Wisconsin River Bank
Sauk City, WI
IDRSSD: 2164111
Total Assets
$179.99M
Latest filing
Total Deposits
$145.97M
Latest filing
Net Interest Margin
3.14%
Profitability
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/21/1994 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 53583 |
| State and County Number | 55111 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Baraboo, WI |
Operational Info
| Number of Employees | 20 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/02/2025 |
| Date of Deposit Insurance | 02/21/1994 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 33880 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $179.99M |
| Total Deposits | $145.97M |
| Total Liabilities | $154.73M |
| Total Equity Capital | $25.27M |
| Net Income | $-737,000 |
| Net Loans and Leases | $137.43M |
| Assets Per Employee ($Millions) | $9M |
| Bank Premises and Fixed Assets | $2.22M |
| Cash and Balances due from Depository Institutions | $8.42M |
| Deposits Held in Domestic Offices | $145.97M |
Key Performance Ratios
| Return on Assets (ROA) | -1.65% |
| Return on Equity (ROE) | -11.48% |
| Net Interest Margin | 3.14% |
| Efficiency Ratio | 151.12% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.3% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.038% |
| Earning Assets to total Assets | 96.64% |
Income and Expense
| Total Interest Income | $2.42M |
| Total Noninterest Income | $30.00k |
| Total Interest Expense | $1.06M |
| Total Noninterest Expense | $2.09M |
| Net Interest Income | $1.35M |
| Pre-tax Net Operating Income | $-842,000 |
| Provision for Credit Losses | $134.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $6.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $25.68M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.75M |
| Total Liabilities and Capital | $179.99M |
Securities
| Securities | $4.19M |
| Available-for-sale debt securities | $4.19M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Wisconsin River Bank?
$179.99M as of the latest filing.
How much are Wisconsin River Bank's total deposits?
$145.97M in total deposits.
Where is Wisconsin River Bank located?
Sauk City, WI.
What is the Net Interest Margin?
3.14%.
How many domestic offices does it operate?
3.
When was it established?
02/21/1994.
What is the Return on Assets (ROA)?
-1.65%.
How much are total loans and leases?
$137.43M (latest filing).
What is the total interest income (latest filing)?
$2.42M.