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 | |