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855-876-1500
140 West Huron Street
Berlin, WI 54923

1st National Bank (WI) is headquartered in Berlin and is the 53rd largest bank in the state of Wisconsin. It is also the 1,883rd largest bank in the nation. It was established in 1876 and as of June of 2014, it had grown to 77 employees at 8 locations. 1st National Bank (WI) has a B+ health rating.

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Health

Data for Q2 2014

Institution Health

B+

Texas Ratio

GRADE:
C+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 1st National Bank (WI) had $7.2 million in non-current loans and owned real-estate with $32.06 million in equity and loan loss allowances on hand to cover it. This gives 1st National Bank (WI) a Texas Ratio of 22.46% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for 1st National Bank (WI) decreased dramatically from 33.09% as of June 30, 2013 to 22.46% as of June 30, 2014, resulting in a positive change of 32.11%.This indicates that the balance sheet and financial strength for 1st National Bank (WI) has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, 1st National Bank (WI) has increased its total deposits by $23.98 million, resulting in 8.62% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth 1st National Bank (WI) has shown is excellent.

Capitalization

GRADE:
C+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. 1st National Bank (WI) has $348.72 million in assets with $32.06 million in equity, resulting in a capitalization level of 9.19%, which is average.

Institution Statistics

Overall
FDIC Certificate #5286
Year Established1876
Employees77
Primary RegulatorOCC
Assets and Liabilities
Assets$348.72 million
Loans$232.02 million
Deposits$302.11 million
Equity Capital$29.38 million
Loan Loss Allowance$2.69 million
Unbacked Noncurrent Loans$2.64 million
Real Estate Owned$4.57 million
Historic Data - June 2013
Assets$307.22 million
Equity Capital$27.00 million
Loan Loss Allowance$2.84 million
Unbacked Noncurrent Loans$2.64 million
Real Estate Owned$5.82 million
Profit Margin - Quarterly
Return on Assets0.61%
Return on Equity7.39%
Interest Income$6.72 million
Rates

Always verify rates and promotions with the bank or credit union. We are not 1st National Bank (WI), we are a rate comparison website and can not provide official rates or promotions.

1st National Bank (WI) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.50%$15k-Health Savings Account
0.20%$50k-Eagle Investment Savings

1st National Bank (WI) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$500k-Super Money Market Account
0.25%$500k-Business Money Market Account

1st National Bank (WI) Checking Account Rates

DetailsAPYMINMAXPRODUCT
1.51%-$15k1st Rewards Checking - Qualifying
0.05%--1st Rewards Checking - Non Qualifying
0.05%$750-Business NOW Checking

1st National Bank (WI) CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$500-60 Month CD
1.00%$500-60 Month Business CD
0.75%$500-48 Month CD
0.75%$500-48 Month Business CD
0.50%$500-36 Month CD
0.50%$500-36 Month Business CD
0.40%$500-24 Month CD
0.40%$500-24 Month Business CD
0.25%$500-12 Month CD
0.25%$500-18 Month CD
0.25%$500-12 Month Business CD
0.25%$500-18 Month Business CD
0.15%$1k-6 Month CD
0.15%$1k-6 Month Business CD
0.08%$1k-30 Day CD
0.08%$1k-3 Month CD
0.08%$1k-30 Day Business CD
0.08%$1k-3 Month Business CD

1st National Bank (WI) IRA Rates

DetailsAPYMINMAXPRODUCT
1.00%$500-60 Month IRA
0.75%$500-48 Month IRA
0.75%$5k-19 Month IRA
0.50%$500-36 Month IRA
0.50%$5k-7 Month IRA
0.40%$500-24 Month IRA
0.25%$500-12 Month IRA
0.25%$500-18 Month IRA
0.15%$1k-6 Month IRA
0.08%$1k-30 Day IRA
0.08%$1k-3 Month IRA
Locations


1st National Bank (WI) Locations
Omro Branch120 Alder AvenueOmro, WI 54963
Waunakee Financial Center Branch1330 Montondon AvenueWaunakee, WI 53597
The First National Bank Of Berlin140 West Huron StreetBerlin, WI 54923
Westfield Branch356 S. Pioneer Park RdWestfield, WI 53964
Montello Branch408 Main StreetMontello, WI 53949
Winneconne Financial Center Branch908 East Main StreetWinneconne, WI 54986
Poy Sippi BranchN4259 State Road 49Poy Sippi, WI 54967
Green Lake BranchWest 1208 State Roads, 23/49, P.o.b.Green Lake, WI 54941