Safest Banks in Wisconsin 2026
Wisconsin has 141 FDIC-insured banks with an average Bank Health Score of 78/100 (B). The safest bank is Associated Trust Co NA with a score of 100/100.
Data from FDIC Q2 2024
141 Wisconsin banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Wisconsin's 141 FDIC-insured banks hold a combined $144.1B in assets. Their average Bank Health Score of 78/100 sits 2.0 points below the national average of 80/100. Across the state, 83% of banks earn an A or B grade for financial health, while 1% fall to a D or F.
The largest bank headquartered in Wisconsin is Associated Bank NA with $41.6B in assets and a Bank Health Score of 70/100. The strongest by score is Associated Trust Co NA in Milwaukee (100/100, Tier 1 capital 88.08%). The weakest is Columbia Savings&Loan Assn at 31/100, dragged down by an NPL ratio of 7.35%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Wisconsin
Associated Trust Co NA
Milwaukee, WI
Wisconsin's top-rated bank, with a Tier 1 capital ratio of 88.08% — well above the federal "well-capitalized" threshold of 8%. Holds $82M in assets.
Thrivent Trust Co
Appleton, WI
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.00% with $16M in total assets.
Northwestern Mutual Wealth M
Milwaukee, WI
Third in the rankings on the Bank Health Score. Liquidity ratio of 92.68% and ROA of 51.17%.
Top 20 of 141 Banks in Wisconsin
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Associated Trust Co NA | Milwaukee | A | 100 | 88.08% | 0.00% |
| 2 | Thrivent Trust Co | Appleton | A | 100 | 288.00% | 0.00% |
| 3 | Northwestern Mutual Wealth M | Milwaukee | A | 100 | 58.86% | 0.00% |
| 4 | Northern State Bank | Ashland | A | 99 | 17.21% | 0.10% |
| 5 | Nekoosa Port Edwards Stb | Nekoosa | A | 99 | 27.25% | 0.00% |
| 6 | First Citizens State Bank | Whitewater | A | 98 | 17.96% | 0.00% |
| 7 | Bank of Prairie du Sac | Prairie du Sac | A | 98 | 20.47% | 0.14% |
| 8 | Baraboo State Bank | Baraboo | A | 97 | 19.04% | 0.03% |
| 9 | Bank of Alma | Alma | A | 97 | 49.56% | 0.56% |
| 10 | Bluff View Bank | Galesville | A | 97 | 20.72% | 0.02% |
| 11 | Royal Bank | Elroy | A | 96 | 15.60% | 0.17% |
| 12 | Richland County Bank | Richland Center | A | 96 | 19.04% | 0.00% |
| 13 | Pineries Bank | Stevens Point | A | 96 | 20.69% | 0.23% |
| 14 | Bank of Mauston | Mauston | A | 95 | 13.45% | 0.04% |
| 15 | International Bk of Amherst | Amherst | A | 95 | 13.87% | 0.00% |
| 16 | First Nb of River Falls | River Falls | A | 95 | 16.58% | 0.02% |
| 17 | Citizens State Bank of Loyal | Loyal | A | 95 | 14.95% | 0.00% |
| 18 | Banner Banks | Birnamwood | A | 94 | 13.30% | 0.00% |
| 19 | First Nb in Tigerton | Tigerton | A | 94 | 12.80% | 0.00% |
| 20 | Dairy State Bank | Rice Lake | A | 94 | 19.48% | 0.08% |
Bank Health Scores for Wisconsin are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Associated Trust Co NA in Milwaukee is currently the safest bank in Wisconsin with a score of 100/100 (Grade A). It posts a Tier 1 capital ratio of 88.08% and a nonperforming loan ratio of 0.00%.
Wisconsin has 141 FDIC-insured banks with a combined $144.1B in total assets. The average Bank Health Score across the state is 78/100 (Grade B).
Wisconsin's average Bank Health Score of 78/100 is 2.0 points below the national average of 80/100. 83% of banks in Wisconsin earn an A or B grade, compared with the national average grade of A.
Of 141 FDIC-insured banks headquartered in Wisconsin, 67 earn an A, 50 a B, 22 a C, 1 a D, and 1 an F. The most common grade is B.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).