Intercity State Bank
Schofield, Wisconsin · FDIC Cert #17128
Intercity State Bank is an FDIC-insured bank (Certificate #17128) with $262M in total assets and $195M in total deposits as of the Q2 2024 Call Report. Headquartered in Schofield, Wisconsin, the bank maintains a Tier 1 capital ratio of 24.14% (Well-Capitalized) and a nonperforming loan ratio of 0.29%. BankHealthData assigns a composite Health Grade of A (81/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Intercity State Bank (FDIC cert 17128) is a community bank — $262M in total assets, $195M in deposits, serving the Schofield, 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 24.14% 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 clean: non-performing loan ratio of 0.29% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 14.3% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 1.62% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Intercity State Bank carries a composite BankHealth grade of A (81/100) 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: Intercity State Bank
- Total Assets
- $262M
- Total Deposits
- $195M
- Tier 1 Capital Ratio
- 24.14%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.29%
- Liquidity Ratio
- 14.33%
- Return on Assets
- 1.62%
- Headquarters
- Schofield, Wisconsin
- FDIC Certificate
- #17128
- Health Grade
- A (81/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Intercity State Bank holds a Tier 1 capital ratio of 24.14%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Intercity State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Intercity State Bank shows strong financial health indicators. With $262M in assets and a Health Score of 81/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
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 Intercity State Bank Compares
Intercity State Bank’s Health Score of 81 is 14 points above the Wisconsin state average of 67 across 141 FDIC-insured banks. Its 24.14% Tier 1 capital ratio is 10.1 points above the US banking industry average near 14%. The 0.29% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.62% is in line with or above the national ROA benchmark of ~1.1%. Among 1582 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Intercity State Bank is 11 points above the portfolio average of 70.
Frequently Asked Questions
Intercity State Bank has a Bank Health Score of A (81/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 24.14%, 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. Intercity State Bank's Tier 1 capital ratio of 24.14% and nonperforming loan ratio of 0.29% indicate a low 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 Intercity State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #17128). 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.
Intercity State Bank holds $262M in total assets and $195M in total deposits. It is headquartered in Schofield, Wisconsin (FDIC Certificate #17128).
Intercity State Bank has a Tier 1 capital ratio of 24.14%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.29%, and the return on assets is 1.62%.
Yes. Intercity State Bank is FDIC-insured (Certificate #17128). 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 A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Intercity State Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.