Bank of Ontario (FDIC certificate #21085) is based in Ontario, Wisconsin. Its Q2 2026 call report shows $79.0M in total assets and $67.4M in deposits and 3 offices.
Based on its Q2 2026 filing, Bank of Ontario scores 51/100, which we describe as below average. That is higher than only 10% of 546 banks with under $100 million in assets. Among 154 banks headquartered in Wisconsin, it ranks 144th. Its strongest component is capital cushion (89/100; 13.85%), and its lowest is loan quality (0/100; 8.53%).
TellerScore · Q2 2026
Scorecard
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 (51 → 51).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 56 |
| Q4 2024 | 58 |
| Q1 2025 | 55 |
| Q2 2025 | 51 |
| Q3 2025 | 49 |
| Q4 2025 | 51 |
| Q1 2026 | 49 |
| Q2 2026 | 51 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.13% |
| Q3 2024 | 12.36% |
| Q4 2024 | 12.83% |
| Q1 2025 | 13.23% |
| Q2 2025 | 13.34% |
| Q3 2025 | 13.21% |
| Q4 2025 | 13.83% |
| Q1 2026 | 13.85% |
| Q2 2026 | 13.85% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.63% |
| Q3 2024 | 3.44% |
| Q4 2024 | 3.31% |
| Q1 2025 | 5.04% |
| Q2 2025 | 6.50% |
| Q3 2025 | 8.51% |
| Q4 2025 | 8.61% |
| Q1 2026 | 8.73% |
| Q2 2026 | 8.53% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.45% |
| Q3 2024 | 2.52% |
| Q4 2024 | 2.54% |
| Q1 2025 | 1.75% |
| Q2 2025 | 1.26% |
| Q3 2025 | 1.28% |
| Q4 2025 | 1.34% |
| Q1 2026 | 0.96% |
| Q2 2026 | 1.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $79.0M | 13.85% | 8.53% | 1.16% | 94.8% |
| Q1 2026 | 49 | $80.6M | 13.85% | 8.73% | 0.96% | 95.1% |
| Q4 2025 | 51 | $81.6M | 13.83% | 8.61% | 1.34% | 96.0% |
| Q3 2025 | 49 | $80.3M | 13.21% | 8.51% | 1.28% | 97.0% |
| Q2 2025 | 51 | $81.8M | 13.34% | 6.50% | 1.26% | 93.8% |
| Q1 2025 | 55 | $80.3M | 13.23% | 5.04% | 1.75% | 101.3% |
| Q4 2024 | 58 | $81.8M | 12.83% | 3.31% | 2.54% | 101.6% |
| Q3 2024 | 56 | $83.6M | 12.36% | 3.44% | 2.52% | 100.7% |
| Q2 2024 | 58 | $81.7M | 12.13% | 2.63% | 2.45% | 105.8% |
546 peers · Under $100 million in assets
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).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hustisford State BankBank Hustisford, WI | 84 out of 100, Strong | $80.3M | 15.2% | 0.22% | vs |
| Park Bank, National AssociationBank Holmen, WI | 63 out of 100, Moderate | $76.5M | 14.3% | 2.23% | vs |
| Mayville Savings BankBank Mayville, WI | 86 out of 100, Very strong | $84.2M | 13.4% | 0.32% | vs |
| Independence State BankBank Independence, WI | 75 out of 100, Strong | $84.2M | 10.4% | 0.00% | vs |
| Ladysmith Federal Savings and Loan AssociationBank Ladysmith, WI | 45 out of 100, Below average | $93.2M | 9.2% | 2.03% | vs |
| Community First BankBank Rosholt, WI | 75 out of 100, Strong | $97.6M | 11.0% | 0.00% | vs |
Deposit insurance
Is my money safe at Bank of Ontario?
Yes. Bank of Ontario is an FDIC-insured institution (FDIC certificate #21085). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 8.0% of deposits ($5.4M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.85%, 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%).
3 locations
Branches
Bank of Ontario lists 3 offices in 3 cities. Most locations:
- Genoa, WI (1)
- Ontario, WI (1)
- Westby, WI (1)
HMDA 2025
Mortgage lending
In 2025, Bank of Ontario reported 60 home-loan applications under HMDA (LEI 254900MZW8UJ32XU2802): 53 originated ($5,175,000 total), 7 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.7%, 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.
Identity & history
Profile
- Legal name
- Bank of Ontario
- Type
- State-chartered bank
- FDIC certificate #
- 21085
- RSSD ID
- 37341
- Primary regulator
- FDIC
- Holding company
- Ontario Bcorp Inc
- Established
- September 23, 1911
- Headquarters
- 315 Main St, Ontario, WI 54651
- Website
- www.myvernoncountybank.com
- Employees
- 15
Quick answers
Bank of Ontario: common questions
Is Bank of Ontario FDIC insured?
Yes. Bank of Ontario is an FDIC-insured institution (FDIC certificate #21085). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Ontario's TellerScore?
51 out of 100 (Below average), 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 Ontario ever failed?
There is no failure record for FDIC certificate #21085 in the FDIC failed bank list.
How many branches does Bank of Ontario have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ontario
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Oakdale Credit UnionCredit union Oakdale, WI | 95 out of 100, Very strong | $132.4M | 13.3% | 0.00% | vs |
| Tomah Area Credit UnionCredit union Tomah, WI | 83 out of 100, Strong | $125.9M | 12.4% | 0.49% | vs |
| Peoples State BankBank Prairie Du Chien, WI | 80 out of 100, Strong | $993.0M | 11.5% | 0.21% | vs |
| Bank of CashtonBank Cashton, WI | 79 out of 100, Strong | $146.1M | 10.9% | 0.00% | vs |
| Royal BankBank Elroy, WI | 79 out of 100, Strong | $816.1M | 10.5% | 0.06% | vs |
| Westby Co-Op Credit UnionCredit union Westby, WI | 77 out of 100, Strong | $1.0B | 15.6% | 1.44% | vs |