Bank · FDIC insured
Black River Country Bank
A $101.8M bank headquartered in Black River Falls, WI, with 2 branches in Wisconsin. Best rates: CDs 4.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs814.00%for 9–15 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Black River Country Bank
Chartered in 1907 as the Bank of Melrose, the bank was renamed Black River Country Bank in 1993.
The bank expanded to Black River Falls in 1973 and operates two branch locations in Black River Falls and Melrose, Wisconsin.
- Headquarters
- 221 Main St, Black River Falls, WI 54615
- FDIC certificate
- 15152 ↗
Branches
2 branches in Wisconsin
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Wisconsin
2 branches
Black River Falls area · 1
- Black River Country BankMain office221 Main St, Black River Falls, WI 54615Directions
Melrose area · 1
- Melrose Branch401 N Washington St, Melrose, WI 54642Directions
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 | 8.94% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.29% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.38% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $94 | $81 | — |
- CapitalLeverage ratio8.94%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.29%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.38%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$94Peers’ 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 Black River Country Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.