Black River Country Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 20.56 percentage points higher than in Q1 2026, at 551.75%. Black River Country Bank ranks 64th of 153 Wisconsin banks on return on assets, in the upper half at 1.42% (Q2 2026). Black River Country Bank reported 1.42% on return on assets for Q2 2026, 0.16 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.26% |
| Tier 1 risk-based capital ratio | 12.26% |
| Total risk-based capital ratio | 13.52% |
| Tier 1 leverage ratio | 8.94% |
| Equity capital to assets | 7.55% |
| Tangible equity to tangible assets | 7.55% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.29% |
| Non-performing assets ratio | 0.22% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.55% |
| Allowance for credit losses to loans | 1.57% |
| Reserve coverage of non-performing loans | 551.75% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 19.31% |
| Net interest margin | 3.90% |
| Efficiency ratio | 62.44% |
| Yield on earning assets | 5.38% |
| Cost of funds | 1.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.72% |
| Core deposits to total deposits | 91.31% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.77% |
| Securities to assets | 15.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.21% | 13.21% | 14.46% | 9.12% | 0.89% |
| Q4 2023 | 12.37% | 12.37% | 13.63% | 8.70% | 0.81% |
| Q1 2024 | 13.61% | 13.61% | 14.86% | 9.00% | 0.76% |
| Q2 2024 | 12.74% | 12.74% | 13.99% | 9.08% | 0.92% |
| Q3 2024 | 12.72% | 12.72% | 13.98% | 9.24% | 0.78% |
| Q4 2024 | 12.43% | 12.43% | 13.68% | 8.79% | 0.96% |
| Q1 2025 | 13.18% | 13.18% | 14.44% | 9.20% | 0.93% |
| Q2 2025 | 12.80% | 12.80% | 14.06% | 9.24% | 1.40% |
| Q3 2025 | 13.16% | 13.16% | 14.42% | 9.44% | 1.38% |
| Q4 2025 | 12.14% | 12.14% | 13.39% | 8.71% | 1.53% |
| Q1 2026 | 12.43% | 12.43% | 13.68% | 8.81% | 1.27% |
| Q2 2026 | 12.26% | 12.26% | 13.52% | 8.94% | 1.42% |
Black River Country Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Black River Country Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Black River Country Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15152) · FFIEC NIC profile (RSSD 603540)