Wisconsin River Bank

Headquarters

608 Phillips Boulevard
Sauk City, WI 53583
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 0.91% →
1-Year CD 0.55% 0.85% →
2-Year CD 0.65% 0.95% →
5-Year CD 0.95% 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Wisconsin River Bank is an FDIC insured institution located in Sauk City, WI. It was founded in 1994 and has approximately $0.15 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 33880
Date Established 1994
Assets $ 146.91 million
Loans $ 118.13 million
Deposits $ 113.64 million
Capital $ 15.51 million
 

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

Deposit Rates - December 1, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Savings
0.25% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.40% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.35% $10,000 $14,999 Learn More
3 Mo CD
0.40% $100,000 $199,999 Learn More
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.45% $100,000 $199,999 Learn More
12 Mo CD
0.45% $10,000 $14,999 Learn More
12 Mo CD
0.55% $100,000 $199,999 Learn More
18 Mo CD
0.45% $10,000 $14,999 Learn More
18 Mo CD
0.55% $100,000 $199,999 Learn More
24 Mo CD
0.60% $10,000 $14,999 Learn More
24 Mo CD
0.65% $100,000 $199,999 Learn More
36 Mo CD
0.65% $10,000 $14,999 Learn More
36 Mo CD
0.75% $100,000 $199,999 Learn More
60 Mo CD
0.85% $10,000 $14,999 Learn More
60 Mo CD
0.95% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - December 1, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Wisconsin River Bank

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




Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Hart West Financial Inc.
NMLS ID: 116830
2.294% 2.250% 0.63 $1,472 $956 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Wisconsin River Bank
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Branches

Wisconsin River Bank 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:
Seattle,Washington


Wisconsin River Bank Locations


Financial Details

Wisconsin River Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Wisconsin River Bank. 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
Wisconsin River Bank U.S. Bank Average
24.4% 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, Wisconsin River Bank had $2,469,000 in non-current loans and $1,825,000 in owned real estate. To cover these potential losses it had $15,508,000 in equity and $2,092,000 in loans loss reserves. That gives it a Texas Ratio of 24.4%.

Return on Equity
Wisconsin River Bank U.S. Bank Average
7.77% 7.80%

Wisconsin River Bank has a Return on Equity of 7.77% 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
Wisconsin River Bank U.S. Bank Average
10.56% 12.68%

Wisconsin River Bank has a Capitalization of 10.56% 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.

Wisconsin River Bank Balance Sheet Analysis

As of March 31, 2020, Wisconsin River Bank had assets of $146,907,000, loans of $118,132,000, and deposits of $113,640,000. 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 $ 7.45 million
Interest-bearing balances $ 5.10 million
Total securities $ 8.43 million
Federal funds sold and reverse repurchase $ 6.20 million
Net loans and leases $ 118.13 million
Loan loss allowance $ 2.09 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.83 million
Goodwill and other intangibles N.A.
All other assets $ 1.94 million
     Total Assets $ 131.40 million
LIABILITIES
Total deposits $ 113.64 million
      Interest-bearing deposits $ 94.23 million
      Deposits held in domestic offices $ 113.64 million
      % insured (estimated) 83.27%
Federal funds purchased and repurchase agreements $ 2.55 million
Trading liabilities N.A.
Other borrowed funds $ 14.00 million
Subordinated debt N.A.
All other liabilities $ 1.21 million
      Total Liabilities $ 131.40 million
      Shareholders’ Equity $ 15.51 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.63 million
Total Interest Expense $ 0.54 million
Net interest income $ 1.09 million
Provision for loan and lease losses $ 0.06 million
Total non interest income $ 0.11 million
Total non interest expense $ 0.79 million
Pre-tax Net Operating Income $ 0.36 million

Bank Loan Profile?

The top three loan types in Wisconsin River Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks in Wisconsin, Wisconsin River Bank has a significantly higher percent of Multifamily Mortgages, Construction and Development 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 39.37
Multifamily
Mortgages
15.12
Credit Card Loans 0.00
Consumer Auto Loans 0.27
Small Business Loans 0.00
Construction and Development Loans 11.43
Commercial Real Estate 22.64
Commercial and Industrial Loans 4.14
Farm Loans 0.45

Frequently Asked Questions About Wisconsin River Bank

Branches and Savings

Is Wisconsin River Bank FDIC insured?

Yes. It is covered under FDIC Certificate #33880.

Why does Wisconsin River Bank pay such low interest on savings accounts?

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

Why are Wisconsin River Bank CD rates not competitive?

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

Is Wisconsin River Bank a commercial bank?

Yes

Where are Wisconsin River Bank locations?

See branch locations nearby.

Is Wisconsin River Bank open on Saturdays?

Is Wisconsin River Bank open on Sundays?

What time does Wisconsin River Bank open?

What time does Wisconsin River Bank close?

Are Wisconsin River Bank ATMs Open 24/7?

Do Wisconsin River Bank ATMs accept cash deposits?

Can Wisconsin River Bank customers use other ATMs?

Do Wisconsin River Bank branches have notaries?

Will Wisconsin River Bank notarize my document?

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

Will the Wisconsin River Bank branch print checks?

Do Wisconsin River Bank checks expire?

Does Wisconsin River Bank require US citizenship to open account?

Can Wisconsin River Bank close my account?

Does Wisconsin River Bank Report to credit bureaus?

Does Wisconsin River Bank Use Equifax?

What is Wisconsin River Bank's ACH Routing Number?

What is Wisconsin River Bank's SWIFT code?

Products

Does Wisconsin River Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Wisconsin River Bank offer personal loans?

Compare personal loan rates here.

Does Wisconsin River Bank offer student loans?

Will Wisconsin River Bank cash a check?

Will Wisconsin River Bank redeem a savings bond?

Does Wisconsin River Bank cash savings bonds?

Will Wisconsin River Bank cash money orders?

Can Wisconsin River Bank issue a money order?

Does Wisconsin River Bank do currency exchange?

Background on The Bank

Who owns Wisconsin River Bank?

How long has Wisconsin River Bank been around?

Can Wisconsin River Bank transfer to other banks?

Does Wisconsin River Bank have quick pay?

Does Wisconsin River Bank accept rolled coins?

Will Wisconsin River Bank accept loose change?

Where is Wisconsin River Bank headquarters?

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