Bank of Ontario

315 Main Street
Ontario, WI 54651

Notable Rates APY Vs.Others
Savings N.A. 2.60% →
1-Year CD N.A. 2.25% →
2-Year CD N.A. 2.50% →
5-Year CD N.A. 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Bank of Ontario is an FDIC insured institution located in Ontario, WI. It was founded in 1911 and has approximately $0.05 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 21085
Date Established 1911
Assets $0.05 billion
Loans $0.04 billion
Deposits $0.04 billion
Capital $0.01 billion

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

Deposit Rates - November 19, 2019

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bank Of Ontario, but see these great savings and CD rates:

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Loan Rates - November 19, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Ontario

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

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Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
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License#: MC-3098
3.527% 3.500% 0.38 $855 $1,123 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

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0.000 %
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3.740 %
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Atlantic Union Bank
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4.750 %
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Note to Bank of Ontario
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Financial Details

Bank of Ontario Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Ontario. 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
Bank of Ontario U.S. Bank Average
18.95% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 June 30, 2019, Bank of Ontario had $1,174,000 in non-current loans and $94,000 in owned real estate. To cover these potential losses it had $6,053,000 in equity and $639,000 in loans loss reserves. That gives it a Texas Ratio of 18.95%.

Return on Equity
Bank of Ontario U.S. Bank Average
16.71% 9.50%

Bank of Ontario has a Return on Equity of 16.71% versus the BestCashCow average of 9.50%. 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.

Bank of Ontario U.S. Bank Average
11.74% 12.76%

Bank of Ontario has a Capitalization of 11.74% versus the BestCashCow average of 12.76. 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.

Bank of Ontario Balance Sheet Analysis

As of June 30, 2019, Bank of Ontario had assets of $51,558,000, loans of $39,336,000, and deposits of $38,771,000. 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

June 30, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.04 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.05 billion
Total deposits $0.04 billion
      Interest-bearing deposits $0.03 billion
      Deposits held in domestic offices $0.04 billion
      % insured (estimated) 88.78%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.05 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Bank of Ontario’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Small Business Loans.

Compared to other banks in Wisconsin, Bank of Ontario has a significantly higher percent of Farm 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 34.17
Credit Card Loans 0.00
Consumer Auto Loans 2.43
Small Business Loans 10.52
Construction and Development Loans 0.24
Commercial Real Estate 10.52
Commercial and Industrial Loans 9.76
Farm Loans 12.92

Frequently Asked Questions About Bank Of Ontario

Branches and Savings

Is Bank Of Ontario FDIC insured?

Yes. It is covered under FDIC Certificate #21085.

Why does Bank Of Ontario pay such low interest on savings accounts?

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

Why are Bank Of Ontario CD rates not competitive?

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

Is Bank Of Ontario a commercial bank?


Where are Bank Of Ontario locations?

See branch locations nearby.

Is Bank Of Ontario open on Saturdays?

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Do Bank Of Ontario branches have notaries?

Will Bank Of Ontario notarize my document?

What address for Bank Of Ontario should I put for incoming ACH transfers?

Will the Bank Of Ontario branch print checks?

Do Bank Of Ontario checks expire?

Does Bank Of Ontario require US citizenship to open account?

Can Bank Of Ontario close my account?

Does Bank Of Ontario Report to credit bureaus?

Does Bank Of Ontario Use Equifax?

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What is Bank Of Ontario's SWIFT code?


Does Bank Of Ontario offer mortgages?

Compare mortgage rates here.

Does Bank Of Ontario offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Ontario offer personal loans?

Compare personal loan rates here.

Does Bank Of Ontario offer student loans?

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Background on The Bank

Who owns Bank Of Ontario?

How long has Bank Of Ontario been around?

Can Bank Of Ontario transfer to other banks?

Does Bank Of Ontario have quick pay?

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