Total Assets
$233M
Total balance-sheet footings
FDIC Cert #11232 · Milton, Wisconsin · Est. 1884
Bank of Milton - FDIC Bank Health Profile
A community-scale look at Bank of Milton's own numbers, pulled straight from its quarterly FDIC Call Report.
- $233M
- Total assets
- C
- Health grade · Fair
- 1.47%
- Return on assets
- 8.6%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Milton earns a PlainBankData health grade of C (63/100), with 8.60% Tier 1 capital, profitable at 1.47% ROA, efficient (47% cost ratio).
- #2,834
- largest of 4,313 FDIC banks by assets
- 34th
- percentile by asset size, nationally
- 8.60%
- Tier 1 ratio - below the 10% well-capitalized line
- 73rd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Bank of Milton's 63/100 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 Milton's composite health score
Tier 1 Capital Ratio (8.60%) 18/40
Return on Assets (ROA) (1.47%) 20/25
Texas Ratio (19.31%) 10/20
Efficiency Ratio (47.07%) 15/15
63 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$199M
Customer-funded liabilities
Net Loans
$168M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Milton ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Milton's score of 63/100 falls in the highlighted band.
Bank of Milton'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 Milton's $233M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
8.60% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
8.60%
Texas Ratio
19.31%
Equity Capital
$18M
Profitability metrics
Return on Assets (ROA)
73rd percentile nationally
1.47%
Return on Equity (ROE)
18.86%
Efficiency Ratio
47.07%
What the numbers say about Bank of Milton
Bank of Milton is an FDIC-insured institution (Certificate #11232) headquartered in Milton, Wisconsin, established in 1884. It holds $233M in total assets - 2,834th of 4,313 FDIC-insured banks, $199M in customer deposits, and $168M in net loans. Looking at capital strength, Tier 1 stands at 8.60%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 19.31%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (63/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Wisconsin, Bank of Milton ranks 113th of 155 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$12M
Interest Income
$720K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Milton reports a Texas Ratio of 19.31% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
19.31% - 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 Milton (FDIC Cert #11232) - 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 Milton's health grade?▼
Bank of Milton receives a health grade of C (63/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Bank of Milton?▼
Bank of Milton holds $233M in total assets and $199M in deposits, ranking 2,834th of 4,313 FDIC-insured banks by asset size. It is headquartered in Milton, Wisconsin.
Is my money safe at Bank of Milton?▼
Yes, deposits at Bank of Milton (Certificate #11232) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Milton's Tier 1 Capital Ratio?▼
Bank of Milton has a Tier 1 Capital Ratio of 8.60%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Bank of Milton?▼
Bank of Milton has a Texas Ratio of 19.31%. A ratio below 50% is generally considered 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 Milton?▼
Bank of Milton has an Efficiency Ratio of 47.07%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Milton's profile as a depositor or analyst.
- Bank of Milton's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Milton 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.