1895 Bancorp of Wisconsin, Inc. (BCOW) Balance Sheet
BCOW balance sheet, 2025
December 31, 2025 · U.S. dollars$600.0M assets = $528.1M liabilities + $71.9M equity
Both columns are drawn to the same scale: what BCOW owns equals what it owes plus shareholders’ equity. Hover a block for its value.
BCOW financial health
Descriptive bands, not a rating. Fiscal 2025.
BCOW balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $450.2M2016 | $600.0M2025 | +3.2%/yr | |
| Total liabilities | $412.8M2016 | $528.1M2025 | +2.8%/yr | |
| Shareholders’ equity | $37.3M2016 | $71.9M2025 | +7.6%/yr | |
| Cash & short-term investments | $103.9M2016 | $20.8M2025 | −16.4%/yr | |
| Total debt | $48.2M2016 | $112.4M2025 | +9.9%/yr | |
| Net cash (debt) | $55.7M2016 | −$91.5M2025 | −$147.2M | |
| Working capital | −$254.1M2016 | $20.5M2025 | +$274.5M | |
| Book value per share | $11.672016 | $13.762025 | +1.9%/yr | |
| Debt / equity | 1.292016 | 1.562025 | +0.27 | |
| Shares outstanding | 3.2M2016 | 5.2M2025 | +5.6%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
BCOW assets
BCOW liabilities and equity
BCOW debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
BCOW balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $20.8M | $116.4M | $120.8M | $140.5M | $177.7M | $146.7M | $82.9M | $73.5M | $101.5M | $103.9M |
| Cash & equivalents | $16.9M | $8.6M | $11.2M | $26.0M | $65.3M | $88.0M | $11.5M | $7.8M | $12.5M | $7.5M |
| Short-term investments | $3.9M | $107.8M | $109.6M | $114.5M | $112.4M | $58.7M | $71.4M | $65.7M | $89.0M | $96.5M |
| Receivables | $1.7M | $1.7M | $1.6M | $1.3M | $948,000 | $912,000 | $963,000 | $1.1M | $1.2M | $1.2M |
| Inventory | $0 | $0 | −$16.4M | −$29.6M | −$67.8M | −$93.4M | −$12.7M | −$9.0M | −$13.7M | −$8.9M |
| Other current assets | $0 | $0 | $16.4M | $29.6M | $67.8M | $93.4M | $12.7M | $9.0M | $13.7M | $8.9M |
| Total current assets | $22.6M | $10.3M | $122.3M | $141.8M | $178.7M | $147.6M | $83.8M | $74.6M | $102.7M | $105.1M |
| Property, plant & equipment (net) | $4.8M | $5.0M | $5.2M | $5.5M | $5.9M | $6.3M | $6.7M | $8.2M | $7.7M | $8.9M |
| Goodwill & intangible assets | $1.5M | $1.6M | $1.7M | $1.9M | $2.0M | $1.8M | $2.2M | $2.1M | $2.3M | $2.4M |
| Long-term investments | $101.1M | $112.2M | $113.2M | $117.4M | $112.4M | $61.7M | $71.4M | $65.7M | $89.0M | $96.5M |
| Other non-current assets | $470.1M | $443.8M | $315.2M | $276.5M | $240.6M | $299.4M | $263.9M | $330.5M | $266.8M | $237.3M |
| Total assets | $600.0M | $572.9M | $557.6M | $543.0M | $539.6M | $516.8M | $428.0M | $481.1M | $468.4M | $450.2M |
| Liabilities | ||||||||||
| Accounts payable | $1.4M | $1.2M | $1.1M | $291,000 | $109,000 | $183,000 | $385,000 | $372,000 | $340,000 | $276,000 |
| Short-term debt | $2.1M | $6.1M | $15.1M | $13.5M | $8.5M | $13.0M | $39,000 | $22.4M | $10.0M | $0 |
