Wisconsin FDIC Insured Institutions Quality First 2017 Data compiled by: Data compiled by: Tom Kosanda 630.820.2265 Tom@BankersBenefits.com Data distributed by:» FDIC ly Data used as the source material.» For updates or copies please email info@bankersbenefits.com.
and Quality, 1st Qtr 2017 + Due **Non- +++ / ** Quality (Tier from 1 + ) Guaranty Bank Milwaukee WI 1,020 21.0 10.4 31.4 3,100 50,767 368 1,394 33,355 85.9-3.8 2.03 8.42 273.73 (18.69) Columbia Savings and Loan Association Milwaukee WI Y 24 2.0 0.2 2.2 1,346 281 0 1,347 1,193 2.8-0.7 8.42 11.63 127.30 (32.43) Markesan State Bank Markesan WI 162 12.3 4.9 17.2 5,627 1,279 0 2,859 16,299 20.4 6.6 7.84 12.62 118.79 40.31 The Bank of Kaukauna Kaukauna WI 93 9.1 1.3 10.4 0 5,507 0 977 90 6.6-0.1 9.86 7.09 63.32 0.62 Mitchell Bank Milwaukee WI 50 7.9 0.2 8.1 132 1,500 0 2,763 515 4.8-0.5 15.52 9.49 59.16 (6.07) Securant Bank & Trust Menomonee Fall WI 202 18.5 2.6 21.1 0 5,260 0 3,514 2,535 11.3-0.3 9.10 5.61 53.67 (1.95) Ladysmith Federal Savings and Loan AssociatioLadysmith WI Y 48 5.1 0.4 5.5 1,127 1,082 0 782 846 2.7-0.1 10.35 5.59 49.03 (5.71) The Equitable Bank, S.S.B. Wauwatosa WI Y 305 16.2 1.9 18.0 1,928 1,422 0 1,888 4,426 7.7-3.5 5.32 2.54 42.87 (10.70) Independence State Bank Independence WI 65 5.8 0.7 6.5 64 225 0 0 2,349 2.6-0.3 8.88 3.97 39.55 (5.24) Hiawatha National Bank Hager City WI 189 19.5 1.6 21.1 0 1,857 0 53 6,269 8.2 3.0 10.15 4.33 38.75 13.68 Sunset Bank & Savings Waukesha WI 129 13.7 0.6 14.3 773 235 590 2,258 2,226 5.3-0.6 10.60 4.11 37.23 (5.27) Community State Bank Union Grove WI 341 31.4 6.8 38.2 732 9,303 0 0 4,520 13.8 0.0 9.25 4.05 36.17 (0.85) Farmers State Bank Markesan WI 79 10.0 0.6 10.5 72 2,147 0 61 1,583 3.8-0.3 12.80 4.81 35.97 (3.65) Great North Bank Florence WI 108 11.0 1.0 12.0 1,342 970 0 722 2,215 3.9 1.4 9.86 3.61 32.63 7.39 First National Bank Waupaca WI 476 72.7 19.1 91.8 2,770 546 2,086 3,810 23,184 29.6-19.1 15.36 6.23 32.29 (21.61) Security State Bank Iron River WI 86 16.4 1.3 17.8 368 606 0 106 4,997 5.7-1.4 18.84 6.61 32.14 (8.59) First National Community Bank New Richmond WI 197 17.8 1.5 19.3 624 4,936 0 0 1,002 5.9 2.0 9.24 3.01 30.74 10.30 Bay Bank Green Bay WI 86 11.9 1.6 13.6 238 2,055 0 625 1,467 4.1-0.1 13.65 4.82 30.54 (0.93) River Valley Bank Wausau WI 1,144 98.1 7.8 105.9 1,732 20,063 0 6,262 4,266 30.6-0.1 8.56 2.67 28.89 (1.10) West Pointe Bank Oshkosh WI 267 51.4 3.9 55.3 867 5,537 0 380 9,728 15.6-0.3 19.12 5.85 28.27 (1.02) Waumandee State Bank Waumandee WI 176 16.4 2.4 18.8 1,028 2,265 0 491 2,488 5.2-0.6 9.36 2.98 27.95 (2.93) Citizens Bank Mukwonago WI 709 85.4 4.5 89.9 958 14,430 0 2,927 7,599 25.0-0.1 12.03 3.52 27.76 0.44 State Bank of Newburg Newburg WI 174 31.3 2.2 33.5 1,439 5,085 0 378 3,305 8.8-0.7 17.97 5.03 26.16 (2.39) The First Bank of Baldwin Baldwin WI 159 15.8 2.8 18.6 739 2,113 71 713 1,861 4.8-0.3 9.79 2.99 25.52 (2.81) The Benton State Bank Benton WI 64 5.3 0.6 5.9 53 421 0 131 933 1.5 0.3 8.28 2.33 25.21 5.59 Union State Bank of West Salem West Salem WI 83 9.3 0.6 9.9 869 719 0 156 1,528 2.4 0.2 11.50 2.89 24.23 1.36 State Bank of Chilton Chilton WI 256 29.6 2.6 32.2 1,569 861 0 1,326 5,500 7.7 0.2 11.60 3.01 23.87 