Wolf River Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 280.98 percentage points higher than in Q1 2026, at 3365.41%. Wolf River Community Bank ranks 20th of 153 Wisconsin banks on return on assets, in the upper half at 1.92% (Q2 2026). Wolf River Community Bank's return on assets of 1.92% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.66 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.42% |
| Equity capital to assets | 11.96% |
| Tangible equity to tangible assets | 11.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.05% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.31% |
| Allowance for credit losses to loans | 1.68% |
| Reserve coverage of non-performing loans | 3365.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.92% |
| Return on equity | 15.98% |
| Net interest margin | 4.84% |
| Efficiency ratio | 48.32% |
| Yield on earning assets | 6.08% |
| Cost of funds | 1.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.16% |
| Core deposits to total deposits | 94.03% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.13% |
| Securities to assets | 10.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.42% | 1.06% | 3.93% | 0.47% | 0.03% |
| Q4 2023 | 12.60% | 1.16% | 4.05% | 0.42% | -0.00% |
| Q1 2024 | 12.11% | 1.23% | 4.01% | 0.38% | 0.00% |
| Q2 2024 | 12.47% | 1.30% | 4.13% | 0.36% | 0.00% |
| Q3 2024 | 12.57% | 1.36% | 4.20% | 0.36% | 0.00% |
| Q4 2024 | 12.33% | 1.40% | 4.33% | 0.30% | -0.00% |
| Q1 2025 | 12.02% | 1.67% | 4.32% | 0.30% | 0.00% |
| Q2 2025 | 12.25% | 1.70% | 4.49% | 0.28% | 0.00% |
| Q3 2025 | 12.04% | 1.74% | 4.51% | 0.05% | -0.00% |
| Q4 2025 | 11.90% | 1.66% | 4.55% | 0.07% | 0.00% |
| Q1 2026 | 11.74% | 1.83% | 4.53% | 0.05% | 0.00% |
| Q2 2026 | 12.42% | 1.92% | 4.84% | 0.05% | 0.00% |
Wolf River Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wolf River Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Wolf River Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34240) · FFIEC NIC profile (RSSD 2505424)