Bank of Lake Mills: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Bank of Lake Mills is one of the more profitable banks of its size. The Lake Mills, Wisconsin bank had $534 million in assets at June 30, 2026, up 35.1% from a year earlier. It earns about $4.37 a year on every $100 of assets, 3.4 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 29 cents to bring in each dollar of revenue, about half the median of 61 cents for banks its size.
Earnings jumped: net income for the quarter was $5.9 million, 89% above the same quarter a year earlier. Over the same year, loans grew 43.5% and deposits grew 32.6%. Funding is the softer spot: it pays an average of 2.95% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, Bank of Lake Mills reported a CET1 capital ratio of 12.81%, a return on assets of 4.37%, a nonperforming-loan ratio of 0.69% and a Texas ratio of 5.35%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 136 E Madison St, Lake Mills, WI 53551
- County
- Jefferson
- Metro Area
- Watertown-Fort Atkinson, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1893
- Offices
- 2 domestic
- Employees (FTE)
- 39
- Domestic deposits
- $432.3M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $10K
- Average total assets
- $536.2M
- Average total loans
- $468.1M
- Average interest-bearing deposits
- $349.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1934
- FDIC Cert
- 8695
- Fed RSSD
- 477349
- Website
- www.bankoflakemills.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. Net interest margin is the UBPR's tax-equivalent figure over the UBPR's own average earning assets. FDIC BankFind's is not tax-equivalent and divides by the average of quarter-end earning assets including the prior year-end, so after a merger FDIC's margin can differ from ours by several tenths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank of Lake Mills terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of Lake Mills, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Bank of Lake Mills rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Bank of Lake Mills: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.81% | 4.37% | 0.69% | 5.35% | 6.76% |
| Q1 2026 | 11.32% | 0.07% | 0.55% | 4.61% | 6.09% |
| Q4 2025 | 12.54% | 1.84% | 1.05% | 7.78% | 5.13% |
| Q3 2025 | 13.78% | 2.55% | 0.91% | 7.17% | 5.36% |
| Q2 2025 | 17.27% | 2.76% | 0.76% | 4.88% | 5.31% |
| Q1 2025 | 12.63% | 2.81% | 0.16% | 1.40% | 5.19% |
| Q4 2024 | 14.60% | 1.87% | 0.17% | 1.30% | 4.50% |
| Q3 2024 | 13.82% | 1.44% | 0.07% | 0.59% | 3.90% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Lake Mills (main office) | Lake Mills , WI | 53551 | $339.3M |
| Watertown Branch | Watertown , WI | 53094 | $93.0M |
Regulatory record
What the public regulatory sources show for Bank of Lake Mills, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in WI, rank 71 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $60K approved, $60K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bank of Lake Mills
What are Bank of Lake Mills's total assets?
As of the Q2 2026 filing, Bank of Lake Mills reported total assets of $533.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Lake Mills headquartered?
Bank of Lake Mills is headquartered in Lake Mills, WI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Bank of Lake Mills founded?
Bank of Lake Mills was established in 1893, per the FDIC institution directory.
Is Bank of Lake Mills FDIC-insured?
Yes. Bank of Lake Mills is an FDIC-insured commercial bank (FDIC Certificate #8695). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Lake Mills?
Bank of Lake Mills's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Lake Mills's CET1 capital ratio?
Bank of Lake Mills reported a Common Equity Tier 1 (CET1) capital ratio of 12.81% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of Lake Mills operate?
Bank of Lake Mills operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Lake Mills's Texas Ratio?
Bank of Lake Mills's Texas Ratio is 5.35% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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