0.62 Bank of Oakfield Oakfield WI 91 10.8 0.8 11.5 247 1,837 0 0 892 2.7-0.5 11.98 3.02 23.66 (4.48) Marathon Savings Bank Wausau WI Y 145 18.1 1.8 19.9 1,853 3,122 0 149 1,037 4.3-1.2 12.51 2.96 21.67 (6.18) Pioneer Bank of Wisconsin Ladysmith WI 72 7.7 0.3 8.0 125 0 19 274 1,423 1.7 1.3 10.70 2.39 21.44 15.69 Oostburg State Bank Oostburg WI 204 27.3 3.2 30.5 692 4,171 17 0 2,335 6.5 0.1 13.00 3.19 21.37 (0.00) Blackhawk Bank Beloit WI 668 66.3 5.3 71.6 2,066 5,125 15 597 8,867 14.6 2.7 9.88 2.19 20.39 1.68 Union Bank of Blair Blair WI 108 13.0 1.0 14.0 1,246 504 0 380 1,903 2.8-3.8 11.96 2.57 19.95 (28.02) Citizens First Bank Viroqua WI 188 20.5 2.1 22.7 762 266 0 0 4,257 4.5 0.1 10.86 2.41 19.94 (0.01) Bank of Lake Mills Lake Mills WI 202 23.6 2.2 25.9 1,462 2,687 65 118 2,280 5.2-0.2 11.81 2.56 19.91 (0.67) Bank of Galesville Galesville WI 94 17.8 1.3 19.1 196 2,330 2 240 1,210 3.8 0.0 19.32 4.01 19.80 (0.01) First Federal Bank of Wisconsin Waukesha WI Y 239 34.1 1.5 35.6 936 4,307 0 837 1,741 6.9-1.8 14.44 2.88 19.35 (5.24) State Bank of Cross Plains Cross Plains WI 891 94.0 6.0 99.9 2,417 2,976 1 14 16,044 19.0-0.5 10.39 2.14 19.04 (0.68) First Business Bank-Milwaukee Brookfield WI 255 22.8 2.1 24.9 0 227 0 0 4,502 4.7 3.4 8.99 1.85 19.02 13.69 Bank of Ontario Ontario WI 39 5.1 0.5 5.5 604 274 0 178 584 1.0 0.1 13.04 2.65 18.71 0.81 Park Bank Holmen WI 54 8.2 0.6 8.8 540 698 0 0 867 1.6-0.1 15.36 2.92 17.80 (1.00) Laona State Bank Laona WI 179 19.8 1.1 20.9 428 950 0 354 2,392 3.7-0.7 11.14 2.06 17.68 (3.54) The Farmers & Merchants Bank Berlin WI 274 28.2 2.5 30.7 2,307 2,834 0 364 2,222 5.4 0.7 9.97 1.98 17.64 1.88 Cleveland State Bank Cleveland WI 110 11.7 1.1 12.8 785 616 0 0 1,626 2.2-0.9 10.68 2.04 17.56 (7.62) Investors Community Bank Manitowoc WI 1,239 138.8 13.4 152.2 245 4,446 0 6,994 15,262 26.7 5.7 11.16 2.15 17.54 3.39 Black River Country Bank Black River Fall WI 76 9.5 0.8 10.3 835 1,503 0 24 268 1.8-0.4 12.51 2.36 17.43 (4.45) Peoples State Bank Prairie Du Chien WI 748 67.8 6.6 74.5 10,818 8,074 0 0 4,834 12.9 5.8 8.92 1.72 17.34 7.59 Alliance Bank Mondovi WI 164 16.1 1.6 17.7 1,774 295 251 7 2,495 3.0 0.5 9.64 1.86 17.22 2.60 Farmers and Merchants Union Bank Columbus WI 371 36.8 10.1 46.8 495 6,405 5 0 1,631 8.0 0.0 9.98 2.17 17.16 (0.53) Peoples Bank Elkhorn WI 233 25.7 2.6 28.3 378 2,279 0 512 1,844 4.6-0.5 11.21 1.99 16.38 (1.94) The Baraboo National Bank Baraboo WI 408 49.5 6.3 55.8 79 3,602 348 2,459 2,665 9.1 0.0 12.63 2.23 16.27 (0.36) 1 of 5
and Quality, 1st Qtr 2017 + Due **Non- +++ / ** Quality (Tier from 1 + ) Farmers & Merchants Bank Tomah WI 201 21.8 3.1 24.8 784 1,431 152 114 2,235 3.9-2.6 10.69 1.95 15.85 (10.63) Citizens State Bank Cadott WI 120 12.3 1.6 13.9 53 502 0 33 1,652 2.2 0.4 10.40 1.82 15.78 2.39 The First National Bank - Fox Valley Neenah WI 460 53.5 4.0 57.5 850 4,117 3 362 4,436 8.9 0.0 11.71 1.94 15.51 0.02 Security Bank New Auburn WI 96 12.2 1.3 13.4 78 501 210 13 1,343 2.1 0.2 12.61 2.15 15.38 1.24 American Bank & Trust Wisconsin Cuba City WI 150 16.7 1.6 18.3 1,016 1,907 16 50 832 2.8-0.5 11.09 1.87 15.34 (2.98) Dairy State Bank Rice Lake WI 509 55.9 5.5 61.4 210 8,429 18 193 635 9.3-0.1 10.87 1.82 15.12 (0.30) Fox River State Bank Burlington WI 87 7.6 1.8 9.4 0 132 0 815 461 1.4-0.1 8.76 1.62 14.96 (1.41) Ixonia Bank Ixonia WI 310 34.8 2.8 37.5 57 0 0 5,181 298 5.5-0.1 11.40 1.77 14.59 (0.61) Capitol Bank Madison WI 348 37.1 3.9 41.0 1 1,526 0 0 4,353 5.9 0.0 10.69 1.69 14.34 (0.37) Partnership Bank Cedarburg WI 264 23.7 2.0 25.7 289 1,165 0 0 2,499 3.7-1.0 8.85 1.39 14.26 (4.24) Great Midwest Bank, S.S.B. Brookfield WI Y 687 113.1 3.1 116.2 4,855 6,784 0 700 9,035 16.5-1.6 15.98 2.41 14.22 (1.52) The First National Bank of Berlin Berlin WI 410 37.0 2.7 39.7 2,101 172 187 3,890 1,356 5.6 0.0 8.72 1.37 14.11 (0.06) Tri City National Bank Oak Creek WI 1,410 138.9 11.5 150.3 2,833 14,932 80 550 5,247 20.8-1.2 9.96 1.48 13.84 (0.91) Badger Bank Fort Atkinson WI 133 14.9 0.8 15.7 213 0 0 844 1,321 2.2 0.0 11.16 1.63 13.83 (0.25) Paper City Savings Association Wisconsin RapidsWI Y 159 19.9 0.5 20.5 640 1,368 0 79 1,367 2.8 0.2 12.47 1.76 13.76 0.62 Chippewa Valley Bank Winter WI 341 32.0 2.9 34.9 3,454 817 0 1,688 2,299 4.8 1.0 9.51 1.41 13.75 2.80 Superior Savings Bank Superior WI Y 66 11.6 1.2 12.8 673 1,196 0 0 564 1.8-0.4 17.74 2.66 13.71 (3.21) Citizens Community Federal National AssociatiAltoona WI 677 66.0 5.8 71.8 3,422 2,852 576 648 5,767 9.8-0.8 9.87 1.45 13.70 (0.77) WOODTRUST BANK Wisconsin RapidsWI 390 39.7 3.2 42.9 3 2,121 0 0 3,761 5.9 0.0 10.53 1.51 13.70 (2.26) Northern State Bank Ashland WI 241 20.2 1.2 21.5 882 2,804 0 0 101 2.9 0.0 8.37 1.20 13.54 (0.26) First Community Bank Milton WI 103 9.5 0.9 10.4 2 1,185 2 125 102 1.4 1.0 9.22 1.38 13.54 9.83 Associated Bank, National Association Green Bay WI 29,058 2,322.4 282.2 2,604.6 17,305 76,924 9,305 7,540 258,703 352.5-18.3 8.00 1.21 13.53 (0.86) The Stephenson National Bank and Trust Marinette WI 481 46.6 4.9 51.5 3,595 0 748 364 5,730 6.8 2.0 9.64 1.42 13.29 3.65 Mayville Savings Bank Mayville WI Y 61 6.3 0.3 6.5 925 182 157 183 334 0.9 0.0 10.41 1.41 13.08 (0.65) Mound City Bank Platteville WI 331 33.0 3.4 36.4 311 3,941 0 18 796 4.8 0.2 9.95 1.44 13.05 0.22 Farmers and Merchants Bank of Kendall Kendall WI 75 10.5 0.6 11.2 765 757 0 44 640 1.4-0.1 14.04 1.92 12.92 (1.66) Southport Bank Kenosha WI 273 29.1 4.4 33.5 288 2,462 0 0 1,826 4.3-0.3 10.72 1.57 12.80 (1.25) PremierBank Fort Atkinson WI 310 35.4 3.1 38.5 322 2,509 0 14 2,267 4.8-0.9 11.64 1.55 12.45 (2.49) Bank of Wisconsin Dells Wisconsin Dells WI 489 57.1 8.0 65.1 444 7,238 46 450 314 8.0-0.2 11.52 1.65 12.36 (0.76) Horicon Bank Horicon WI 645 65.8 6.3 72.2 2,049 1,919 0 944 6,050 8.9-0.8 10.11 1.38 12.35 (1.12) Farmers & Merchants State Bank Waterloo WI 167 17.9 2.0 19.9 1,394 734 18 0 1,685 2.4 1.1 10.67 1.46 12.24 5.41 The National Bank of Waupun Waupun WI 151 16.8 1.6 18.5 1,210 724 17 287 1,207 2.2-0.4 11.43 1.48 12.11 (2.34) Hustisford State Bank Hustisford WI 55 9.8 0.6 10.5 976 601 0 76 576 1.3 0.4 17.89 2.27 11.99 3.83 Headwaters State Bank Land O Lakes WI 65 9.6 0.7 10.3 921 0 0 135 1,097 1.2 0.1 15.57 1.90 11.97 0.68 The Port Washington State Bank Port Washington WI 533 46.0 4.3 50.3 2,440 3,635 0 1,826 521 6.0-2.9 8.70 1.12 11.88 (5.98) The Peoples Community Bank Mazomanie WI 278 32.6 3.9 36.5 736 3,432 2 710 159 4.3 0.3 11.79 