BLACK RIVER COUNTRY BANK

BLACK RIVER FALLS, WI | Small | Est. Jan. 1, 1907, midnight | FDIC #15152 | RSSD #603540 | FDIC
Latest Report: 2025-12-31

BLACK RIVER COUNTRY BANK is asn small FDIC-insured commercial bank headquartered in BLACK RIVER FALLS, WI, established in Jan. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $103M and total deposits of $88M. Profitability stands at 1.54% ROA and 20.66% ROE, with a net interest margin of 4.16%. The bank's CET1 capital ratio is 12.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.33% and a Texas Ratio of 3.00%. FDIC Certificate #15152.

Assets

$103M

Deposits

$88M

Loans

$77M

Equity

$7M

Profitability

Return on Assets (ROA) 1.54%
Return on Equity (ROE) 20.66%
Net Interest Margin (NIM) 4.16%
Yield on Assets 5.72%
Cost of Funds 1.85%

Asset Quality

NPL Ratio 0.33%
Net Charge-Off Ratio --
Texas Ratio 3.00%
NPA Ratio 0.25%
ACL / Loans 1.59%

Capital & Liquidity

CET1 Ratio 12.14%
Tier 1 Capital 12.14%
Total Capital Ratio 13.39%
Leverage Ratio 8.71%
Loan-to-Deposit 87.05%

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