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Bank of Ontario

under $100M Specialty: Agricultural WI FDIC cert 21085

Designations: ✓ Community bank

Ontario, WI

3 branches across WI

537 banks in the under $100M peer group nationally 11 in WI
View under $100M leaderboard (WI) →

Bank of Ontario has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.10% above tier average
  • + Net Interest Margin 1.02% above tier average
  • + Efficiency Ratio 22.61% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 7.54% above tier average
  • - Nonperforming Asset Ratio 6.37% above tier average
Get updates when Bank of Ontario releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $80.6M
+0.3% YoY -1.2% QoQ
+$18.3M $62.3M
-0.5% YoY
$1.1B
+10.1% YoY
$6.2B
+9.0% YoY
71%
Total Loans ? $64.7M
-5.1% YoY -1.1% QoQ
+$30.4M $34.3M
-1.5% YoY
$816.7M
+9.9% YoY
$3.2B
+10.7% YoY
Top 8.2% in tier
Total Deposits ? $68.0M
+1.1% YoY -0.2% QoQ
+$16.2M $51.8M
-0.6% YoY
$905.4M
+9.0% YoY
$4.8B
+8.0% YoY
71%
Return on Assets ? 0.96%
-45.2% YoY -28.5% QoQ
+0.10% 0.86%
-3.6% YoY
1.50%
+15.4% YoY
1.24%
+13.1% YoY
50%
Net Interest Margin ? 4.89%
-5.3% YoY -4.1% QoQ
+1.02% 3.87%
+2.7% YoY
3.77%
+9.2% YoY
3.89%
+5.7% YoY
Top 12.8% in tier
Efficiency Ratio ? 65.02%
+7.9% YoY +1.9% QoQ
-22.61% 87.63%
+2.3% YoY
64.74%
-4.5% YoY
66.84%
-3.8% YoY
64%
Delinquency Rate ? 8.90%
+73.3% YoY +1.7% QoQ
+7.54% 1.36%
+33.7% YoY
0.87%
+31.3% YoY
0.95%
+18.8% YoY
Bottom 2.1% in tier
Loan-to-Deposit Ratio ? 95.12%
-6.1% YoY -0.9% QoQ
+31.01% 64.11%
-0.9% YoY
86.53%
+1.6% YoY
76.69%
+0.9% YoY
Bottom 11.4% in tier
Non-Interest-Bearing Deposit Share ? 20.64%
-6.3% YoY -4.1% QoQ
-3.15% 23.79%
+0.5% YoY
18.27%
-0.8% YoY
22.01%
-1.1% YoY
40%
Nonperforming Asset Ratio ? 7.14%
+64.0% YoY +1.8% QoQ
+6.37% 0.77%
+28.7% YoY
0.63%
+35.0% YoY
0.66%
+19.3% YoY
Bottom 0.9% in tier
Tier 1 Capital Ratio ? 13.85%
+4.7% YoY +0.1% QoQ
-12.92% 26.77%
+2.0% YoY
14.74%
+0.5% YoY
17.06%
+0.8% YoY
38%
Non-Interest Income / Assets ? 0.07%
-39.3% YoY -84.5% QoQ
-0.60% 0.67%
+1.6% YoY
1.15%
+12.5% YoY
0.32%
+4.0% YoY
53%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 537 peers in under $100M

Top Strengths (2 metrics)

45
Total Loans
size
Value: $64.67M
Peer Median: $34.29M
#45 of 537 Top 8.2% in under $100M
70
Net Interest Margin
profitability
Value: 4.89%
Peer Median: 3.87%
#70 of 537 Top 12.8% in under $100M

Top Weaknesses (3 metrics)

533
Nonperforming Asset Ratio
credit_quality
Value: 7.14%
Peer Median: 0.77%
#533 of 537 Bottom 0.9% in under $100M
507
Delinquency Rate
credit_quality
Value: 8.90%
Peer Median: 1.36%
#507 of 517 Bottom 2.1% in under $100M
477
Loan-to-Deposit Ratio
liquidity
Value: 95.12%
Peer Median: 64.11%
#477 of 537 Bottom 11.4% in under $100M
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