TellerScore

Headquartered in Wisconsin Rapids, Wisconsin, Woodtrust Bank is a state-chartered bank (fed member) with $734.8M in total assets and $600.7M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1891.

Based on its Q2 2026 filing, Woodtrust Bank scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 101st. Its strongest component is earnings (100/100; 3.43%), and its lowest is funding & liquidity (48/100; 62% loans-to-deposits, 60% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.93%
Loan quality56/100
Noncurrent loans ÷ total loans: 1.33%
Earnings100/100
Return on assets (annualized): 3.43%
Funding & liquidity48/100
Loans ÷ deposits and uninsured-deposit share: 62.4% · 60.4% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.73%

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

From Q2 2025 to Q2 2026, the score rose 14 points (54 → 68), mostly because the loan quality component improved by 52 points.

TellerScore
546780Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202480
Q4 202476
Q1 202579
Q2 202554
Q3 202556
Q4 202557
Q1 202660
Q2 202668
Tier 1 leverage ratio
5.00%8.30%11.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.02%
Q3 202411.23%
Q4 20249.73%
Q1 202510.70%
Q2 202511.41%
Q3 202511.60%
Q4 20259.95%
Q1 202610.59%
Q2 202610.93%
Noncurrent loans
0.04%1.46%2.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.07%
Q3 20240.05%
Q4 20240.05%
Q1 20250.04%
Q2 20252.87%
Q3 20252.63%
Q4 20252.01%
Q1 20261.93%
Q2 20261.33%
Return on assets
3.43%3.66%3.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20243.68%
Q3 20243.72%
Q4 20243.70%
Q1 20253.85%
Q2 20253.87%
Q3 20253.82%
Q4 20253.65%
Q1 20263.90%
Q2 20263.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$734.8M10.93%1.33%3.43%62.4%
Q1 202660$707.5M10.59%1.93%3.90%67.2%
Q4 202557$662.6M9.95%2.01%3.65%68.8%
Q3 202556$724.4M11.60%2.63%3.82%67.9%
Q2 202554$651.6M11.41%2.87%3.87%68.8%
Q1 202579$665.0M10.70%0.04%3.85%67.3%
Q4 202476$677.3M9.73%0.05%3.70%62.1%
Q3 202480$658.5M11.23%0.05%3.72%64.3%
Q2 202480$611.2M11.02%0.07%3.68%66.7%

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).

Capital ratio10.93%
49th
Total risk-based capital0.00%
24th
Problem loans1.33%
21st
Net charge-offs1.07%
2nd
Return on assets3.43%
99th
Net interest margin3.79%
42nd
Efficiency ratio38.2%
97th
Loans to deposits62.4%
80th
Uninsured deposits60.4%
1st
Loan-loss reserves1.73%
88th
Texas ratio6.7%
28th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Chippewa Valley BankBank Hayward, WI74 out of 100, Strong$735.8M8.7%0.22%vs
Dairy State BankBank Rice Lake, WI80 out of 100, Strong$730.3M12.0%0.06%vs
Northwestern BankBank Chippewa Falls, WI80 out of 100, Strong$725.6M11.2%0.03%vs
Bank of Prairie du SacBank Prairie Du Sac, WI88 out of 100, Very strong$744.5M13.7%0.00%vs
Bank of LuxemburgBank Luxemburg, WI68 out of 100, Moderate$723.4M9.6%0.18%vs
Fortifi BankBank Berlin, WI58 out of 100, Moderate$750.4M12.6%2.40%vs

Deposit insurance

Is my money safe at Woodtrust Bank?

Yes. Woodtrust Bank is an FDIC-insured institution (FDIC certificate #5335). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 60.4% of deposits ($363.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.93%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Woodtrust Bank lists 5 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Woodtrust Bank reported 89 home-loan applications under HMDA (LEI 5493000JCZ0GMM2WOD15): 74 originated ($37,230,000 total), 7 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.1%, 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
Woodtrust Bank
Former names
The Wood County National Bank of Wisconsin Rapids; Wood County National Bank and Trust; Woodtrust Bank, N. A.; Wood County National Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
5335
RSSD ID
833749
Primary regulator
FED
Holding company
Woodtrust Financial Corp
Established
August 11, 1891
Headquarters
181 2nd St S, Wisconsin Rapids, WI 54494
Employees
86

Quick answers

Woodtrust Bank: common questions

Is Woodtrust Bank FDIC insured?

Yes. Woodtrust Bank is an FDIC-insured institution (FDIC certificate #5335). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Woodtrust Bank's TellerScore?

68 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 Woodtrust Bank ever failed?

There is no failure record for FDIC certificate #5335 in the FDIC failed bank list.

How many branches does Woodtrust Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wisconsin Rapids

InstitutionScoreAssetsCapitalProblem loansCompare
Nekoosa Port Edwards State BankBank Nekoosa, WI93 out of 100, Very strong$286.5M15.1%0.00%vs
Members' Advantage Credit UnionCredit union Wisconsin Rapid, WI93 out of 100, Very strong$185.2M19.2%0.21%vs
First Choice Credit UnionCredit union Marshfield, WI89 out of 100, Very strong$51.0M16.3%0.65%vs
Partners Bank of WisconsinBank Marshfield, WI86 out of 100, Very strong$294.2M14.7%0.36%vs
Valley Communities Credit UnionCredit union Mosinee, WI83 out of 100, Strong$306.9M13.0%0.28%vs
The Portage County BankBank Almond, WI83 out of 100, Strong$210.1M12.7%0.10%vs