Community Bank of Cameron
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Data as of · sourced from FFIEC call reports. How we update
Community Bank of Cameron is an FDIC-insured commercial bank headquartered in Cameron, WI, established in 1903 (FDIC certificate 12349), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $226.9M, up 4.4% from Q2 2025, the 115th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 13.42% 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
- 12349
- Headquarters
- Cameron, WI
- Established
- 1903
- Total assets, Q2 2026
- $226.9M
- Assets vs Q2 2025
- +4.4%
- CET1 ratio, Q2 2026
- 13.42%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 091804723
- Latest call report
- Q2 2026, FFIEC 051 · Community Bank of Cameron call report
- Holding company
- CAMERON BANCORP, INC.
- Asset rank in state
- 115th of 153 in Wisconsin
Community Bank of Cameron is one of the more profitable banks of its size. Its balance sheet stood at $227 million at June 30, 2026, up 4.4% from a year earlier; it is based in Cameron, Wisconsin. It returns 24.8% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it funds 9.00% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%). Much of that comes from cost control: it spends about 50 cents to bring in each dollar of revenue.
Net income for the quarter rose 22% from a year earlier, to $1.2 million. Over the same year, loans shrank 0.0% and deposits grew 4.2%. One more trend to watch: problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.53% of loans, against 0.28% a year earlier.
As of June 30, 2026, Community Bank of Cameron reported a CET1 capital ratio of 13.42%, a return on assets of 2.21%, a nonperforming-loan ratio of 0.53% and a Texas ratio of 3.86%. The figures come from its call report filed with the FFIEC.
Community Bank of Cameron ranks as the 115th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.6% to $226.9M, loans fell 0.2% and deposits rose 2.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 65.4% of total loans, ahead of owner-occupied commercial real estate loans at 10.1%. Its 3 offices in the FDIC Summary of Deposits are in Cameron, WI, Grantsburg, WI and Siren, WI; its Cameron office books 36% of its branch deposits. Judged on its Q2 2026 call report, Community Bank of Cameron meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 W Main St, Cameron, WI 54822
- County
- Barron
- Metro Area
- Rice Lake, 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 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1903
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 39
- Domestic deposits
- $198.6M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $188K
- Average total assets
- $222.5M
- Average total loans
- $157.3M
- Average interest-bearing deposits
- $164.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12349
- Fed RSSD
- 385350
- Website
- www.communitybankwi.com →
- Parent Holding Company
- CAMERON BANCORP, INC. (RSSD 1516405)
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
Community Bank of Cameron's total assets moved between a low of $181.2M (Q4 2023) and a high of $226.9M (Q2 2026) from Q3 2023 to 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
$226.9M total assets against $217.4M; $206.9M total liabilities against $198.9M.
$155.6M net loans and leases against $155.6M; $198.6M total deposits against $190.7M.
$46.4M securities against $37.2M; $15.7M cash and balances due against $15.8M.
$3.3M total interest income against $3.1M; $886K total interest expense against $881K.
$2.4M net interest income against $2.2M.
$297K total noninterest income against $230K; $1.4M total noninterest expense against $1.4M.
$60K provision for credit losses against $44K.
$1.2M net income against $1.0M.
2.21% return on assets against 1.87%; 4.63% net interest margin against 4.39%.
13.42% CET1 capital ratio against 13.02%; 9.00% tier 1 leverage ratio against 8.59%.
Inside the full Community Bank of Cameron terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity Bank of Cameron rankings
Its closest position to the top of a national ranking is 310 of 3,611, for ROA; its furthest is 2,819 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.42% (Q4 2024) to 2.21% (Q2 2026) and its net interest margin ran from 4.06% (Q3 2024) to 4.63% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.42% | 2.21% | 0.53% | 3.86% | 4.63% |
| Q1 2026 | 13.28% | 1.49% | 0.38% | 2.82% | 4.32% |
| Q4 2025 | 12.79% | 1.73% | 0.33% | 2.47% | 4.63% |
| Q3 2025 | 13.11% | 2.04% | 0.28% | 2.10% | 4.55% |
| Q2 2025 | 13.02% | 1.87% | 0.28% | 2.19% | 4.39% |
| Q1 2025 | 13.00% | 1.82% | 0.23% | 1.85% | 4.25% |
| Q4 2024 | 12.36% | 1.42% | 0.21% | 1.70% | 4.24% |
| Q3 2024 | 12.69% | 1.88% | 0.12% | 0.89% | 4.06% |
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 |
|---|---|---|---|
| Community Bank of Cameron (main office) | Cameron , WI | 54822 | $72.5M |
| Grantsburg Branch | Grantsburg , WI | 54840 | $66.2M |
| Siren Branch | Siren , WI | 54872 | $59.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WI, rank 122 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $351K approved, $351K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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
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Frequently asked about Community Bank of Cameron
What are Community Bank of Cameron's total assets?
As of the Q2 2026 filing, Community Bank of Cameron reported total assets of $226.9 million in its FFIEC call report.
Where is Community Bank of Cameron headquartered?
It is headquartered in Cameron, WI, United States.
When was Community Bank of Cameron founded?
It was established in 1903, per the FDIC institution directory.
Is Community Bank of Cameron FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12349). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank of Cameron?
Community Bank of Cameron's primary federal regulator is the FDIC.
What is Community Bank of Cameron's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.42% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community Bank of Cameron 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 Community Bank of Cameron's Texas Ratio?
Its Texas Ratio is 3.86% 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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