Updated April 2026 · FDIC Call Report Q2 2024

A-Rated Banks in Wisconsin

40 banks · Average score: 89/100 · Combined assets $25.2B

40 banks in this state currently hold A grades, averaging a composite score of 89/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 24.13% and an NPL ratio of 0.35%, sourced from the most recent FDIC quarterly Call Report.

40 Wisconsin banks earn an A grade on the BankHealth composite, with an average score of 89/100. A-grade banks combine strong Tier 1 capital, clean loan books, comfortable liquidity, and solid ROA.

State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks Wisconsin A-grade banks by health score with links to each bank's full profile.

A B C D F

What "A" Means in Practice

A-graded banks in Wisconsin are the strongest tier — institutions with composite Bank Health Scores of 80 or higher across capital, loan quality, liquidity, and profitability. Currently 40 banks chartered in Wisconsin qualify. A grades typically reflect well-above-regulatory capital cushions (often 12%+ Tier 1), sub-1% nonperforming loans, and ample liquidity buffers. Many A-graded banks are conservatively run community institutions or specialty banks with focused, lower-risk loan portfolios.

For depositors: A-graded institutions face less probability of regulatory action than peers, all else equal. That said, FDIC insurance — not the bank's grade — protects deposits up to $250,000 per depositor, per insured bank, per ownership category. The grade describes regulatory cushion; insurance describes guaranteed protection.

Tier-Wide Snapshot in Wisconsin

Banks in this grade tier	40
Combined assets	$25.2B
Average composite score	89/100
Average Tier 1 capital ratio	24.13%
Average NPL ratio	0.35%

All A-Graded Banks in Wisconsin

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Thrivent Trust Co	Appleton	100	$16M	288.00%	0.00%	92.81%
2	Northern State Bank	Ashland	99	$303M	17.21%	0.10%	42.24%
3	Nekoosa Port Edwards Stb	Nekoosa	99	$258M	27.25%	0.00%	33.90%
4	Bank of Prairie du Sac	Prairie du Sac	98	$585M	20.47%	0.14%	36.67%
5	Baraboo State Bank	Baraboo	97	$493M	19.04%	0.03%	43.92%
6	Bluff View Bank	Galesville	97	$140M	20.72%	0.02%	31.44%
7	Royal Bank	Elroy	96	$739M	15.60%	0.17%	29.16%
8	Pineries Bank	Stevens Point	96	$137M	20.69%	0.23%	34.28%
9	First Nb of River Falls	River Falls	95	$313M	16.58%	0.02%	44.01%
10	Citizens State Bank of Loyal	Loyal	95	$287M	14.95%	0.00%	36.06%
11	Dairy State Bank	Rice Lake	94	$741M	19.48%	0.08%	51.48%
12	Bay Bank	Green Bay	94	$267M	21.21%	0.89%	54.70%
13	Bank of Cashton	Cashton	93	$132M	15.15%	0.00%	26.97%
14	Farmers&Merchants Union Bank	Columbus	93	$504M	18.32%	0.00%	22.73%
15	Cumberland Federal Bank FSB	Cumberland	93	$270M	17.60%	0.49%	50.88%
16	Peshtigo National Bank	Peshtigo	93	$271M	15.30%	0.01%	35.38%
17	State Bank Financial	La Crosse	92	$449M	14.26%	0.32%	31.45%
18	Bonduel State Bank	Bonduel	91	$115M	21.06%	0.80%	30.84%
19	Chippewa Valley Bank	Hayward	88	$696M	12.63%	0.29%	25.92%
20	Clare Bank National Assn	Platteville	87	$313M	29.05%	0.84%	52.69%
21	Community Bank of Cameron	Cameron	85	$192M	12.64%	0.16%	23.36%
22	Hiawatha National Bank	Hager City	85	$752M	13.08%	0.94%	27.47%
23	Johnson Bank	Racine	85	$6.4B	15.54%	0.16%	18.43%
24	Premierbank	Fort Atkinson	85	$549M	12.94%	0.44%	31.70%
25	Port Washington State Bank	Port Washington	85	$903M	12.54%	0.19%	30.24%
26	Ixonia Bank	Ixonia	84	$768M	13.25%	0.38%	22.19%
27	Ladysmith Fs&La	Ladysmith	84	$90M	15.17%	0.73%	23.88%
28	Prevail Bank	Medford	84	$953M	19.15%	0.14%	22.82%
29	Oostburg State Bank	Oostburg	83	$359M	13.84%	0.36%	20.85%
30	Farmers&Merchants Bank&Trust	Marinette	83	$164M	15.81%	1.39%	26.88%
31	Mayville Savings Bank	Mayville	83	$70M	24.95%	0.61%	20.54%
32	Pyramax Bank FSB	Greenfield	82	$560M	14.66%	0.19%	21.97%
33	Bank of Lake Mills	Lake Mills	82	$336M	18.23%	0.03%	14.90%
34	Intercity State Bank	Schofield	81	$262M	24.14%	0.29%	14.33%
35	Fortifi Bank	Berlin	81	$655M	14.17%	0.90%	18.99%
36	Mound City Bank	Platteville	81	$499M	15.89%	0.46%	18.30%
37	Independence State Bank	Independence	80	$78M	11.87%	0.05%	24.04%
38	Great North Bank	Florence	80	$172M	17.55%	1.72%	36.75%
39	First Federal Bank of Wi	Waukesha	80	$307M	24.57%	0.04%	14.57%
40	Town Bank National Assn	Hartland	80	$4.1B	10.83%	0.26%	25.13%

For Depositors at A-Graded Banks

FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.

For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.

How These Grades Are Calculated

Every bank earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.

Frequently Asked Questions

What does a A grade mean for a bank?

How many A-graded banks are in Wisconsin?

What does this tier look like financially?

Across 40 A-graded banks in Wisconsin, the average Tier 1 capital ratio is 24.13% and the average nonperforming-loan ratio is 0.35%. Combined assets in this cohort total $25.2B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at A-graded banks still FDIC-insured?

Where does this data come from?

Bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All FDIC and FFIEC data is U.S. government public domain.

All banks in Wisconsin →All grade A banks nationwide →Healthiest Banks →Methodology →

Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.

Last updated 2026-04-06 · 40 A-graded banks in Wisconsin. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.