Wisconsin Rapids, WI · Cert 5335 · Woodtrust Financial Corp.
State charter, Fed member · FED · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
22
Asset Quality
10
Profitability
88
Liquidity
9
Efficiency
98
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.
Wisconsin Rapids, WI · Cert 5335 · Woodtrust Financial Corp.
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Wausau, WI · 2026 SOD (annual) · 0.7% share · #15 of 17 inst. · $0.0B of $5.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.04% | 3.03% | 3.13% | 3.14% | 3.10% | 2.99% | 3.19% | 2.82% | -33 bps | |
| Return on Equity | 31.41% | 32.31% | 35.08% | 33.45% | 32.54% | 31.69% | 34.46% | 30.30% | -315 bps | |
| Net Interest Margin | 3.55% | 3.60% | 3.70% | 3.82% | 3.76% | 3.84% | 3.86% | 3.87% | +5 bps | |
| Efficiency Ratio | 39.18% | 39.48% | 38.12% | 38.23% | 38.41% | 38.34% | 37.74% | 38.22% | -1 bps | |
| Non-Interest Burden | -0.33% | -0.33% | -0.53% | -0.46% | -0.44% | -0.53% | -0.46% | -0.36% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.89% | 6.31% | 4.31% | 6.61% | 10.00% | -2.17% | 6.38% | 12.76% | +616 bps | |
| Loan Growth (YoY) | -0.86% | -0.96% | 3.22% | 5.23% | 11.14% | 13.81% | 5.22% | 0.25% | -498 bps | |
| Deposit Growth (YoY) | 8.40% | 0.89% | 1.63% | 1.82% | 5.39% | 2.73% | 5.28% | 10.66% | +883 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.05% | 0.04% | 2.87% | 2.63% | 2.01% | 1.93% | 1.33% | -154 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | 0.00% | 0.00% | -0.02% | 0.48% | -0.01% | 1.10% | +110 bps | |
| Allowance / Loans | 1.74% | 1.82% | 1.75% | 1.76% | 1.73% | 1.77% | 1.88% | 1.73% | -3 bps | |
| Allowance Coverage of NPLs | 32.1x | 36.4x | 41.7x | 0.6x | 0.7x | 0.9x | 1.0x | 1.3x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.23% | 9.73% | 10.70% | 11.41% | 11.60% | 9.95% | 10.59% | 10.94% | -47 bps | |
| Total Risk-Based Capital | 11.23% | 9.73% | 10.70% | 11.41% | 11.60% | 9.95% | 10.59% | 10.94% | -47 bps | |
| Equity / Assets | 10.41% | 8.27% | 9.60% | 10.37% | 9.88% | 9.12% | 9.40% | 9.35% | -102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.48% | 63.24% | 68.52% | 70.06% | 69.05% | 70.07% | 68.48% | 63.47% | -659 bps | |
| Liquid Assets / Assets | 23.88% | 22.14% | 19.44% | 8.77% | 20.66% | 19.57% | 20.97% | 25.78% | +1,701 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 338% | 419% | 377% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.69% | 0.85% | 1.17% | 1.51% | Beats 94% | 7 / 113 | ||
| Return on Equity | 28.76% | 7.70% | 10.77% | 13.67% | Beats 97% | 3 / 113 | ||
| Net Interest Margin | 3.87% | 3.19% | 3.59% | 3.89% | Beats 72% | 32 / 113 | ||
| Efficiency Ratio | 38.22% | 54.61% | 62.43% | 71.88% | Beats 98% | 3 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.33% | 0.03% | 0.24% | 0.91% | Beats 17% | 92 / 110 | ||
| Net Charge-Offs / Loans | 0.56% | n/a | 0.00% | 0.01% | Beats 3% | 108 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.94% | 11.22% | 12.95% | 15.76% | Beats 19% | 91 / 113 | ||
| Total Risk-Based Capital Ratio | 10.94% | 11.57% | 13.59% | 16.73% | Beats 18% | 93 / 113 | ||
| Equity / Assets | 9.35% | 9.17% | 10.74% | 13.13% | Beats 28% | 81 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.47% | 76.54% | 86.37% | 98.93% | 13th pctl | 98 / 112 | ||
| Loans / Assets | 51.89% | 63.07% | 71.33% | 78.84% | 10th pctl | 102 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||