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This institution is no longer active

Operations ceased on January 2, 2025. CRA examination history below reflects the period it was active.

WISCONSIN RIVER BANK

SAUK CITY, WI · Supervised by FDIC

Est. 1994FDIC #33,880RSSD: FDIC-33880
Part ofRIVER HOLDING CO→ View all charters
Satisfactory Same

Current rating · Exam: March 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.58%

Institution Profile

FDIC BankFind

Address

608 Phillips Blvd, SAUK CITY, WI

County

Sauk County

Established

February 21, 1994

Total Assets

$180M(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

March 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2024Call Report / FDIC

Total Assets

$180M

Total Deposits

$146M

Net Loans

$137M

Net Income

$1M

ROA

0.58%

ROE

4.08%

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 Rate2.63%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243889.47%2.63%
20233076.67%3.33%
20228879.55%11.36%
202112382.93%12.20%
202011883.05%7.63%
201919578.46%13.85%
201818281.32%10.44%

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

5 previous ratings locked — dating back to 1995

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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