Total Assets
$409M
Total balance-sheet footings
FDIC Cert #2455 · Brodhead, Wisconsin · Est. 1896
The Bank of Brodhead - FDIC Bank Health Profile
A community-scale look at The Bank of Brodhead's own numbers, pulled straight from its quarterly FDIC Call Report.
- $409M
- Total assets
- C
- Health grade · Fair
- 0.63%
- Return on assets
- 9.1%
- Tier 1 capital
Data updated July 2026
The verdict
The Bank of Brodhead earns a PlainBankData health grade of C (52/100), with 9.11% Tier 1 capital, 0.63% ROA, 73% efficiency ratio.
- #2,057
- largest of 4,313 FDIC banks by assets
- 52nd
- percentile by asset size, nationally
- 9.11%
- Tier 1 ratio - below the 10% well-capitalized line
- 21st
- 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 The Bank of Brodhead's 52/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Bank of Brodhead's composite health score
Tier 1 Capital Ratio (9.11%) 18/40
Return on Assets (ROA) (0.63%) 14/25
Texas Ratio (10.03%) 16/20
Efficiency Ratio (73.29%) 4/15
52 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$329M
Customer-funded liabilities
Net Loans
$285M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Bank of Brodhead ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Bank of Brodhead's score of 52/100 falls in the highlighted band.
The Bank of Brodhead'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). The Bank of Brodhead's $409M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.11% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.11%
Texas Ratio
10.03%
Equity Capital
$37M
Profitability metrics
Return on Assets (ROA)
21st percentile nationally
0.63%
Return on Equity (ROE)
6.81%
Efficiency Ratio
73.29%
What the numbers say about The Bank of Brodhead
The Bank of Brodhead is an FDIC-insured institution (Certificate #2455) headquartered in Brodhead, Wisconsin, established in 1896. It holds $409M in total assets - 2,057th of 4,313 FDIC-insured banks, $329M in customer deposits, and $285M in net loans. Its capital position: a Tier 1 ratio of 9.11%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 10.03% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (52 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Bank of Brodhead sits 78th of 155 banks headquartered in Wisconsin by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$20M
Interest Income
$1M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Bank of Brodhead reports a Texas Ratio of 10.03% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.03% - 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) The Bank of Brodhead (FDIC Cert #2455) - 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 The Bank of Brodhead's health grade?▼
The Bank of Brodhead receives a health grade of C (52/100) 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 The Bank of Brodhead?▼
The Bank of Brodhead holds $409M in total assets and $329M in deposits, ranking 2,057th of 4,313 FDIC-insured banks by asset size. It is headquartered in Brodhead, Wisconsin.
Is my money safe at The Bank of Brodhead?▼
Yes, deposits at The Bank of Brodhead (Certificate #2455) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Bank of Brodhead's Tier 1 Capital Ratio?▼
The Bank of Brodhead has a Tier 1 Capital Ratio of 9.11%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for The Bank of Brodhead?▼
The Bank of Brodhead has a Texas Ratio of 10.03%. 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 The Bank of Brodhead?▼
The Bank of Brodhead has an Efficiency Ratio of 73.29%. 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 The Bank of Brodhead's profile as a depositor or analyst.
- The Bank of Brodhead's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Bank of Brodhead 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.