TellerScore

Headquartered in Bangor, Wisconsin, The First National Bank of Bangor is a national bank with $363.7M in total assets and $225.6M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1903.

Based on its Q2 2026 filing, The First National Bank of Bangor scores 83/100, which we describe as strong. That is higher than 84% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 28th. Its strongest component is capital cushion (100/100; 31.61%), and its lowest is funding & liquidity (44/100; 135% loans-to-deposits, 21% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 31.61%
Loan quality68/100
Noncurrent loans ÷ total loans: 0.95%
Earnings100/100
Return on assets (annualized): 3.38%
Funding & liquidity44/100
Loans ÷ deposits and uninsured-deposit share: 135.3% · 20.8% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.65%

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 fell 3 points (86 → 83), mostly because the loan quality component weakened by 11 points.

TellerScore
838791Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202491
Q3 202491
Q4 202490
Q1 202589
Q2 202586
Q3 202586
Q4 202583
Q1 202686
Q2 202683
Tier 1 leverage ratio
5.00%18.31%31.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202426.89%
Q3 202427.12%
Q4 202428.45%
Q1 202528.37%
Q2 202529.09%
Q3 202529.61%
Q4 202529.71%
Q1 202630.44%
Q2 202631.61%
Noncurrent loans
0.03%0.49%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.06%
Q3 20240.03%
Q4 20240.03%
Q1 20250.31%
Q2 20250.63%
Q3 20250.61%
Q4 20250.88%
Q1 20260.59%
Q2 20260.95%
Return on assets
2.56%2.97%3.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.56%
Q3 20242.65%
Q4 20243.07%
Q1 20253.22%
Q2 20253.19%
Q3 20253.27%
Q4 20253.12%
Q1 20263.36%
Q2 20263.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$363.7M31.61%0.95%3.38%135.3%
Q1 202686$359.4M30.44%0.59%3.36%141.0%
Q4 202583$381.8M29.71%0.88%3.12%126.0%
Q3 202586$364.0M29.61%0.61%3.27%138.3%
Q2 202586$355.2M29.09%0.63%3.19%138.7%
Q1 202589$352.7M28.37%0.31%3.22%139.8%
Q4 202490$356.0M28.45%0.03%3.07%124.8%
Q3 202491$344.3M27.12%0.03%2.65%133.5%
Q2 202491$340.1M26.89%0.06%2.56%130.3%

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 ratio31.61%
99th
Total risk-based capital0.00%
24th
Problem loans0.95%
29th
Net charge-offs0.00%
68th
Return on assets3.38%
99th
Net interest margin5.19%
94th
Efficiency ratio16.9%
100th
Loans to deposits135.3%
0th
Uninsured deposits20.8%
61st
Loan-loss reserves0.67%
7th
Texas ratio2.7%
50th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Shell Lake State BankBank Shell Lake, WI85 out of 100, Very strong$361.8M12.3%0.03%vs
West Pointe BankBank Oshkosh, WI84 out of 100, Strong$368.8M19.4%0.91%vs
Sterling BankBank Barron, WI77 out of 100, Strong$352.4M9.4%0.02%vs
Waumandee State BankBank Waumandee, WI67 out of 100, Moderate$345.5M9.4%0.60%vs
First National Community BankBank New Richmond, WI71 out of 100, Strong$345.3M9.4%0.16%vs
Citizens First BankBank Viroqua, WI75 out of 100, Strong$344.5M10.3%0.44%vs

Deposit insurance

Is my money safe at The First National Bank of Bangor?

Yes. The First National Bank of Bangor is an FDIC-insured institution (FDIC certificate #5337). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.8% of deposits ($46.9M) 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 31.61%, 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%).

Check how much of your own balance is covered

5 locations

Branches

The First National Bank of Bangor lists 5 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The First National Bank of Bangor reported 132 home-loan applications under HMDA (LEI 549300C0NMWZNSX3W048): 129 originated ($30,205,000 total), 3 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.3%, 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
The First National Bank of Bangor
Type
National bank
FDIC certificate #
5337
RSSD ID
627854
Primary regulator
OCC
Holding company
Bosshard Financial Group Inc
Established
July 1, 1903
Headquarters
1798 Commercial St, Bangor, WI 54614
Employees
24

Quick answers

The First National Bank of Bangor: common questions

Is The First National Bank of Bangor FDIC insured?

Yes. The First National Bank of Bangor is an FDIC-insured institution (FDIC certificate #5337). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Bangor's TellerScore?

83 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 The First National Bank of Bangor ever failed?

There is no failure record for FDIC certificate #5337 in the FDIC failed bank list.

How many branches does The First National Bank of Bangor have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bangor

InstitutionScoreAssetsCapitalProblem loansCompare
Bluff View BankBank Galesville, WI90 out of 100, Very strong$152.8M14.9%0.00%vs
Firefighters Credit UnionCredit union Onalaska, WI83 out of 100, Strong$133.0M16.1%0.57%vs
Union State BankBank West Salem, WI82 out of 100, Strong$117.6M12.2%0.14%vs
Gundersen Credit UnionCredit union LA Crosse, WI82 out of 100, Strong$85.3M13.8%0.07%vs
Bank of CashtonBank Cashton, WI79 out of 100, Strong$146.1M10.9%0.00%vs
Altra Federal Credit UnionCredit union Onalaska, WI78 out of 100, Strong$3.1B12.7%0.46%vs