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Black River Country Bank
Black River Falls, WI · FDIC Certificate #15152 · Chartered 01/0
Total assets
$101.76M
Total deposits
$85.25M
Total equity
$7.68M
Net loans
$78.64M
Branches (offices)
2
Net income (YTD)
$703.00K
Rank: #3,667 of 4,213 U.S. banks by assets · #141 of 153 in Wisconsin. Assets changed 1.6% and deposits 2.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.38% |
| Return on equity | 18.62% |
| Net interest margin (YTD) | 4.11% |
| Equity to assets | 7.55% |
| Tier 1 leverage ratio | 8.94% |
| Uninsured deposits (share of deposits) | 17.4% |
| Noncurrent loans (share of loans) | 0.29% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 92.2% |
| Real estate loans (share of loans) | 84.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $66.02M | 84.0% | |
| Commercial & industrial | $4.37M | 5.6% | |
| Consumer / individual | $3.76M | 4.8% | |
| Construction & development | $827.00K | 1.1% | |
| Agricultural | $4.36M | 5.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $94.25M | $87.71M | $461.00K | $6.30M |
| Jun 2023 | $99.39M | $82.93M | $410.00K | $6.16M |
| Jun 2024 | $98.54M | $80.38M | $425.00K | $6.62M |
| Jun 2025 | $100.20M | $83.17M | $587.00K | $7.04M |
| Jun 2026 | $101.76M | $85.25M | $703.00K | $7.68M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $85.25M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $85.25M.
Similar-sized banks
Northern State Bank Of Virginia ($101.97M) · United Orient Bank ($101.41M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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