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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Bangor, WI · FDIC certificate #5337
FIRST NB OF BANGOR is an FDIC-insured institution based in Bangor, WI (FDIC certificate #5337). In its Q3 2026 Call Report it reported total assets of $376M, total deposits of $235M and net loans of $314M. Its primary federal regulator is OCC.
Plain-language readout
FIRST NB OF BANGOR has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $376M in Q3 2026 and were lowest at $359M in Q1 2026.
Total deposits were highest at $235M in Q3 2026 and lowest at $224M in Q1 2026.
Over the whole period total assets rose 4.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $376M | $235M | $314M | 3.40% | 11.19% | 5.18% |
| Q2 2026 | $364M | $226M | $305M | 3.38% | 11.22% | 5.19% |
| Q1 2026 | $359M | $224M | $316M | 3.36% | 11.38% | 5.21% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $19.3M | $4.4M | +$14.9M | +341.5% |
| Federal funds sold | $3.9M | $3.6M | +$316K | +8.7% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $28.6M | $28.5M | +$48K | +0.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $305.3M | $315.6M | -$10.4M | -3.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.9M | $2.0M | -$24K | -1.2% |
| Other real estate owned | $167K | $167K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $4.5M | $5.1M | -$589K | -11.5% |
| Total assets | $363.7M | $359.4M | +$4.3M | +1.2% |
| Liabilities | ||||
| Total deposits | $225.6M | $223.9M | +$1.7M | +0.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $23.0M | $23.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.0M | $1.5M | -$498K | -33.2% |
| Total liabilities | $249.6M | $248.4M | +$1.2M | +0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $3K | $3K | $0K | 0.0% |
| Surplus | $536K | $536K | $0K | 0.0% |
| Retained earnings | $113.5M | $110.4M | +$3.1M | +2.8% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $114.1M | $111.0M | +$3.1M | +2.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.1M | $2.0M | +$1.0M | +51.2% |
| Adjusted nonperforming assets | $3.1M | $2.0M | +$1.0M | +51.2% |
| Tangible equity plus allowance | $116.1M | $113.0M | +$3.1M | +2.8% |
| Texas ratio (gross) | 2.65% | 1.80% | +0.85 pts | See points |
| Texas ratio (adjusted) | 2.65% | 1.80% | +0.85 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.65% | 1.80% | +0.85 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 31.61% | 30.44% | +1.17 pts | See points |
| Construction and land loans to total capital | 32.13% | 29.27% | +2.86 pts | See points |
| Commercial real estate to total capital | 116.21% | 126.16% | -9.95 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.67% | -0.84% | +0.17 pts | See points |
| Liquidity | ||||
| Core deposits | $204.2M | $203.5M | +$673K | +0.3% |
| Non-core funding | $44.4M | $43.4M | +$1.0M | +2.3% |
| Loans to core deposits | 150.54% | 156.13% | -5.59 pts | See points |
| Loans to deposits | 136.23% | 141.89% | -5.65 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 23.40% | 23.52% | -0.12 pts | See points |
| Loans pledged, share of loans | 33.30% | 31.77% | +1.53 pts | See points |
| Volatile liabilities | $44.4M | $43.4M | +$1.0M | +2.3% |
| Earnings | ||||
| Earnings before provision, year to date | $7.7M | $3.9M | +$3.9M | +100.0% |
| Earnings before provision, single quarter | $3.9M | $3.9M | +$1K | +0.0% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 7.09% | 6.97% | +0.12 pts | See points |
| Yield on interest-bearing balances due from banks | 1.93% | 4.40% | -2.47 pts | See points |
| Total interest income to average assets | 6.49% | 6.40% | +0.09 pts | See points |
| Cost of interest-bearing transaction accounts | 0.24% | 0.27% | -0.02 pts | See points |
| Cost of savings and money market deposits | 1.74% | 1.71% | +0.02 pts | See points |
| Cost of time deposits | 3.76% | 3.80% | -0.04 pts | See points |
| Total interest expense to average assets | 1.43% | 1.42% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $376M | $235M | $314M | 3.40% | 11.19% | 5.18% |
| 2026-06-30 | $364M | $226M | $305M | 3.38% | 11.22% | 5.19% |
| 2026-03-31 | $359M | $224M | $316M | 3.36% | 11.38% | 5.21% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| WI | $217.4M | 0.11% | 117 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.