Bristol Morgan Bank
Oakfield, Wisconsin · FDIC Cert #9523
Bristol Morgan Bank is an FDIC-insured bank (Certificate #9523) with $159M in total assets and $118M in total deposits as of the Q2 2024 Call Report. Headquartered in Oakfield, Wisconsin, the bank maintains a Tier 1 capital ratio of 14.27% (Well-Capitalized) and a nonperforming loan ratio of 2.54%. BankHealthData assigns a composite Health Grade of C (59/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bristol Morgan Bank (FDIC cert 9523) is a community bank — $159M in total assets, $118M in deposits, serving the Oakfield, 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 14.27% 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 elevated: non-performing loan ratio of 2.54% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is thin: 12.9% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is thin: ROA of 0.34% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Bristol Morgan Bank carries a composite BankHealth grade of C (59/100) 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: Bristol Morgan Bank
- Total Assets
- $159M
- Total Deposits
- $118M
- Tier 1 Capital Ratio
- 14.27%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.54%
- Liquidity Ratio
- 12.89%
- Return on Assets
- 0.34%
- Headquarters
- Oakfield, Wisconsin
- FDIC Certificate
- #9523
- Health Grade
- C (59/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bristol Morgan Bank holds a Tier 1 capital ratio of 14.27%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bristol Morgan Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bristol Morgan Bank shows average financial health. While not alarming, its Health Score of 59/100 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 Bristol Morgan Bank Compares
Bristol Morgan Bank’s Health Score of 59 is 8 points below the Wisconsin state average of 67 across 141 FDIC-insured banks. Its 14.27% Tier 1 capital ratio is 0.3 points above the US banking industry average near 14%. The 2.54% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.34% is below the national ROA benchmark of ~1.1%. Among 1419 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Bristol Morgan Bank is 11 points below the portfolio average of 70.
Frequently Asked Questions
Bristol Morgan Bank has a Bank Health Score of C (59/100), placing it in average financial health. It holds a Tier 1 capital ratio of 14.27%, 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. Bristol Morgan Bank's Tier 1 capital ratio of 14.27% and nonperforming loan ratio of 2.54% 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 Bristol Morgan Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #9523). 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.
Bristol Morgan Bank holds $159M in total assets and $118M in total deposits. It is headquartered in Oakfield, Wisconsin (FDIC Certificate #9523).
Bristol Morgan Bank has a Tier 1 capital ratio of 14.27%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.54%, and the return on assets is 0.34%.
Yes. Bristol Morgan Bank is FDIC-insured (Certificate #9523). 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%).
Bristol Morgan Bank'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.