| Deferred revenue | — | — | −$1.1M | −$13.2M | −$8.4M | −$12.8M | $346,000 | −$22.0M | −$9.7M | — |
| Total current liabilities | $2.1M | $323.9M | $404.8M | $388.0M | $384.6M | $380.0M | $345.0M | $406.5M | $389.6M | $359.2M |
| Long-term debt | $112.3M | $91.8M | $71.0M | $71.5M | $55.4M | $68.4M | $17.6M | $0 | $0 | $0 |
| Lease obligations | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Other long-term liabilities | $413.7M | $10.3M | $9.1M | $8.2M | $8.7M | $8.3M | $6.7M | $36.4M | $39.7M | $53.7M |
| Total liabilities | $528.1M | $501.8M | $484.8M | $467.7M | $448.7M | $456.7M | $369.3M | $442.9M | $429.4M | $412.8M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $56,000 | $60,000 | $61,000 | $62,000 | $64,000 | $49,000 | $49,000 | $0 | $0 | $0 |
| Retained earnings (deficit) | $34.4M | $33.0M | $33.9M | $41.5M | $41.6M | $41.5M | $40.2M | $39.8M | $39.8M | $38.0M |
| Treasury stock | — | — | — | — | — | −$1.2M | — | $0 | $0 | $0 |
| Accumulated other comprehensive income | −$4.1M | −$10.9M | −$6.6M | −$11.5M | $142,000 | $1.1M | $107,000 | −$1.6M | −$789,000 | −$653,000 |
| Minority interest | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Total shareholders' equity | $71.9M | $71.1M | $72.8M | $75.4M | $90.9M | $60.0M | $58.7M | $38.2M | $39.0M | $37.3M |
| Key figures | ||||||||||
| Total debt | $112.4M | $91.9M | $71.0M | $71.5M | $55.4M | $68.4M | $17.6M | $30.0M | $34.7M | $48.2M |
| Net cash (debt) | −$91.5M | $24.5M | $49.8M | $69.1M | $122.3M | $78.3M | $65.3M | $43.5M | $66.8M | $55.7M |
| Working capital | $20.5M | −$313.6M | −$282.5M | −$246.2M | −$205.9M | −$232.4M | −$261.1M | −$331.9M | −$287.0M | −$254.1M |
| Tangible book value | $70.4M | $69.5M | $71.0M | $73.5M | $88.9M | $58.2M | $56.5M | $36.1M | $36.7M | $34.9M |
| Book value per share | $13.76 | $13.06 | $13.15 | $13.05 | $14.26 | $12.81 | $12.47 | $11.93 | $12.18 | $11.67 |
| Shares outstanding | 5.2M | 5.4M | 5.5M | 5.8M | 6.4M | 4.7M | 4.7M | 3.2M | 3.2M | 3.2M |
| Current ratio | 10.83 | 0.03 | 0.30 | 0.37 | 0.46 | 0.39 | 0.24 | 0.18 | 0.26 | 0.29 |
| Quick ratio | 10.83 | 0.36 | 0.30 | 0.37 | 0.46 | 0.39 | 0.24 | 0.18 | 0.26 | 0.29 |
| Debt / equity | 1.56 | 1.29 | 0.98 | 0.95 | 0.61 | 1.14 | 0.30 | 0.79 | 0.89 | 1.29 |
| Equity / assets | 12.0% | 12.4% | 13.0% | 13.9% | 16.8% | 11.6% | 13.7% | 7.9% | 8.3% | 8.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $131.2M | $120.5M | $16.9M | $124.2M | $118.9M | $115.7M | $116.4M | $110.5M | $107.6M | $120.4M | $120.8M | $127.9M |
| Cash & equivalents | $43.0M | $30.7M | $16.9M | $21.9M | $18.5M | $10.9M | $8.6M | $23.1M | $15.2M | $14.0M | $11.2M | $24.2M |
| Short-term investments | $88.2M | $89.8M | $96.1M | $102.3M | $100.5M | $104.8M | $107.8M | $87.4M | $92.5M | $106.4M | $109.6M | $103.7M |