1.55 11.79 0.63 Choice bank Oshkosh WI 339 36.8 5.0 41.8 1,560 2,342 0 0 2,538 4.9 0.5 10.70 1.44 11.67 0.83 The First National Bank of Bangor Bangor WI 233 57.9 2.1 59.9 833 1,165 0 66 5,716 6.9 0.1 25.44 2.98 11.59 (0.06) Farmers & Merchants Bank & Trust Marinette WI 141 15.5 0.9 16.4 646 0 0 426 1,441 1.9-0.2 11.20 1.32 11.40 (1.31) Integrity First Bank Wausau WI 82 9.6 0.9 10.5 314 0 0 216 977 1.2 1.0 11.58 1.45 11.37 9.37 North Shore Bank, FSB Brookfield WI Y 1,879 210.1 13.4 223.5 710 4,532 0 6,174 13,718 24.4-6.4 11.17 1.30 10.93 (2.98) Waukesha State Bank Waukesha WI 981 121.2 5.9 127.1 1,439 0 0 10,966 2,896 13.9-0.7 12.36 1.41 10.90 (0.91) State Bank of Reeseville Reeseville WI 68 7.9 0.5 8.4 144 320 0 95 489 0.9 0.2 11.87 1.34 10.77 2.37 Peoples State Bank Wausau WI 826 78.8 6.2 85.0 1,979 4,590 227 373 3,733 8.9 0.2 9.56 1.08 10.50 0.01 The Park Bank Madison WI 810 87.4 7.8 95.2 1,386 6,467 0 0 3,517 10.0-0.6 10.82 1.23 10.49 (0.79) Waldo State Bank Waldo WI 71 9.0 1.0 10.0 51 651 0 0 371 1.0 0.0 12.73 1.43 10.27 0.13 Dairyland State Bank Bruce WI 77 7.8 0.7 8.5 611 126 0 88 658 0.9 0.2 10.36 1.13 10.24 2.31 PyraMax Bank, FSB Greenfield WI Y 451 37.7 3.0 40.7 978 1,216 0 0 2,952 4.2 0.1 8.31 0.92 10.23 0.11 Community Bank of Cameron Cameron WI 113 10.3 0.9 11.3 341 546 0 0 597 1.1-1.0 9.03 1.01 10.16 (9.57) Community First Bank Boscobel WI 396 39.9 3.0 43.0 1,390 287 0 242 3,832 4.4 0.5 10.09 1.10 10.15 1.09 State Bank Financial La Crosse WI 332 33.1 2.5 35.6 564 465 0 150 2,940 3.6 1.1 10.23 1.07 9.99 3.17 2 of 5
and Quality, 1st Qtr 2017 + Due **Non- +++ / ** Quality (Tier from 1 + ) Bank of Mauston Mauston WI 285 33.7 4.2 37.9 97 783 0 638 2,342 3.8-0.1 11.81 1.32 9.94 (0.53) Spring Bank Brookfield WI 242 27.7 3.4 31.1 0 1,093 0 0 1,986 3.1-0.9 11.24 1.27 9.90 (3.25) Citizens State Bank of Loyal Loyal WI 202 24.0 1.8 25.8 83 759 0 306 1,484 2.5 0.7 12.00 1.26 9.88 2.38 Community Financial Bank Prentice WI 31 4.1 0.3 4.4 122 141 0 274 15 0.4 0.0 13.64 1.39 9.86 0.21 The First National Bank of Park Falls Park Falls WI 138 14.4 0.6 15.0 13 1,045 0 388 35 1.5 0.1 10.32 1.07 9.81 0.07 Premier Community Bank Marion WI 280 26.5 3.1 29.6 185 1,145 0 0 1,750 2.9 0.0 9.52 1.03 9.78 (0.04) American National Bank - Fox Cities Appleton WI 251 33.9 3.9 37.8 441 3,106 285 0 239 3.6 0.0 13.46 1.45 9.61 (0.08) First American Bank, N.A. Hudson WI 177 17.0 1.5 18.5 1,101 667 0 597 515 1.8-0.1 9.53 1.00 9.60 (0.87) Nekoosa Port Edwards State Bank Nekoosa WI 217 28.8 2.7 31.5 1,552 1,925 0 102 950 3.0-0.3 13.53 1.37 9.45 (1.22) Stratford State Bank Stratford WI 112 13.5 0.9 14.4 213 396 0 0 962 1.4-0.2 12.16 1.21 9.43 (1.25) AbbyBank Abbotsford WI 440 40.1 4.2 44.3 1,197 514 0 75 3,472 4.1-1.0 8.97 0.92 9.17 (2.37) First State Bank New London WI 298 35.3 3.1 38.4 224 585 0 1,265 1,556 3.4-0.7 12.06 1.14 8.86 (2.67) Grand Marsh State Bank Grand Marsh WI 131 20.2 0.6 20.8 673 498 28 130 1,161 1.8 0.0 15.17 1.39 8.72 (0.35) First Business Bank Madison WI 1,296 134.6 13.9 148.6 0 9 0 0 12,779 12.8 3.1 10.23 0.99 8.61 2.06 Bank of Luxemburg Luxemburg WI 310 30.0 2.9 32.9 186 2,103 0 34 682 2.8-0.3 9.65 0.91 8.56 (1.15) Home Savings Bank Madison WI * 145 10.7 1.5 12.2 