Bank of Lake Mills
Lake Mills, WI·RSSD 477349·FDIC 8695·bank:477349·Risk-based ratios where reported
- #63 of 155Total assets in Wisconsin
- 2offices
- 39employees
- Top 1%Margin improvement in the U.S.
- Top 1%Net interest margin vs. peers
- Top 1%Return on assets vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Bank of Lake Mills
11 of 23 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Fee and other noninterest income among the lowest of similar banksWorth a look: Earnings 2nd quarter-0.28%peers 0.45%-73 bps
Bank of Lake Mills's noninterest income relative to average assets was -0.28%, compared with a median of 0.45% among 1434 similar banks: the lowest of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| -0.28% | 0.45% | -73 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bank of Lake Mills itself is left out of every peer median and percentile. How signals work
Deposits migrating from operating accounts to CDsWorth a look: Funding FORFI signal13.8%peers 20.5%-6.8 pp
Bank of Lake Mills's noninterest-bearing deposits lost share of the deposit base faster than at similar banks, while time deposits gained share.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 13.8% | 20.5% | -6.8 pp |
| Time deposits' share of deposits | ||
| 45.4% | 30.1% | +15.3 pp |
With internal data, FORFI would look at: Which operating accounts are draining, and which customers moved balances into CDs.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bank of Lake Mills itself is left out of every peer median and percentile. How signals work
Efficiency ratio falling faster than peersStrength: Efficiency29.3%peers 60.8%-31.5 pp
Bank of Lake Mills's efficiency ratio fell 21.7 percentage points over the past year to 29.3%. Among 1432 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 29.3% | 60.8% | -31.5 pp |
| 12-month change | ||
| -21.7 pp | -2.1 pp | -19.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bank of Lake Mills itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending+43.5%peers +5.5%+38.0 pp
Bank of Lake Mills's loans grew 43.5% over the past year to $462 million. The median among 1431 similar banks was +5.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +43.5% | +5.5% | +38.0 pp |
| Loans | ||
| $462 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bank of Lake Mills itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth+35.1%peers +4.7%+30.4 pp
Bank of Lake Mills's total assets grew 35.1% over the past year to $534 million. The median among 1437 similar banks was +4.7%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +35.1% | +4.7% | +30.4 pp |
| Total assets | ||
| $534 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bank of Lake Mills itself is left out of every peer median and percentile. How signals work
6 more observations
- Net interest margin widening faster than peersEarnings
- Return on assets rising faster than peersEarnings
- Deposits growing faster than peersFunding
- Borrowed funding rising while the peer median holds steadyFunding
- Reliance on CDs rising while the peer median fallsFunding
- Noninterest-bearing deposit share falling faster than peersFunding
Key facts
- Bank of Lake Mills is a bank headquartered in Lake Mills, Wisconsin. It reported $534 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $432 million, up 32.6% from a year earlier, and loans totaled $462 million, up 43.5%.
- Its net interest margin was 6.95% and its annualized return on assets was 4.42% for the quarter.
- Its cost of all deposits was 2.75%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Bank of Lake Mills's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Bank of Lake Mills · Bank
- Federal Reserve RSSD
- 477349
- FDIC certificate
- 8695
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bank of Lake Mills itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $5.86M | — | |
| $12.12M | — | |
| $3.45M | — | |
| $8.67M | — | |
| -$375K | — | |
| $2.43M | — | |
| $0 | — | |
| $0 | — | |
| 4.42% | 4.41%ROAQ · Quarter | |
| 6.95% | 6.94%NIMYQ · Quarter | |
| 29.31% | 29.31%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.