Wisconsin Banks

155 FDIC-insured banks · Average health score 46/100 · 11 failures since 2000

A
1
banks
B
28
banks
C
46
banks
D
29
banks
F
51
banks

Banking in Wisconsin — What the FDIC Data Shows

Wisconsin is home to 155 FDIC-insured banks holding a combined $165.2B in total assets and $132.4B in customer deposits. The average PlainBankData health score across all Wisconsin banks is 46/100, derived from four FDIC Call Report metrics: Tier 1 Capital Ratio, Return on Assets, Texas Ratio, and Efficiency Ratio. The largest institution headquartered in the state is Associated Bank, National Association of Green Bay, with $45.1B in assets and a health grade of C.

Looking at the grade distribution, 29 banks (19%) earn an A or B grade — signaling strong capital ratios and healthy profitability — while 46 sit at Grade C (meeting regulatory minimums with some areas to monitor) and 80 (52%) carry a D or F grade, indicating notable financial weaknesses in one or more of the four scoring pillars. Since 2000, Wisconsin has seen 11 bank failures tracked on the FDIC Failed Bank List. A higher failure count typically correlates with concentrated real-estate lending exposure during the 2008–2010 crisis years.

Not financial advice. These figures are drawn from public FDIC Call Reports and the FDIC Failed Bank List. Health grades are PlainBankData's interpretation of regulatory filings, not official FDIC ratings or endorsements. A lower grade does not mean your money is at risk — every dollar on deposit at any FDIC-insured bank is protected up to $250,000 per depositor, per ownership category, regardless of the institution's financial condition. For decisions about where to hold deposits or business funds, consult a qualified financial professional and verify figures directly at the FDIC's BankFind Suite.

Bank Assets Grade
Associated Bank, National Association $45.1B C
Nicolet National Bank $9.2B B
Johnson Bank $7.2B B
Town Bank, National Association $4.5B C
Bank First, N.A. $4.5B B
First Business Bank $4.1B C
John Deere Financial, f.s.b. $3.4B D
Lake Ridge Bank $3.3B C
National Exchange Bank and Trust $2.9B D
Bank Five Nine $2.7B C
North Shore Bank $2.6B F
One Community Bank $2.6B F
WaterStone Bank, SSB $2.3B C
National Bank of Commerce $2.2B B
IncredibleBank $2.1B C
Tri City National Bank $2.0B F
Citizens Community Federal National Association $1.8B C
Waukesha State Bank $1.6B F
Horicon Bank $1.6B C
The Park Bank $1.6B D
Peoples State Bank $1.5B C
Bankers' Bank $1.4B C
Forward Bank $1.2B D
Citizens Bank $1.2B F
Bank of Wisconsin Dells $1.1B B
River Bank $1.0B B
Great Midwest Bank, S.S.B. $1.0B F
The Port Washington State Bank $1.0B C
Security Financial Bank $1.0B C
Prevail Bank $979M F
Peoples State Bank $966M B
The Farmers & Merchants Bank $954M B
Ixonia Bank $951M C
Bank Cmg $895M D
DMB Community Bank $827M C
The Bank of New Glarus $813M C
Royal Bank $799M B
Westbury Bank $792M D
Bank of Prairie du Sac $760M B
Hiawatha National Bank $756M C
Fortifi Bank $745M B
Dairy State Bank $732M C
Bank of Sun Prairie $726M D
Bank of Luxemburg $716M C
Chippewa Valley Bank $716M B
Northwestern Bank $705M B
The Stephenson National Bank and Trust $693M F
Farmers and Merchants Union Bank $683M D
WOODTRUST BANK $663M D
Citizens State Bank of La Crosse $658M D
AbbyBank $657M C
Community State Bank $639M F
Community First Bank $636M C
Capitol Bank $634M C
Unity Bank $612M F
PyraMax Bank, FSB $598M D
Baraboo State Bank $587M C
PremierBank $580M C
First State Bank $564M F
Premier Community Bank $551M D
Mound City Bank $544M B
Coulee Bank $543M F
State Bank Financial $520M C
First Citizens State Bank $513M D
Woodford State Bank $509M C
State Bank of Chilton $506M D
Bank of Lake Mills $498M B
Citizens State Bank $478M F
Oak Bank $472M B
BLC Community Bank $471M C
Northwestern Mutual Wealth Management $465M F
Farmers Savings Bank $437M B
Spring Bank $434M F
Oostburg State Bank $434M C
FORTE BANK $432M C
Bank of Mauston $427M D
American National Bank - Fox Cities $419M F
The Bank of Brodhead $409M F
The Peoples Community Bank $394M F
Fox Valley Savings Bank $388M F
Wolf River Community Bank $386M D
The First National Bank of Bangor $382M D
West Pointe Bank $369M B
Shell Lake State Bank $365M F
Sterling Bank $353M B
Waumandee State Bank $351M C
Clare Bank, National Association $349M C
Citizens First Bank $345M F
Bank of Alma $334M D
The Equitable Bank, S.S.B. $332M F
State Bank of Newburg $332M D
Northern State Bank $331M B
Cumberland Federal Bank, FSB $329M B
First National Community Bank $319M C
The First National Bank of River Falls $318M C
Bay Bank $310M B
Citizens State Bank of Loyal $309M C
The Peshtigo National Bank $303M D
Laona State Bank $297M F
Collins State Bank $295M C
Partners Bank of Wisconsin $290M F
Nekoosa Port Edwards State Bank $290M A
The Farmers State Bank of Waupaca $279M F
First Federal Bank of Wisconsin $276M C
East Wisconsin Savings Bank $271M F
Pillar Bank $267M F
Bank of Deerfield $261M B
Ergo Bank $261M D
Alliance Bank $258M D
Citizens State Bank $254M C
Marathon Bank $248M F
Farmers & Merchants State Bank $241M F
Bank of Milton $233M D
Security Bank $232M F
Cleveland State Bank $232M F
Crossbridge Community Bank $221M F
Community Bank of Cameron $219M B
Great North Bank $218M D
The Portage County Bank $216M F
Paper City Savings Bank, S.A. $213M C
Badger Bank $208M F
Bristol Morgan Bank $192M C
The Bank of Kaukauna $188M C
Farmers & Merchants Bank & Trust $174M C
State Bank of Reeseville $170M F
First Community Bank $159M D
GreenLeaf Bank $155M F
Waldo State Bank $153M F
Bluff View Bank $152M B
The Pineries Bank $149M B
Oakwood Bank $148M D
Bank of Cashton $145M C
Security State Bank $139M B
River Falls State Bank $138M F
Banner Banks $133M F
Bonduel State Bank $128M B
KeySavings Bank $128M F
Union State Bank $125M F
Conservation First Bank $119M D
Headwaters State Bank $117M F
Richland County Bank $110M F
Community First Bank $106M F
The International Bank of Amherst $104M D
Black River Country Bank $103M C
Ladysmith Federal Savings and Loan Association $94M C
Superior Savings Bank $94M F
Independence State Bank $88M C
Bank of Ontario $82M F
Park Bank, National Association $80M D
Hustisford State Bank $80M F
Mayville Savings Bank $77M C
Highland State Bank $48M F
First National Bank in Tigerton $28M F
Columbia Savings and Loan Association $22M F
Thrivent Trust Company $16M F

