Total Assets
$82M
Total balance-sheet footings
FDIC Cert #21085 · Ontario, Wisconsin · Est. 1911
Bank of Ontario - FDIC Bank Health Profile
A community-scale look at Bank of Ontario's own numbers, pulled straight from its quarterly FDIC Call Report.
- $82M
- Total assets
- B
- Health grade · Good
- 1.34%
- Return on assets
- 13.8%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Ontario earns a PlainBankData health grade of B (67/100), with well-capitalized at 13.83% Tier 1, profitable at 1.34% ROA, 64% efficiency ratio.
- #3,888
- largest of 4,313 FDIC banks by assets
- 10th
- percentile by asset size, nationally
- 13.83%
- Tier 1 ratio - above the 10% well-capitalized line
- 66th
- 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 Ontario's 67/100 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 Ontario's composite health score
Tier 1 Capital Ratio (13.83%) 35/40
Return on Assets (ROA) (1.34%) 20/25
Texas Ratio (47.97%) 4/20
Efficiency Ratio (63.79%) 8/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$68M
Customer-funded liabilities
Net Loans
$65M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Ontario ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Ontario's score of 67/100 falls in the highlighted band.
Bank of Ontario'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 Ontario's $82M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.83% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.83%
Texas Ratio
47.97%
Equity Capital
$11M
Profitability metrics
Return on Assets (ROA)
66th percentile nationally
1.34%
Return on Equity (ROE)
10.40%
Efficiency Ratio
63.79%
What the numbers say about Bank of Ontario
Bank of Ontario is an FDIC-insured institution (Certificate #21085) headquartered in Ontario, Wisconsin, established in 1911. It holds $82M in total assets - 3,888th of 4,313 FDIC-insured banks, $68M in customer deposits, and $65M in net loans. Capital-wise, the Tier 1 ratio sits at 13.83%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 47.97%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (67 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 Ontario is a community-scale institution -- 148th of 155 FDIC-insured banks headquartered in Wisconsin by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$5M
Interest Income
$346K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Ontario reports a Texas Ratio of 47.97% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
47.97% - 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 Ontario (FDIC Cert #21085) - 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 Ontario's health grade?▼
Bank of Ontario receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Bank of Ontario?▼
Bank of Ontario holds $82M in total assets and $68M in deposits, ranking 3,888th of 4,313 FDIC-insured banks by asset size. It is headquartered in Ontario, Wisconsin.
Is my money safe at Bank of Ontario?▼
Yes, deposits at Bank of Ontario (Certificate #21085) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Ontario's Tier 1 Capital Ratio?▼
Bank of Ontario has a Tier 1 Capital Ratio of 13.83%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank of Ontario?▼
Bank of Ontario has a Texas Ratio of 47.97%. 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 Ontario?▼
Bank of Ontario has an Efficiency Ratio of 63.79%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Ontario's profile as a depositor or analyst.
- Bank of Ontario's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Ontario 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.