Total Assets
$489M
Total balance-sheet footings
FDIC Cert #8695 · Lake Mills, Wisconsin · Est. 1893
Bank of Lake Mills - FDIC Bank Health Profile
A community-scale look at Bank of Lake Mills's own numbers, pulled straight from its quarterly FDIC Call Report.
- $489M
- Total assets
- A
- Health grade · Excellent
- 2.54%
- Return on assets
- 12.5%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Lake Mills earns a PlainBankData health grade of A (88/100), with well-capitalized at 12.54% Tier 1, profitable at 2.54% ROA, efficient (54% cost ratio).
- #1,815
- largest of 4,313 FDIC banks by assets
- 58th
- percentile by asset size, nationally
- 12.54%
- Tier 1 ratio - above the 10% well-capitalized line
- 96th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Bank of Lake Mills's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Lake Mills's composite health score
Tier 1 Capital Ratio (12.54%) 35/40
Return on Assets (ROA) (2.54%) 25/25
Texas Ratio (7.78%) 16/20
Efficiency Ratio (53.87%) 12/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$407M
Customer-funded liabilities
Net Loans
$417M
Outstanding loan book
Net Income
$12M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Lake Mills ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Lake Mills's score of 88/100 falls in the highlighted band.
Bank of Lake Mills's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Lake Mills's $489M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.54% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.54%
Texas Ratio
7.78%
Equity Capital
$54M
Profitability metrics
Return on Assets (ROA)
96th percentile nationally
2.54%
Return on Equity (ROE)
24.12%
Efficiency Ratio
53.87%
What the numbers say about Bank of Lake Mills
Bank of Lake Mills is an FDIC-insured institution (Certificate #8695) headquartered in Lake Mills, Wisconsin, established in 1893. It holds $489M in total assets - 1,815th of 4,313 FDIC-insured banks, $407M in customer deposits, and $417M in net loans. Its capital position: a Tier 1 ratio of 12.54%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 7.78% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (88 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bank of Lake Mills sits 67th of 155 banks headquartered in Wisconsin by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$36M
Interest Income
$4M
Non-Interest Income
$15M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Lake Mills reports a Texas Ratio of 7.78% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.78% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Wisconsin by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Lake Mills (FDIC Cert #8695) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Associated Bank, National AssociationGreen Bay | $45.1B | A | 1.10% |
| Nicolet National BankGreen Bay | $9.2B | A | 1.66% |
| Johnson BankRacine | $7.2B | A | 1.07% |
| Town Bank, National AssociationHartland | $4.5B | A | 1.27% |
| Bank First, N.A.Manitowoc | $4.5B | A | 1.64% |
| First Business BankMadison | $4.1B | B | 1.36% |
| John Deere Financial, f.s.b.Middleton | $3.4B | A | 3.87% |
| Lake Ridge BankMiddleton | $3.3B | B | 0.98% |
Frequently asked questions
What is Bank of Lake Mills's health grade?▼
Bank of Lake Mills receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank of Lake Mills?▼
Bank of Lake Mills holds $489M in total assets and $407M in deposits, ranking 1,815th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lake Mills, Wisconsin.
Is my money safe at Bank of Lake Mills?▼
Yes, deposits at Bank of Lake Mills (Certificate #8695) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Lake Mills's Tier 1 Capital Ratio?▼
Bank of Lake Mills has a Tier 1 Capital Ratio of 12.54%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank of Lake Mills?▼
Bank of Lake Mills has a Texas Ratio of 7.78%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Lake Mills?▼
Bank of Lake Mills has an Efficiency Ratio of 53.87%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Lake Mills's profile as a depositor or analyst.
- Bank of Lake Mills's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Lake Mills against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.