How to Read the Wisconsin Bank Directory

This page lists every FDIC-insured bank with a primary regulatory address in Wisconsin. Inclusion does not depend on charter type — both state-chartered and nationally-chartered banks appear here when the FDIC institution directory places their headquarters in this state. Branch locations, ATM networks, and credit unions are NOT in scope; this is a headquarters-anchored view. The 155 institutions shown reflect the most recent quarterly FDIC release; counts will change at each refresh as institutions merge, are acquired, or close.

Health Grade Interpretation

Each bank's letter grade (A through F) is computed from four FDIC-reported metrics: Tier 1 capital ratio, return on assets, the Texas Ratio (non-performing assets ÷ tangible capital), and the efficiency ratio. Grades are relative — every quarter we recompute thresholds against the full FDIC universe, so a "B" today may have been an "A" last cycle if the median improved. Across Wisconsin, 29 institutions (19%) currently sit in the A or B band, while 80 (52%) fall in the D or F band. The C cluster — the broad middle — typically captures roughly half of any state's banks and is not a warning signal on its own.

What State Concentration Tells You

Banks register their headquarters in Wisconsin for several distinct reasons: regional community service (the bulk of small community banks), favorable trust law (a handful of states attract large national fiduciary operations), regulatory familiarity, or historic charter inheritance. A high concentration of total assets in a single state — South Dakota, Delaware, and Ohio are well-known examples — usually reflects a few very large institutions choosing the state for tax or regulatory reasons, not breadth of local banking competition. Below the top of the table, the long tail of mid-sized and community banks gives a clearer picture of local market structure.

When Failures Matter

Since 2000, 11 banks headquartered in Wisconsin have failed. Every depositor at those banks was made whole up to the standard FDIC insurance ceiling (currently $250,000 per depositor, per ownership category, per institution). Bank failures cluster around macro events (the 2008-2010 wave, the regional bank stress of 2023) rather than steady attrition, so a clean recent record at the state level does not imply state-level safety — it usually reflects the absence of a triggering shock. The "Under Stress" ranking is more useful for forward-looking comfort than the historical failure count, because it scores current capital and credit-loss capacity.

Sources, Refresh Cadence, and Corrections

Every figure on this page derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both of which are public-domain government datasets. We re-pull the data on the FDIC's schedule (a quarterly release plus monthly institution-directory delta files for merger and closure events). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by approximately ninety days — this is the FDIC's reporting lag, not ours. If a specific bank record looks wrong (renaming, merger, missing fields), the contact page accepts corrections; we reconcile them against the source feed at the next refresh.

Read our methodology — how this data is sourced, computed, and verified.

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Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial