FDIC Cert #15146 · Florence, Wisconsin · Est. 1891

Great North Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$218M
Total assets
C
Health grade · Fair
-0.17%
Return on assets
13.6%
Tier 1 capital

Data updated July 2026

The verdict

Great North Bank earns a PlainBankData health grade of C (51/100), with well-capitalized at 13.63% Tier 1, -0.17% ROA, 102% efficiency ratio.

#2,906
largest of 4,313 FDIC banks by assets
33rd
percentile by asset size, nationally
13.63%
Tier 1 ratio - above the 10% well-capitalized line
4th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 15146 · WI C · 51/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-C C (51/100)
  • BOTTOM-DECILE #4119/4307
  • PHOTO-FINISH First State Bank · MS
  • TIER1-WELL 13.6% Tier 1
  • TEXAS-CLEAN 5.4% Texas
  • ROA-LOSS -0.17% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wisconsin: First State Bank, MS (±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 Great North Bank

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

Morgan Stanley Bank,… · UT ·…100/100BANK · IA · near51/100First State Bank · MS · near51/100Generations Bank · NY · near51/100Great North Bank · WI · this…51/100Neighbors Bank · MO · near51/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Great North Bank · July 2026

Call Report read for Great North Bank in a high-failure state

Great North Bank (FDIC Cert #15146) carries a PlainBankData health grade of C at 51/100, 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 #4,119 of 4,307. Tier 1 capital prints at 13.63%, clearing the 10% well-capitalized line. The Texas Ratio is 5.45%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.17%. Balance-sheet scale is $218M, 2,906th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First State Bank (MS), 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 Great North Bank

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

Great North Bank 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 Great North Bank'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 Great North Bank's 51/100 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 avg77/10051/100
Great North Bank's composite health score
Tier 1 Capital Ratio (13.63%) 35/40
Return on Assets (ROA) (-0.17%) 0/25
Texas Ratio (5.45%) 16/20
Efficiency Ratio (102.27%) 0/15

51 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$218M

Total balance-sheet footings

Total Deposits

$172M

Customer-funded liabilities

Net Loans

$133M

Outstanding loan book

Net Income

$-318K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.23% 13.63% 15.03%
Basel III capital ratios - Great North Bank

Where Great North Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Great North Bank's score of 51/100 falls in the highlighted band.

Great North Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

51 4th percentile higher than 4% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 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. Great North Bank 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

Great North Bank'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). Great North Bank's $218M falls in the highlighted band.

Capital & credit buffers at Great North Bank

Tier 1 capital ratio
Well-capitalized 10%

13.63% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.63%
Texas Ratio
5.45%
Equity Capital
$33M

What these ratios mean →

Profitability metrics: Great North Bank

Return on Assets (ROA)
4th percentile nationally
-0.17%
Return on Equity (ROE)
-0.95%
Efficiency Ratio
102.27%

What these mean →

Income & expense: loss period at Great North Bank

$12M
Interest Income
$4M
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Great North Bank reports a Texas Ratio of 5.45% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.45% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Great North Bank

Great North Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-318K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Great North Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Great North Bank 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 ($218M here), outside Wisconsin so the neighborhood is not state containment.

Embassy National Bank $218M · GA I3 Bank $218M · NE Ipava State Bank $218M · IL Vidalia Federal Savings Bank $219M · GA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Great North Bank (FDIC Cert #15146) - 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.

Great North Bank 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%