Bank of Ontario
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Data as of · sourced from FFIEC call reports. How we update
Bank of Ontario is an FDIC-insured commercial bank headquartered in Ontario, WI, established in 1911 (FDIC certificate 21085), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $76.5M, down 6.5% from Q2 2025, the 148th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.07% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21085
- Headquarters
- Ontario, WI
- Established
- 1911
- Total assets, Q2 2026
- $76.5M
- Assets vs Q2 2025
- -6.5%
- Tier 1 leverage ratio, Q2 2026
- 11.07%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 075907743
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Ontario call report
- Holding company
- ONTARIO BANCORPORATION, INC.
- Asset rank in state
- 148th of 153 in Wisconsin
Problem loans are rising at Bank of Ontario. It reported $76 million in assets at June 30, 2026, down 6.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 11.17% of loans from 4.05% a year earlier. It carries problem assets equal to 59.5% of the capital and reserves that would absorb them, 43.1 times the median of 1.4% for the 583 banks with less than $100 million in assets. On the other hand, it keeps 5.03 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.87 cents).
Earnings jumped: net income for the quarter was $267,000, 67% above the same quarter a year earlier. The commercial and industrial book ($8.5 million) is worsening: 28.48% of it is past due or on nonaccrual, up from 14.64% a year earlier. Funding is the softer spot: it pays an average of 2.08% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
As of June 30, 2026, Bank of Ontario reported a return on assets of 1.36%, a nonperforming-loan ratio of 11.17% and a Texas ratio of 59.51%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Ontario is the 148th largest of the 153 banks headquartered in Wisconsin. From Q1 2026 to Q2 2026, its total assets fell 2.0% to $76.5M, loans fell 0.8% and deposits fell 0.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 34.7% of total loans, followed by farmland and other real estate loans at 21.8%. The FDIC Summary of Deposits lists 3 offices for it, in Ontario, WI, Genoa, WI and Westby, WI; its Ontario office books 60% of its branch deposits. Judged on its Q2 2026 call report, Bank of Ontario meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 315 Main St, Ontario, WI 54651
- County
- Vernon
- Metro Area
- La Crosse-Onalaska, WI-MN
- 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
- September 23, 1911
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $67.4M
- Allowance for credit losses
- $3.7M
- Net charge-offs (YTD)
- -$291K
- Average total assets
- $78.5M
- Average total loans
- $65.4M
- Average interest-bearing deposits
- $53.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 15, 1973
- FDIC Cert
- 21085
- Fed RSSD
- 37341
- Website
- www.myvernoncountybank.com →
- Parent Holding Company
- ONTARIO BANCORPORATION, INC. (RSSD 1209592)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Bank of Ontario reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank of Ontario's total assets moved between a low of $76.5M (Q2 2026) and a high of $83.6M (Q3 2024) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$76.5M total assets against $81.8M; $68.0M total liabilities against $71.5M.
$61.5M net loans and leases against $64.6M; $67.4M total deposits against $68.9M.
$6.2M securities against $5.8M; $5.6M cash and balances due against $7.8M.
$1.3M total interest income against $1.3M; $354K total interest expense against $402K.
$978K net interest income against $884K.
$78K total noninterest income against $94K; $613K total noninterest expense against $643K.
$180K provision for credit losses against $175K.
$267K net income against $160K.
1.36% return on assets against 0.81%; 5.03% net interest margin against 4.68%.
11.07% tier 1 leverage ratio against 13.34%.
Inside the full Bank of Ontario 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.
Non-performing assets exceed half of the bank's capital plus reserves. Worth monitoring, not yet at the historical failure-risk threshold. BankRegReports early-warning band below the 100% heuristic.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -10.83% (Q3 2025) to 2.67% (Q3 2024) and its net interest margin ran from 4.47% (Q3 2025) to 5.63% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.07% | 1.36% | 11.17% | 59.51% | 5.03% |
| Q1 2026 | 11.07% | 0.78% | 12.35% | 67.80% | 4.56% |
| Q4 2025 | 10.73% | 1.51% | 11.97% | 69.09% | 4.84% |
| Q3 2025 | 10.18% | -10.83% | 11.93% | 69.59% | 4.47% |
| Q2 2025 | 13.34% | 0.81% | 6.50% | 23.08% | 4.68% |
| Q1 2025 | 13.23% | 1.76% | 5.04% | 27.10% | 5.13% |
| Q4 2024 | 12.83% | 2.62% | 3.31% | 20.37% | 5.63% |
| Q3 2024 | 12.36% | 2.67% | 3.44% | 21.67% | 5.55% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 Ontario (main office) | Ontario , WI | 54651 | $40.5M |
| Genoa Branch | Genoa , WI | 54632 | $21.3M |
| Westby Branch | Westby , WI | 54667 | $5.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 21, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 21, 1994 | Structure Change | Acquired Genoa State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, ONTARIO BANCORPORATION, INC., not the bank itself
- September 24, 2026, Federal Reserve: Written Agreement: Ontario Bancorporation, Inc., Ontario, Wisconsin
- Period: Most recent institution action September 24, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in WI, rank 169 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $30K approved, $30K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1993 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Bank of Ontario
What are Bank of Ontario's total assets?
As of the Q2 2026 filing, Bank of Ontario reported total assets of $76.5 million in its FFIEC call report.
Where is Bank of Ontario headquartered?
It is headquartered in Ontario, WI, United States.
When was Bank of Ontario founded?
It was established in 1911, per the FDIC institution directory.
Is Bank of Ontario FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21085). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Ontario?
Bank of Ontario's primary federal regulator is the FDIC.
How many branches does Bank of Ontario operate?
It operates 3 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 Ontario's Texas Ratio?
Its Texas Ratio is 59.51% in its Q2 2026 call report, elevated, credit issues exceed half of the bank's capital cushion (50 to 100%). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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