BLC Community Bank
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Data as of · sourced from FFIEC call reports. How we update
BLC Community Bank is an FDIC-insured commercial bank headquartered in Little Chute, WI, established in 1906 (FDIC certificate 11608), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $475.5M, up 9.6% from Q2 2025, the 71st largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 12.28% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11608
- Headquarters
- Little Chute, WI
- Established
- 1906
- Total assets, Q2 2026
- $475.5M
- Assets vs Q2 2025
- +9.6%
- CET1 ratio, Q2 2026
- 12.28%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 075905868
- Holding company
- INDEPENDENT BANCORP., LIMITED
- Asset rank in state
- 71st of 153 in Wisconsin
BLC Community Bank runs leaner than most banks of its size. Its balance sheet stood at $475 million at June 30, 2026, up 9.6% from a year earlier; it is based in Little Chute, Wisconsin. It spends about 46 cents to bring in each dollar of revenue, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 2.59% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $2.1 million, 63% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.02% of loans from 0.40%. Where it has less room is capital: it holds common equity equal to 12.28% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, BLC Community Bank reported a CET1 capital ratio of 12.28%, a return on assets of 1.75%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.18%. The figures come from its call report filed with the FFIEC.
BLC Community Bank ranks as the 71st largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets were flat, loans fell 0.6% and deposits fell 2.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 29.5% of total loans, followed by owner-occupied commercial real estate loans at 25.9%. The FDIC Summary of Deposits lists a single office for it, in Little Chute, WI. On its Q2 2026 call report, BLC Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 206 E Main St, Little Chute, WI 54140
- County
- Outagamie
- Metro Area
- Appleton, 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
- December 6, 1906
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $378.4M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $475.8M
- Average total loans
- $391.5M
- Average interest-bearing deposits
- $314.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11608
- Fed RSSD
- 578741
- Website
- www.blccb.com →
- Parent Holding Company
- INDEPENDENT BANCORP., LIMITED (RSSD 2511313)
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, BLC Community Bank's total assets ranged from $391.1M (Q3 2023) to $475.5M (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
$475.5M total assets against $434.0M; $431.3M total liabilities against $395.4M.
$386.1M net loans and leases against $351.3M; $378.4M total deposits against $352.8M.
$57.5M securities against $54.9M; $22.2M cash and balances due against $19.2M.
$6.6M total interest income against $5.7M; $2.8M total interest expense against $2.8M.
$3.9M net interest income against $2.9M.
$226K total noninterest income against $178K; $1.9M total noninterest expense against $1.7M.
$115K provision for credit losses against $49K.
$2.1M net income against $1.3M.
1.75% return on assets against 1.17%; 3.35% net interest margin against 2.74%.
12.28% CET1 capital ratio against 12.51%; 10.22% tier 1 leverage ratio against 10.20%.
Inside the full BLC Community Bank 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
BLC Community Bank rankings
Its closest position to the top of a national ranking is 471 of 3,606, for efficiency ratio; its furthest is 3,174 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.93% (Q3 2024) to 1.75% (Q2 2026) and its net interest margin ran from 2.27% (Q3 2024) to 3.35% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.28% | 1.75% | 0.02% | 0.18% | 3.35% |
| Q1 2026 | 11.79% | 1.65% | 0.36% | 3.20% | 3.13% |
| Q4 2025 | 11.54% | 1.24% | 0.35% | 2.94% | 2.95% |
| Q3 2025 | 12.61% | 1.35% | 0.39% | 3.22% | 3.15% |
| Q2 2025 | 12.51% | 1.17% | 0.40% | 3.37% | 2.74% |
| Q1 2025 | 12.69% | 1.16% | 0.35% | 2.94% | 2.65% |
| Q4 2024 | 12.66% | 1.00% | 0.11% | 0.92% | 2.47% |
| Q3 2024 | 12.62% | 0.93% | 0.04% | 0.33% | 2.27% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| BLC Community Bank (main office) | Little Chute , WI | 54140 | $378.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in WI, rank 80 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 122 applications, 114 loans originated, $43.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $210K approved, $210K 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 BLC Community Bank
What are BLC Community Bank's total assets?
As of the Q2 2026 filing, BLC Community Bank reported total assets of $475.5 million in its FFIEC call report.
Where is BLC Community Bank headquartered?
It is headquartered in Little Chute, WI, United States.
When was BLC Community Bank founded?
It was established in 1906, per the FDIC institution directory.
Is BLC Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11608). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BLC Community Bank?
BLC Community Bank's primary federal regulator is the FDIC.
What is BLC Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.28% in its Q2 2026 call report, above regulatory requirements.
How many branches does BLC Community Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BLC Community Bank's Texas Ratio?
Its Texas Ratio is 0.18% 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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