213 875 75 0 92 1.0 0.0 7.35 0.72 8.51 0.14 Pigeon Falls State Bank Pigeon Falls WI 78 8.2 0.7 8.9 180 0 0 0 755 0.8-0.1 10.49 0.97 8.49 (1.03) Citizens State Bank Hudson WI 167 13.5 1.6 15.1 297 77 0 1,068 125 1.3-0.5 7.98 0.76 8.43 (3.18) United Community Bank Poynette WI 174 19.0 2.0 21.0 78 1,080 0 159 531 1.8-0.2 11.15 1.02 8.41 (0.47) Tomahawk Community Bank S.S.B. Tomahawk WI 143 17.6 1.5 19.1 269 516 0 63 1,019 1.6 0.3 12.51 1.12 8.38 1.63 First Bank Financial Centre Oconomowoc WI 1,110 91.1 5.8 97.0 1,080 0 0 3,272 4,643 7.9-0.5 8.12 0.71 8.16 (0.66) The Greenwood's State Bank Lake Mills WI 176 15.7 1.9 17.5 1,229 616 0 235 575 1.4-0.2 8.67 0.81 8.13 (1.09) Middleton Community Bank Middleton WI 306 24.0 0.0 24.0 124 297 0 0 1,647 1.9-0.2 7.88 0.64 8.11 3.00 Timberwood Bank Tomah WI 172 19.6 2.5 22.1 131 1,253 0 0 507 1.8 0.1 11.36 1.02 7.97 0.45 The American National Bank of Beaver Dam Beaver Dam WI 124 11.8 1.1 12.9 399 0 0 660 358 1.0-0.2 9.70 0.82 7.89 (1.75) River Bank Stoddard WI 458 48.0 4.3 52.3 175 1,014 0 483 2,627 4.1 0.4 10.38 0.90 7.89 0.63 United Bank Osseo WI 262 26.2 2.2 28.4 1,428 1,422 0 101 659 2.2 0.0 10.08 0.83 7.69 (0.30) East Wisconsin Savings Bank, S.A. Kaukauna WI Y 234 21.9 0.9 22.8 1,749 1,252 0 0 501 1.8-0.6 9.49 0.75 7.67 (2.51) Wisconsin Bank & Trust Madison WI 1,050 102.1 6.7 108.9 403 174 19 1,922 6,040 8.2 1.0 9.88 0.78 7.49 0.95 The Peshtigo National Bank Peshtigo WI 199 22.8 1.9 24.7 1,056 869 0 0 982 1.9 1.1 11.51 0.93 7.48 4.35 Lincoln Community Bank Merrill WI 65 6.7 0.5 7.2 44 0 0 158 376 0.5 0.0 10.94 0.82 7.38 (0.68) The First National Bank of River Falls River Falls WI 283 31.0 2.2 33.2 2 915 223 833 434 2.4-0.7 11.04 0.85 7.25 (2.26) Nicolet National Bank Green Bay WI 2,295 210.6 12.2 222.7 983 0 0 2,298 13,735 16.0-5.8 9.19 0.70 7.20 (2.84) Woodford State Bank Monroe WI 205 18.5 2.9 21.3 48 1,263 0 0 262 1.5-0.1 8.95 0.75 7.15 (0.33) Bank of Deerfield Deerfield WI 139 17.3 1.7 18.9 92 925 0 0 424 1.3 0.0 12.60 0.97 7.13 (0.00) McFarland State Bank Mc Farland WI 445 47.6 7.5 55.1 221 2,041 0 874 998 3.9 0.5 10.44 0.88 7.10 0.81 Coulee Bank La Crosse WI 349 31.0 3.0 34.0 218 1,888 0 231 294 2.4-0.4 8.74 0.69 7.10 (1.41) KeySavings Bank Wisconsin RapidsWI Y 76 11.1 0.2 11.2 711 0 0 0 792 0.8 0.1 14.53 1.04 7.05 0.68 The Necedah Bank Necedah WI 34 4.1 0.3 4.3 37 0 0 0 305 0.3 0.1 11.62 0.89 7.04 2.31 Northwestern Bank Chippewa Falls WI 425 42.5 7.4 49.9 232 2,817 0 0 619 3.4 0.1 9.87 0.81 6.89 0.06 Sterling Bank Barron WI 226 19.8 1.5 21.3 0 296 0 83 1,087 1.5-0.1 8.70 0.65 6.88 (0.82) Commerce State Bank West Bend WI 492 45.8 4.6 50.4 50 2,611 0 499 335 3.4 0.0 9.37 0.70 6.83 (0.13) Johnson Bank Racine WI 4,433 500.5 63.6 564.1 3,135 6,575 57 4,478 27,102 38.2-0.9 11.34 0.86 6.77 (0.33) Wisconsin River Bank Sauk City WI 112 11.7 1.4 13.1 9 23 0 535 323 0.9-2.3 10.54 0.78 6.70 (18.36) River Cities Bank Wisconsin RapidsWI 234 32.3 3.7 36.0 625 2,114 0 153 137 2.4-0.2 13.60 1.03 6.67 (0.57) The Bank of New Glarus New Glarus WI 262 27.0 3.2 30.1 547 699 0 137 1,164 2.0 0.1 10.34 0.76 6.64 0.11 Portage County Bank Almond WI 167 18.0 1.0 19.1 280 0 0 430 829 1.3 0.0 11.15 0.76 6.61 (0.32) National Exchange Bank and Trust Fond Du Lac WI 1,970 337.4 30.6 368.1 1,450 16,069 1 268 7,944 24.3 5.8 17.37 1.23 6.60 1.49 Clare Bank, National Association Platteville WI 282 29.9 0.6 30.4 712 307 17 100 1,574 2.0 0.6 10.53 0.71 6.56 2.19 Wolf River Community Bank Hortonville WI 151 19.6 1.8 21.4 372 541 76 60 717 1.4-0.4 12.57 0.92 6.52 (2.14) Bank of Cashton Cashton WI 82 8.9 0.7 9.6 404 206 115 26 247 0.6 0.0 10.85 0.72 6.20 0.03 3 of 5
and Quality, 1st Qtr 2017 + Due **Non- +++ / ** Quality (Tier from 1 + ) Cumberland Federal Bank, FSB Cumberland WI Y 128 14.0 0.7 14.7 190 186 41 0 680 0.9 0.0 10.97 0.71 6.18 0.08 Cornerstone Community Bank Grafton WI 173 15.4 2.2 17.5 30 277 0 106 669 1.1-0.2 8.62 0.61 6.00 (1.29) Fox Valley Savings Bank Fond Du Lac WI Y 332 45.1 3.0 48.1 372 281 0 38 2,520 2.8-0.1 13.57 0.86 5.90 (0.23) Peoples Bank Midwest Hayward WI 340 65.5 2.3 67.8 982 517 96 3,057 244 3.9 0.3 19.56 1.15 5.77 0.27 Bank of Alma Alma WI 223 97.7 3.1 100.7 1,112 2,071 0 710 2,997 5.8 0.3 43.60 2.59 5.74 0.26 Farmers & Merchants Bank, of Orfordville Orfordville WI 51 6.7 0.6 7.3 642 76 11 0 319 0.4 0.1 12.94 0.79 5.60 0.98 The Bank of Brodhead Brodhead WI 144 21.2 1.2 22.4 77 1,182 4 0 33 1.2 0.0 14.79 0.85 5.43 (0.29) Union National Bank & Trust Company Sparta WI 135 17.6 0.2 17.8 195 361 1 206 386 1.0-1.4 12.58 0.70 5.37 (8.30) Farmers State Bank Hillsboro WI 160 24.9 0.8 25.7 416 258 33 54 1,036 1.4-1.0 14.85 0.87 5.36 (3.92) Royal Bank Elroy WI 372 36.9 4.0 40.9 600 114 14 187 1,872 2.2-0.7 9.82 0.59 5.35 (1.87) Eagle Valley Bank, National Association Saint Croix Fall WI 133 12.9 1.5 14.4 1 131 0 368 268 0.8-0.1 9.70 0.58 5.33 (0.82) The First National Bank and Trust Company Beloit WI 1,135 96.5 8.4 104.9 2,700 1,506 668 214 2,942 5.3-1.2 8.60 0.47 5.08 (1.13) Intercity State Bank Schofield WI 168 34.6 1.7 36.3 1,003 280 0 900 650 1.8-0.8 20.81 1.09 5.04 (2.37) TSB Bank Lomira WI 121 13.2 1.0 14.2 424 541 0 32 135 0.7-0.1 11.07 0.59 5.00 (0.71) Bonduel State Bank Bonduel WI 58 12.6 0.2 12.8 25 0 0 0 632 0.6 0.0 21.81 1.10 4.92 (0.01) WaterStone Bank, SSB Wauwatosa WI 1,755 377.3 14.7 392.0 2,594 6,140 0 5,070 8,045 19.3-2.9 21.90 1.10 4.91 (0.77) The Pineries Bank Stevens Point WI 85 8.3 0.5 8.8 938 0 0 52 375 0.4 0.2 9.74 0.50 4.87 2.57 Hometown Bank Fond Du Lac WI 270 38.1 4.3 42.4 97 605 0 26 1,375 2.0-0.1 14.26 0.74 4.73 (0.39) Bank Mutual Brown Deer WI 2,658 267.6 20.4 288.0 11,778 2,743 253 2,022 8,611 13.6-0.3 10.03 0.51 4.73 (0.15) Citizens State Bank of La Crosse La Crosse WI 226 18.7 1.6 20.3 337 35 0 446 478 1.0 0.0 8.15 0.43 4.73 (0.11) Highland State Bank Highland WI 33 3.2 0.3 3.5 239 0 0 0 163 0.2 0.0 9.70 0.49 4.67 (0.06) Monona State Bank Monona WI 514 53.8 6.1 59.9 171 0 1 748 1,944 2.7-0.6 10.48 0.52 4.49 (1.04) State Bank Gresham WI 25 2.7 0.0 2.7 645 0 0 0 123 0.1 0.0 11.00 0.50 4.49 (1.54) Charter Bank Eau Claire WI 845 103.4 8.2 111.6 4,040 1,235 0 1,064 2,690 5.0-1.3 12.08 0.59 4.47 (1.29) National Bank of Commerce Superior WI 583 67.2 5.1 72.3 1,531 0 361 394 2,426 3.2-2.0 11.59 0.55 4.40 (2.87) Forward Financial Bank Marshfield WI Y 394 33.8 3.2 37.0 454 306 0 70 1,239 1.6 0.0 8.53 0.41 4.36 (0.06) Westbury Bank West Bend WI * 745 72.7 5.6 78.2 846 