Updated November 11, 2026
Equipment financing activity in Watertown, WI
Watertown has 811 active UCC filings for equipment across 461 businesses, about 1.8 per business, so repeat borrowers are common. 193 new filings were recorded in the last 12 months, up 37% on the year before. 233 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 29% of the book. The market is spread out: State Bank of Reeseville leads with 7%, followed by Landmark Credit Union at 5%. Banks and credit unions hold 69%, more than captives and independents.
Active equipment filings
Likely ending in the next 6 months
36, 48 or 60 month term
Businesses with active filings
New filings, last 12 months
+37% on the year before
New equipment filings by month
Watertown, WI, last 24 months. The current month is still coming in.
| 2024-12 | 8 |
|---|---|
| 2025-01 | 13 |
| 2025-02 | 17 |
| 2025-03 | 13 |
| 2025-04 | 6 |
| 2025-05 | 11 |
| 2025-06 | 13 |
| 2025-07 | 13 |
| 2025-08 | 12 |
| 2025-09 | 11 |
| 2025-10 | 11 |
| 2025-11 | 12 |
| 2025-12 | 18 |
| 2026-01 | 39 |
| 2026-02 | 21 |
| 2026-03 | 11 |
| 2026-04 | 15 |
| 2026-05 | 11 |
| 2026-06 | 23 |
| 2026-07 | 9 |
| 2026-08 | 9 |
| 2026-09 | 13 |
| 2026-10 | 12 |
| 2026-11 | 5 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- State Bank of Reeseville44 · 7.4%Bank
- Landmark Credit Union28 · 4.7%Bank
- Bank First, N.A.27 · 4.6%Bank
- Caterpillar Financial27 · 4.6%Captive finance
- U.S. Bank Equipment Finance26 · 4.4%Bank
- Bank
- BADGER BANK22 · 3.7%Bank
- Compeer Financial, PCA19 · 3.2%Independent
Top equipment types
Active filings by what the collateral describes
- Equipment, type not stated722 · 89.0%
- Agriculture48 · 5.9%
- Construction36 · 4.4%
- Vehicles2 · 0.2%
- IT & office1 · 0.1%
- Manufacturing1 · 0.1%
- Trucks & trailers1 · 0.1%
Highest-scoring businesses right now
Names are partly hidden. The app shows them, with the phone number where public records have one.
| Score | Company | Why | Lender | Filed |
|---|---|---|---|---|
94 | JER Watertown | Agriculture 36 mo old · peak window+35Near the 36-month mark+10 | CNH Industrial Capital Captive finance | Oct 2023 |
91 | T A Watertown | Agriculture 47 mo old · peak window+35Near the 48-month mark+7 | John Deere Financial Captive finance | Nov 2022 |
89 | T A Watertown | Construction 49 mo old · late window+33Near the 48-month mark+7 | Vermeer Credit Captive finance | Sep 2022 |
84 | Mor Watertown | Construction 42 mo old · peak window+35Active, no continuation+10 | Komatsu Financial Captive finance | Apr 2023 |
83 | RIC Watertown | Agriculture 35 mo old · early+32Near the 36-month mark+7 | Kubota Credit Captive finance | Nov 2023 |
78 | Spe Watertown | Equipment 35 mo old · early+32Near the 36-month mark+7 | State Bank of Reeseville Bank | Nov 2023 |
78 | AND Watertown | Equipment 38 mo old · peak window+35Near the 36-month mark+4 | Wells Fargo Vendor Financial Services, LLC Bank | Aug 2023 |
78 | Spe Watertown | Equipment 38 mo old · peak window+35Near the 36-month mark+4 | State Bank of Reeseville Bank | Aug 2023 |
Equipment types in Watertown
Nearby cities
- Brookfield2,189
- Sheboygan1,168
- Menomonee Falls1,159
- West Bend1,101
- Mequon909
- Oconomowoc766
- Pewaukee745
- Germantown679
- Hartford677
- Plymouth615
- Hartland592
- Cedarburg461
Top lenders in Watertown
- State Bank of Reeseville44
- Landmark Credit Union28
- Bank First, N.A.27
- Caterpillar Financial27
- U.S. Bank Equipment Finance26
- Associated Bank, National Association25
- BADGER BANK22
- Compeer Financial, PCA19
- Sheffield Financial, a division of Truist Bank17
- Summit Credit Union16
Questions
How many equipment loans are active in Watertown, WI?
How many equipment loans in Watertown, WI end in the next six months?
Which lenders finance the most equipment in Watertown, WI?
What equipment is financed most in Watertown, WI?
Is Watertown, WI equipment financing growing?
Source: UCC financing statements from the public UCC index of the Wisconsin Department of Financial Institutions, loaded every morning. Last updated November 11, 2026. Counts cover businesses' equipment filings only: consumer solar, tool accounts, liens on injury claims and filings against people or sole proprietors are left out. “Active” means not terminated or lapsed. “Likely ending” means a 36, 48 or 60 month term from the filing date ends within six months; the filing itself doesn't state the term. Not a consumer report. How UCC filings work.