Bank of Wisconsin Dells

Headquarters

716 Superior Street
Wisconsin Dells, WI 53965
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.08% 0.95% →
1-Year CD 0.30% 1.01% →
2-Year CD 0.60% 0.95% →
5-Year CD 1.20% 1.30% →
30-Year Mortgage 3.65% 2.80% →
15-Year Mortgage 3.17% 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Bank of Wisconsin Dells is an FDIC insured institution located in Wisconsin Dells, WI. It was founded in 1910 and has approximately $0.6 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 15136
Date Established 1910
Assets $ 604.16 million
Loans $ 487.29 million
Deposits $ 515.65 million
Capital $ 75.42 million
 

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

Deposit Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.08% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.12% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.15% $10,000 $14,999 Learn More
3 Mo CD
0.15% $100,000 $199,999 Learn More
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.30% $10,000 $14,999 Learn More
12 Mo CD
0.30% $100,000 $199,999 Learn More
18 Mo CD
0.40% $10,000 $14,999 Learn More
18 Mo CD
0.40% $100,000 $199,999 Learn More
24 Mo CD
0.60% $10,000 $14,999 Learn More
24 Mo CD
0.60% $100,000 $199,999 Learn More
30 Mo CD
0.65% $10,000 $14,999 Learn More
30 Mo CD
0.65% $100,000 $199,999 Learn More
36 Mo CD
0.75% $10,000 $14,999 Learn More
36 Mo CD
0.75% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.20% $10,000 $14,999 Learn More
60 Mo CD
1.20% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.08% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Bank of Wisconsin Dells 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:
Ashburn,Virginia


Bank of Wisconsin Dells Locations


Financial Details

Bank of Wisconsin Dells Ratio Analysis

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

Texas Ratio
Bank of Wisconsin Dells U.S. Bank Average
0.51% 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, Bank of Wisconsin Dells had $431,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $75,415,000 in equity and $9,209,000 in loans loss reserves. That gives it a Texas Ratio of 0.51%.

Return on Equity
Bank of Wisconsin Dells U.S. Bank Average
13.01% 7.80%

Bank of Wisconsin Dells has a Return on Equity of 13.01% 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.

Capitalization
Bank of Wisconsin Dells U.S. Bank Average
12.48% 12.68%

Bank of Wisconsin Dells has a Capitalization of 12.48% 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.

Bank of Wisconsin Dells Balance Sheet Analysis

As of March 31, 2020, Bank of Wisconsin Dells had assets of $604,158,000, loans of $487,294,000, and deposits of $515,645,000. 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
ASSETS
Cash & Balances due from depository institutions $ 13.65 million
Interest-bearing balances $ 8.23 million
Total securities $ 73.67 million
Federal funds sold and reverse repurchase $ 3.26 million
Net loans and leases $ 487.29 million
Loan loss allowance $ 9.21 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.60 million
All other assets $ 17.83 million
     Total Assets $ 528.74 million
LIABILITIES
Total deposits $ 515.65 million
      Interest-bearing deposits $ 430.73 million
      Deposits held in domestic offices $ 515.65 million
      % insured (estimated) 75.20%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 4.00 million
Subordinated debt N.A.
All other liabilities $ 9.10 million
      Total Liabilities $ 528.74 million
      Shareholders’ Equity $ 75.42 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 7.03 million
Total Interest Expense $ 1.33 million
Net interest income $ 5.70 million
Provision for loan and lease losses $ 0.25 million
Total non interest income $ 0.82 million
Total non interest expense $ 3.13 million
Pre-tax Net Operating Income $ 3.14 million

Bank Loan Profile?

The top three loan types in Bank of Wisconsin Dells’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and 1-4 Family Residential Loans.

Compared to other banks in Wisconsin, Bank of Wisconsin Dells has a significantly higher percent of Construction and Development Loans, Commercial Real Estate 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 9.66
Multifamily
Mortgages
2.64
Credit Card Loans 0.00
Consumer Auto Loans 0.04
Small Business Loans 0.00
Construction and Development Loans 13.56
Commercial Real Estate 67.30
Commercial and Industrial Loans 7.36
Farm Loans 0.13

Frequently Asked Questions About Bank Of Wisconsin Dells

Branches and Savings

Is Bank Of Wisconsin Dells FDIC insured?

Yes. It is covered under FDIC Certificate #15136.

Why does Bank Of Wisconsin Dells 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 Wisconsin Dells CD rates not competitive?

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

Is Bank Of Wisconsin Dells a commercial bank?

Yes

Where are Bank Of Wisconsin Dells locations?

See branch locations nearby.

Is Bank Of Wisconsin Dells open on Saturdays?

Is Bank Of Wisconsin Dells open on Sundays?

What time does Bank Of Wisconsin Dells open?

What time does Bank Of Wisconsin Dells close?

Are Bank Of Wisconsin Dells ATMs Open 24/7?

Do Bank Of Wisconsin Dells ATMs accept cash deposits?

Can Bank Of Wisconsin Dells customers use other ATMs?

Do Bank Of Wisconsin Dells branches have notaries?

Will Bank Of Wisconsin Dells notarize my document?

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

Will the Bank Of Wisconsin Dells branch print checks?

Do Bank Of Wisconsin Dells checks expire?

Does Bank Of Wisconsin Dells require US citizenship to open account?

Can Bank Of Wisconsin Dells close my account?

Does Bank Of Wisconsin Dells Report to credit bureaus?

Does Bank Of Wisconsin Dells Use Equifax?

What is Bank Of Wisconsin Dells's ACH Routing Number?

What is Bank Of Wisconsin Dells's SWIFT code?

Products

Does Bank Of Wisconsin Dells offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bank Of Wisconsin Dells offer personal loans?

Compare personal loan rates here.

Does Bank Of Wisconsin Dells offer student loans?

Will Bank Of Wisconsin Dells cash a check?

Will Bank Of Wisconsin Dells redeem a savings bond?

Does Bank Of Wisconsin Dells cash savings bonds?

Will Bank Of Wisconsin Dells cash money orders?

Can Bank Of Wisconsin Dells issue a money order?

Does Bank Of Wisconsin Dells do currency exchange?

Background on The Bank

Who owns Bank Of Wisconsin Dells?

How long has Bank Of Wisconsin Dells been around?

Can Bank Of Wisconsin Dells transfer to other banks?

Does Bank Of Wisconsin Dells have quick pay?

Does Bank Of Wisconsin Dells accept rolled coins?

Will Bank Of Wisconsin Dells accept loose change?

Where is Bank Of Wisconsin Dells headquarters?

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