Bank of Ontario

315 Main Street
Ontario, WI 54651


General Bank Information

FDIC Insured Yes
FDIC Certificate # 21085
Date Established 1911
Assets $0.04 billion
Loans $0.03 billion
Deposits $0.03 billion
Capital $0.01 billion

Bank of Ontario is an FDIC insured institution located in Ontario, WI. It was founded in 1911 and has approximately $0.04 billion in assets. Customers can open an account at one of its 2 branches.

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.

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 36.68
Credit Card Loans 0.00
Consumer Auto Loans 2.01
Small Business Loans 9.62
Construction and Development Loans 0.88
Commercial Real Estate 9.62
Commercial and Industrial Loans 7.26
Farm Loans 13.98

Savings Rates

Your Current Location: Virginia, VA 20146

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

1.20% APY Online Savings Account from Ally Bank

Loan Rates

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 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
US Wide Financial
NMLS ID: 55028
License#: MC-5809
3.680% 3.625% 0.50 $1,705 $1,141 Learn More

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

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Bank Of Ontario Locations

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
11.24% 8.87%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2017, Bank of Ontario had $461,000 in non-current loans and $178,000 in owned real estate. To cover these potential losses it had $5,158,000 in equity and $527,000 in loans loss reserves. That gives it a Texas Ratio of 11.24%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of Ontario U.S. Bank Average
13.89% 8.39%

Bank of Ontario has a Return on Equity of 13.89% versus the BestCashCow average of 8.39%. 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
13.44% 11.94%

Bank of Ontario has a Capitalization of 13.44% versus the BestCashCow average of 11.94%. 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, 2017, Bank of Ontario had assets of $38,385,000, loans of $30,183,000, and deposits of $31,693,000. 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.

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