Updated June 2026 · FDIC Call Report Q2 2024

B-Rated Banks in Wisconsin

50 banks · Average score: 73/100 · Combined assets $87.4B

50 banks in this state currently hold B grades, averaging a composite score of 73/100. 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 12.49% and an NPL ratio of 0.54%, sourced from the most recent FDIC quarterly Call Report.

50 Wisconsin banks hold a B grade (73/100 average score). B-grade banks sit comfortably above the national median across most factors but lack the cushion of A-grade peers on one or more dimensions.

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 B-grade banks by health score with links to each bank's full profile.

A B C D F

What "B" Means in Practice

B-graded banks in Wisconsin are healthy mid-tier institutions — composite scores of 65–79. Currently 50 banks fit this category. The typical B-graded bank meets all regulatory thresholds with comfortable margin: solid capital, manageable loan losses, adequate liquidity. Most U.S. banks land in B territory; it's the workhorse middle of the distribution, not a warning sign.

For depositors: B-graded institutions are the broad middle of the U.S. banking system — solidly healthy and well within regulatory norms. FDIC insurance covers deposits up to $250,000 per depositor, per insured bank, per ownership category. No grade-based action needed; verify coverage at FDIC.gov if balances approach the limit.

Tier-Wide Snapshot in Wisconsin

Banks in this grade tier	50
Combined assets	$87.4B
Average composite score	73/100
Average Tier 1 capital ratio	12.49%
Average NPL ratio	0.54%

All B-Graded Banks in Wisconsin

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Security Financial Bank	Durand	79	$925M	11.72%	0.37%	24.92%
2	Black River Country Bank	Black River Fall	79	$99M	12.74%	0.01%	19.32%
3	Premier Community Bank	Marion	79	$514M	11.66%	0.19%	24.68%
4	Tri City National Bank	Oak Creek	79	$2.0B	10.12%	0.52%	35.38%
5	Badger Bank	Fort Atkinson	79	$196M	12.06%	0.71%	26.08%
6	Oak Bank	Fitchburg	79	$475M	13.70%	0.00%	15.20%
7	National Bank of Commerce	Superior	78	$1.4B	12.67%	0.80%	20.83%
8	Waukesha State Bank	Waukesha	78	$1.5B	11.79%	0.50%	21.51%
9	Bank of Brodhead	Brodhead	78	$315M	10.97%	0.15%	25.02%
10	American Nb Fox Cities	Appleton	78	$400M	12.75%	0.45%	20.15%
11	West Pointe Bank	Oshkosh	78	$344M	21.77%	0.00%	9.42%
12	Bank of Wisconsin Dells	Wisconsin Dells	77	$978M	11.95%	0.15%	19.37%
13	River Falls State Bank	River Falls	77	$136M	10.95%	0.18%	24.05%
14	Northwestern Bank	Chippewa Falls	77	$716M	11.08%	0.00%	19.57%
15	Greenleaf Bank	Greenleaf	76	$131M	9.77%	0.22%	27.50%
16	Superior Savings Bank	Superior	76	$86M	18.09%	1.07%	17.06%
17	Citizens Cmty Federal NA	Altoona	76	$1.8B	13.75%	0.60%	15.08%
18	Westbury Bank	Waukesha	75	$817M	13.12%	0.53%	16.55%
19	Waterstone Bank SSB	Wauwatosa	75	$2.3B	18.73%	0.29%	10.76%
20	Wolf River Community Bank	Hortonville	75	$302M	12.47%	0.13%	14.23%
21	Stephenson Nb&T	Marinette	75	$672M	9.48%	0.78%	25.71%
22	Blc Community Bank	Little Chute	74	$411M	12.46%	0.00%	15.58%
23	Bank of Luxemburg	Luxemburg	74	$661M	10.86%	0.02%	19.31%
24	Dmb Community Bank	Madison	74	$813M	15.61%	0.00%	11.73%
25	Forward Bank	Marshfield	74	$1.1B	11.15%	0.20%	19.65%
26	Forte Bank	Hartford	74	$361M	13.23%	0.06%	13.42%
27	John Deere Financial FSB	Middleton	73	$4.3B	19.05%	0.29%	0.02%
28	Pillar Bank	Baldwin	73	$258M	13.33%	2.78%	35.94%
29	Waumandee State Bank	Waumandee	72	$329M	11.83%	0.38%	18.08%
30	State Bank of Chilton	Chilton	72	$469M	11.40%	1.03%	18.38%
31	River Bank	Stoddard	72	$1.0B	12.91%	0.24%	14.31%
32	Abbybank	Abbotsford	72	$654M	11.32%	1.23%	26.87%
33	Bankers Bank	Madison	72	$1.5B	12.72%	1.01%	19.68%
34	Wisconsin River Bank	Sauk City	72	$183M	14.22%	0.00%	7.49%
35	Bank of New Glarus	New Glarus	71	$728M	9.63%	0.30%	21.08%
36	East Wisconsin Savings Bank	Kaukauna	71	$267M	10.07%	0.15%	25.57%
37	Citizens First Bank	Viroqua	70	$327M	9.67%	0.56%	22.01%
38	Bank of Kaukauna	Kaukauna	70	$144M	10.82%	0.05%	15.43%
39	Paper City Savings Bank Sa	Wisconsin Rapids	70	$213M	19.63%	0.58%	9.26%
40	Associated Bank NA	Green Bay	70	$41.6B	9.98%	0.54%	20.87%
41	Greenwoods State Bank	Lake Mills	69	$584M	12.20%	0.60%	16.37%
42	Keysavings Bank	Wisconsin Rapids	69	$109M	11.13%	2.08%	38.86%
43	Nicolet National Bank	Green Bay	69	$8.5B	10.74%	0.43%	14.23%
44	Coulee Bank	La Crosse	68	$568M	12.17%	0.29%	15.41%
45	Woodford State Bank	Monroe	67	$441M	10.19%	1.25%	22.32%
46	American Bank of Beaver Dam	Beaver Dam	67	$187M	10.22%	2.73%	43.80%
47	Citizens Stb of la Crosse	La Crosse	66	$648M	11.56%	0.89%	12.17%
48	Crossbridge Community Bank	Tomahawk	66	$205M	11.82%	0.79%	15.39%
49	Capitol Bank	Madison	66	$594M	11.92%	0.39%	12.31%
50	Bank First N A	Manitowoc	65	$4.1B	11.17%	0.31%	8.09%

For Depositors at B-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 B grade mean for a bank?

How many B-graded banks are in Wisconsin?

What does this tier look like financially?

Across 50 B-graded banks in Wisconsin, the average Tier 1 capital ratio is 12.49% and the average nonperforming-loan ratio is 0.54%. Combined assets in this cohort total $87.4B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at B-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 B 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 2026-06-29 · 50 B-graded banks in Wisconsin. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.