Bank · FDIC insured
Badger Bank
A $206M bank headquartered in Fort Atkinson, WI, with 4 branches in Wisconsin. Best rates: savings 1.01% APY.
Badger Bank Carrot Score
75
Carrot Score
Higher than 39% of U.S. banks and credit unions
#10 of 14 in Watertown, WI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Badger Bank
Founded in July 1884 as Citizens State Bank in Fort Atkinson, Badger Bank is a locally owned and managed independent community bank.
The bank was renamed Citizens State Bank and Trust in 1980, acquired M&I Bank's Cambridge branch in 2003, and adopted the name Badger Bank in 2007.
The bank serves residents and businesses across Fort Atkinson, Cambridge, Johnson Creek, and Jefferson.
- Headquarters
- 220 Grant St, Fort Atkinson, WI 53538
- FDIC certificate
- 2469 ↗
Branches
4 branches in Wisconsin
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Wisconsin
4 branches
Watertown area · 3
- Badger BankMain office220 Grant St, Fort Atkinson, WI 53538Directions
- Jefferson Branch1003 S Main St, Jefferson, WI 53549Directions
- Johnson Creek Branch545 Village Walk Ln, Johnson Creek, WI 53038Directions
Madison area · 1
- Cambridge102 W Main St, Cambridge, WI 53523Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.40% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.07% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.37% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $85 | $81 | — |
- CapitalLeverage ratio12.40%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.07%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.37%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$85Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Badger Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.