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WOODTRUST BANK

Community Specialty: Commercial WI FDIC cert 5335

Wisconsin Rapids, WI

1484 banks in Community tier nationally 63 in WI
View Community leaderboard (WI) →

WOODTRUST BANK has 3 strengths but faces 2 concerns

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 5% in Community
  • + Profitability Leader: Top 50% in Community
  • + Efficiency Ratio 24.29% below tier

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 6% in Community
  • - Delinquency Rate 1.42% above tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $662.6M
-2.2% YoY -8.5% QoQ
-$728.8M $1.4B
+2.0% YoY
$1.1B
+5.1% YoY
$5.9B
+6.5% YoY
23%
Total Loans ? $393.1M
+13.9% YoY +0.0% QoQ
-$582.3M $975.5M
+2.4% YoY
$768.8M
+4.7% YoY
$3.1B
+8.5% YoY
Bottom 13% in tier
Total Deposits ? $571.2M
+2.7% YoY -1.4% QoQ
-$593.4M $1.2B
+1.7% YoY
$858.9M
+4.5% YoY
$4.7B
+6.3% YoY
25%
Return on Assets ? 3.65%
-1.5% YoY -4.5% QoQ
+2.48% 1.16%
+17.2% YoY
1.12%
+22.4% YoY
1.12%
+15.6% YoY
Top 1% in tier
Net Interest Margin ? 3.77%
+1.8% YoY +1.8% QoQ
+0.11% 3.66%
+9.1% YoY
3.60%
+10.9% YoY
3.75%
+7.1% YoY
59%
Efficiency Ratio ? 38.34%
-2.9% YoY -0.2% QoQ
-24.29% 62.63%
-5.3% YoY
64.76%
-6.6% YoY
65.09%
-5.1% YoY
Top 4% in tier
Delinquency Rate ? 2.05%
-23.4% QoQ
+1.42% 0.63%
+18.3% YoY
0.52%
+44.6% YoY
0.66%
+20.3% YoY
Bottom 9% in tier
Loan-to-Deposit Ratio ? 68.83%
+10.8% YoY +1.4% QoQ
-14.24% 83.06%
+0.3% YoY
85.80%
+1.3% YoY
78.04%
+0.7% YoY
82%
Non-Interest-Bearing Deposit Share ? 21.33%
+6.8% YoY -24.6% QoQ
+0.28% 21.05%
-0.9% YoY
18.83%
-1.2% YoY
21.79%
-1.3% YoY
56%
Nonperforming Asset Ratio ? 1.22%
-16.2% QoQ
+0.72% 0.50%
+20.3% YoY
0.37%
+20.8% YoY
0.48%
+20.8% YoY
Bottom 15% in tier
Tier 1 Capital Ratio ? 0.00% -10.24% 10.24%
-0.6% YoY
8.70%
-2.9% YoY
9.75%
-1.9% YoY
29%
Non-Interest Income / Assets ? 3.17%
+14.9% YoY +53.2% QoQ
+2.43% 0.74%
-1.3% YoY
0.58%
+3.9% YoY
0.65%
+0.6% YoY
Top 2% in tier

Signature Analysis

Strengths (3)

Revenue Diversifier

growth
#19 of 371 · Top 5% in Community

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 3.17%
(Tier: 0.74%, National: 0.65%)
better than tier avg
Return on Assets: 3.65%
(Tier: 1.16%, National: 1.12%)
better than tier avg
371 of 371 Community banks match · 441 nationally
→ Stable +4 banks QoQ | QoQ rank declining

Profitability Leader

growth
#186 of 371 · Top 50% in Community

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 3.65%
(Tier: 1.16%, National: 1.12%)
better than tier avg
371 of 371 Community banks match · 444 nationally
→ Stable +5 banks QoQ | QoQ rank declining

Efficiency Ratio

metric
Top 4% in Community
Why this stands out
Current: 38.34%
(Tier avg: 62.63%, National avg: 65.09%)

Concerns (2)

Capital Thin

risk
#28 of 432 · Bottom 6% in Community

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Risk-Based Capital Ratio: 0.00%
(Tier: 10.24%, National: 9.75%)
worse than tier avg
432 of 432 Community banks match · 505 nationally
→ Stable +11 banks QoQ | QoQ rank improving

Delinquency Rate

metric
Bottom 9% in Community
Why this stands out
Current: 2.05%
(Tier avg: 0.63%, National avg: 0.66%)

Metric Rankings

How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.

Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%

Comparing against 1484 peers in Community tier

Top Strengths

99
Return on Assets
Current: 3.65% · Tier avg: 1.16%
99th pctile
98
Non-Interest Income / Assets
Current: 3.17% · Tier avg: 0.74%
98th pctile
96
Efficiency Ratio
Current: 38.34% · Tier avg: 62.63%
96th pctile
82
Loan-to-Deposit Ratio
Current: 68.83% · Tier avg: 83.06%
82th pctile
59
Net Interest Margin
Current: 3.77% · Tier avg: 3.66%
59th pctile
56
Non-Interest-Bearing Deposit Share
Current: 21.33% · Tier avg: 21.05%
56th pctile
29
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29th pctile
25
Total Deposits
Current: $571.2M · Tier avg: $1.2B
25th pctile
23
Total Assets
Current: $662.6M · Tier avg: $1.4B
23th pctile
15
Nonperforming Asset Ratio
Current: 1.22% · Tier avg: 0.50%
15th pctile
13
Total Loans
Current: $393.1M · Tier avg: $975.5M
13th pctile
9
Delinquency Rate
Current: 2.05% · Tier avg: 0.63%
9th pctile

Top Weaknesses

9
Delinquency Rate
Current: 2.05% · Tier avg: 0.63%
9th pctile
13
Total Loans
Current: $393.1M · Tier avg: $975.5M
13th pctile
15
Nonperforming Asset Ratio
Current: 1.22% · Tier avg: 0.50%
15th pctile
23
Total Assets
Current: $662.6M · Tier avg: $1.4B
23th pctile
25
Total Deposits
Current: $571.2M · Tier avg: $1.2B
25th pctile
29
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29th pctile
56
Non-Interest-Bearing Deposit Share
Current: 21.33% · Tier avg: 21.05%
56th pctile
59
Net Interest Margin
Current: 3.77% · Tier avg: 3.66%
59th pctile
82
Loan-to-Deposit Ratio
Current: 68.83% · Tier avg: 83.06%
82th pctile
96
Efficiency Ratio
Current: 38.34% · Tier avg: 62.63%
96th pctile
98
Non-Interest Income / Assets
Current: 3.17% · Tier avg: 0.74%
98th pctile
99
Return on Assets
Current: 3.65% · Tier avg: 1.16%
99th pctile
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