Bank of Wisconsin Dells
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Data as of · sourced from FFIEC call reports. How we update
Bank of Wisconsin Dells is an FDIC-insured commercial bank headquartered in Wisconsin Dells, WI, established in 1910 (FDIC certificate 15136), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.08B, up 7.5% from Q2 2025, the 25th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 12.97% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15136
- Headquarters
- Wisconsin Dells, WI
- Established
- 1910
- Total assets, Q2 2026
- $1.08B
- Assets vs Q2 2025
- +7.5%
- CET1 ratio, Q2 2026
- 12.97%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 075903394
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Wisconsin Dells call report
- Holding company
- DELLS BANCSHARES, INC.
- Asset rank in state
- 25th of 153 in Wisconsin
Bank of Wisconsin Dells runs leaner than most banks of its size. It reported $1.1 billion in assets at June 30, 2026, up 7.5% from a year earlier. It spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it holds commercial real estate loans worth 3.8 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
Net income for the quarter rose 21% from a year earlier, to $4.6 million. Over the same year, loans grew 7.4% and deposits grew 11.8%. Funding is the softer spot: it holds about half of its deposits (46%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Bank of Wisconsin Dells reported a CET1 capital ratio of 12.97%, a return on assets of 1.73%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.56%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Wisconsin Dells is the 25th largest of the 153 banks headquartered in Wisconsin. Between Q1 2026 and Q2 2026, its total assets rose 0.6% to $1.08B, loans rose 3.1% and deposits rose 1.0%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 40.2% of total loans, followed by construction and land development loans at 20.9%. Its 3 offices in the FDIC Summary of Deposits are in Wisconsin Dells, WI and Portage, WI; its Wisconsin Dells 2 offices book 88% of its branch deposits. On its Q2 2026 call report, Bank of Wisconsin Dells meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 716 Superior St, Wisconsin Dells, WI 53965
- County
- Columbia
- 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
- February 26, 1910
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 98
- Domestic deposits
- $927.8M
- Allowance for credit losses
- $14.3M
- Net charge-offs (YTD)
- -$31K
- Average total assets
- $1.08B
- Average total loans
- $837.7M
- Average interest-bearing deposits
- $753.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 15136
- Fed RSSD
- 894348
- SEC CIK
- 1157655 → filed by DELLS BANCSHARES, INC.
- Website
- www.dellsbank.bank →
- Parent Holding Company
- DELLS BANCSHARES, INC. (RSSD 3059746)
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
From Q3 2023 to Q2 2026, Bank of Wisconsin Dells's total assets ranged from $939.9M (Q3 2023) to $1.08B (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
$1.08B total assets against $1.00B; $958.2M total liabilities against $896.2M.
$830.1M net loans and leases against $773.5M; $927.8M total deposits against $830.3M.
$176.2M securities against $170.2M; $26.9M cash and balances due against $15.2M.
$15.5M total interest income against $14.4M; $6.0M total interest expense against $5.9M.
$9.5M net interest income against $8.5M.
$1.3M total noninterest income against $1.1M; $4.5M total noninterest expense against $4.3M.
$125K provision for credit losses against $225K.
$4.6M net income against $3.8M.
1.73% return on assets against 1.52%; 3.70% net interest margin against 3.48%.
12.97% CET1 capital ratio against 12.63%; 12.12% tier 1 leverage ratio against 11.74%.
Inside the full Bank of Wisconsin Dells 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Bank of Wisconsin Dells rankings
Its closest position to the top of a national ranking is 243 of 3,606, for efficiency ratio; its furthest is 2,920 of 3,640, for Texas Ratio.
Metric pages for Bank of Wisconsin Dells: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.34% (Q4 2024) to 1.84% (Q3 2025) and its net interest margin ran from 2.93% (Q3 2024) to 3.83% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.97% | 1.73% | 0.09% | 0.56% | 3.70% |
| Q1 2026 | 12.72% | 1.77% | 0.10% | 0.61% | 3.67% |
| Q4 2025 | 12.45% | 1.47% | 0.12% | 0.77% | 3.83% |
| Q3 2025 | 13.02% | 1.84% | 0.12% | 0.78% | 3.76% |
| Q2 2025 | 12.63% | 1.52% | 0.14% | 0.94% | 3.48% |
| Q1 2025 | 12.49% | 1.50% | 0.13% | 0.89% | 3.18% |
| Q4 2024 | 12.23% | 1.34% | 0.14% | 0.97% | 3.18% |
| Q3 2024 | 12.73% | 1.34% | 0.15% | 0.97% | 2.93% |
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 Wisconsin Dells (main office) | Wisconsin Dells , WI | 53965 | $553.4M |
| Lake Delton Branch | Wisconsin Dells , WI | 53965 | $260.6M |
| Portage Branch | Portage , WI | 53901 | $113.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in WI, rank 33 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 57 applications, 39 loans originated, $12.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $240K approved, $80K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Wisconsin Dells
What are Bank of Wisconsin Dells's total assets?
As of the Q2 2026 filing, Bank of Wisconsin Dells reported total assets of $1.08 billion in its FFIEC call report.
Where is Bank of Wisconsin Dells headquartered?
It is headquartered in Wisconsin Dells, WI, United States.
When was Bank of Wisconsin Dells founded?
It was established in 1910, per the FDIC institution directory.
Is Bank of Wisconsin Dells FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15136). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Wisconsin Dells?
Bank of Wisconsin Dells's primary federal regulator is the FDIC.
What is Bank of Wisconsin Dells's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.97% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of Wisconsin Dells 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 Wisconsin Dells's Texas Ratio?
Its Texas Ratio is 0.56% 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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