WOODTRUST BANK: how it compares with its peers
Against 60 WI banks with half to twice its assets, WOODTRUST BANK's strongest measure in Q2 2026 is efficiency ratio (38.22% vs. a 59.21% peer median). Its weakest relative measure is net interest margin (3.79% vs. 3.75%).
| Measure | WOODTRUST BANK | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 3.43% | 1.27% | Top third Ahead of 98% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.79% | 3.75% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 38.22% | 59.21% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.5M | $7.6M | Middle third Ahead of 65% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.37% | 89.64% | Context |
What it means for lending operations
Its efficiency ratio of 38.22% is better than the 59.21% 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
- Chippewa Valley Bank Hayward, WI · $736M
- Dairy State Bank Rice Lake, WI · $730M
- Northwestern Bank Chippewa Falls, WI · $726M
- Bank of Prairie du Sac Prairie Du Sac, WI · $745M
- Bank of Luxemburg Luxemburg, WI · $723M
- Fortifi Bank Berlin, WI · $750M
Questions about WOODTRUST BANK
How big is WOODTRUST BANK?
WOODTRUST BANK, established in 1891, is headquartered in Wisconsin Rapids, WI. It reported $735M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is WOODTRUST BANK's return on assets?
3.43% annualized in Q2 2026, against a 1.27% median for 60 WI banks with half to twice its assets, ahead of 98% of them.
What is WOODTRUST BANK's efficiency ratio?
38.22% in Q2 2026: it spent about 38 cents in noninterest expense for each dollar of revenue. The peer median is 59.21%, and lower is better.
Is WOODTRUST BANK growing its loans?
Net loans grew 0.3% over the year to Q2 2026, while deposits grew 10.7%.
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.