Headquartered in Wisconsin Dells, Wisconsin, Bank of Wisconsin Dells is a state-chartered bank with $1.1B in total assets and $927.8M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1910.
Based on its Q2 2026 filing, Bank of Wisconsin Dells scores 79/100, which we describe as strong. That is higher than 88% of 897 banks with $1 billion – $10 billion. Among 154 banks headquartered in Wisconsin, it ranks 48th. Its strongest component is problem-loan coverage (99/100; 0.6%), and its lowest is funding & liquidity (36/100; 89% loans-to-deposits, 46% uninsured).
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
From Q2 2025 to Q2 2026, the score rose 2 points (77 → 79), mostly because the funding & liquidity component weakened by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 73 |
| Q4 2024 | 74 |
| Q1 2025 | 77 |
| Q2 2025 | 77 |
| Q3 2025 | 78 |
| Q4 2025 | 77 |
| Q1 2026 | 78 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.85% |
| Q3 2024 | 11.01% |
| Q4 2024 | 11.35% |
| Q1 2025 | 11.57% |
| Q2 2025 | 11.74% |
| Q3 2025 | 11.92% |
| Q4 2025 | 11.80% |
| Q1 2026 | 11.77% |
| Q2 2026 | 12.12% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.15% |
| Q4 2024 | 0.14% |
| Q1 2025 | 0.13% |
| Q2 2025 | 0.14% |
| Q3 2025 | 0.12% |
| Q4 2025 | 0.12% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.09% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.00% |
| Q3 2024 | 1.14% |
| Q4 2024 | 1.19% |
| Q1 2025 | 1.51% |
| Q2 2025 | 1.52% |
| Q3 2025 | 1.65% |
| Q4 2025 | 1.60% |
| Q1 2026 | 1.77% |
| Q2 2026 | 1.75% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $1.1B | 12.12% | 0.09% | 1.75% | 89.5% |
| Q1 2026 | 78 | $1.1B | 11.77% | 0.10% | 1.77% | 87.7% |
| Q4 2025 | 77 | $1.1B | 11.80% | 0.12% | 1.60% | 92.3% |
| Q3 2025 | 78 | $1.0B | 11.92% | 0.12% | 1.65% | 92.3% |
| Q2 2025 | 77 | $1.0B | 11.74% | 0.14% | 1.52% | 93.2% |
| Q1 2025 | 77 | $1.0B | 11.57% | 0.13% | 1.51% | 89.5% |
| Q4 2024 | 74 | $961.0M | 11.35% | 0.14% | 1.19% | 87.2% |
| Q3 2024 | 73 | $963.4M | 11.01% | 0.15% | 1.14% | 86.7% |
| Q2 2024 | 71 | $977.6M | 10.85% | 0.15% | 1.00% | 89.1% |
897 peers · $1 billion – $10 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).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ixonia BankBank Ixonia, WI | 67 out of 100, Moderate | $1.1B | 10.0% | 0.25% | vs |
| Great Midwest Bank, S.S.B.Bank Brookfield, WI | 80 out of 100, Strong | $1.1B | 16.5% | 0.56% | vs |
| Bank CmgBank Madison, WI | 65 out of 100, Moderate | $1.1B | 9.6% | 0.24% | vs |
| Security Financial BankBank Durand, WI | 61 out of 100, Moderate | $1.0B | 9.7% | 1.44% | vs |
| Prevail BankBank Medford, WI | 74 out of 100, Strong | $1.0B | 12.6% | 0.20% | vs |
| River BankBank Stoddard, WI | 73 out of 100, Strong | $1.0B | 12.0% | 0.16% | vs |
Deposit insurance
Is my money safe at Bank of Wisconsin Dells?
Yes. Bank of Wisconsin Dells is an FDIC-insured institution (FDIC certificate #15136). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 46.4% of deposits ($430.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.12%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.23% (benchmark: 10%).
3 locations
Branches
Bank of Wisconsin Dells lists 3 offices in 2 cities. Most locations:
- Wisconsin Dells, WI (2)
- Portage, WI (1)
HMDA 2025
Mortgage lending
In 2025, Bank of Wisconsin Dells reported 56 home-loan applications under HMDA (LEI 549300SK86EFHGUY2C52): 39 originated ($12,775,000 total), 6 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.8%, 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 Wisconsin Dells
- Former names
- Farmers and Merchants State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15136
- RSSD ID
- 894348
- Primary regulator
- FDIC
- Holding company
- Dells Bancshares Inc
- Established
- February 26, 1910
- Headquarters
- 716 Superior St, Wisconsin Dells, WI 53965
- Website
- www.dellsbank.bank
- Employees
- 98
Quick answers
Bank of Wisconsin Dells: common questions
Is Bank of Wisconsin Dells FDIC insured?
Yes. Bank of Wisconsin Dells is an FDIC-insured institution (FDIC certificate #15136). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Wisconsin Dells's TellerScore?
79 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 Wisconsin Dells ever failed?
There is no failure record for FDIC certificate #15136 in the FDIC failed bank list.
How many branches does Bank of Wisconsin Dells have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Wisconsin Dells
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of MaustonBank Mauston, WI | 96 out of 100, Very strong | $426.7M | 14.8% | 0.19% | vs |
| Oakdale Credit UnionCredit union Oakdale, WI | 95 out of 100, Very strong | $132.4M | 13.3% | 0.00% | vs |
| National Exchange Bank and TrustBank Fond Du Lac, WI | 88 out of 100, Very strong | $2.9B | 20.1% | 0.37% | vs |
| Baraboo State BankBank Baraboo, WI | 84 out of 100, Strong | $569.6M | 11.7% | 0.01% | vs |
| Royal BankBank Elroy, WI | 79 out of 100, Strong | $816.1M | 10.5% | 0.06% | vs |
| Community First BankBank Boscobel, WI | 78 out of 100, Strong | $634.1M | 11.0% | 0.32% | vs |