Woodtrust Bank
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Data as of · sourced from FFIEC call reports. How we update
Woodtrust Bank is an FDIC-insured commercial bank headquartered in Wisconsin Rapids, WI, established in 1891 (FDIC certificate 5335), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $734.8M, up 12.8% from Q2 2025, the 45th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.94% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5335
- Headquarters
- Wisconsin Rapids, WI
- Established
- 1891
- Total assets, Q2 2026
- $734.8M
- Assets vs Q2 2025
- +12.8%
- Tier 1 leverage ratio, Q2 2026
- 10.94%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 075901561
- Latest call report
- Q2 2026, FFIEC 051 · Woodtrust Bank call report
- Holding company
- WOODTRUST FINANCIAL CORPORATION
- Asset rank in state
- 45th of 153 in Wisconsin
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%. The figures come from its call report filed with the FFIEC.
Woodtrust Bank ranks as the 45th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.9% to $734.8M, loans fell 3.1% and deposits rose 4.6%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 34.0% of total loans, followed by owner-occupied commercial real estate loans at 18.4%. Its 7 offices in the FDIC Summary of Deposits are in 4 cities in WI; its Wisconsin Rapids 3 offices book 87% of its branch deposits. Judged on its Q2 2026 call report, Woodtrust Bank meets the community bank leverage ratio test for well capitalized.
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)
- Domestic offices
- 7 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Woodtrust Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Woodtrust Bank's total assets moved between a low of $599.2M (Q3 2023) and a high of $734.8M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$734.8M total assets against $651.6M; $666.0M total liabilities against $584.0M.
$374.7M net loans and leases against $373.6M; $600.7M total deposits against $542.8M.
$155.9M securities against $200.9M; $191.7M cash and balances due against $65.4M.
$7.9M total interest income against $7.8M; $1.4M total interest expense against $1.7M.
$6.5M net interest income against $6.2M.
$4.8M total noninterest income against $4.8M; $4.4M total noninterest expense against $4.2M.
$1.3M provision for credit losses against $150K.
$5.3M net income against $6.4M.
3.19% return on assets against 4.03%; 3.92% net interest margin against 3.91%.
10.94% tier 1 leverage ratio against 11.41%.
Inside the full Woodtrust Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 55 of 3,611, for ROA; its furthest is 1,325 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 3.19% (Q2 2026) to 4.05% (Q3 2025) and its net interest margin ran from 3.70% (Q3 2024) to 4.02% (Q4 2025).
| 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
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Woodtrust Bank headquartered?
It is headquartered in Wisconsin Rapids, WI, United States.
When was Woodtrust Bank founded?
It was established in 1891, per the FDIC institution directory.
Is Woodtrust Bank FDIC-insured?
Yes. It 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.
How many branches does Woodtrust Bank operate?
It 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?
Its Texas Ratio is 6.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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