The Bank of Deerfield
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Deerfield is an FDIC-insured commercial bank headquartered in Deerfield, WI, established in 1887 (FDIC certificate 2477), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $268.3M, up 12.5% from Q2 2025, the 105th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 12.95% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2477
- Headquarters
- Deerfield, WI
- Established
- 1887
- Total assets, Q2 2026
- $268.3M
- Assets vs Q2 2025
- +12.5%
- CET1 ratio, Q2 2026
- 12.95%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 075905004
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of Deerfield call report
- Holding company
- DEERFIELD FINANCIAL CORPORATION
- Asset rank in state
- 105th of 153 in Wisconsin
The Bank of Deerfield pays more for its money than most banks of its size. The Deerfield, Wisconsin bank had $268 million in assets at June 30, 2026, up 12.5% from a year earlier. It pays an average of 2.78% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also grew deposits 13.6% over the year, about triple the median of 4.0% for banks its size.
As of June 30, 2026, The Bank of Deerfield reported a CET1 capital ratio of 12.95%, a return on assets of 1.47%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 1.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Bank of Deerfield is the 105th largest of the 153 banks headquartered in Wisconsin. From Q1 2026 to Q2 2026, its total assets rose 2.6% to $268.3M, loans fell 0.6% and deposits rose 3.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 52.8% of total loans, followed by construction and land development loans at 12.3%. The FDIC Summary of Deposits lists 2 offices for it, in Deerfield, WI. Judged on its Q2 2026 call report, The Bank of Deerfield meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 15 S Main St, Deerfield, WI 53531
- County
- Dane
- Metro Area
- Madison, 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 051
- Established
- January 1, 1887
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $230.5M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $265.9M
- Average total loans
- $235.5M
- Average interest-bearing deposits
- $192.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2477
- Fed RSSD
- 588245
- Website
- www.bankofdeerfield.bank →
- Parent Holding Company
- DEERFIELD FINANCIAL CORPORATION (RSSD 1416738)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The Bank of Deerfield's total assets moved between a low of $218.4M (Q3 2023) and a high of $268.3M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$268.3M total assets against $238.5M; $240.4M total liabilities against $213.4M.
$231.0M net loans and leases against $208.6M; $230.5M total deposits against $202.8M.
$12.5M securities against $11.9M; $12.6M cash and balances due against $5.9M.
$4.2M total interest income against $4.1M; $1.6M total interest expense against $1.6M.
$2.6M net interest income against $2.5M.
$239K total noninterest income against $231K; $1.8M total noninterest expense against $1.6M.
$60K provision for credit losses against $45K.
$977K net income against $1.1M.
1.47% return on assets against 1.81%; 4.12% net interest margin against 4.45%.
12.95% CET1 capital ratio against 12.22%; 10.49% tier 1 leverage ratio against 10.68%.
Inside the full The Bank of Deerfield terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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.
The Bank of Deerfield rankings
Its closest position to the top of a national ranking is 1,375 of 3,611, for ROA; its furthest is 2,674 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.47% (Q2 2026) to 1.87% (Q4 2024) and its net interest margin ran from 3.81% (Q4 2024) to 4.45% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.95% | 1.47% | 0.13% | 1.00% | 4.12% |
| Q1 2026 | 12.93% | 1.63% | 0.12% | 0.96% | 4.04% |
| Q4 2025 | 12.46% | 1.55% | 0.12% | 0.94% | 4.22% |
| Q3 2025 | 12.66% | 1.69% | 0.12% | 0.92% | 4.09% |
| Q2 2025 | 12.22% | 1.81% | 0.13% | 1.00% | 4.45% |
| Q1 2025 | 13.17% | 1.56% | 0.30% | 2.30% | 3.89% |
| Q4 2024 | 12.53% | 1.87% | 0.44% | 3.46% | 3.81% |
| Q3 2024 | 13.00% | 1.56% | 0.44% | 3.54% | 3.91% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Deerfield | Deerfield , WI | 53531 | $208.5M |
| Shaul Lane Branch | Deerfield , WI | 53531 | $22.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in WI, rank 113 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.3M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of Deerfield
What are The Bank of Deerfield's total assets?
As of the Q2 2026 filing, The Bank of Deerfield reported total assets of $268.3 million in its FFIEC call report.
Where is The Bank of Deerfield headquartered?
It is headquartered in Deerfield, WI, United States.
When was The Bank of Deerfield founded?
It was established in 1887, per the FDIC institution directory.
Is The Bank of Deerfield FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2477). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Deerfield?
The Bank of Deerfield's primary federal regulator is the FDIC.
What is The Bank of Deerfield's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.95% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Bank of Deerfield operate?
It 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 The Bank of Deerfield's Texas Ratio?
Its Texas Ratio is 1.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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