Bluff View Bank
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Data as of · sourced from FFIEC call reports. How we update
Bluff View Bank is an FDIC-insured commercial bank headquartered in Galesville, WI, established in 1883 (FDIC certificate 8693), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $152.8M, down 1.0% from Q2 2025, the 129th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 20.04% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8693
- Headquarters
- Galesville, WI
- Established
- 1883
- Total assets, Q2 2026
- $152.8M
- Assets vs Q2 2025
- -1.0%
- CET1 ratio, Q2 2026
- 20.04%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 091803591
- Holding company
- GALE BANK HOLDING COMPANY, INC.
- Asset rank in state
- 129th of 153 in Wisconsin
Bluff View Bank is one of the more profitable banks of its size. It reported $153 million in assets at June 30, 2026, down 1.0% from a year earlier. It earns about $2.25 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%). A wide margin does most of the work: it keeps 4.61 cents of net interest income on every dollar of earning assets.
Earnings jumped: net income for the quarter was $882,000, 66% above the same quarter a year earlier. Over the same year, loans grew 7.5% and deposits shrank 6.7%.
As of June 30, 2026, Bluff View Bank reported a CET1 capital ratio of 20.04%, a return on assets of 2.25%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Bluff View Bank is the 129th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.7% to $152.8M, loans rose 2.2% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 25.4% of total loans, followed by farmland and other real estate loans at 17.0%. Its 3 offices in the FDIC Summary of Deposits are in Galesville, WI, Holmen, WI and Trempealeau, WI; its Galesville office books 66% of its branch deposits. On its Q2 2026 call report, Bluff View Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 16893 S Main St, Galesville, WI 54630
- County
- Trempealeau
- 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 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1883
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $118.4M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $156.7M
- Average total loans
- $102.8M
- Average interest-bearing deposits
- $91.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8693
- Fed RSSD
- 167453
- Website
- www.bluffviewbank.com →
- Parent Holding Company
- GALE BANK HOLDING COMPANY, INC. (RSSD 1127249)
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, Bluff View Bank's total assets ranged from $136.4M (Q3 2023) to $160.7M (Q3 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
$152.8M total assets against $154.4M; $130.5M total liabilities against $134.7M.
$101.2M net loans and leases against $94.2M; $118.4M total deposits against $127.0M.
$41.5M securities against $41.1M; $2.6M cash and balances due against $11.7M.
$2.1M total interest income against $1.9M; $558K total interest expense against $634K.
$1.6M net interest income against $1.3M.
$449K total noninterest income against $332K; $1.1M total noninterest expense against $1.1M.
$17K provision for credit losses against $0.
$882K net income against $530K.
2.25% return on assets against 1.42%; 4.61% net interest margin against 3.80%.
20.04% CET1 capital ratio against 18.76%; 14.94% tier 1 leverage ratio against 15.05%.
Inside the full Bluff View Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBluff View Bank rankings
Its closest position to the top of a national ranking is 274 of 3,611, for ROA; its furthest is 3,568 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.21% (Q1 2026) to 2.25% (Q2 2026) and its net interest margin ran from 3.59% (Q3 2024) to 4.61% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.04% | 2.25% | 0.00% | 0.00% | 4.61% |
| Q1 2026 | 20.83% | 0.21% | 0.01% | 0.05% | 4.10% |
| Q4 2025 | 19.11% | 1.73% | 0.00% | 0.00% | 4.25% |
| Q3 2025 | 18.03% | 1.52% | 0.00% | 0.00% | 3.99% |
| Q2 2025 | 18.76% | 1.42% | 0.02% | 0.10% | 3.80% |
| Q1 2025 | 19.38% | 1.07% | 0.04% | 0.18% | 3.66% |
| Q4 2024 | 19.07% | 1.44% | 0.00% | 0.00% | 3.62% |
| Q3 2024 | 18.85% | 1.04% | 0.02% | 0.09% | 3.59% |
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 |
|---|---|---|---|
| Bluff View Bank (main office) | Galesville , WI | 54630 | $78.2M |
| Bluff View Bank Branch | Holmen , WI | 54636 | $24.2M |
| Trempealeau Branch | Trempealeau , WI | 54661 | $16.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WI, rank 147 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 76 applications, 67 loans originated, $17.8M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $70K approved, $70K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (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 Bluff View Bank
What are Bluff View Bank's total assets?
As of the Q2 2026 filing, Bluff View Bank reported total assets of $152.8 million in its FFIEC call report.
Where is Bluff View Bank headquartered?
It is headquartered in Galesville, WI, United States.
When was Bluff View Bank founded?
It was established in 1883, per the FDIC institution directory.
Is Bluff View Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8693). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bluff View Bank?
Bluff View Bank's primary federal regulator is the FDIC.
What is Bluff View Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.04% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bluff View Bank 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 Bluff View Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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