Woodtrust 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.
Reserve coverage of non-performing loans climbed 32.56 percentage points in Q2 2026, from 97.46% to 130.02%. It was the largest change from Q1 2026 among the key lines here. Among 153 Wisconsin banks, Woodtrust Bank sits 5th from the top on return on assets, 3.19% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Woodtrust Bank reported 3.19% on return on assets in Q2 2026, 1.94 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.94% |
| Equity capital to assets | 9.35% |
| Tangible equity to tangible assets | 9.35% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.33% |
| Non-performing assets ratio | 0.69% |
| Net charge-off ratio | 2.16% |
| Texas ratio | 6.73% |
| Allowance for credit losses to loans | 1.73% |
| Reserve coverage of non-performing loans | 130.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.19% |
| Return on equity | 31.65% |
| Net interest margin | 3.92% |
| Efficiency ratio | 38.71% |
| Yield on earning assets | 4.78% |
| Cost of funds | 0.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.47% |
| Core deposits to total deposits | 99.53% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.75% |
| Securities to assets | 21.22% |
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 | 10.69% | 3.40% | 3.30% | 0.41% | 0.00% |
| Q4 2023 | 9.95% | 3.00% | 3.46% | 0.19% | 0.18% |
| Q1 2024 | 10.47% | 3.50% | 3.57% | 0.19% | 0.00% |
| Q2 2024 | 11.02% | 3.74% | 3.63% | 0.07% | 0.00% |
| Q3 2024 | 11.23% | 3.82% | 3.70% | 0.05% | -0.07% |
| Q4 2024 | 9.73% | 3.79% | 3.72% | 0.05% | 0.00% |
| Q1 2025 | 10.70% | 4.00% | 3.75% | 0.04% | 0.00% |
| Q2 2025 | 11.41% | 4.03% | 3.91% | 2.87% | 0.01% |
| Q3 2025 | 11.60% | 4.05% | 3.88% | 2.63% | -0.07% |
| Q4 2025 | 9.95% | 3.22% | 4.02% | 2.01% | 1.99% |
| Q1 2026 | 10.59% | 3.98% | 3.91% | 1.93% | -0.01% |
| Q2 2026 | 10.94% | 3.19% | 3.92% | 1.33% | 2.16% |
Woodtrust Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodtrust 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 Woodtrust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5335) · FFIEC NIC profile (RSSD 833749)