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Overview / Commentary
888-569-9909
155 West Wisconsin Avenue
Oconomowoc, WI 53066

First Bank Financial Centre is headquartered in Oconomowoc and is the 20th largest bank in the state of Wisconsin. It is also the 835th largest bank in the nation. It was established in 1859 and as of December of 2013, it had grown to 213 employees at 15 locations. First Bank Financial Centre has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
B+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 First Bank Financial Centre had $10.5 million in non-current loans and owned real-estate with $74.4 million in equity and loan loss allowances on hand to cover it. This gives First Bank Financial Centre a Texas Ratio of 14.11% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for First Bank Financial Centre decreased slightly from 19.12% as of December 31, 2012 to 14.11% as of December 31, 2013, resulting in a positive change of 26.22%.This indicates that the balance sheet and financial strength for First Bank Financial Centre has improved slightly in recent periods.

Deposit Growth

GRADE:
A

In the past year, First Bank Financial Centre has increased its total deposits by $22.1 million, resulting in 3.49% 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 First Bank Financial Centre 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. First Bank Financial Centre has $809.11 million in assets with $74.4 million in equity, resulting in a capitalization level of 9.19%, which is average.

Institution Statistics

Overall
FDIC Certificate #12517
Year Established1859
Employees213
Primary RegulatorFDIC
Assets and Liabilities
Assets$809.11 million
Loans$546.02 million
Deposits$656.24 million
Equity Capital$67.82 million
Loan Loss Allowance$6.58 million
Unbacked Noncurrent Loans$3.16 million
Real Estate Owned$7.33 million
Historic Data - December 2012
Assets$806.82 million
Equity Capital$66.87 million
Loan Loss Allowance$8.19 million
Unbacked Noncurrent Loans$3.16 million
Real Estate Owned$9.88 million
Profit Margin - Quarterly
Net Interest Margin3.5%
Return on Assets0.65%
Return on Equity7.54%
Interest Income$29.44 million
Rates

Always verify rates and promotions with the bank or credit union. We are not First Bank Financial Centre, we are a rate comparison website and can not provide official rates or promotions.

First Bank Financial Centre Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%--Elite Savings
0.15%--Business Savings
0.15%$10k-Health Savings Account
0.05%--Statement Savings
0.05%--Holiday Savings
0.05%--Jungle Club Savings
0.05%--Smart Savings

First Bank Financial Centre Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$250k-First Rate Money Market - Consumer
0.30%$250k-First Rate Money Market - Business
0.10%--IRA Money Market

First Bank Financial Centre Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--Business Checking with Interest
0.03%--Classic Checking
0.03%--Premier Checking

First Bank Financial Centre CD Rates

DetailsAPYMINMAXPRODUCT
1.30%$2,500-37 Month CD Special
1.30%$2,500-Business 27 Month CD Special
1.00%$2,500-25 Month CD Special
1.00%$2,500-Business 25 Month CD Special
0.70%$1k-60 Month CD
0.70%$1k-Business 60 Month CD
0.60%$2,500-15 Month CD Special
0.60%$2,500-Business 15 Month CD Special
0.55%$1k-48 Month CD
0.55%$1k-Business 48 Month CD
0.35%$1k-36 Month CD
0.35%$1k-Business 36 Month CD
0.30%$1k-24 Month CD
0.30%$200-Young American CD
0.30%$1k-Business 24 Month CD
0.20%$1k-12 Month CD
0.20%$1k-Business 12 Month CD
0.15%$1k-6 Month CD
0.15%$1k-Business 6 Month CD
0.10%$1k-3 Month CD
0.10%$1k-Business 3 Month CD

First Bank Financial Centre IRA Rates

DetailsAPYMINMAXPRODUCT
1.30%$2,500-37 Month IRA Special
1.00%$2,500-25 Month IRA Special
0.70%$100-60 Month IRA
0.60%$2,500-15 Month IRA Special
0.55%$100-48 Month IRA
0.35%$100-36 Month IRA
0.30%$100-24 Month IRA
0.20%$100-12 Month IRA
0.15%$100-6 Month IRA
Locations

First Bank Financial Centre has 13 locations. Click to view all First Bank Financial Centre locations.