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Woodtrust Bank

Wisconsin Rapids, WI · Cert 5335 · Woodtrust Financial Corp.

State charter, Fed member · FED · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in WI3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in WI (n=110 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

22

Q2 2024Q2 2026peer median (50)

Asset Quality

10

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

9

Q2 2024Q2 2026peer median

Efficiency

98

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Woodtrust Bank

Wisconsin Rapids, WI · Cert 5335 · Woodtrust Financial Corp.

State charter, Fed member · FED · 7 branches

Q2 2026

$734.8MAssets
$381.3MLoans
$600.7MDeposits
$68.7MEquity
Loan mix
83%RE $326.4M9%C&I $35.9M7%Consumer $29.1MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $485.4M19%Noninterest $115.3MQ2 2025Q2 2026

NIM

4.92%Q2 ’244.89%Q2 ’254.72%Q2 ’26+7%+1%

Non-interest income vs. expense

2.55%Q2 ’242.65%Q2 ’252.62%Q2 ’26-65%+22%

Market Position · Wausau, WI · 2026 SOD (annual) · 0.7% share · #15 of 17 inst. · $0.0B of $5.4B

19.6% Wood
0.7% Marathon
2.1% Portage
1.2% Vilas

Executive Summary

  • Earnings: ROA of 2.82%, down 33 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 1.33% of loans (-154 bps YoY), with net charge-offs at 1.10%.
  • Capital: tier 1 leverage ratio of 10.94%, down 47 bps from a year ago.
  • Funding: loans stand at 63.47% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.82%-33 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+5 bps YoY

Efficiency Ratio (YTD, annualized)

38.22%-1 bps YoY

Tier 1 Leverage Ratio

10.94%-47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.14%3.10%2.99%3.19%2.82%-33 bps
Return on Equity33.45%32.54%31.69%34.46%30.30%-315 bps
Net Interest Margin3.82%3.76%3.84%3.86%3.87%+5 bps
Efficiency Ratio38.23%38.41%38.34%37.74%38.22%-1 bps
Non-Interest Burden-0.46%-0.44%-0.53%-0.46%-0.36%+10 bps
Growth
Asset Growth (YoY)6.61%10.00%-2.17%6.38%12.76%+616 bps
Loan Growth (YoY)5.23%11.14%13.81%5.22%0.25%-498 bps
Deposit Growth (YoY)1.82%5.39%2.73%5.28%10.66%+883 bps
Asset Quality
Nonperforming Loans / Loans2.87%2.63%2.01%1.93%1.33%-154 bps
Net Charge-Offs / Loans0.00%-0.02%0.48%-0.01%1.10%+110 bps
Allowance / Loans1.76%1.73%1.77%1.88%1.73%-3 bps
Allowance Coverage of NPLs0.6x0.7x0.9x1.0x1.3x+0.7x
Capital
Tier 1 Leverage Ratio11.41%11.60%9.95%10.59%10.94%-47 bps
Total Risk-Based Capital11.41%11.60%9.95%10.59%10.94%-47 bps
Equity / Assets10.37%9.88%9.12%9.40%9.35%-102 bps
Liquidity & Funding
Loans / Deposits70.06%69.05%70.07%68.48%63.47%-659 bps
Liquid Assets / Assets8.77%20.66%19.57%20.97%25.78%+1,701 bps
CRE / Total Capitaln/a338%419%377%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Woodtrust Bank

Wisconsin Rapids, WI · Cert 5335 · Peer group: banks under $1B in assets in WI (n=110-113) · Woodtrust Financial Corp.

State charter, Fed member · FED · 7 branches

Q2 2026

$734.8MAssets
$381.3MLoans
$600.7MDeposits
$68.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 98% of banks under $1B in assets in WI (rank 3 of 113).
  • Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets in WI (rank 108 of 110).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

2.69%

Rank 7 of 113

Net Interest Margin

3.87%

Rank 32 of 113

Efficiency Ratio

38.22%

Rank 3 of 113

Equity / Assets

9.35%

Rank 81 of 113

Non-interest income vs. expense

$20.0M$17.6MINCOMEEXPENSE
Favorable gap of $2.4M · efficiency ratio beats 98% of banks under $1B in assets in WI
Bank 38.22%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.69%0.85%1.17%1.51%Beats 94%7 / 113
Return on Equity28.76%7.70%10.77%13.67%Beats 97%3 / 113
Net Interest Margin3.87%3.19%3.59%3.89%Beats 72%32 / 113
Efficiency Ratio38.22%54.61%62.43%71.88%Beats 98%3 / 113
Asset Quality
Nonperforming Loans / Loans1.33%0.03%0.24%0.91%Beats 17%92 / 110
Net Charge-Offs / Loans0.56%n/a0.00%0.01%Beats 3%108 / 110
Capital
Tier 1 Capital Ratio10.94%11.22%12.95%15.76%Beats 19%91 / 113
Total Risk-Based Capital Ratio10.94%11.57%13.59%16.73%Beats 18%93 / 113
Equity / Assets9.35%9.17%10.74%13.13%Beats 28%81 / 113
Liquidity & Funding
Loans / Deposits63.47%76.54%86.37%98.93%13th pctl98 / 112
Loans / Assets51.89%63.07%71.33%78.84%10th pctl102 / 113
Brokered Deposits / Depositsn/aNot reported for this institution