Wisconsin

The $29 billion-asset company said in a regulatory filing Thursday that the "needs to improve" rating will likely restrict its ability to make acquisitions and open branches.

Plenty of banks have ended their federal loss-share deals early, but despite the incentives to wind them down, plenty more still have these crisis-era arrangements in place. It may be due to varying deadlines, mistakes calculating loan values or worries that they still might need the coverage for home equity lines.

Activity to relieve stress/promote fun: 1st National offers free 20-minute on-site chair massages every other week at its main location.

Fitness/wellness program: An annual wellness fair provides biometric screenings, health risk assessments, massages, yoga instruction and healthy eating tips.

Popular with employees: Every January, all employees receive up to $300 to buy work attire.

Popular with employees: Employees get an extra vacation day during their anniversary month.

Popular with employees: During the fall harvest, the bank's owners deliver homegrown vegetables to all locations for employees and customers.

Citizens Community Bancorp in Eau Claire, Wis., said it plans to close four branches in Walmart stores in mid-November.

Old National in Evansville, Ind., reported higher quarterly profit due to securities gains and loan growth tied to its purchase of Anchor BanCorp Wisconsin.

Monona State Bank in Wisconsin has agreed to buy MBC Bankshares in Middleton, Wis.