Bank of Deerfield
Deerfield, Wisconsin · FDIC Cert #2477
Bank of Deerfield is an FDIC-insured bank (Certificate #2477) with $226M in total assets and $192M in total deposits as of the Q2 2024 Call Report. Headquartered in Deerfield, Wisconsin, the bank maintains a Tier 1 capital ratio of 12.49% (Well-Capitalized) and a nonperforming loan ratio of 0.54%. BankHealthData assigns a composite Health Grade of C (64/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Deerfield (FDIC cert 2477) is a community bank — $226M in total assets, $192M in deposits, serving the Deerfield, Wisconsin area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.49% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.54% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 6.3% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.43% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Bank of Deerfield carries a composite BankHealth grade of C (64/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Deerfield
- Total Assets
- $226M
- Total Deposits
- $192M
- Tier 1 Capital Ratio
- 12.49%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.54%
- Liquidity Ratio
- 6.28%
- Return on Assets
- 1.43%
- Headquarters
- Deerfield, Wisconsin
- FDIC Certificate
- #2477
- Health Grade
- C (64/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of Deerfield holds a Tier 1 capital ratio of 12.49%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Deerfield has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Deerfield shows average financial health. While not alarming, its Health Score of 64/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Deerfield Compares
Bank of Deerfield’s Health Score of 64 is 3 points below the Wisconsin state average of 67 across 141 FDIC-insured banks. Its 12.49% Tier 1 capital ratio is 1.5 points below the US banking industry average near 14%. The 0.54% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.43% is in line with or above the national ROA benchmark of ~1.1%. Among 1548 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, Bank of Deerfield is 6 points below the portfolio average of 70.
Frequently Asked Questions
Bank of Deerfield has a Bank Health Score of C (64/100), placing it in average financial health. It holds a Tier 1 capital ratio of 12.49%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Deerfield's Tier 1 capital ratio of 12.49% and nonperforming loan ratio of 0.54% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Deerfield is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #2477). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Deerfield holds $226M in total assets and $192M in total deposits. It is headquartered in Deerfield, Wisconsin (FDIC Certificate #2477).
Bank of Deerfield has a Tier 1 capital ratio of 12.49%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.54%, and the return on assets is 1.43%.
Yes. Bank of Deerfield is FDIC-insured (Certificate #2477). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Deerfield's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.