The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (81 → 82).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Wisconsin

Yes. Badger Bank is an FDIC-insured institution (FDIC certificate #2469). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.1% of deposits ($33.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.40%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Badger Bank lists 4 offices in 4 cities. Most locations:

• Cambridge, WI (1)
• Fort Atkinson, WI (1)
• Jefferson, WI (1)
• Johnson Creek, WI (1)

All branch addresses and map

In 2025, Badger Bank reported 96 home-loan applications under HMDA (LEI 5493003Q218ZJ8R1WN88): 94 originated ($27,520,000 total), 2 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Badger Bank

Former names

Citizens State Bank; Citizens State Bank and Trust

Type

State-chartered bank

FDIC certificate #

2469

RSSD ID

846945

Primary regulator

FDIC

Holding company

Citizens Finl Employee Stk Ownership Plan&tr

Established

January 7, 1884

Headquarters

220 Grant St, Fort Atkinson, WI 53538

Website

www.badgerbank.bank

Employees

38