BANK OF ONTARIO

ONTARIO, WI | Micro | Est. Sept. 23, 1911, midnight | FDIC #21085 | RSSD #37341 | FDIC
Latest Report: 2025-12-31

BANK OF ONTARIO is amn micro FDIC-insured commercial bank headquartered in ONTARIO, WI, established in Sept. 23, 1911, midnight. As of 2025-12-31, the bank reported total assets of $82M and total deposits of $68M. Profitability stands at 2.30% ROA and 17.38% ROE, with a net interest margin of 5.23%. The bank's CET1 capital ratio is 13.31%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 8.61% and a Texas Ratio of 47.97%. FDIC Certificate #21085.

Assets

$82M

Deposits

$68M

Loans

$66M

Equity

$11M

Profitability

Return on Assets (ROA) 2.30%
Return on Equity (ROE) 17.38%
Net Interest Margin (NIM) 5.23%
Yield on Assets 7.28%
Cost of Funds 2.76%

Asset Quality

NPL Ratio 8.61%
Net Charge-Off Ratio 0.82%
Texas Ratio 47.97%
NPA Ratio 7.02%
ACL / Loans 1.62%

Capital & Liquidity

CET1 Ratio 13.31%
Tier 1 Capital 13.31%
Total Capital Ratio 13.98%
Leverage Ratio 13.83%
Loan-to-Deposit 97.57%

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