Wolf River Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Wolf River Community Bank is an FDIC-insured commercial bank headquartered in Hortonville, WI, established in 1996 (FDIC certificate 34240), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $385.8M, up 11.8% from Q2 2025, the 80th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.42% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34240
- Headquarters
- Hortonville, WI
- Established
- 1996
- Total assets, Q2 2026
- $385.8M
- Assets vs Q2 2025
- +11.8%
- Tier 1 leverage ratio, Q2 2026
- 12.42%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 075972105
- Holding company
- WOLF RIVER BANCORP, INC.
- Asset rank in state
- 80th of 153 in Wisconsin
Wolf River Community Bank, based in Hortonville, Wisconsin, reported $386 million in assets at June 30, 2026, up 11.8% from a year earlier. It grew its loan book 17.4% over the year, about triple the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.84 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Net income for the quarter rose 27% from a year earlier, to $1.8 million. Over the same year, loans grew 17.4% and deposits grew 2.7%.
As of June 30, 2026, Wolf River Community Bank reported a return on assets of 1.92%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.31%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Wolf River Community Bank is the 80th largest of the 153 banks headquartered in Wisconsin. Between Q1 2026 and Q2 2026, its total assets rose 2.0% to $385.8M, loans rose 4.4% and deposits fell 3.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 37.2% of total loans, ahead of owner-occupied commercial real estate loans at 29.0%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in WI; its Hortonville office books 54% of its branch deposits. On its Q2 2026 call report, Wolf River Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 309 E Main St, Hortonville, WI 54944
- 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
- October 16, 1996
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $297.6M
- Allowance for credit losses
- $5.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $376.5M
- Average total loans
- $311.1M
- Average interest-bearing deposits
- $248.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 16, 1996
- FDIC Cert
- 34240
- Fed RSSD
- 2505424
- Website
- http://wolfriverbank.com →
- Parent Holding Company
- WOLF RIVER BANCORP, INC. (RSSD 3180257)
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. 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, Wolf River Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Wolf River Community Bank's total assets moved between a low of $281.1M (Q3 2023) and a high of $386.2M (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
$385.8M total assets against $345.1M; $339.7M total liabilities against $305.0M.
$313.5M net loans and leases against $266.8M; $297.6M total deposits against $289.8M.
$40.8M securities against $39.1M; $12.4M cash and balances due against $22.7M.
$5.5M total interest income against $4.6M; $1.1M total interest expense against $1.1M.
$4.3M net interest income against $3.5M.
$406K total noninterest income against $352K; $2.3M total noninterest expense against $2.0M.
$213K provision for credit losses against $150K.
$1.8M net income against $1.4M.
1.92% return on assets against 1.70%; 4.84% net interest margin against 4.49%.
12.42% tier 1 leverage ratio against 12.25%.
Inside the full Wolf River 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.
Wolf River Community Bank rankings
Its closest position to the top of a national ranking is 582 of 3,611, for ROA; its furthest is 3,084 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.36% (Q3 2024) to 1.92% (Q2 2026) and its net interest margin ran from 4.20% (Q3 2024) to 4.84% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.42% | 1.92% | 0.05% | 0.31% | 4.84% |
| Q1 2026 | 11.74% | 1.83% | 0.05% | 0.34% | 4.53% |
| Q4 2025 | 11.90% | 1.66% | 0.07% | 0.42% | 4.55% |
| Q3 2025 | 12.04% | 1.74% | 0.05% | 0.29% | 4.51% |
| Q2 2025 | 12.25% | 1.70% | 0.05% | 0.33% | 4.49% |
| Q1 2025 | 12.02% | 1.67% | 0.06% | 0.38% | 4.32% |
| Q4 2024 | 12.33% | 1.40% | 0.07% | 0.43% | 4.33% |
| Q3 2024 | 12.57% | 1.36% | 0.12% | 0.70% | 4.20% |
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 |
|---|---|---|---|
| Wolf River Community Bank (main office) | Hortonville , WI | 54944 | $159.3M |
| Greenville Branch | Greenville , WI | 54942 | $73.2M |
| New London Branch | New London , WI | 54961 | $52.9M |
| Shiocton | Shiocton , WI | 54170 | $12.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in WI, rank 94 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 199 applications, 182 loans originated, $38.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.3M approved, $2.3M 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 Wolf River Community Bank
What are Wolf River Community Bank's total assets?
As of the Q2 2026 filing, Wolf River Community Bank reported total assets of $385.8 million in its FFIEC call report.
Where is Wolf River Community Bank headquartered?
It is headquartered in Hortonville, WI, United States.
When was Wolf River Community Bank founded?
It was established in 1996, per the FDIC institution directory.
Is Wolf River Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34240). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wolf River Community Bank?
Wolf River Community Bank's primary federal regulator is the FDIC.
How many branches does Wolf River Community 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 Wolf River Community Bank's Texas Ratio?
Its Texas Ratio is 0.31% 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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