2,691 0 0 514 3.2-0.2 9.61 0.43 4.10 (0.32) Heritage Bank Spencer WI 105 13.0 1.2 14.3 162 0 0 150 413 0.6 0.0 12.58 0.54 3.95 (0.11) Town Bank Hartland WI 1,925 177.7 7.7 185.4 4,313 1,407 1,759 1,379 2,507 7.1-2.5 9.31 0.37 3.80 (1.43) State Bank of Arcadia Arcadia WI 174 18.0 1.0 19.0 90 0 0 0 712 0.7 0.1 10.27 0.41 3.75 0.61 Oregon Community Bank & Trust Oregon WI 265 34.6 3.4 38.0 8 226 0 635 504 1.4-0.7 12.70 0.52 3.59 (1.99) The First National Bank of Hartford Hartford WI 193 22.5 1.6 24.1 1,514 0 0 785 24 0.8-0.3 11.67 0.42 3.36 (1.14) Collins State Bank Collins WI 72 6.4 0.7 7.1 3 159 0 77 0 0.2 0.0 8.73 0.33 3.35 (0.05) Richland County Bank Richland Center WI 101 17.8 0.5 18.3 543 0 0 226 372 0.6 0.0 17.70 0.59 3.26 (0.02) Pioneer Bank Auburndale WI 139 14.1 1.1 15.3 183 0 0 60 394 0.5 0.2 9.98 0.33 2.98 1.05 BLC Community Bank Little Chute WI 206 29.0 3.3 32.3 9 0 0 892 68 1.0 0.0 13.86 0.47 2.97 (0.21) Denmark State Bank Denmark WI 445 48.8 5.5 54.3 650 615 0 49 938 1.6-0.1 10.94 0.36 2.95 (0.17) John Deere Financial, f.s.b. Madison WI 2,602 518.3 39.7 558.0 71,977 0 13,674 0 2,673 16.3 12.9 19.45 0.63 2.93 2.28 Banner Banks Birnamwood WI 95 10.9 0.7 11.6 0 105 0 0 229 0.3 0.1 11.42 0.35 2.88 1.26 Bank of Sun Prairie Sun Prairie WI 338 48.5 5.4 53.9 180 1,094 0 0 401 1.5-0.1 14.63 0.44 2.77 (0.27) First National Bank in Tigerton Tigerton WI 23 3.3 0.1 3.4 331 92 0 0 0 0.1-0.1 13.64 0.40 2.74 (1.93) Bankers' Bank Madison WI 539 66.3 5.8 72.1 318 0 11 1,958 0 2.0 0.0 12.63 0.37 2.73 (0.03) Bank of Prairie du Sac Prairie Du Sac WI 403 59.7 5.9 65.6 258 520 1 21 1,227 1.8 1.2 14.97 0.44 2.70 1.79 Bank First National Manitowoc WI 1,298 118.5 10.9 129.4 642 2,552 32 235 567 3.4-0.2 9.23 0.26 2.62 (0.19) Jackson County Bank Black River Fall WI 251 25.1 3.4 28.5 2,330 0 78 25 590 0.7 0.1 9.72 0.28 2.43 0.24 Farmers Savings Bank Mineral Point WI 277 23.6 3.0 26.6 472 452 0 0 128 0.6-0.3 8.65 0.21 2.18 (1.20) Unity Bank Augusta WI 154 13.9 1.4 15.4 910 0 0 113 215 0.3-0.2 8.74 0.21 2.13 (2.30) The Farmers State Bank of Waupaca Waupaca WI 178 25.8 1.6 27.4 252 0 0 50 494 0.5-0.1 14.62 0.31 1.99 (0.55) First National Bank at Darlington Darlington WI 145 19.4 0.9 20.3 472 0 71 0 314 0.4 0.2 13.36 0.27 1.90 0.78 Time Federal Savings Bank Medford WI Y 607 128.7 1.0 129.7 909 895 224 0 1,036 2.2 0.0 21.14 0.35 1.66 0.01 Oak Bank Fitchburg WI 276 30.3 4.4 34.8 0 525 0 0 41 0.6-0.1 10.74 0.20 1.63 (0.23) 4 of 5
and Quality, 1st Qtr 2017 + Due **Non- +++ / ** Quality (Tier from 1 + ) Security Financial Bank Durand WI 411 42.6 4.4 47.0 534 144 0 0 563 0.7-0.1 10.52 0.17 1.51 (0.27) The International Bank of Amherst Amherst WI 64 8.8 0.4 9.2 446 0 0 39 87 0.1 0.0 13.78 0.20 1.37 (0.08) Shell Lake State Bank Shell Lake WI 186 31.8 1.3 33.1 668 0 0 130 277 0.4-1.5 16.84 0.22 1.23 (4.76) Park Bank Milwaukee WI 922 98.2 9.3 107.5 0 0 0 965 235 1.2 0.0 10.91 0.13 1.12 (0.02) Commercial Bank Whitewater WI 99 10.0 0.5 10.5 639 0 0 0 49 0.0-0.1 10.30 0.05 0.47 (0.64) Bank of Milton Milton WI 116 9.8 1.2 11.1 85 0 0 0 30 0.0 0.0 8.59 0.03 0.27 (0.08) Community First Bank Rosholt WI 80 7.6 0.7 8.3 264 0 0 0 18 0.0 0.0 9.38 0.02 0.22 0.22 Settlers Bank De Forest WI 227 21.8 2.6 