Woodford State 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: 178.44 percentage points lower than in Q1 2026, at 165.42%. Within Wisconsin, Woodford State Bank is 73rd of 153 on return on assets, 1.37% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Woodford State Bank sits 0.11 points higher, at 1.37% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.28% |
| Tier 1 risk-based capital ratio | 10.28% |
| Total risk-based capital ratio | 10.90% |
| Tier 1 leverage ratio | 8.11% |
| Equity capital to assets | 6.33% |
| Tangible equity to tangible assets | 6.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.38% |
| Non-performing assets ratio | 0.29% |
| Net charge-off ratio | 0.24% |
| Texas ratio | 4.32% |
| Allowance for credit losses to loans | 0.62% |
| Reserve coverage of non-performing loans | 165.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.37% |
| Return on equity | 22.03% |
| Net interest margin | 3.84% |
| Efficiency ratio | 58.37% |
| Yield on earning assets | 5.67% |
| Cost of funds | 1.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.26% |
| Core deposits to total deposits | 88.90% |
| Brokered deposits to total deposits | 1.76% |
| Deposits to assets | 77.59% |
| Securities to assets | 18.48% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.50% | 10.50% | 11.13% | 8.51% | 0.59% |
| Q4 2023 | 10.67% | 10.67% | 11.27% | 8.48% | 0.61% |
| Q1 2024 | 10.46% | 10.46% | 11.07% | 8.23% | 0.56% |
| Q2 2024 | 10.19% | 10.19% | 10.81% | 8.18% | 0.81% |
| Q3 2024 | 9.63% | 9.63% | 10.25% | 7.69% | -0.86% |
| Q4 2024 | 9.48% | 9.48% | 10.16% | 7.42% | 0.42% |
| Q1 2025 | 9.61% | 9.61% | 10.32% | 7.24% | 1.22% |
| Q2 2025 | 10.22% | 10.22% | 10.90% | 7.63% | 1.34% |
| Q3 2025 | 10.08% | 10.08% | 10.74% | 7.59% | 1.36% |
| Q4 2025 | 10.75% | 10.75% | 11.34% | 8.30% | 1.56% |
| Q1 2026 | 10.70% | 10.70% | 11.32% | 8.22% | 1.51% |
| Q2 2026 | 10.28% | 10.28% | 10.90% | 8.11% | 1.37% |
Woodford State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodford State 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 Woodford State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10011) · FFIEC NIC profile (RSSD 93244)