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
Favorable gap of $2.4M · efficiency ratio beats 98% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |