |
. FDIC Call Reports.
Last eight quarters
Two years at Johnson Bank, to : assets +7.0%, deposits +9.2%, equity +6.3%. Staff 799 to 778.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $6.6 bn | $6.7 bn | $6.8 bn | $7.0 bn | $7.1 bn | $7.2 bn | $7.0 bn | $7.1 bn |
| Total deposits | $5.2 bn | $5.4 bn | $5.3 bn | $5.5 bn | $5.8 bn | $6.0 bn | $5.8 bn | $5.6 bn |
| Bank equity capital | $811.4 mn | $818.9 mn | $840.8 mn | $816.4 mn | $840.5 mn | $863.3 mn | $881.3 mn | $862.6 mn |
| CET1 ratio | 15.34% | 15.50% | 15.60% | 14.62% | 14.88% | 15.64% | 16.04% | 15.62% |
| Return on equity (ROE) | 7.53% | 7.20% | 8.59% | 7.55% | 8.54% | 8.96% | 10.06% | 10.61% |
| Uninsured share of domestic deposits | 46.57% | 48.77% | 47.50% | 49.25% | 51.55% | 53.07% | 48.91% | 49.03% |
| Full-time equivalent employees | 799 | 786 | 782 | 782 | 779 | 775 | 765 | 778 |
| Number of offices | 32 | 32 | 32 | 32 | 32 | 32 | 32 | 32 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Johnson Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Johnson Bank?
Johnson Bank reported $7.1 bn at in its Call Report. That makes Johnson Bank the 215th largest of 497 banks in our US coverage.
Is Johnson Bank the same as its holding company?
No. This page covers Johnson Bank, FDIC certificate 20296; JOHNSON FINANCIAL GROUP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Johnson Bank profitable?
Johnson Bank reported net income of $46.1 mn for the year to ; annualized return on equity: 10.61%. So yes: Johnson Bank made a profit over these months.
When is data for Johnson Bank next updated?
Figures from Johnson Bank for are due after .
Where can I check the figures for Johnson Bank?
In the FDIC BankFind Suite record for certificate 20296, and in the Call Reports of Johnson Bank (RSSD ID 58243) at the FFIEC Central Data Repository.