| Receivables | $1.7M | $1.6M | $1.7M | $1.7M | $1.7M | $1.6M | $1.7M | $1.4M | $1.6M | $1.5M | $1.6M | $1.3M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$20.9M | −$19.5M | $9.7M | −$28.0M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $20.9M | $19.5M | $0 | $28.0M |
| Total current assets | $132.9M | $32.3M | $18.6M | $126.0M | $120.6M | $117.4M | $10.3M | $112.0M | $109.2M | $121.9M | $122.3M | $129.2M |
| Property, plant & equipment (net) | $4.6M | $4.7M | $4.8M | $4.8M | $4.8M | $4.9M | $5.0M | $5.0M | $5.1M | $5.1M | $5.2M | $5.2M |
| Goodwill & intangible assets | $1.4M | $1.5M | $1.5M | $1.5M | $1.6M | $1.6M | $1.6M | $1.7M | $1.7M | $1.7M | $1.7M | $1.8M |
| Long-term investments | $93.6M | $94.6M | $101.1M | $107.2M | $105.1M | $109.0M | $112.2M | $91.8M | $96.6M | $110.4M | $113.2M | $107.0M |
| Other non-current assets | $358.6M | $464.7M | $474.0M | $377.9M | $379.7M | $355.6M | $443.8M | $354.2M | $348.9M | $325.2M | $315.2M | $311.4M |
| Total assets | $591.2M | $597.7M | $600.0M | $617.4M | $611.7M | $588.4M | $572.9M | $564.5M | $561.5M | $564.2M | $557.6M | $554.6M |
| Liabilities | ||||||||||||
| Accounts payable | $1.2M | $1.5M | $1.4M | $1.5M | $1.4M | $1.3M | $1.2M | $1.2M | $1.4M | $1.2M | $1.1M | $1.1M |
| Short-term debt | — | — | $2.1M | — | — | — | $6.1M | $5.5M | $6.0M | $6.5M | $15.1M | $5.5M |
| Deferred revenue | — | — | — | — | — | — | — | — | −$1.4M | −$1.2M | −$1.1M | −$4.4M |
| Total current liabilities | $397.1M | $398.5M | $2.1M | $412.6M | $411.8M | $393.3M | $323.9M | $396.5M | $400.2M | $400.5M | $404.8M | $388.1M |
| Long-term debt | $101.3M | $111.8M | $112.3M | $112.8M | $113.3M | $113.3M | $91.8M | $75.8M | $74.5M | $80.0M | $71.0M | $78.5M |
| Other long-term liabilities | $21.2M | $413.8M | $413.7M | $21.0M | $17.0M | $13.0M | $10.3M | $19.0M | $15.6M | $12.2M | $9.1M | $17.8M |
| Total liabilities | $519.5M | $525.6M | $528.1M | $546.4M | $542.1M | $519.6M | $501.8M | $491.4M | $490.4M | $492.7M | $484.8M | $484.4M |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $56,000 | $56,000 | $56,000 | $56,000 | $56,000 | $56,000 | $60,000 | $60,000 | $60,000 | $60,000 | $61,000 | $62,000 |
| Retained earnings (deficit) | $34.4M | $34.8M | $34.4M | $33.8M | $33.3M | $32.9M | $33.0M | $32.9M | $33.1M | $33.6M | $33.9M | $36.2M |
| Accumulated other comprehensive income | −$4.7M | −$4.5M | −$4.1M | −$4.2M | −$5.2M | −$5.7M | −$7.0M | −$4.8M | −$7.0M | −$7.1M | −$6.6M | −$11.5M |
| Total shareholders' equity | $71.6M | $72.1M | $71.9M | $71.0M | $69.6M | $68.8M | $71.1M | $73.2M | $71.1M | $71.5M | $72.8M | $70.2M |
| Key figures | ||||||||||||
| Total debt | $101.3M | $111.8M | $112.4M | $112.8M | $113.3M | $113.3M | $91.9M | $75.8M | $74.5M | $80.0M | $71.0M | $78.5M |
| Net cash (debt) | $29.9M | $8.7M | −$95.5M | $11.5M | $5.6M | $2.4M | $24.5M | $34.7M | $33.1M | $40.4M | $49.8M | $49.4M |
