Banks of Wisconsin


5117 Green Bay Road
Kenosha, WI 53144
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.10% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Banks of Wisconsin is an FDIC insured institution located in Kenosha, WI. It was founded in 2000 and has approximately $0.13 billion in assets.

FDIC Insured Yes
FDIC Certificate # 35386
Date Established 2000
Assets $ 134.02 million
Loans $ 82.58 million
Deposits $ 127.59 million
Capital $ 2.90 million

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

Deposit Rates - October 16, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - October 16, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Banks of Wisconsin

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 2021

Lender APR Rate (%) Monthly
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.820% 2.750%
0.88 points
$2,268 fees
$1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Banks of Wisconsin
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Financial Details

Banks of Wisconsin Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Banks of Wisconsin. 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
Banks of Wisconsin U.S. Bank Average
271.12% 4.78%

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 June 30, 2021, Banks of Wisconsin had $12,520,000 in non-current loans and $12,336,000 in owned real estate. To cover these potential losses it had $2,904,000 in equity and $6,264,000 in loans loss reserves. That gives it a Texas Ratio of 271.12%.

Return on Equity
Banks of Wisconsin U.S. Bank Average
-70.57% 11.29%

Banks of Wisconsin has a Return on Equity of -70.57% versus the BestCashCow average of 11.29%. 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.

Banks of Wisconsin U.S. Bank Average
2.17% 11.72%

Banks of Wisconsin has a Capitalization of 2.17% versus the BestCashCow average of 11.72. 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.

Banks of Wisconsin Balance Sheet Analysis

As of March 31, 2013, Banks of Wisconsin had assets of $134,024,000, loans of $82,580,000, and deposits of $127,590,000. 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, 2021
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 $ 82.58 million
Loan loss allowance $ 6.26 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 12.34 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 127.59 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 $ 134.02 million

Summary Income Statement

June 30, 2021
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 Banks of Wisconsin’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Wisconsin, Banks of Wisconsin 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 35.57
Credit Card Loans 0.00
Consumer Auto Loans 0.14
Small Business Loans 26.36
Construction and Development Loans 4.92
Commercial Real Estate 38.11
Commercial and Industrial Loans 14.67
Farm Loans 0.00

Frequently Asked Questions About Banks Of Wisconsin

Branches and Savings

Is Banks Of Wisconsin FDIC insured?

Yes. It is covered under FDIC Certificate #35386.

Why does Banks Of Wisconsin pay such low interest on savings accounts?

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

Why are Banks Of Wisconsin CD rates not competitive?

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

Is Banks Of Wisconsin a commercial bank?


Where are Banks Of Wisconsin locations?

See branch locations nearby.

Is Banks Of Wisconsin open on Saturdays?

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Will Banks Of Wisconsin notarize my document?

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

Will the Banks Of Wisconsin branch print checks?

Do Banks Of Wisconsin checks expire?

Does Banks Of Wisconsin require US citizenship to open account?

Can Banks Of Wisconsin close my account?

Does Banks Of Wisconsin Report to credit bureaus?

Does Banks Of Wisconsin Use Equifax?

What is Banks Of Wisconsin's ACH Routing Number?

What is Banks Of Wisconsin's SWIFT code?


Does Banks Of Wisconsin offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Banks Of Wisconsin offer personal loans?

Compare personal loan rates here.

Does Banks Of Wisconsin offer student loans?

Will Banks Of Wisconsin cash a check?

Will Banks Of Wisconsin redeem a savings bond?

Does Banks Of Wisconsin cash savings bonds?

Will Banks Of Wisconsin cash money orders?

Can Banks Of Wisconsin issue a money order?

Does Banks Of Wisconsin do currency exchange?

Background on The Bank

Who owns Banks Of Wisconsin?

How long has Banks Of Wisconsin been around?

Can Banks Of Wisconsin transfer to other banks?

Does Banks Of Wisconsin have quick pay?

Does Banks Of Wisconsin accept rolled coins?

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