Updated June 2026 · FDIC Call Report Q2 2024

C-Rated Banks in Wisconsin

22 banks · Average score: 62/100 · Combined assets $20.1B

22 banks in this state currently hold C grades, averaging a composite score of 62/100. 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 12.17% and an NPL ratio of 1.00%, sourced from the most recent FDIC quarterly Call Report.

22 Wisconsin banks hold a C grade, averaging 62/100. C-grade banks track close to peer medians — neither standouts nor distressed, but with less cushion against credit-cycle pressure than A-or-B-grade peers.

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

A B C D F

What "C" Means in Practice

C-graded banks in Wisconsin are middle-of-the-pack institutions — composite scores of 50–64 — with at least one factor running notably weaker than peers. Currently 22 banks chartered in Wisconsin carry C grades. The pattern usually reflects either thinner-than-average capital, elevated NPL ratios, or compressed return on assets. Not crisis territory, but a tier where individual bank-level review is warranted.

For depositors: C-graded institutions are not in trouble, but they have at least one weaker factor than peers. FDIC insurance still protects deposits up to $250,000 per depositor, per insured bank, per ownership category. Depositors with combined balances above the limit should verify exact coverage using FDIC's EDIE calculator at FDIC.gov.

Tier-Wide Snapshot in Wisconsin

Banks in this grade tier	22
Combined assets	$20.1B
Average composite score	62/100
Average Tier 1 capital ratio	12.17%
Average NPL ratio	1.00%

All C-Graded Banks in Wisconsin

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Laona State Bank	Laona	64	$265M	9.98%	2.46%	40.80%
2	Bank Five Nine	Oconomowoc	64	$2.1B	10.81%	0.39%	12.62%
3	Bank of Sun Prairie	Sun Prairie	64	$748M	11.27%	0.00%	10.75%
4	Park Bank	Madison	64	$1.5B	11.43%	0.04%	10.22%
5	One Community Bank	Oregon	64	$2.2B	10.75%	0.21%	11.09%
6	Bank of Deerfield	Deerfield	64	$226M	12.49%	0.54%	6.28%
7	Waldo State Bank	Waldo	64	$129M	10.87%	0.49%	13.19%
8	Horicon Bank	Horicon	63	$1.5B	10.03%	0.65%	15.18%
9	Park Bank National Assn	Holmen	63	$66M	30.66%	5.25%	51.52%
10	First Business Bank	Madison	63	$3.6B	10.44%	0.63%	10.97%
11	Incrediblebank	Wausau	63	$2.0B	10.03%	1.45%	19.44%
12	Security Bank	New Auburn	62	$193M	12.62%	0.92%	5.07%
13	Farmers&Merchants State Bank	Waterloo	62	$234M	10.86%	0.00%	8.28%
14	Collins State Bank	Collins	62	$238M	10.16%	0.02%	10.82%
15	Great Midwest Bank SSB	Brookfield	62	$990M	16.01%	1.55%	7.06%
16	Marathon Bank	Wausau	62	$221M	13.04%	0.00%	7.11%
17	Lake Ridge Bank	Middleton	61	$3.0B	10.59%	0.36%	11.53%
18	Benton State Bank	Benton	60	$97M	9.54%	0.05%	8.01%
19	Bristol Morgan Bank	Oakfield	59	$159M	14.27%	2.54%	12.89%
20	Bank of Ontario	Ontario	57	$82M	12.13%	2.63%	10.10%
21	Equitable Bank SSB	Wauwatosa	55	$337M	9.65%	0.06%	9.86%
22	Ergo Bank	Markesan	54	$233M	10.07%	1.66%	11.79%

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

How many C-graded banks are in Wisconsin?

What does this tier look like financially?

Across 22 C-graded banks in Wisconsin, the average Tier 1 capital ratio is 12.17% and the average nonperforming-loan ratio is 1.00%. Combined assets in this cohort total $20.1B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at C-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 C 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 · 22 C-graded banks in Wisconsin. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.