Bancroft State Bank


5496 County Road W
Bancroft, WI 54921
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 1.05% →
2-Year CD N.A. 1.11% →
5-Year CD N.A. 1.56% →
30-Year Mortgage N.A. 2.88% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Bancroft State Bank is an FDIC insured institution located in Bancroft, WI. It was founded in 1912 and has approximately $0.07 billion in assets.

FDIC Insured Yes
FDIC Certificate # 12342
Date Established 1912
Assets $ 68.99 million
Loans $ 44.03 million
Deposits $ 60.57 million
Capital $ 8.37 million

For a more detailed analysis of Bancroft State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 15, 2020

Your Current Location: Connecticut, CT 06828

Loan Rates - August 15, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Bancroft State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.914% 2.875% 0.50 $1,250 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to Bancroft State Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Bancroft State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Bancroft State Bank Locations

Financial Details

Bancroft State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bancroft State Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bancroft State Bank U.S. Bank Average
9.53% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Bancroft State Bank had $800,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $8,372,000 in equity and $26,000 in loans loss reserves. That gives it a Texas Ratio of 9.53%.

Return on Equity
Bancroft State Bank U.S. Bank Average
10.08% 7.80%

Bancroft State Bank has a Return on Equity of 10.08% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bancroft State Bank U.S. Bank Average
12.14% 12.68%

Bancroft State Bank has a Capitalization of 12.14% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bancroft State Bank Balance Sheet Analysis

As of June 30, 2016, Bancroft State Bank had assets of $72,032,000, loans of $44,034,000, and deposits of $60,569,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 44.03 million
Loan loss allowance $ 0.03 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 60.57 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 68.99 million

Summary Income Statement

March 31, 2020
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Bancroft State Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Wisconsin, Bancroft State Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 39.67
Credit Card Loans 1.07
Consumer Auto Loans 1.45
Small Business Loans 18.17
Construction and Development Loans 5.58
Commercial Real Estate 21.85
Commercial and Industrial Loans 9.25
Farm Loans 4.74

Frequently Asked Questions About Bancroft State Bank

Branches and Savings

Is Bancroft State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #12342.

Why does Bancroft State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bancroft State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bancroft State Bank a commercial bank?


Where are Bancroft State Bank locations?

See branch locations nearby.

Is Bancroft State Bank open on Saturdays?

Is Bancroft State Bank open on Sundays?

What time does Bancroft State Bank open?

What time does Bancroft State Bank close?

Are Bancroft State Bank ATMs Open 24/7?

Do Bancroft State Bank ATMs accept cash deposits?

Can Bancroft State Bank customers use other ATMs?

Do Bancroft State Bank branches have notaries?

Will Bancroft State Bank notarize my document?

What address for Bancroft State Bank should I put for incoming ACH transfers?

Will the Bancroft State Bank branch print checks?

Do Bancroft State Bank checks expire?

Does Bancroft State Bank require US citizenship to open account?

Can Bancroft State Bank close my account?

Does Bancroft State Bank Report to credit bureaus?

Does Bancroft State Bank Use Equifax?

What is Bancroft State Bank's ACH Routing Number?

What is Bancroft State Bank's SWIFT code?


Does Bancroft State Bank offer mortgages?

Compare mortgage rates here.

Does Bancroft State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bancroft State Bank offer personal loans?

Compare personal loan rates here.

Does Bancroft State Bank offer student loans?

Will Bancroft State Bank cash a check?

Will Bancroft State Bank redeem a savings bond?

Does Bancroft State Bank cash savings bonds?

Will Bancroft State Bank cash money orders?

Can Bancroft State Bank issue a money order?

Does Bancroft State Bank do currency exchange?

Background on The Bank

Who owns Bancroft State Bank?

How long has Bancroft State Bank been around?

Can Bancroft State Bank transfer to other banks?

Does Bancroft State Bank have quick pay?

Does Bancroft State Bank accept rolled coins?

Will Bancroft State Bank accept loose change?

Where is Bancroft State Bank headquarters?

Customer Reviews for Bancroft State Bank

There are currently no comments for Bancroft State Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →