BlastPoint's Banking Scorecard

WOODTRUST BANK

$100M-$1B Specialty: Commercial WI FDIC cert 5335

Wisconsin Rapids, WI

7 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
Deposits +10.7% year over year ($600.7M on the books).
Delinquency rate 1.35%.
Return on assets 3.43%.
Efficiency ratio 38.22% vs a 64.48% peer average.
Loan-to-deposit ratio 62.37% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI

View $100M-$1B leaderboard (WI) →

WOODTRUST BANK has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 3.8% in tier
+ Return on Assets 2.11% above tier average
+ Efficiency Ratio 26.26% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.19% below tier average
- Delinquency Rate 0.43% above tier average

Get updates when WOODTRUST BANK releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$734.8M +12.8% YoY +3.9% QoQ	+$348.2M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	Top 11.0% in tier
Total Loans ?	$374.7M +0.3% YoY -2.9% QoQ	+$116.3M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	77%
Total Deposits ?	$600.7M +10.7% YoY +4.6% QoQ	+$273.9M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	Top 12.3% in tier
Return on Assets ?	3.43% -11.4% YoY -12.1% QoQ	+2.11%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	Top 1.1% in tier
Net Interest Margin ?	3.79% +1.0% YoY -2.5% QoQ	-0.19%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	42%
Efficiency Ratio ?	38.22% -0.0% YoY +1.3% QoQ	-26.26%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	Top 2.7% in tier
Delinquency Rate ?	1.35% -53.7% YoY -31.3% QoQ	+0.43%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	21%
Loan-to-Deposit Ratio ?	62.37% -9.4% YoY -7.2% QoQ	-15.58%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	80%
Non-Interest-Bearing Deposit Share ?	19.19% -10.4% YoY -2.4% QoQ	-2.84%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	42%
Nonperforming Asset Ratio ?	0.69% -58.8% YoY -35.8% QoQ	+0.02%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	31%
Tier 1 Capital Ratio ?	10.93% -4.2% YoY +3.3% QoQ	-4.97%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	22%
Non-Interest Income / Assets ?	1.36% -10.3% YoY +85.6% QoQ	+0.79%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	Top 2.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Noninterest-Bearing	19.2% -2.2pp YoY -0.5pp QoQ	-3.0pp	22.1%	18.9%	22.2%	41%
Brokered Deposits	n/a	n/a	7.9%	9.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	9.0% -1.7pp YoY -0.3pp QoQ	-2.5pp	11.6%	10.5%	12.5%	47%
CRE	68.8% -0.5pp YoY -0.6pp QoQ	+29.3pp	39.5%	46.4%	41.4%	92%
1-4 Family	12.5% -0.6pp YoY -0.2pp QoQ	-20.1pp	32.6%	32.3%	31.3%	15%
Consumer	8.3% +3.5pp YoY +0.7pp QoQ	+4.2pp	4.1%	2.6%	5.0%	89%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.5%	19.7%	n/a
Leverage Ratio	10.9% -0.5pp YoY +0.3pp QoQ	-1.2pp	12.2%	12.6%	12.6%	49%
Total Capital Ratio	n/a	n/a	19.9%	16.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	86 -1 (-1.1%) YoY -3 (-3.4%) QoQ	+27	58	134	482	81%
Assets per Employee ($)	$8.5M +14.1% YoY +7.5% QoQ	+$1.0M	$7.5M	$8.2M	$8.8M	74%
Branch Count	7 0 YoY 0 QoQ	+2	4	9	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	1.4% -1.6pp YoY -0.6pp QoQ	+0.4pp	0.9%	0.9%	1.0%	79%
Allowance Coverage	1.30x +111.8% YoY +33.4% QoQ	-22.85x	24.15x	56.89x	20.23x	35%
Net Charge-off Rate (YTD)	1.1% +1.1pp YoY +1.1pp QoQ	+0.9pp	0.1%	0.0%	0.2%	98%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	36.9% -4.3pp YoY -5.2pp QoQ	+24.7pp	12.2%	11.8%	11.6%	99%
Cost of Funds (YTD)	0.8% -0.2pp YoY 0.0pp QoQ	-0.9pp	1.7%	1.8%	1.7%	6%
Net Income ($, YTD)	$12.0M -6.5% YoY — QoQ	+$9.5M	$2.6M	$7.9M	$40.4M	99%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#26 of 661 • Top 3.8% in tier

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

Why this signature

Noninterest Income / Assets: 1.36%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 3.43%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

Return on Assets

profitability

Value: 3.43%

Peer Median: 1.32%

#31 of 2643 Top 1.1% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 1.36%

Peer Median: 0.57%

#68 of 2643 Top 2.5% in $100M-$1B

Efficiency Ratio

profitability

Value: 38.22%

Peer Median: 64.48%

#72 of 2643 Top 2.7% in $100M-$1B

292

Total Assets

size

Value: $734.75M

Peer Median: $386.57M

#292 of 2643 Top 11.0% in $100M-$1B

325

Total Deposits

size

Value: $600.68M

Peer Median: $326.73M

#325 of 2643 Top 12.3% in $100M-$1B

533

Loan-to-Deposit Ratio

liquidity

Value: 62.37%

Peer Median: 77.95%

#533 of 2643 Top 20.1% in $100M-$1B

622

Total Loans

size

Value: $374.67M

Peer Median: $258.35M

#622 of 2643 Top 23.5% in $100M-$1B

Top Weaknesses (2 metrics)

2088

Delinquency Rate

credit_quality

Value: 1.35%

Peer Median: 0.92%

#2088 of 2633 Bottom 20.7% in $100M-$1B

2055

Tier 1 Capital Ratio

capital

Value: 10.93%

Peer Median: 15.91%

#2055 of 2643 Bottom 22.3% in $100M-$1B