Bank of Milton: how it compares with its peers
Against 67 WI banks with half to twice its assets, Bank of Milton's strongest measure in Q2 2026 is efficiency ratio (50.20% vs. a 61.89% peer median). Its weakest relative measure is net interest margin (4.13% vs. 3.90%).
| Measure | Bank of Milton | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.55% | 1.27% | Top third Ahead of 73% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.13% | 3.90% | Top third Ahead of 67% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.20% | 61.89% | Top third Ahead of 82% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.5M | $7.0M | Top third Ahead of 78% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.46% | 83.25% | Context |
What it means for lending operations
Its efficiency ratio of 50.20% is better than the 61.89% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Crossbridge Community Bank Tomahawk, WI · $217M
- Community Bank of Cameron Cameron, WI · $227M
- The Portage County Bank Almond, WI · $210M
- Great North Bank Florence, WI · $233M
- Paper City Savings Bank, S.A. Wisconsin Rapids, WI · $208M
- Badger Bank Fort Atkinson, WI · $206M
Questions about Bank of Milton
How big is Bank of Milton?
Bank of Milton, established in 1884, is headquartered in Milton, WI. It reported $221M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Bank of Milton's return on assets?
1.55% annualized in Q2 2026, against a 1.27% median for 67 WI banks with half to twice its assets, ahead of 73% of them.
What is Bank of Milton's efficiency ratio?
50.20% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 61.89%, and lower is better.
Is Bank of Milton growing its loans?
Net loans grew 6.0% over the year to Q2 2026, while deposits grew 6.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.