Bank of Lake Mills
Capital moved notably last quarter — CET1 ratio of 11.32% was down 122bps from the prior quarter. Bank of Lake Mills is a locally rooted FDIC-insured community bank based in Lake Mills, WI, during the post-Reconstruction banking expansion. On its most recent Q1 2026 call report, Bank of Lake Mills reported $530M in total assets against $401M in deposits. Profitability runs below industry average — 0.07% ROA, 0.74% ROE, with NIM at 6.09%. Capital is comfortably above regulatory minimums — CET1 ratio of 11.32% sits well above the 7% well-capitalized threshold. Credit metrics are in line with industry norms — 0.54% NPL ratio. 2 branches make up the footprint.
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
- Fed District
- 9
- Established
- January 1, 1893
- Branches
- 2 domestic
- Employees (FTE)
- 39
- FDIC Cert
- 8695
- Fed RSSD
- 477349
- Website
- www.bankoflakemills.com →
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Bank of Lake Mills rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Bank of Lake Mills
What are Bank of Lake Mills's total assets?
As of the Q1 2026 filing, Bank of Lake Mills reported total assets of $530.1 million in its most recent 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 required of all FDIC-insured commercial banks.
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 11.32% in its most recent quarterly filing — above regulatory minimums.
How many branches does Bank of Lake Mills operate?
Bank of Lake Mills operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Bank of Lake Mills's Texas Ratio?
Bank of Lake Mills's Texas Ratio is 4.61% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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