Woodford State Bank: how it compares with its peers
Against 80 WI banks with half to twice its assets, Woodford State Bank's strongest measure in Q2 2026 is net interest margin (3.92% vs. a 3.78% peer median). Its weakest relative measure is assets per employee ($7.2M vs. $7.4M).
| Measure | Woodford State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.47% | 1.32% | Middle third Ahead of 57% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.92% | 3.78% | Middle third Ahead of 64% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.35% | 59.64% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $7.4M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.66% | 86.11% | Context |
What it means for lending operations
Its efficiency ratio of 58.35% is better than the 59.64% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Coulee Bank La Crosse, WI · $524M
- First Citizens State Bank Whitewater, WI · $525M
- State Bank of Chilton Chilton, WI · $517M
- Bank of Lake Mills Lake Mills, WI · $534M
- State Bank Financial La Crosse, WI · $512M
- Mound City Bank Platteville, WI · $551M
Questions about Woodford State Bank
How big is Woodford State Bank?
Woodford State Bank, established in 1915, is headquartered in Monroe, WI. It reported $523M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Woodford State Bank's return on assets?
1.47% annualized in Q2 2026, against a 1.32% median for 80 WI banks with half to twice its assets, ahead of 57% of them.
What is Woodford State Bank's efficiency ratio?
58.35% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 59.64%, and lower is better.
Is Woodford State Bank growing its loans?
Net loans grew 15.5% over the year to Q2 2026, while deposits grew 7.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.