Woodtrust Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Woodtrust Bank is one of the more profitable banks of its size. It reported $735 million in assets at June 30, 2026, up 12.8% from a year earlier. It earns about $3.19 a year on every $100 of assets, 2.5 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 39 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.33% of loans from 2.87%. Deposits are coming in faster than loans: over the year loans rose 0.2% and deposits rose 10.7%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Woodtrust Bank reported a return on assets of 3.19%, a nonperforming-loan ratio of 1.33% and a Texas ratio of 6.73%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 181 2nd St S, Wisconsin Rapids, WI 54494
- County
- Wood
- Metro Area
- Wisconsin Rapids-Marshfield, WI
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 11, 1891
- Former names
- Woodtrust Bank, N. A. (2006-2014); Wood County National Bank (1999-2006); Wood County National Bank and Trust (1985-1999)
- Offices
- 7 domestic
- Employees (FTE)
- 86
- Domestic deposits
- $600.7M
- Allowance for credit losses
- $6.6M
- Net charge-offs (YTD)
- $2.1M
- Average total assets
- $670.5M
- Average total loans
- $391.5M
- Average interest-bearing deposits
- $464.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5335
- Fed RSSD
- 833749
- SEC CIK
- 1725247 → filed by WOODTRUST FINANCIAL CORPORATION
- Website
- www.woodtrust.com →
- Parent Holding Company
- WOODTRUST FINANCIAL CORPORATION (RSSD 1020582)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Woodtrust Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Woodtrust Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Woodtrust Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Woodtrust Bank: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.94% | 3.19% | 1.33% | 6.73% | 3.92% |
| Q1 2026 | 10.59% | 3.98% | 1.93% | 10.27% | 3.91% |
| Q4 2025 | 9.95% | 3.22% | 2.01% | 11.94% | 4.02% |
| Q3 2025 | 11.60% | 4.05% | 2.63% | 13.41% | 3.88% |
| Q2 2025 | 11.41% | 4.03% | 2.87% | 14.69% | 3.91% |
| Q1 2025 | 10.70% | 4.00% | 0.04% | 0.22% | 3.75% |
| Q4 2024 | 9.73% | 3.79% | 0.05% | 0.28% | 3.72% |
| Q3 2024 | 11.23% | 3.82% | 0.05% | 0.26% | 3.70% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Woodtrust Bank (main office) | Wisconsin Rapids , WI | 54494 | $450.2M |
| Griffith Branch | Wisconsin Rapids , WI | 54494 | $69.7M |
| Plover Branch | Plover , WI | 54467 | $34.8M |
| Dudley Tower Branch | Wausau , WI | 54403 | $29.2M |
| Manitowish Waters Branch | Manitowish Waters , WI | 54545 | $10.4M |
| Bridge Street Branch | Wausau , WI | 54403 | $6.4M |
| Downtown Drive Up Branch | Wisconsin Rapids , WI | 54494 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2009 | M&A | Acquired Wood County Trust Company, N.A. merger for the acquired bank | SEC |
| January 1, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2009 | Structure Change | Acquired Wood County Trust Company, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2008 | M&A | Acquired Woodtrust Mortgage Professionals, Inc. merger for the acquired bank | SEC |
| December 31, 2008 | Structure Change | Acquired Woodtrust Mortgage Professionals, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 20, 1991 | M&A | Acquired Community State Bank merger for the acquired bank | SEC |
| May 20, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 20, 1991 | Structure Change | Acquired Community State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Woodtrust Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in WI, rank 54 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 92 applications, 74 loans originated, $37.2M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $115K approved, $115K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Woodtrust Bank
What are Woodtrust Bank's total assets?
As of the Q2 2026 filing, Woodtrust Bank reported total assets of $734.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Woodtrust Bank headquartered?
Woodtrust Bank is headquartered in Wisconsin Rapids, WI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Woodtrust Bank founded?
Woodtrust Bank was established in 1891, per the FDIC institution directory.
Is Woodtrust Bank FDIC-insured?
Yes. Woodtrust Bank is an FDIC-insured commercial bank (FDIC Certificate #5335). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Woodtrust Bank?
Woodtrust Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Woodtrust Bank operate?
Woodtrust Bank operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Woodtrust Bank's Texas Ratio?
Woodtrust Bank's Texas Ratio is 6.73% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Woodtrust Bank previously called?
The charter now named Woodtrust Bank has also operated as Woodtrust Bank, N. A. (2006-2014), Wood County National Bank (1999-2006), Wood County National Bank and Trust (1985-1999), per FDIC structure-change records.
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