TellerScore

Bank of Deerfield is a state-chartered bank headquartered in Deerfield, Wisconsin, in business for about 139 years. At the end of Q2 2026 it reported $268.3M in total assets and $230.5M in deposits, with 2 offices.

Based on its Q2 2026 filing, Bank of Deerfield scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 64th. Its strongest component is problem-loan coverage (98/100; 1.0%), and its lowest is capital cushion (55/100; 10.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.49%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.13%
Earnings82/100
Return on assets (annualized): 1.55%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 100.2% · 15.5% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.00%

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.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 76).

TellerScore
697377Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202471
Q4 202471
Q1 202573
Q2 202577
Q3 202576
Q4 202575
Q1 202675
Q2 202676
Tier 1 leverage ratio
5.00%7.84%10.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.51%
Q3 202410.51%
Q4 202410.14%
Q1 202510.51%
Q2 202510.68%
Q3 202510.52%
Q4 202510.23%
Q1 202610.43%
Q2 202610.49%
Noncurrent loans
0.12%0.33%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.54%
Q3 20240.44%
Q4 20240.44%
Q1 20250.30%
Q2 20250.13%
Q3 20250.12%
Q4 20250.12%
Q1 20260.12%
Q2 20260.13%
Return on assets
1.43%1.56%1.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.43%
Q3 20241.48%
Q4 20241.59%
Q1 20251.56%
Q2 20251.68%
Q3 20251.68%
Q4 20251.65%
Q1 20261.64%
Q2 20261.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$268.3M10.49%0.13%1.55%100.2%
Q1 202675$261.5M10.43%0.12%1.64%103.8%
Q4 202575$261.2M10.23%0.12%1.65%103.2%
Q3 202576$253.7M10.52%0.12%1.68%104.2%
Q2 202577$238.5M10.68%0.13%1.68%102.8%
Q1 202573$234.1M10.51%0.30%1.56%103.3%
Q4 202471$233.2M10.14%0.44%1.59%103.3%
Q3 202471$229.8M10.51%0.44%1.48%107.4%
Q2 202469$226.1M10.51%0.54%1.43%107.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

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

Capital ratio10.49%
41st
Total risk-based capital14.20%
63rd
Problem loans0.13%
71st
Net charge-offs-0.00%
77th
Return on assets1.55%
68th
Net interest margin4.09%
58th
Efficiency ratio61.3%
53rd
Loans to deposits100.2%
10th
Uninsured deposits15.5%
80th
Loan-loss reserves1.27%
59th
Texas ratio1.0%
69th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Pillar BankBank Baldwin, WI62 out of 100, Moderate$267.0M10.0%0.92%vs
Alliance BankBank Mondovi, WI72 out of 100, Strong$266.0M9.0%0.58%vs
East Wisconsin Savings BankBank Kaukauna, WI53 out of 100, Below average$265.8M7.1%0.06%vs
Marathon BankBank Wausau, WI82 out of 100, Strong$261.1M15.3%0.03%vs
Ergo BankBank Markesan, WI44 out of 100, Below average$276.7M8.4%1.74%vs
The Farmers State Bank of WaupacaBank Waupaca, WI84 out of 100, Strong$279.5M11.6%0.00%vs

Deposit insurance

Is my money safe at Bank of Deerfield?

Yes. Bank of Deerfield is an FDIC-insured institution (FDIC certificate #2477). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.5% of deposits ($35.7M) 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 10.49%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.20% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Bank of Deerfield lists 2 offices in 1 city. Most locations:

  • Deerfield, WI (2)

All branch addresses and map

Identity & history

Profile

Legal name
Bank of Deerfield
Type
State-chartered bank
FDIC certificate #
2477
RSSD ID
588245
Primary regulator
FDIC
Holding company
Deerfield Financial Corp
Established
January 1, 1887
Headquarters
15 S Main St, Deerfield, WI 53531
Employees
34

Quick answers

Bank of Deerfield: common questions

Is Bank of Deerfield FDIC insured?

Yes. Bank of Deerfield is an FDIC-insured institution (FDIC certificate #2477). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Deerfield's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Deerfield ever failed?

There is no failure record for FDIC certificate #2477 in the FDIC failed bank list.

How many branches does Bank of Deerfield have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Deerfield

InstitutionScoreAssetsCapitalProblem loansCompare
Mississippi Public Employees Federal Credit UnionCredit union Jackson, MS97 out of 100, Very strong$29.2M18.1%0.10%vs
Madison Fire Department Credit UnionCredit union Madison, WI90 out of 100, Very strong$5.5M19.9%0.00%vs
First Citizens State BankBank Whitewater, WI90 out of 100, Very strong$525.2M18.0%0.00%vs
Badger BankBank Fort Atkinson, WI82 out of 100, Strong$206.0M12.4%0.07%vs
Capitol BankBank Madison, WI79 out of 100, Strong$565.3M12.4%0.02%vs
Wea Credit UnionCredit union Madison, WI79 out of 100, Strong$43.2M11.7%0.15%vs