Headquartered in Monroe, Wisconsin, Woodford State Bank is a state-chartered bank with $523.4M in total assets and $406.1M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1915.
Woodford State Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 111th. Problem-loan coverage contributes the most (92/100, 4.0%); capital cushion contributes the least (31/100, 8.11%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 66).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 50 |
| Q3 2024 | 52 |
| Q4 2024 | 55 |
| Q1 2025 | 63 |
| Q2 2025 | 66 |
| Q3 2025 | 65 |
| Q4 2025 | 68 |
| Q1 2026 | 69 |
| Q2 2026 | 66 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.18% |
| Q3 2024 | 7.69% |
| Q4 2024 | 7.42% |
| Q1 2025 | 7.24% |
| Q2 2025 | 7.63% |
| Q3 2025 | 7.59% |
| Q4 2025 | 8.30% |
| Q1 2026 | 8.22% |
| Q2 2026 | 8.11% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.25% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.33% |
| Q1 2025 | 0.32% |
| Q2 2025 | 0.21% |
| Q3 2025 | 0.24% |
| Q4 2025 | 0.15% |
| Q1 2026 | 0.17% |
| Q2 2026 | 0.36% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.68% |
| Q3 2024 | 0.16% |
| Q4 2024 | 0.23% |
| Q1 2025 | 1.26% |
| Q2 2025 | 1.32% |
| Q3 2025 | 1.34% |
| Q4 2025 | 1.41% |
| Q1 2026 | 1.55% |
| Q2 2026 | 1.47% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $523.4M | 8.11% | 0.36% | 1.47% | 96.7% |
| Q1 2026 | 69 | $509.6M | 8.22% | 0.17% | 1.55% | 95.8% |
| Q4 2025 | 68 | $509.0M | 8.30% | 0.15% | 1.41% | 97.3% |
| Q3 2025 | 65 | $490.9M | 7.59% | 0.24% | 1.34% | 94.6% |
| Q2 2025 | 66 | $481.4M | 7.63% | 0.21% | 1.32% | 90.1% |
| Q1 2025 | 63 | $470.2M | 7.24% | 0.32% | 1.26% | 90.2% |
| Q4 2024 | 55 | $452.7M | 7.42% | 0.33% | 0.23% | 90.8% |
| Q3 2024 | 52 | $452.3M | 7.69% | 0.60% | 0.16% | 93.8% |
| Q2 2024 | 50 | $441.1M | 8.18% | 1.25% | 0.68% | 92.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Coulee BankBank La Crosse, WI | 39 out of 100, Low | $524.4M | 9.1% | 2.50% | vs |
| First Citizens State BankBank Whitewater, WI | 90 out of 100, Very strong | $525.2M | 18.0% | 0.00% | vs |
| State Bank of ChiltonBank Chilton, WI | 80 out of 100, Strong | $516.5M | 12.7% | 0.58% | vs |
| Bank of Lake MillsBank Lake Mills, WI | 74 out of 100, Strong | $533.8M | 11.2% | 0.69% | vs |
| State Bank FinancialBank La Crosse, WI | 73 out of 100, Strong | $512.1M | 9.9% | 0.11% | vs |
| Mound City BankBank Platteville, WI | 86 out of 100, Very strong | $550.7M | 13.1% | 0.11% | vs |
Deposit insurance
Is my money safe at Woodford State Bank?
Yes. Woodford State Bank is an FDIC-insured institution (FDIC certificate #10011). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.1% of deposits ($49.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.11%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.90% (benchmark: 10%).
6 locations
Branches
Woodford State Bank lists 6 offices in 6 cities. Most locations:
- Argyle, WI (1)
- Blanchardville, WI (1)
- Darlington, WI (1)
- Monroe, WI (1)
- New Glarus, WI (1)
- South Wayne, WI (1)
HMDA 2025
Mortgage lending
In 2025, Woodford State Bank reported 183 home-loan applications under HMDA (LEI 254900B5PW4JPZAQI721): 167 originated ($51,845,000 total), 6 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Woodford State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10011
- RSSD ID
- 93244
- Primary regulator
- FDIC
- Holding company
- Woodford Bancshares Inc
- Established
- January 1, 1915
- Headquarters
- 403 W 8th St, Monroe, WI 53566
- Website
- www.woodfordstatebank.com
- Employees
- 73
Quick answers
Woodford State Bank: common questions
Is Woodford State Bank FDIC insured?
Yes. Woodford State Bank is an FDIC-insured institution (FDIC certificate #10011). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Woodford State Bank's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Woodford State Bank ever failed?
There is no failure record for FDIC certificate #10011 in the FDIC failed bank list.
How many branches does Woodford State Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Monroe
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Blackhawk Area Credit UnionCredit union Savanna, IL | 79 out of 100, Strong | $39.1M | 13.4% | 0.13% | vs |
| Community BankBank Winslow, IL | 75 out of 100, Strong | $310.8M | 16.0% | 1.50% | vs |
| Apple River State BankBank Apple River, IL | 74 out of 100, Strong | $675.2M | 9.7% | 0.24% | vs |
| Bank First, N.A.Bank Manitowoc, WI | 68 out of 100, Moderate | $5.9B | 9.3% | 0.56% | vs |
| Lake Ridge BankBank Middleton, WI | 68 out of 100, Moderate | $3.4B | 10.0% | 0.34% | vs |
| Summit Credit UnionCredit union Madison, WI | 67 out of 100, Moderate | $8.5B | 10.3% | 0.65% | vs |