Banner Banks


416 Main St.
Birnamwood, WI 54414
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.05% →
1-Year CD 0.75% 0.95% →
2-Year CD 0.80% 1.05% →
5-Year CD 1.00% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Banner Banks is an FDIC insured institution located in Birnamwood, WI. It was founded in 1900 and has approximately $0.1 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 10374
Date Established 1900
Assets $ 103.09 million
Loans $ 37.40 million
Deposits $ 90.15 million
Capital $ 12.74 million

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

Deposit Rates - September 18, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.05% $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
0.15% $25,000 $29,999 Learn More
3 Mo CD
0.20% $10,000 $14,999 Learn More
3 Mo CD
0.20% $100,000 $199,999 Learn More
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.80% $10,000 $14,999 Learn More
24 Mo CD
0.80% $100,000 $199,999 Learn More
36 Mo CD
0.60% $10,000 $14,999 Learn More
36 Mo CD
0.60% $100,000 $199,999 Learn More
48 Mo CD
0.95% $10,000 $14,999 Learn More
48 Mo CD
0.95% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.00% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.04% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 18, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Banner Banks

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
2.815% 2.750% 0.88 $2,120 $1,021 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 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
See Table
2.990 %
$0 Learn More
More Info

Note to Banner Banks
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Financial Details

Banner Banks Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Banner Banks. 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
Banner Banks U.S. Bank Average
9.11% 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, Banner Banks had $1,085,000 in non-current loans and $143,000 in owned real estate. To cover these potential losses it had $12,737,000 in equity and $739,000 in loans loss reserves. That gives it a Texas Ratio of 9.11%.

Return on Equity
Banner Banks U.S. Bank Average
10.42% 7.80%

Banner Banks has a Return on Equity of 10.42% 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.

Banner Banks U.S. Bank Average
12.35% 12.68%

Banner Banks has a Capitalization of 12.35% 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.

Banner Banks Balance Sheet Analysis

As of March 31, 2020, Banner Banks had assets of $103,094,000, loans of $37,399,000, and deposits of $90,149,000. 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 $ 19.65 million
Interest-bearing balances $ 17.97 million
Total securities $ 36.88 million
Federal funds sold and reverse repurchase $ 7.68 million
Net loans and leases $ 37.40 million
Loan loss allowance $ 0.74 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.14 million
Goodwill and other intangibles N.A.
All other assets $ 0.62 million
     Total Assets $ 90.36 million
Total deposits $ 90.15 million
      Interest-bearing deposits $ 71.16 million
      Deposits held in domestic offices $ 90.15 million
      % insured (estimated) 77.07%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.21 million
      Total Liabilities $ 90.36 million
      Shareholders’ Equity $ 12.74 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 0.76 million
Total Interest Expense $ 0.10 million
Net interest income $ 0.66 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.03 million
Total non interest expense $ 0.51 million
Pre-tax Net Operating Income $ 0.18 million

Bank Loan Profile?

The top three loan types in Banner Banks’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Banner Banks’s loan portfolio does not show any specific loan specialty.

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 13.55
Credit Card Loans 0.11
Consumer Auto Loans 0.28
Small Business Loans 0.00
Construction and Development Loans 2.59
Commercial Real Estate 30.50
Commercial and Industrial Loans 5.33
Farm Loans 4.69

Frequently Asked Questions About Banner Banks

Branches and Savings

Is Banner Banks FDIC insured?

Yes. It is covered under FDIC Certificate #10374.

Why does Banner Banks pay such low interest on savings accounts?

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

Why are Banner Banks CD rates not competitive?

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

Is Banner Banks a commercial bank?


Where are Banner Banks locations?

See branch locations nearby.

Is Banner Banks open on Saturdays?

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Are Banner Banks ATMs Open 24/7?

Do Banner Banks ATMs accept cash deposits?

Can Banner Banks customers use other ATMs?

Do Banner Banks branches have notaries?

Will Banner Banks notarize my document?

What address for Banner Banks should I put for incoming ACH transfers?

Will the Banner Banks branch print checks?

Do Banner Banks checks expire?

Does Banner Banks require US citizenship to open account?

Can Banner Banks close my account?

Does Banner Banks Report to credit bureaus?

Does Banner Banks Use Equifax?

What is Banner Banks's ACH Routing Number?

What is Banner Banks's SWIFT code?


Does Banner Banks offer mortgages?

Compare mortgage rates here.

Does Banner Banks offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Banner Banks offer personal loans?

Compare personal loan rates here.

Does Banner Banks offer student loans?

Will Banner Banks cash a check?

Will Banner Banks redeem a savings bond?

Does Banner Banks cash savings bonds?

Will Banner Banks cash money orders?

Can Banner Banks issue a money order?

Does Banner Banks do currency exchange?

Background on The Bank

Who owns Banner Banks?

How long has Banner Banks been around?

Can Banner Banks transfer to other banks?

Does Banner Banks have quick pay?

Does Banner Banks accept rolled coins?

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