24.5 0 0 0 0 53 0.1 0.1 9.24 0.02 0.22 0.22 State Bank of Cazenovia Cazenovia WI 36 6.3 0.4 6.8 258 0 0 0 3 0.0 0.0 17.97 0.01 0.04 0.04 Union Bank & Trust Company Evansville WI 230 21.1 1.5 22.6 103 0 0 1 0 0.0 0.0 9.29 0.00 0.00 (0.06) Advantage Community Bank Dorchester WI 142 16.5 1.2 17.7 0 0 0 0 0 0.0-1.3 11.71 0.00 0.00 (7.36) First Citizens State Bank Whitewater WI 308 56.5 2.1 58.7 0 0 0 0 0 0.0 0.0 18.75 0.00 0.00 0.00 Greenleaf Wayside Bank Greenleaf WI 89 7.9 0.9 8.8 386 0 0 0 0 0.0 0.0 9.04 0.00 0.00 (0.01) DMB Community Bank De Forest WI 450 47.9 5.0 52.9 87 0 0 0 0 0.0-0.3 10.55 0.00 0.00 (0.53) River Falls State Bank River Falls WI 86 13.2 0.8 14.1 243 0 0 0 0 0.0 0.0 15.45 0.00 0.00 0.00 Thrivent Trust Company Appleton WI 10 8.0 0.0 8.0 0 0 0 0 0 0.0 0.0 77.07 0.00 0.00 0.00 Northwestern Mutual Wealth Management Milwaukee WI 213 124.2 0.0 124.2 0 0 0 0 0 0.0 0.0 59.99 0.00 0.00 0.00 *Recently Converted Texas Ratio is a measure of a bank's credit troubles. It is calculated by divding the value of the bank's non-performing assets by the sum of its tangible common equity and loan loss reserves. The Modified Texas Ratio illustrated takes into the account of the non-performing assets that are guaranteed by the government or covered by the FDIC Loss Sharing Program. ** Excluding assets covered by government Restructured loans 90+ days excluding what is covered by Government Guarantee or FDIC Loan Loss excluding what is covered by FDIC Loss Sharing in status, excluding what is covered by government guarantees or FDIC Loss Shaing Data presented in this report is based on FDIC statistics as of 12/31/2016. Every effort has been made to ensure the accuracy of these data. Information provided is for references only. Copyright 2017, Bankers Benefits, LLC. Do not reproduce or forward. For update or copies please e-mail info@bankersbenefits.com. 5 of 5
Texas Ratio What Does Texas Ratio Mean? A ratio developed by Gerald Cassidy and other analysts at RDC Markets to measure the credit problems of particular banks or regions of banks. The Texas ratio takes the amount of a bank's non-performing assets and loans, as well as loans delinquent for more than 90 days, and divides this number by the firm's tangible capital equity plus its loan loss reserve. A ratio of more than 100 (or 1:1) is considered a warning sign. Investopedia explains Texas Ratio The Texas ratio was developed as an early warning system to identify potential problem banks. It was originally applied to banks in Texas in the 1980s and proved useful for New England banks in the early 1990s. This ratio can be useful when an asset held on a bank's balance sheet is falling in value, such as with oil reserves or mortgage assets. Texas Ratio is a measure of a bank's credit troubles. It is calculated by dividing the value of the bank's nonperforming assets by the sum of its tangible common equity and loan loss reserves. However some banks might have acquired non-performing assets that are covered by Federal Deposit Insurance Corporation Loss Sharing arrangements; thus, the financial strength of these institutions may be stronger than the data reflects.
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