Bank of Ontario: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Bank of Ontario is a small community bank chartered in 1911, based in Ontario, WI, in the years before the Federal Reserve System's founding. The Q2 2026 balance sheet stands at $79M in assets, including $65M in loans. Under the simplified Community Bank Leverage Ratio framework, leverage of 13.85% exceeds the CBLR threshold. The bank posts a strong 1.35% ROA and 9.87% ROE. Asset quality is impaired, with nonperforming loans at 8.53%. 3 branches make up the footprint.
As of June 30, 2026, Bank of Ontario reported a Tier 1 leverage ratio of 13.85%, a return on assets of 1.35%, a nonperforming-loan ratio of 8.53%, a Texas ratio of 44.57%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 315 Main St, Ontario, WI 54651
- County
- Vernon
- Metro Area
- La Crosse-Onalaska, WI-MN
- 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
- September 23, 1911
- Offices
- 3 domestic
- Employees (FTE)
- 15
- Domestic deposits
- $67.4M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- -$37K
- Average total assets
- $80.8M
- Average total loans
- $65.4M
- Average interest-bearing deposits
- $53.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 15, 1973
- FDIC Cert
- 21085
- Fed RSSD
- 37341
- Website
- www.myvernoncountybank.com →
- Parent Holding Company
- ONTARIO BANCORPORATION, INC. (RSSD 1209592)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank of Ontario terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of Ontario, 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.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
Bank of Ontario rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.85% | 1.35% | 8.53% | 44.57% | 5.06% |
| Q1 2026 | 13.85% | 0.96% | 8.73% | 46.86% | 4.76% |
| Q4 2025 | 10.73% | 1.51% | 11.97% | 69.09% | 5.03% |
| Q3 2025 | 10.18% | -10.83% | 11.93% | 69.59% | 5.19% |
| Q2 2025 | 13.34% | 0.81% | 6.50% | 37.00% | 4.68% |
| Q1 2025 | 13.23% | 1.76% | 7.18% | 43.12% | 5.13% |
| Q4 2024 | 12.83% | 2.62% | 5.43% | 33.45% | 5.63% |
| Q3 2024 | 12.36% | 2.67% | 5.58% | 35.17% | 5.55% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Ontario (main office) | Ontario , WI | 54651 | $40.5M |
| Genoa Branch | Genoa , WI | 54632 | $21.3M |
| Westby Branch | Westby , WI | 54667 | $5.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 21, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 21, 1994 | Structure Change | Acquired Genoa State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Bank of Ontario, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, ONTARIO BANCORPORATION, INC., not the bank itself
- September 24, 2026, Federal Reserve: Written Agreement: Ontario Bancorporation, Inc., Ontario, Wisconsin
- Period: Most recent institution action September 24, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in WI, rank 169 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bank of Ontario
What are Bank of Ontario's total assets?
As of the Q2 2026 filing, Bank of Ontario reported total assets of $79.0 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Ontario headquartered?
Bank of Ontario is headquartered in Ontario, WI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of Ontario founded?
Bank of Ontario was established in 1911, per the FDIC institution directory.
Is Bank of Ontario FDIC-insured?
Yes. Bank of Ontario is an FDIC-insured commercial bank (FDIC Certificate #21085). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Ontario?
Bank of Ontario's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Bank of Ontario operate?
Bank of Ontario 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 Bank of Ontario's Texas Ratio?
Bank of Ontario's Texas Ratio is 44.57% in its Q2 2026 call report, within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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