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Overview / Commentary
806 East Exchange
Brodhead, WI 53520

The Bank of Brodhead is headquartered in Brodhead and is the 148th largest bank in the state of Wisconsin. It is also the 3,866th largest bank in the nation. It was established in 1896 and as of March of 2014, it had grown to 29 employees at 1 location. The Bank of Brodhead has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


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 March 31, 2014 The Bank of Brodhead had $123,000 in non-current loans and owned real-estate with $19.76 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Brodhead a Texas Ratio of 0.62% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The Bank of Brodhead decreased slightly from 0.83% as of March 31, 2013 to 0.62% as of March 31, 2014, resulting in a positive change of 25.40%.This indicates that the balance sheet and financial strength for The Bank of Brodhead has improved slightly in recent periods.

Deposit Growth


In the past year, The Bank of Brodhead has increased its total deposits by $1.86 million, resulting in 1.63% 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 The Bank of Brodhead has shown is above average.



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. The Bank of Brodhead has $141.26 million in assets with $19.76 million in equity, resulting in a capitalization level of 13.99%, which is excellent.

Institution Statistics

FDIC Certificate #2455
Year Established1896
Primary RegulatorFED
Assets and Liabilities
Assets$141.26 million
Loans$69.05 million
Deposits$116.08 million
Equity Capital$18.71 million
Loan Loss Allowance$1.05 million
Unbacked Noncurrent Loans$123,000
Real Estate Owned$0
Historic Data - March 2013
Assets$138.84 million
Equity Capital$18.36 million
Loan Loss Allowance$929,000
Unbacked Noncurrent Loans$123,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.47%
Return on Assets0.8%
Return on Equity6.12%
Interest Income$1.43 million

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The Bank of Brodhead Savings Account Rates

0.30%$1k-Golden Passbook
0.25%--Passbook Savings
0.25%--Statement Savings

The Bank of Brodhead Money Market Rates

0.25%$100k-Safe Money Market Account

The Bank of Brodhead Checking Account Rates

0.15%$1k-Super Now Account
0.10%$500-Now Account

The Bank of Brodhead CD Rates

1.26%$500-5 Year CD
0.85%$500-4 Year CD
0.70%$500-3 Year CD
0.50%$500-2 1/2 Year CD
0.45%$500-2 Year CD
0.40%$500-1 1/2 Year CD
0.35%$500-1 Year CD
0.20%$500-7-31 Day CD
0.20%$500-91 Day CD
0.20%$500-6 Month CD
0.20%$500-9 Month CD

The Bank of Brodhead IRA Rates

1.25%$500-1 Year Fixed IRA
1.25%$500-2 Year Fixed IRA
1.25%$500-1 Year Variable IRA

The Bank of Brodhead Locations
The Bank Of Brodhead806 East ExchangeBrodhead, WI 53520