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Profitability · Wisconsin

US Banks with Highest Net Interest Margin (NIM) in Wisconsin

Ranked among banks headquartered in Wisconsin. Re-ranked 1-100 within the state from the same national ranking population.

#1 Net Interest Margin (NIM): IXONIA BANK — 7.22% . Net Interest Margin (NIM) measures the spread between interest earned on assets and interest paid on liabilities — the core unit economics of a commercial bank.

Ranked: 148 banks with reported data Showing: Top 100 Source: FFIEC call reports (Q1 2026) What is this metric? See the US Banks with … glossary entry Go deeper: What Is Net Interest Margin? A Bank Profitability Guide
# Bank HQ US Banks with … Total Assets
1 Ixonia Bank Ixonia , WI 7.22% $959.9M
2 John Deere Financial, F.S.B. Middleton , WI 6.52% $4.11B
3 Security State Bank Iron River , WI 6.29% $140.6M
4 Bank of Lake Mills Lake Mills , WI 6.09% $530.1M
5 West Pointe Bank Oshkosh , WI 5.70% $374.1M
6 First National Bank of Bangor, the Bangor , WI 5.08% $359.4M
7 Bank of Alma Alma , WI 4.59% $339.3M
8 Conservation First Bank Benton , WI 4.56% $123.1M
9 Wolf River Community Bank Hortonville , WI 4.53% $378.1M
10 First Federal Bank of Wisconsin Waukesha , WI 4.47% $278.7M
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11 Crossbridge Community Bank Tomahawk , WI 4.35% $215.5M
12 Forward Bank Marshfield , WI 4.34% $1.21B
13 Community Bank of Cameron Cameron , WI 4.32% $221.0M
14 Bank Cmg Madison , WI 4.32% $899.8M
15 Alliance Bank Mondovi , WI 4.29% $254.1M
16 National Bank of Commerce Superior , WI 4.26% $2.21B
17 State Bank of Chilton Chilton , WI 4.25% $512.5M
18 Cleveland State Bank Cleveland , WI 4.22% $239.6M
19 Fortifi Bank Berlin , WI 4.19% $723.0M
20 Royal Bank Elroy , WI 4.19% $808.6M
21 State Bank of Newburg Newburg , WI 4.16% $330.9M
22 Farmers & Merchants Bank & Trust Marinette , WI 4.16% $173.6M
23 Citizens First Bank Viroqua , WI 4.16% $344.2M
24 Horicon Bank Horicon , WI 4.15% $1.68B
25 Bristol Morgan Bank Oakfield , WI 4.15% $192.9M
26 Waumandee State Bank Waumandee , WI 4.14% $350.6M
27 Community First Bank Rosholt , WI 4.11% $101.4M
28 Citizens State Bank Cadott , WI 4.10% $242.6M
29 Bluff View Bank Galesville , WI 4.10% $153.8M
30 International Bank of Amherst, the Amherst , WI 4.10% $100.1M
31 Ergo Bank Markesan , WI 4.10% $263.1M
32 Waukesha State Bank Waukesha , WI 4.09% $1.63B
33 Citizens State Bank - La Crosse La Crosse , WI 4.09% $653.0M
34 Farmers State Bank of Waupaca, the Waupaca , WI 4.08% $275.9M
35 Bay Bank Green Bay , WI 4.08% $312.7M
36 Security Bank New Auburn , WI 4.04% $241.1M
37 Westbury Bank Waukesha , WI 4.04% $780.2M
38 Bank of Deerfield, the Deerfield , WI 4.04% $261.5M
39 Bank of New Glarus, the New Glarus , WI 4.02% $824.2M
40 Farmers & Merchants Union Bank Columbus , WI 4.01% $903.8M
41 Bank of Milton Milton , WI 4.00% $222.2M
42 Oostburg State Bank Oostburg , WI 3.99% $429.9M
43 Nicolet National Bank Green Bay , WI 3.99% $15.55B
44 Bank First, N.A. Manitowoc , WI 3.94% $6.06B
45 Black River Country Bank Black River Falls , WI 3.94% $100.7M
46 Bank of Kaukauna, the Kaukauna , WI 3.93% $166.9M
47 Chippewa Valley Bank Hayward , WI 3.93% $735.5M
48 Woodtrust Bank Wisconsin Rapids , WI 3.91% $707.5M
49 First National Community Bank New Richmond , WI 3.90% $336.8M
50 Paper City Savings Bank, S.A. Wisconsin Rapids , WI 3.90% $213.0M
51 Oakwood Bank Pigeon Falls , WI 3.89% $151.4M
52 Northwestern Bank, the Chippewa Falls , WI 3.89% $712.0M
53 Pillar Bank Baldwin , WI 3.88% $266.8M
54 North Shore Bank Brookfield , WI 3.87% $2.59B
55 Stephenson National Bank and Trust, the Marinette , WI 3.86% $684.1M
56 Incrediblebank Wausau , WI 3.85% $2.06B
57 American Bank of Beaver Dam Beaver Dam , WI 3.85% $219.0M
58 Northern State Bank Ashland , WI 3.83% $328.8M
59 Community First Bank Boscobel , WI 3.82% $637.6M
60 Intercity State Bank Schofield , WI 3.80% $260.5M
61 Unity Bank Augusta , WI 3.78% $587.6M
62 First Community Bank Milton , WI 3.78% $162.7M
63 Woodford State Bank Monroe , WI 3.77% $509.6M
64 National Exchange Bank and Trust Fond Du Lac , WI 3.76% $2.93B
65 Bank of Luxemburg Luxemburg , WI 3.75% $724.9M
66 Citizens Bank Mukwonago , WI 3.73% $1.17B
67 Collins State Bank Collins , WI 3.72% $288.2M
68 First Citizens State Bank Whitewater , WI 3.70% $511.4M
69 Forte Bank Hartford , WI 3.69% $407.4M
70 Security Financial Bank Durand , WI 3.68% $1.02B
71 Great North Bank Florence , WI 3.68% $221.8M
72 First State Bank New London , WI 3.68% $553.6M
73 Oak Bank Fitchburg , WI 3.68% $462.1M
74 Bank of Wisconsin Dells Wisconsin Dells , WI 3.67% $1.07B
75 Portage County Bank, the Almond , WI 3.64% $212.6M
76 Citizens State Bank Hudson , WI 3.63% $488.1M
77 Bank of Cashton Cashton , WI 3.61% $144.7M
78 First Business Bank Madison , WI 3.61% $4.32B
79 Premier Community Bank Marion , WI 3.61% $562.2M
80 Union State Bank West Salem , WI 3.61% $119.1M
81 First National Bank of River Falls, the River Falls , WI 3.58% $325.9M
82 Northwestern Mutual Wealth Management Company Milwaukee , WI 3.58% $521.3M
83 Community State Bank Union Grove , WI 3.57% $651.9M
84 Peoples State Bank Prairie Du Chien , WI 3.55% $973.3M
85 Partners Bank Spencer , WI 3.54% $286.8M
86 Mound City Bank Platteville , WI 3.54% $545.9M
87 Sterling Bank Barron , WI 3.54% $355.8M
88 Bank of Mauston Mauston , WI 3.52% $419.8M
89 Badger Bank Fort Atkinson , WI 3.52% $208.8M
90 Peoples State Bank Wausau , WI 3.50% $1.49B
91 Marathon Bank Wausau , WI 3.49% $248.6M
92 Premierbank Fort Atkinson , WI 3.49% $586.0M
93 Waldo State Bank Waldo , WI 3.48% $153.4M
94 Spring Bank Brookfield , WI 3.48% $441.9M
95 Richland County Bank Richland Center , WI 3.47% $113.6M
96 Tri City National Bank Oak Creek , WI 3.46% $1.97B
97 River Falls State Bank River Falls , WI 3.46% $141.0M
98 Johnson Bank Racine , WI 3.44% $7.01B
99 Peoples Community Bank, the Mazomanie , WI 3.44% $393.8M
100 Baraboo State Bank Baraboo , WI 3.41% $575.2M

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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