BANK OF LAKE MILLS

LAKE MILLS, WI | Small | Est. Jan. 1, 1893, midnight | FDIC #8695 | RSSD #477349 | FDIC
Latest Report: 2025-12-31

BANK OF LAKE MILLS is asn small FDIC-insured commercial bank headquartered in LAKE MILLS, WI, established in Jan. 1, 1893, midnight. As of 2025-12-31, the bank reported total assets of $498M and total deposits of $407M. Profitability stands at 1.79% ROA and 17.25% ROE, with a net interest margin of 5.18%. The bank's CET1 capital ratio is 12.30%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.70% and a Texas Ratio of 5.33%. FDIC Certificate #8695.

Assets

$498M

Deposits

$407M

Loans

$428M

Equity

$54M

Profitability

Return on Assets (ROA) 1.79%
Return on Equity (ROE) 17.25%
Net Interest Margin (NIM) 5.18%
Yield on Assets 7.91%
Cost of Funds 2.87%

Asset Quality

NPL Ratio 0.70%
Net Charge-Off Ratio --
Texas Ratio 5.33%
NPA Ratio 0.60%
ACL / Loans 0.51%

Capital & Liquidity

CET1 Ratio 12.30%
Tier 1 Capital 12.30%
Total Capital Ratio 12.79%
Leverage Ratio 11.53%
Loan-to-Deposit 104.98%

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