Community Bank of Northern Wisconsin

Headquarters

1204 West Knapp Street
Rice Lake, WI 54868
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 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

Community Bank of Northern Wisconsin is an FDIC insured institution located in Rice Lake, WI. It was founded in 1919 and has approximately $0.15 billion in assets.

FDIC Insured Yes
FDIC Certificate # 6196
Date Established 1919
Assets $ 158.03 million
Loans $ 107.12 million
Deposits $ 137.61 million
Capital $ 16.18 million
 

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

Deposit Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Community Bank of Northern Wisconsin

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




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Note to Community Bank of Northern Wisconsin
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Branches

Community Bank of Northern Wisconsin 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:
Fairfield,Connecticut


Community Bank of Northern Wisconsin Locations


Financial Details

Community Bank of Northern Wisconsin Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community Bank of Northern Wisconsin. 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
Community Bank of Northern Wisconsin U.S. Bank Average
19.34% 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, Community Bank of Northern Wisconsin had $3,248,000 in non-current loans and $263,000 in owned real estate. To cover these potential losses it had $16,176,000 in equity and $1,977,000 in loans loss reserves. That gives it a Texas Ratio of 19.34%.

Return on Equity
Community Bank of Northern Wisconsin U.S. Bank Average
7.52% 7.80%

Community Bank of Northern Wisconsin has a Return on Equity of 7.52% 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
Community Bank of Northern Wisconsin U.S. Bank Average
10.24% 12.68%

Community Bank of Northern Wisconsin has a Capitalization of 10.24% 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.

Community Bank of Northern Wisconsin Balance Sheet Analysis

As of March 31, 2015, Community Bank of Northern Wisconsin had assets of $153,905,000, loans of $107,118,000, and deposits of $137,609,000. 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 N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 107.12 million
Loan loss allowance $ 1.98 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.26 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 137.61 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 $ 158.03 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
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 Community Bank of Northern Wisconsin’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Wisconsin, Community Bank of Northern 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.30
Multifamily
Mortgages
1.13
Credit Card Loans 0.00
Consumer Auto Loans 0.22
Small Business Loans 15.24
Construction and Development Loans 6.90
Commercial Real Estate 22.84
Commercial and Industrial Loans 6.79
Farm Loans 5.33

Frequently Asked Questions About Community Bank Of Northern Wisconsin

Branches and Savings

Is Community Bank Of Northern Wisconsin FDIC insured?

Yes. It is covered under FDIC Certificate #6196.

Why does Community Bank Of Northern Wisconsin pay such low interest on savings accounts?

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

Why are Community Bank Of Northern Wisconsin CD rates not competitive?

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

Is Community Bank Of Northern Wisconsin a commercial bank?

Yes

Where are Community Bank Of Northern Wisconsin locations?

See branch locations nearby.

Is Community Bank Of Northern Wisconsin open on Saturdays?

Is Community Bank Of Northern Wisconsin open on Sundays?

What time does Community Bank Of Northern Wisconsin open?

What time does Community Bank Of Northern Wisconsin close?

Are Community Bank Of Northern Wisconsin ATMs Open 24/7?

Do Community Bank Of Northern Wisconsin ATMs accept cash deposits?

Can Community Bank Of Northern Wisconsin customers use other ATMs?

Do Community Bank Of Northern Wisconsin branches have notaries?

Will Community Bank Of Northern Wisconsin notarize my document?

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

Will the Community Bank Of Northern Wisconsin branch print checks?

Do Community Bank Of Northern Wisconsin checks expire?

Does Community Bank Of Northern Wisconsin require US citizenship to open account?

Can Community Bank Of Northern Wisconsin close my account?

Does Community Bank Of Northern Wisconsin Report to credit bureaus?

Does Community Bank Of Northern Wisconsin Use Equifax?

What is Community Bank Of Northern Wisconsin's ACH Routing Number?

What is Community Bank Of Northern Wisconsin's SWIFT code?

Products

Does Community Bank Of Northern Wisconsin offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Community Bank Of Northern Wisconsin offer personal loans?

Compare personal loan rates here.

Does Community Bank Of Northern Wisconsin offer student loans?

Will Community Bank Of Northern Wisconsin cash a check?

Will Community Bank Of Northern Wisconsin redeem a savings bond?

Does Community Bank Of Northern Wisconsin cash savings bonds?

Will Community Bank Of Northern Wisconsin cash money orders?

Can Community Bank Of Northern Wisconsin issue a money order?

Does Community Bank Of Northern Wisconsin do currency exchange?

Background on The Bank

Who owns Community Bank Of Northern Wisconsin?

How long has Community Bank Of Northern Wisconsin been around?

Can Community Bank Of Northern Wisconsin transfer to other banks?

Does Community Bank Of Northern Wisconsin have quick pay?

Does Community Bank Of Northern Wisconsin accept rolled coins?

Will Community Bank Of Northern Wisconsin accept loose change?

Where is Community Bank Of Northern Wisconsin headquarters?

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