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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

4.93%Q2 ’244.94%Q2 ’254.73%Q2 ’26+8%+0%

Non-interest income vs. expense

2.52%Q2 ’242.65%Q2 ’252.61%Q2 ’26+1%+33%

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 2.45%, down 71 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 1.33% of loans (-154 bps YoY), with net charge-offs at 2.22%.
  • 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 (quarter, annualized)

2.45%-71 bps YoY

Net Interest Margin (quarter, annualized)

3.88%0 bps YoY

Efficiency Ratio (quarter, annualized)

38.71%+37 bps YoY

Tier 1 Leverage Ratio

10.94%-47 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.16%3.11%2.53%3.19%2.45%-71 bps
Return on Equity31.66%30.80%26.54%34.46%26.15%-551 bps
Net Interest Margin3.87%3.84%3.98%3.86%3.88%0 bps
Efficiency Ratio38.35%38.75%38.16%37.74%38.71%+37 bps
Non-Interest Burden-0.38%-0.43%-0.78%-0.46%-0.26%+13 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 / Loans0.01%-0.07%1.98%-0.01%2.22%+221 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