TellerScore

Bristol Morgan Bank is a state-chartered bank (fed member) headquartered in Oakfield, Wisconsin, in business for about 125 years. At the end of Q2 2026 it reported $191.2M in total assets and $157.1M in deposits, with 4 offices.

Bristol Morgan Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 113th. Problem-loan coverage contributes the most (94/100, 3.1%); capital cushion contributes the least (53/100, 10.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.25%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.43%
Earnings56/100
Return on assets (annualized): 0.91%
Funding & liquidity55/100
Loans ÷ deposits and uninsured-deposit share: 97.4% · 22.3% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.07%

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 (64 → 66), mostly because the loan quality component improved by 6 points.

TellerScore
365166Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202443
Q3 202436
Q4 202463
Q1 202564
Q2 202564
Q3 202566
Q4 202564
Q1 202662
Q2 202666
Tier 1 leverage ratio
5.00%8.21%11.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202411.42%
Q3 202410.74%
Q4 202410.72%
Q1 202511.00%
Q2 202510.82%
Q3 202510.85%
Q4 202510.25%
Q1 202610.24%
Q2 202610.25%
Noncurrent loans
0.42%1.76%3.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20242.54%
Q3 20243.11%
Q4 20240.46%
Q1 20250.63%
Q2 20250.61%
Q3 20250.44%
Q4 20250.42%
Q1 20260.54%
Q2 20260.43%
Return on assets
0.30%0.61%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.30%
Q3 20240.33%
Q4 20240.50%
Q1 20250.69%
Q2 20250.82%
Q3 20250.75%
Q4 20250.84%
Q1 20260.61%
Q2 20260.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$191.2M10.25%0.43%0.91%97.4%
Q1 202662$192.9M10.24%0.54%0.61%105.2%
Q4 202564$191.7M10.25%0.42%0.84%104.2%
Q3 202566$180.8M10.85%0.44%0.75%106.5%
Q2 202564$176.8M10.82%0.61%0.82%109.7%
Q1 202564$166.9M11.00%0.63%0.69%108.7%
Q4 202463$173.5M10.72%0.46%0.50%105.3%
Q3 202436$171.5M10.74%3.11%0.33%104.4%
Q2 202443$159.2M11.42%2.54%0.30%111.6%

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 ratio10.25%
37th
Total risk-based capital15.03%
68th
Problem loans0.43%
49th
Net charge-offs-0.02%
93rd
Return on assets0.91%
29th
Net interest margin4.23%
67th
Efficiency ratio72.7%
24th
Loans to deposits97.4%
13th
Uninsured deposits22.3%
56th
Loan-loss reserves1.13%
43rd
Texas ratio3.1%
47th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Badger BankBank Fort Atkinson, WI82 out of 100, Strong$206.0M12.4%0.07%vs
The Bank of KaukaunaBank Kaukauna, WI66 out of 100, Moderate$176.3M8.9%0.00%vs
Farmers & Merchants Bank & TrustBank Marinette, WI68 out of 100, Moderate$175.1M11.4%0.91%vs
Paper City Savings Bank, S.A.Bank Wisconsin Rapids, WI79 out of 100, Strong$208.3M16.1%0.68%vs
The Portage County BankBank Almond, WI83 out of 100, Strong$210.1M12.7%0.10%vs
State Bank of ReesevilleBank Reeseville, WI68 out of 100, Moderate$169.5M9.6%0.01%vs

Deposit insurance

Is my money safe at Bristol Morgan Bank?

Yes. Bristol Morgan Bank is an FDIC-insured institution (FDIC certificate #9523). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.3% of deposits ($35.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.03% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Bristol Morgan Bank lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bristol Morgan Bank reported 91 home-loan applications under HMDA (LEI 549300GNGK57UA6SFP52): 85 originated ($25,245,000 total), 1 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.1%, 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.

Identity & history

Profile

Legal name
Bristol Morgan Bank
Former names
Bank of Oakfield
Type
State-chartered bank (Fed member)
FDIC certificate #
9523
RSSD ID
807348
Primary regulator
FED
Holding company
Oakfield Bcorp Inc
Established
January 1, 1901
Headquarters
103 S Main St, Oakfield, WI 53065
Employees
33

Quick answers

Bristol Morgan Bank: common questions

Is Bristol Morgan Bank FDIC insured?

Yes. Bristol Morgan Bank is an FDIC-insured institution (FDIC certificate #9523). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bristol Morgan Bank's TellerScore?

66 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 Bristol Morgan Bank ever failed?

There is no failure record for FDIC certificate #9523 in the FDIC failed bank list.

How many branches does Bristol Morgan Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Oakfield

InstitutionScoreAssetsCapitalProblem loansCompare
State Bank of NewburgBank Newburg, WI93 out of 100, Very strong$328.1M17.3%0.00%vs
National Exchange Bank and TrustBank Fond Du Lac, WI88 out of 100, Very strong$2.9B20.1%0.37%vs
Fond Du Lac Credit UnionCredit union Fond du Lac, WI87 out of 100, Very strong$84.9M13.6%0.35%vs
Mayville Savings BankBank Mayville, WI86 out of 100, Very strong$84.2M13.4%0.32%vs
Community First Credit UnionCredit union Appleton, WI84 out of 100, Strong$6.8B12.8%0.14%vs
Fox Valley Savings BankBank Fond Du Lac, WI79 out of 100, Strong$387.3M15.4%0.33%vs