BlastPoint's Banking Scorecard
WOODTRUST BANK
Wisconsin Rapids, WI
7 branches across WI
WOODTRUST BANK has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 4.3% in tier
- + Profitability Leader: Top 42.6% in tier
- + Efficiency Ratio 27.55% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.08% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$707.5M
+6.4% YoY
+6.8% QoQ
|
+$321.4M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
Top 12.3% in tier |
| Total Loans ? |
$386.0M
+5.1% YoY
-1.8% QoQ
|
+$130.3M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
78% |
| Total Deposits ? |
$574.4M
+5.3% YoY
+0.6% QoQ
|
+$246.5M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
Top 14.4% in tier |
| Return on Assets ? |
3.90%
+1.3% YoY
+6.9% QoQ
|
+2.63% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
Top 0.6% in tier |
| Net Interest Margin ? |
3.89%
+6.2% YoY
+3.1% QoQ
|
-0.04% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
51% |
| Efficiency Ratio ? |
37.74%
-1.0% YoY
-1.6% QoQ
|
-27.55% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
Top 2.4% in tier |
| Delinquency Rate ? |
1.97%
-4.1% QoQ
|
+1.08% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.8% in tier |
| Loan-to-Deposit Ratio ? |
67.20%
-0.2% YoY
-2.4% QoQ
|
-9.44% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
19.66%
+2.8% YoY
-7.8% QoQ
|
-2.36% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
43% |
| Nonperforming Asset Ratio ? |
1.07%
-11.8% QoQ
|
+0.43% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
18% |
| Tier 1 Capital Ratio ? |
10.59%
-1.0% YoY
+6.4% QoQ
|
-5.24% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.73%
-3.8% YoY
-76.9% QoQ
|
+0.45% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
Top 2.3% in tier |
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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 (2)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.