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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 11232 · WI C · 63/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-HEALTHY · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-C C (63/100)
  • LOWER-Q #3571/4307
  • PHOTO-FINISH Grand Missouri Bank · MO
  • TIER1-ADEQ 8.6% Tier 1
  • TEXAS-HEALTHY 19.3% Texas
  • ROA-STRONG 1.47% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wisconsin: Grand Missouri Bank, MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Milton

Lowest and highest poles plus nearest scored peers outside Wisconsin, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Milton · WI · this b…63/100Citizens Bank of Cha… · IL ·…63/100Grand Missouri Bank · MO · n…63/100Randall State Bank · MN · ne…63/100Waterman Bank · IL · near63/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Milton · July 2026

Call Report read for Bank of Milton in a high-failure state

Bank of Milton (FDIC Cert #11232) carries a PlainBankData health grade of C at 63/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,571 of 4,307. Tier 1 capital prints at 8.60%, missing the 10% well-capitalized line. The Texas Ratio is 19.31%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.47%. Balance-sheet scale is $233M, 2,834th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Grand Missouri Bank (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Milton

11 FAILURE resolutions in Wisconsin since 2000, heavy vs the state corpus

Bank of Milton sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2017). The list below is state history from the Failed Bank List, not a claim about Bank of Milton's current Call Report.

  • GUARANTY BANK MILWAUKEE, WI 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • NORTH MILWAUKEE STATE BANK MILWAUKEE, WI 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • BANK OF WAUSAU WAUSAU, WI 2013 → NICOLET NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wisconsin banks.

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.

0/100100/100National avg77/10063/100
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 Assets

$233M

Total balance-sheet footings

Total Deposits

$199M

Customer-funded liabilities

Net Loans

$168M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.2% 8.6% 10%
Basel III capital ratios - Bank of Milton

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

63 17th percentile higher than 17% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of Milton 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at Bank of Milton

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

What these ratios mean →

Earnings posture at Bank of Milton

Return on Assets (ROA)
73rd percentile nationally
1.47%
Return on Equity (ROE)
18.86%
Efficiency Ratio
47.07%

What these mean →

Income & expense at Bank of Milton

$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.

FDIC Failed Bank List → View Bank of Milton on FDIC BankFind →

Top banks in Wisconsin by total assets

Largest banks headquartered in Wisconsin
  1. 1
    Associated Bank $45.1B

    Green Bay, WI · Grade A

  2. 2
    Nicolet National Bank $9.2B

    Green Bay, WI · Grade A

  3. 3
    Johnson Bank $7.2B

    Racine, WI · Grade A

  4. 4
    Town Bank $4.5B

    Hartland, WI · Grade A

  5. 5
    Bank First $4.5B

    Manitowoc, WI · Grade A

Top 5 banks in Wisconsin ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($233M here), outside Wisconsin so the neighborhood is not state containment.

The First National Bank of Sycamore $233M · OH Gulf Atlantic Bank $233M · FL Center National Bank $233M · MN The Citizens National Bank of Hillsbo… $233M · TX

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.

Bank of Milton Call Report profile · FDIC Failed Bank List · Wisconsin FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wisconsin

All Wisconsin banks →
BankAssetsGradeROA
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%