| Working capital | −$264.2M | −$366.3M | $16.5M | −$286.7M | −$291.2M | −$276.0M | −$313.6M | −$284.6M | −$291.0M | −$278.6M | −$282.5M | −$258.8M |
| Tangible book value | $70.2M | $70.6M | $70.4M | $69.5M | $68.1M | $67.2M | $69.5M | $71.5M | $69.4M | $69.8M | $71.0M | $68.4M |
| Book value per share | $14.07 | $14.11 | $13.84 | $13.96 | $13.48 | $13.01 | $12.85 | $13.47 | $13.04 | $13.08 | $12.88 | $12.68 |
| Shares outstanding | 5.1M | 5.1M | 5.2M | 5.1M | 5.2M | 5.3M | 5.5M | 5.4M | 5.4M | 5.5M | 5.7M | 5.5M |
| Current ratio | 0.33 | 0.08 | 8.93 | 0.31 | 0.29 | 0.30 | 0.03 | 0.28 | 0.27 | 0.30 | 0.30 | 0.33 |
| Quick ratio | 0.33 | 0.31 | 8.93 | 0.31 | 0.29 | 0.30 | 0.36 | 0.28 | 0.27 | 0.30 | 0.30 | 0.33 |
| Debt / equity | 1.41 | 1.55 | 1.56 | 1.59 | 1.63 | 1.65 | 1.29 | 1.04 | 1.05 | 1.12 | 0.98 | 1.12 |
| Equity / assets | 12.1% | 12.1% | 12.0% | 11.5% | 11.4% | 11.7% | 12.4% | 13.0% | 12.7% | 12.7% | 13.0% | 12.7% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed December 31, 2025); data from EODHD.
BCOW financial position
At the end of fiscal 2025 (December 31, 2025), 1895 Bancorp of Wisconsin had total assets of $600.0 million (up 4.7% from a year earlier), total liabilities of $528.1 million and shareholders' equity of $71.9 million. It held $20.8 million in cash and short-term investments against $112.4 million of debt, net debt of $91.5 million. Its current ratio was 10.83. In the latest quarter (ended June 30, 2026) total assets were $591.2 million and equity $71.6 million.
Related: BCOW income statement, BCOW cash flow statement, BCOW key metrics. See the BCOW stock overview for the latest quote and news.
BCOW balance sheet FAQ
What are 1895 Bancorp of Wisconsin's total assets?
1895 Bancorp of Wisconsin reported total assets of $600.0 million at the end of fiscal 2025 (December 31, 2025), compared with $572.9 million a year earlier.
How much debt does 1895 Bancorp of Wisconsin have?
1895 Bancorp of Wisconsin had $112.4 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 1.56.
How much cash does 1895 Bancorp of Wisconsin have?
1895 Bancorp of Wisconsin held $20.8 million in cash and short-term investments at the end of fiscal 2025; with $112.4 million of debt that is net debt of $91.5 million.
What is 1895 Bancorp of Wisconsin's book value?
1895 Bancorp of Wisconsin's shareholders' equity (book value) was $71.9 million at the end of fiscal 2025, or $13.76 per share.
What is 1895 Bancorp of Wisconsin's current ratio?
1895 Bancorp of Wisconsin had current assets of $22.6 million and current liabilities of $2.1 million, a current ratio of 10.83 (it can cover its short-term obligations).
How much goodwill does 1895 Bancorp of Wisconsin have?
1895 Bancorp of Wisconsin carried $1.5 million of goodwill and intangible assets, 0.2% of total assets, at the end of fiscal 2025.