🏦Bank Scorer

BADGER BANK

FORT ATKINSON, WI · Supervised by FDIC

Est. 1884FDIC #2,469RSSD: FDIC-2469
Part ofCITIZENS FINL EMPLOYEE STK OWNERSHIP PLAN&TR→ View all charters
Satisfactory Same

Current rating · Exam: August 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.28%

Institution Profile

FDIC BankFind

Address

220 Grant St, FORT ATKINSON, WI

County

Jefferson County

Established

January 7, 1884

Total Assets

$209M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$209M

Total Deposits

$173M

Net Loans

$141M

Net Income

$668K

ROA

1.28%

ROE

12.11%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate1.72%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$166M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245896.55%1.72%
20237596%1.33%
202211693.1%1.72%
202124390.95%2.47%
202064388.49%1.87%
201915093.33%2.00%
201814391.61%6.99%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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