Black River Country Bank is a state-chartered bank headquartered in Black River Falls, Wisconsin, in business for about 119 years. At the end of Q2 2026 it reported $101.8M in total assets and $85.2M in deposits, with 2 offices.
Based on its Q2 2026 filing, Black River Country Bank scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 97th. Its strongest component is problem-loan coverage (95/100; 2.5%), and its lowest is capital cushion (39/100; 8.94%).
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 (67 → 69), mostly because the earnings component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 68 |
| Q4 2024 | 69 |
| Q1 2025 | 66 |
| Q2 2025 | 67 |
| Q3 2025 | 69 |
| Q4 2025 | 68 |
| Q1 2026 | 68 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.08% |
| Q3 2024 | 9.24% |
| Q4 2024 | 8.79% |
| Q1 2025 | 9.20% |
| Q2 2025 | 9.24% |
| Q3 2025 | 9.44% |
| Q4 2025 | 8.71% |
| Q1 2026 | 8.81% |
| Q2 2026 | 8.94% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.43% |
| Q3 2025 | 0.44% |
| Q4 2025 | 0.33% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.29% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.85% |
| Q3 2024 | 0.83% |
| Q4 2024 | 0.87% |
| Q1 2025 | 0.93% |
| Q2 2025 | 1.17% |
| Q3 2025 | 1.25% |
| Q4 2025 | 1.32% |
| Q1 2026 | 1.31% |
| Q2 2026 | 1.38% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $101.8M | 8.94% | 0.29% | 1.38% | 92.2% |
| Q1 2026 | 68 | $100.7M | 8.81% | 0.30% | 1.31% | 90.6% |
| Q4 2025 | 68 | $103.2M | 8.71% | 0.33% | 1.32% | 85.7% |
| Q3 2025 | 69 | $101.0M | 9.44% | 0.44% | 1.25% | 87.7% |
| Q2 2025 | 67 | $100.2M | 9.24% | 0.43% | 1.17% | 90.7% |
| Q1 2025 | 66 | $97.8M | 9.20% | 0.35% | 0.93% | 88.2% |
| Q4 2024 | 69 | $101.9M | 8.79% | 0.01% | 0.87% | 85.9% |
| Q3 2024 | 68 | $99.2M | 9.24% | 0.01% | 0.83% | 93.5% |
| Q2 2024 | 68 | $98.5M | 9.08% | 0.01% | 0.85% | 92.9% |
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).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The International Bank of AmherstBank Amherst, WI | 98 out of 100, Very strong | $103.6M | 14.4% | 0.00% | vs |
| Richland County BankBank Richland Center, WI | 96 out of 100, Very strong | $114.1M | 17.8% | 0.00% | vs |
| Union State BankBank West Salem, WI | 82 out of 100, Strong | $117.6M | 12.2% | 0.14% | vs |
| Headwaters State BankBank Land O' Lakes, WI | 47 out of 100, Below average | $122.5M | 11.2% | 6.35% | vs |
| Conservation First BankBank Benton, WI | 82 out of 100, Strong | $127.5M | 14.0% | 0.74% | vs |
| KeySavings BankBank Wisconsin Rapids, WI | 68 out of 100, Moderate | $129.5M | 9.4% | 0.07% | vs |
Deposit insurance
Is my money safe at Black River Country Bank?
Yes. Black River Country Bank is an FDIC-insured institution (FDIC certificate #15152). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.4% of deposits ($14.8M) 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 8.94%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.52% (benchmark: 10%).
2 locations
Branches
Black River Country Bank lists 2 offices in 2 cities. Most locations:
- Black River Falls, WI (1)
- Melrose, WI (1)
Identity & history
Profile
- Legal name
- Black River Country Bank
- Former names
- Bank of Melrose
- Type
- State-chartered bank
- FDIC certificate #
- 15152
- RSSD ID
- 603540
- Primary regulator
- FDIC
- Holding company
- Brad Inc
- Established
- January 1, 1907
- Headquarters
- 221 Main St, Black River Falls, WI 54615
- Website
- www.brcbank.com
- Employees
- 21
Quick answers
Black River Country Bank: common questions
Is Black River Country Bank FDIC insured?
Yes. Black River Country Bank is an FDIC-insured institution (FDIC certificate #15152). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Black River Country Bank's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Black River Country Bank ever failed?
There is no failure record for FDIC certificate #15152 in the FDIC failed bank list.
How many branches does Black River Country Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Black River Falls
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of BangorBank Bangor, WI | 83 out of 100, Strong | $363.7M | 31.6% | 0.95% | vs |
| Firefighters Credit UnionCredit union Onalaska, WI | 83 out of 100, Strong | $133.0M | 16.1% | 0.57% | vs |
| Citizens State Bank of LoyalBank Loyal, WI | 80 out of 100, Strong | $311.5M | 11.5% | 0.00% | vs |
| Altra Federal Credit UnionCredit union Onalaska, WI | 78 out of 100, Strong | $3.1B | 12.7% | 0.46% | vs |
| Alliance BankBank Mondovi, WI | 72 out of 100, Strong | $266.0M | 9.0% | 0.58% | vs |
| Co-Op Credit UnionCredit union Black River Fal, WI | 70 out of 100, Strong | $626.8M | 11.6% | 0.80% | vs |