Black River Country Bank
BankRegReports is independent of Black River Country Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Black River Country Bank is an FDIC-insured commercial bank headquartered in Black River Falls, WI, established in 1907 (FDIC certificate 15152), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $101.8M, up 1.6% from Q2 2025, the 141st largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 12.26% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15152
- Headquarters
- Black River Falls, WI
- Established
- 1907
- Total assets, Q2 2026
- $101.8M
- Assets vs Q2 2025
- +1.6%
- CET1 ratio, Q2 2026
- 12.26%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 075906032
- Latest call report
- Q2 2026, FFIEC 051 · Black River Country Bank call report
- Holding company
- BRAD, INC.
- Asset rank in state
- 141st of 153 in Wisconsin
Black River Country Bank operates with a thinner capital cushion than most banks of its size. Based in Black River Falls, Wisconsin, it had $102 million in assets at June 30, 2026, up 1.6% from a year earlier. It funds 8.94% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it returns 19.3% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.29% of loans, down from 0.43% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $1.7 million equal 18% of Tier 1 capital, down from 25% a year earlier.
As of June 30, 2026, Black River Country Bank reported a CET1 capital ratio of 12.26%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 2.55%. The figures come from its call report filed with the FFIEC.
Black River Country Bank ranks as the 141st largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.0% to $101.8M, loans rose 1.6% and deposits fell 0.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 39.7% of total loans, followed by farmland and other real estate loans at 23.6%. The FDIC Summary of Deposits lists 2 offices for it, in Black River Falls, WI and Melrose, WI; its Black River Falls office books 63% of its branch deposits. Judged on its Q2 2026 call report, Black River Country Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 221 Main St, Black River Falls, WI 54615
- County
- Jackson
- 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, 1907
- Former names
- Bank of Melrose (1973-1993)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $85.2M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $104.5M
- Average total loans
- $79.7M
- Average interest-bearing deposits
- $71.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 15152
- Fed RSSD
- 603540
- Website
- www.brcbank.com →
- Parent Holding Company
- BRAD, INC. (RSSD 1978656)
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
Over the 12 quarters to Q2 2026, Black River Country Bank's total assets ran between $97.8M (Q1 2025) and $103.2M (Q4 2025), 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
$101.8M total assets against $100.2M; $94.1M total liabilities against $93.2M.
$78.6M net loans and leases against $75.4M; $85.2M total deposits against $83.2M.
$16.2M securities against $15.8M; $2.7M cash and balances due against $4.3M.
$1.4M total interest income against $1.3M; $383K total interest expense against $354K.
$988K net interest income against $933K.
$65K total noninterest income against $67K; $668K total noninterest expense against $630K.
$15K provision for credit losses against $15K.
$370K net income against $355K.
1.42% return on assets against 1.40%; 3.90% net interest margin against 3.89%.
12.26% CET1 capital ratio against 12.80%; 8.94% tier 1 leverage ratio against 9.24%.
Inside the full Black River Country Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBlack River Country Bank rankings
Its closest position to the top of a national ranking is 1,504 of 3,611, for ROA; its furthest is 3,654 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.78% (Q3 2024) to 1.53% (Q4 2025) and its net interest margin ran from 3.38% (Q3 2024) to 4.08% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.26% | 1.42% | 0.29% | 2.55% | 3.90% |
| Q1 2026 | 12.43% | 1.27% | 0.30% | 2.63% | 3.94% |
| Q4 2025 | 12.14% | 1.53% | 0.33% | 3.00% | 4.08% |
| Q3 2025 | 13.16% | 1.38% | 0.44% | 3.67% | 4.00% |
| Q2 2025 | 12.80% | 1.40% | 0.43% | 3.96% | 3.89% |
| Q1 2025 | 13.18% | 0.93% | 0.35% | 3.15% | 3.70% |
| Q4 2024 | 12.43% | 0.96% | 0.01% | 0.09% | 3.59% |
| Q3 2024 | 12.72% | 0.78% | 0.01% | 0.05% | 3.38% |
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 |
|---|---|---|---|
| Black River Country Bank (main office) | Black River Falls , WI | 54615 | $53.9M |
| Melrose Branch | Melrose , WI | 54642 | $31.4M |
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 |
|---|---|---|---|
| December 31, 2007 | Structure Change | Acquired Black River Country Investments, Inc. 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 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WI, rank 162 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $225K approved, $225K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (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
Add this badge to your website
Free to use. It shows Black River Country Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Black River Country Bank
What are Black River Country Bank's total assets?
As of the Q2 2026 filing, Black River Country Bank reported total assets of $101.8 million in its FFIEC call report.
Where is Black River Country Bank headquartered?
It is headquartered in Black River Falls, WI, United States.
When was Black River Country Bank founded?
It was established in 1907, per the FDIC institution directory.
Is Black River Country Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15152). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Black River Country Bank?
Black River Country Bank's primary federal regulator is the FDIC.
What is Black River Country Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.26% in its Q2 2026 call report, above regulatory requirements.
How many branches does Black River Country Bank 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 Black River Country Bank's Texas Ratio?
Its Texas Ratio is 2.55% 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.
What was Black River Country Bank previously called?
The charter now named Black River Country Bank has also operated as Bank of Melrose (1973-1993), per FDIC structure-change records.
Go deeper on Black River Country Bank.
Get an email when Black River Country Bank files its next call report, and benchmark it against any peer you choose.
Unlock Black River Country Bank, freeFree account