The First National Bank of Bangor
The First National Bank of Bangor is an FDIC-insured commercial bank headquartered in Bangor, WI, supervised by the OCC, with $363.7M in total assets at Q2 2026, up 2.4% from Q2 2025, the 82nd largest of 153 banks headquartered in Wisconsin. It was established in 1903 and holds FDIC certificate 5337. It reports no CET1 ratio; its Tier 1 leverage ratio was 31.61% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
Also written as FNB of Bangor
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5337
- Headquarters
- Bangor, WI
- Established
- 1903
- Total assets, Q2 2026
- $363.7M
- Assets vs Q2 2025
- +2.4%
- Tier 1 leverage ratio, Q2 2026
- 31.61%
- Domestic offices
- 5 · The First National Bank of Bangor branches FDIC institution directory, current count
- Routing number
- 091803957
- Safety and soundness
- Is The First National Bank of Bangor safe?
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Bangor Q3 2026 call report, filed October 14, 2026 (preliminary)
- Holding company
- BOSSHARD FINANCIAL GROUP, INC.
- Asset rank in state
- 82nd of 153 in Wisconsin
Problem loans are rising at The First National Bank of Bangor. Based in Bangor, Wisconsin, it had $364 million in assets at June 30, 2026, up 2.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.95% of loans from 0.63% a year earlier. It earns about $3.45 a year on every $100 of assets, about triple the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also keeps 5.24 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.96 cents).
Net income for the quarter rose 11% from a year earlier, to $3.1 million.
As of June 30, 2026, The First National Bank of Bangor reported a return on assets of 3.45%, a nonperforming-loan ratio of 0.95% and a Texas ratio of 2.65%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, The First National Bank of Bangor is the 82nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.2% to $363.7M, loans fell 3.3% and deposits rose 0.8%. 1-4 family residential loans made up 23.5% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 21.8%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in WI; its Bangor office books 51% of its branch deposits. By the capital ratios in its Q2 2026 call report, The First National Bank of Bangor meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1798 Commercial St, Bangor, WI 54614
- County
- La Crosse
- Metro Area
- La Crosse-Onalaska, WI-MN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 1, 1903
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $225.6M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $360.9M
- Average total loans
- $314.5M
- Average interest-bearing deposits
- $181.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5337
- Fed RSSD
- 627854
- SEC CIK
- 1795669 → filed by BOSSHARD FINANCIAL GROUP, INC.
- Website
- fnbbangor.net →
- Parent Holding Company
- BOSSHARD FINANCIAL GROUP, INC. (RSSD 1205473)
Profitability
Q2 annualizedBalance 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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The First National Bank of Bangor reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The First National Bank of Bangor's total assets moved between a low of $322.9M (Q3 2023) and a high of $381.8M (Q4 2025) 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
$363.7M total assets against $355.2M; $249.6M total liabilities against $253.0M.
$305.3M net loans and leases against $301.6M; $225.6M total deposits against $217.4M.
$28.6M securities against $31.5M; $23.2M cash and balances due against $15.1M.
$5.9M total interest income against $5.7M; $1.3M total interest expense against $1.4M.
$4.6M net interest income against $4.3M.
$93K total noninterest income against $134K; $789K total noninterest expense against $785K.
No provision recorded in the last 12 quarters.
$3.1M net income against $2.8M.
3.45% return on assets against 3.19%; 5.24% net interest margin against 4.98%.
31.61% tier 1 leverage ratio against 29.09%.
Inside the full The First National Bank of Bangor 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.
The First National Bank of Bangor rankings
Its closest position to the top of a national ranking is 9 of 3,606, for efficiency ratio; its furthest is 1,976 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.80% (Q4 2025) to 4.46% (Q4 2024) and its net interest margin ran from 4.44% (Q3 2024) to 5.24% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 31.61% | 3.45% | 0.95% | 2.65% | 5.24% |
| Q1 2026 | 30.44% | 3.42% | 0.59% | 1.80% | 5.08% |
| Q4 2025 | 29.71% | 2.80% | 0.88% | 2.68% | 5.10% |
| Q3 2025 | 29.61% | 3.49% | 0.61% | 1.91% | 5.18% |
| Q2 2025 | 29.09% | 3.19% | 0.63% | 1.99% | 4.98% |
| Q1 2025 | 28.37% | 3.26% | 0.31% | 1.09% | 4.75% |
| Q4 2024 | 28.45% | 4.46% | 0.03% | 0.31% | 4.61% |
| Q3 2024 | 27.12% | 2.86% | 0.03% | 0.38% | 4.44% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| The First National Bank of Bangor | Bangor , WI | 54614 | $114.6M |
| Holmen Branch | Holmen , WI | 54636 | $51.6M |
| West Salem Branch | West Salem , WI | 54669 | $38.5M |
| Mindoro Branch | Mindoro , WI | 54644 | $12.7M |
| St. Joseph's Ridge Branch | La Crosse , WI | 54601 | $8.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action October 7, 1994. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in WI, rank 116 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 132 applications, 129 loans originated, $30.2M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.7M approved, $868K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 The First National Bank of Bangor
What are The First National Bank of Bangor's total assets?
As of the Q2 2026 filing, The First National Bank of Bangor reported total assets of $363.7 million in its FFIEC call report.
Where is The First National Bank of Bangor headquartered?
It is headquartered in Bangor, WI, United States.
When was The First National Bank of Bangor founded?
It was established in 1903, per the FDIC institution directory.
Is The First National Bank of Bangor FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5337). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Bangor?
The First National Bank of Bangor's primary federal regulator is the OCC.
How many branches does The First National Bank of Bangor operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Bangor's Texas Ratio?
Its Texas Ratio is 2.65% 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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