Bank of Ontario: how it compares with its peers
Against 24 WI banks with half to twice its assets, Bank of Ontario's strongest measure in Q2 2026 is net interest margin (5.07% vs. a 3.70% peer median). Its weakest relative measure is assets per employee ($5.3M vs. $6.8M).
| Measure | Bank of Ontario | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.16% | 1.27% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.07% | 3.70% | Top third Ahead of 96% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.32% | 66.02% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $6.8M | Bottom third Ahead of 25% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.82% | 79.62% | Context |
What it means for lending operations
Its efficiency ratio of 61.32% is better than the 66.02% 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
- Hustisford State Bank Hustisford, WI · $80M
- Park Bank, National Association Holmen, WI · $76M
- Mayville Savings Bank Mayville, WI · $84M
- Independence State Bank Independence, WI · $84M
- Ladysmith Federal Savings and Loan Association Ladysmith, WI · $93M
Questions about Bank of Ontario
How big is Bank of Ontario?
Bank of Ontario, established in 1911, is headquartered in Ontario, WI. It reported $79M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bank of Ontario's return on assets?
1.16% annualized in Q2 2026, against a 1.27% median for 24 WI banks with half to twice its assets, ahead of 38% of them.
What is Bank of Ontario's efficiency ratio?
61.32% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 66.02%, and lower is better.
Is Bank of Ontario growing its loans?
Net loans shrank 1.0% over the year to Q2 2026, while deposits shrank 2.1%.
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.