Bristol Morgan Bank
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Data as of · sourced from FFIEC call reports. How we update
Bristol Morgan Bank is an FDIC-insured commercial bank headquartered in Oakfield, WI, established in 1901 (FDIC certificate 9523), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $191.2M, up 8.2% from Q2 2025, the 121st largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 13.78% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 9523
- Headquarters
- Oakfield, WI
- Established
- 1901
- Total assets, Q2 2026
- $191.2M
- Assets vs Q2 2025
- +8.2%
- CET1 ratio, Q2 2026
- 13.78%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 075906304
- Holding company
- OAKFIELD BANCORP., INC.
- Asset rank in state
- 121st of 153 in Wisconsin
Bristol Morgan Bank leans heavily on commercial real estate. Based in Oakfield, Wisconsin, it had $191 million in assets at June 30, 2026, up 8.2% from a year earlier. It holds commercial real estate loans worth 2.8 times its capital, 2.4 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also grew deposits 19.4% over the year, 4.8 times the median of 4.0% for banks its size.
Earnings jumped: net income for the quarter was $577,000, 39% above the same quarter a year earlier. Over the same year, loans grew 6.1% and deposits grew 19.4%. Funding is the softer spot: it pays an average of 2.22% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Bristol Morgan Bank reported a CET1 capital ratio of 13.78%, a return on assets of 1.19%, a nonperforming-loan ratio of 0.43% and a Texas ratio of 3.07%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Bristol Morgan Bank is the 121st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.9% to $191.2M, loans fell 3.5% and deposits rose 4.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 34.0% of total loans, followed by non-owner-occupied commercial real estate loans at 14.8%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in WI; its Oakfield office books 63% of its branch deposits. On its Q2 2026 call report, Bristol Morgan Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 103 S Main St, Oakfield, WI 53065
- County
- Fond Du Lac
- Metro Area
- Fond du Lac, WI
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1901
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $157.1M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- -$19K
- Average total assets
- $194.7M
- Average total loans
- $157.3M
- Average interest-bearing deposits
- $151.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9523
- Fed RSSD
- 807348
- Website
- https://bristolmorganbank.com →
- Parent Holding Company
- OAKFIELD BANCORP., INC. (RSSD 2736899)
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, Bristol Morgan Bank's total assets ranged from $155.4M (Q1 2024) to $192.9M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$191.2M total assets against $176.8M; $171.4M total liabilities against $158.1M.
$153.0M net loans and leases against $144.3M; $157.1M total deposits against $131.5M.
$16.2M securities against $15.6M; $15.0M cash and balances due against $9.7M.
$3.0M total interest income against $2.6M; $1.1M total interest expense against $905K.
$2.0M net interest income against $1.7M.
$101K total noninterest income against $91K; $1.4M total noninterest expense against $1.3M.
$30K provision for credit losses against $60K.
$577K net income against $415K.
1.19% return on assets against 0.93%; 4.27% net interest margin against 4.14%.
13.78% CET1 capital ratio against 13.57%; 10.25% tier 1 leverage ratio against 10.82%.
Inside the full Bristol Morgan 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.
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.
Bristol Morgan Bank rankings
Its closest position to the top of a national ranking is 1,839 of 3,640, for Texas Ratio; its furthest is 3,025 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.37% (Q3 2024) to 1.19% (Q2 2026) and its net interest margin ran from 3.66% (Q3 2024) to 4.51% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.78% | 1.19% | 0.43% | 3.07% | 4.27% |
| Q1 2026 | 12.53% | 0.62% | 0.54% | 4.13% | 4.15% |
| Q4 2025 | 12.86% | 1.09% | 0.42% | 3.21% | 4.51% |
| Q3 2025 | 12.97% | 0.61% | 0.44% | 3.17% | 4.28% |
| Q2 2025 | 13.57% | 0.93% | 0.61% | 4.42% | 4.14% |
| Q1 2025 | 14.17% | 0.69% | 0.63% | 4.48% | 3.93% |
| Q4 2024 | 12.92% | 0.99% | 0.46% | 3.41% | 4.08% |
| Q3 2024 | — | 0.37% | 3.11% | 22.78% | 3.66% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Bristol Morgan Bank (main office) | Oakfield , WI | 53065 | $98.8M |
| Fond Du Lac Branch | Fond Du Lac , WI | 54935 | $38.6M |
| Van Dyne Branch | Van Dyne , WI | 54979 | $12.7M |
| Oshkosh Branch | Oshkosh , WI | 54901 | $7.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WI, rank 135 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 91 applications, 85 loans originated, $25.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K 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 Bristol Morgan Bank
What are Bristol Morgan Bank's total assets?
As of the Q2 2026 filing, Bristol Morgan Bank reported total assets of $191.2 million in its FFIEC call report.
Where is Bristol Morgan Bank headquartered?
It is headquartered in Oakfield, WI, United States.
When was Bristol Morgan Bank founded?
It was established in 1901, per the FDIC institution directory.
Is Bristol Morgan Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9523). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bristol Morgan Bank?
Bristol Morgan Bank's primary federal regulator is the Federal Reserve.
What is Bristol Morgan Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.78% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bristol Morgan Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bristol Morgan Bank's Texas Ratio?
Its Texas Ratio is 3.07% 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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