| Metric | WOODTRUST BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.8% | +4.9% | +7.9 pts |
| Deposit growth (YoY) | +10.7% | +4.3% | +6.3 pts |
| Loan growth (YoY) | +0.3% | +5.3% | -5.1 pts |
| ROA | 3.43% | 1.28% | +2.1 pts |
| ROE | 36.9% | 12.4% | +24.4 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $734.8M | $600.7M | $374.7M | $68.7M | $12.0M | 3.43% | 3.79% | 0.69% |
| Q1 2026 | $707.5M | $574.4M | $386.0M | $66.5M | $6.7M | 3.90% | 3.89% | 1.07% |
| Q4 2025 | $662.6M | $571.2M | $393.1M | $60.4M | $24.7M | 3.65% | 3.77% | 1.22% |
| Q3 2025 | $724.4M | $579.1M | $393.0M | $71.6M | $19.5M | 3.82% | 3.71% | 1.45% |
| Q2 2025 | $651.6M | $542.8M | $373.6M | $67.6M | $12.9M | 3.87% | 3.76% | 1.67% |
| Q1 2025 | $665.0M | $545.6M | $367.3M | $63.8M | $6.5M | 3.85% | 3.66% | 0.02% |
| Q4 2024 | $677.3M | $556.0M | $345.3M | $56.0M | $23.9M | 3.70% | 3.71% | 0.03% |
| Q3 2024 | $658.5M | $549.5M | $353.5M | $68.5M | $17.8M | 3.72% | 3.73% | 0.03% |
Loan mix (Q2 2026): real estate $314.7M · commercial $33.8M · consumer $31.0M · securities $155.9M
| Ratio | WOODTRUST BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.43% | 1.28% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 36.9% | 12.4% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.2% | 61.2% | 4th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | WOODTRUST BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | WOODTRUST BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | WOODTRUST BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | WOODTRUST BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | WOODTRUST BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
7 branches in 4 counties across 1 state (+0 vs 2024) · $542.8M branch deposits. Biggest market: Wood, WI, ranked 1st with 14.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wood, WI | 3 | $469.4M | 14.18% | 1st |
| Portage, WI | 1 | $37.6M | 1.39% | 20th |
| Marathon, WI | 2 | $27.6M | 0.42% | 20th |
| 1 more county with Pro → | ||||
Wisconsin: 76th with 0.21% · Wausau metro: 20th, 0.42% ·
Branch count: 2022 6 · 2023 6 · 2024 7 · 2025 7