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Black River Country Bank

Black River Falls, WI
IDRSSD: 603540
Total Assets
$100.96M
Latest filing
Total Deposits
$85.50M
Latest filing
Net Interest Margin
4.11%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1907
Community BankYes
Ownership TypeNot Mutual
ZIP54615
State and County Number55053
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameN/A

Operational Info

Number of Employees19
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.brcbank.com
Data Updated11/14/2025
CERT15152
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$100.96M
Total Deposits$85.50M
Total Liabilities$93.06M
Total Equity Capital$7.90M
Net Income$351.00k
Net Loans and Leases$74.97M
Assets Per Employee ($Millions)$5.31M
Bank Premises and Fixed Assets$1.68M
Cash and Balances due from Depository Institutions$5.04M
Deposits Held in Domestic Offices$85.50M

Key Performance Ratios

Return on Assets (ROA)1.4%
Return on Equity (ROE)18.8%
Net Interest Margin4.11%
Efficiency Ratio64.6%
Tier 1 Risk-Based Capital Ratio13.163%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.06%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets7.827%
Earning Assets to total Assets93.46%

Income and Expense

Total Interest Income$1.34M
Total Noninterest Income$68.00k
Total Interest Expense$371.00k
Total Noninterest Expense$668.00k
Net Interest Income$966.00k
Pre-tax Net Operating Income$351.00k
Provision for Credit Losses$15.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$7.08M
Federal Funds Sold & Reverse Repurchase Agreement$192.00k
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$477.00k
Total Liabilities and Capital$100.96M

Securities

Securities$16.04M
Available-for-sale debt securities$16.04M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Black River Country Bank?
$100.96M as of the latest filing.
How much are Black River Country Bank's total deposits?
$85.50M in total deposits.
Where is Black River Country Bank located?
Black River Falls, WI.
What is the Net Interest Margin?
4.11%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1907.
What is the Return on Assets (ROA)?
1.4%.
How much are total loans and leases?
$74.97M (latest filing).
What is the total interest income (latest filing)?
$1.34M.