Black River Country Bank: how it compares with its peers
Against 29 WI banks with half to twice its assets, Black River Country Bank's strongest measure in Q2 2026 is return on assets (1.38% vs. a 1.16% peer median). Its weakest relative measure is assets per employee ($4.8M vs. $6.7M).
| Measure | Black River Country Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.38% | 1.16% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.11% | 3.80% | Top third Ahead of 69% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.01% | 67.76% | Middle third Ahead of 52% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $6.7M | Bottom third Ahead of 17% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.24% | 81.63% | Context |
What it means for lending operations
Its efficiency ratio of 65.01% is better than the 67.76% 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
- The International Bank of Amherst Amherst, WI · $104M
- Superior Savings Bank Superior, WI · $99M
- Community First Bank Rosholt, WI · $98M
- Ladysmith Federal Savings and Loan Association Ladysmith, WI · $93M
- Richland County Bank Richland Center, WI · $114M
- Union State Bank West Salem, WI · $118M
Questions about Black River Country Bank
How big is Black River Country Bank?
Black River Country Bank, established in 1907, is headquartered in Black River Falls, WI. It reported $102M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Black River Country Bank's return on assets?
1.38% annualized in Q2 2026, against a 1.16% median for 29 WI banks with half to twice its assets, ahead of 69% of them.
What is Black River Country Bank's efficiency ratio?
65.01% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 67.76%, and lower is better.
Is Black River Country Bank growing its loans?
Net loans grew 4.2% over the year to Q2 2026, while deposits grew 2.5%.
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.