Bank Performance
The following tables show selected quarterly performance indicators for Wisconsin state-chartered banks.
Data as of March 31, 2024
| 2021
| 2022
| 2023
| 2024 | U.S. 2024
|
Number of Banks
| 135 | 132
| 125
| 119 | 4,012
|
Capital
| | | | | |
Capital Ratio
| 10.86% | 10.05% | 9.77%
| 9.91% | 9.71%
|
Asset Quality
| | |
| | |
Past Due
|
0.97% |
0.64% |
0.55%
| 0.82% |
1.47%
|
Real Estate
|
0.97% |
0.61% |
0.52%
| 0.71% |
1.48% |
|
Consumer |
0.65% |
0.43% |
0.76%
| 0.67% |
2.65%
|
|
Commercial |
0.80% |
0.81% |
0.67%
| 1.49% |
1.13% |
Net Charge Offs*
|
-0.02% |
0.02% |
0.00%
| 0.04% |
0.63%
|
Earnings | | | | |
|
Return on Assets*
|
1.52% |
1.13% |
0.97%
| 0.90% |
1.10% |
Return on Earnings*
|
13.88%
|
10.92% |
10.09%
| 9.11% |
11.30%
|
Net Interest Margin
|
3.37% |
3.11% |
3.32%
| 3.10% |
3.17%
|
Allowance for Loan and Lease Losses/Allowance for Credit Losses
|
1.46% |
1.46% |
1.35%
| 1.26% |
1.72% |
Liquidity | |
| | |
|
Loans to Deposits
|
80.11% |
75.30% |
85.55%
| 89.29% |
64.21%
|
*Annualized
Data as of June 30, 2024
| 2021
| 2022
| 2023
| 2024
| U.S. 2024
|
Number of Banks
| 135
| 132
| 124
| 119
| 3,985
|
Capital
| | | | | |
Capital Ratio
| 10.92% | 9.72%
| 9.61%
| 9.99%
| 9.91%
|
Asset Quality
| | | | | |
Past Due
| 0.85%
| 0.63%
| 0.54%
| 0.83%
| 1.47%
|
Real Estate
| 0.87% | 0.57%
| 0.44%
| 0.74%
| 1.54%
|
Consumer
| 0.52% | 0.41%
| 0.65%
| 0.90%
| 2.60%
|
| Commercial | 0.65% | 0.95%
| 1.07%
| 1.41%
| 1.13%
|
Net Charge Offs*
| -0.02% | -0.01%
| 0.02%
| 0.03%
| 0.64%
|
Earnings
| |
| | | |
Return on Assets*
| 1.44% | 1.16%
| 0.96%
| 0.96%
| 1.16%
|
Return on Earnings*
| 13.13% | 11.48%
| 9.97%
| 9.66%
| 11.89%
|
Net Interest Margin
| 3.37% | 3.22%
| 3.27%
| 3.15%
| 3.16%
|
Allowance for Loan and Lease Losses/Allowance for Credit Losses
| 1.48% | 1.40%
| 1.31%
| 1.25%
| 1.72%
|
Liquidity
| |
|
| | |
Loans to Deposits
| 78.23% | 79.03%
| 88.27%
| 88.34%
| 78.69%
|
*Annualized
Data as of September 30, 2024
| 2021
| 2022
| 2023
| 2024
| U.S. 2024
|
Number of Banks
| 134
| 130
| 120
| 119
| 3,966
|
Capital
|
| | | |
|
Capital Ratio
| 10.97% | 9.38%
| 9.44%
| 10.28%
| 10.10%
|
Asset Quality
| | |
| |
|
Past Due
| 0.76% | 0.56%
| 0.62%
| 0.88%
| 1.53%
|
Real Estate
| 0.76% | 0.51%
| 0.52%
| 0.76%
| 1.59%
|
| Consumer | 0.45% | 0.43%
| 0.76%
| 0.74%
| 2.73%
|
| Commercial | 0.71% | 0.77%
| 1.18%
| 1.64%
| 1.16%
|
Net Charge Offs*
| -0.01% | 0.00%
| 0.03%
| 0.04%
| 0.64%
|
Earnings | |
| | |
|
Return on Assets*
|
1.39% |
1.19%
| 0.92%
| 0.97%
|
1.14% |
Return on Earnings*
|
12.65% |
11.91%
| 9.67%
| 9.71%
|
11.59% |
Net Interest Margin
|
3.35% |
3.33%
| 3.20%
| 3.18%
|
3.18% |
Allowance for Loan and Lease Losses/Allowance for Credit Losses
|
1.49% |
1.35%
| 1.28%
| 1.25%
|
1.72% |
Liquidity | | |
| |
|
Loans to Deposits
|
76.98% |
80.92%
| 88.08%
| 89.32%
|
64.92% |
*Annualized
Data as of December 31, 2024
| 2021
| 2022
| 2023
| 2024
| U.S. 2024
|
Number of Banks
| 132
| 129 | 119
| 118
| 3,941
|
Capital
| |
|
| |
|
Capital Ratio
| 10.67% | 9.45% | 9.83%
| 10.00%
| 10.03%
|
Asset Quality
| | | | | |
Past Due
| 0.67% | 0.59% | 0.69%
| 0.92%
| 1.62%
|
Real Estate
| 0.64% | 0.56% | 0.57%
| 0.83%
| 1.68% |
Consumer
| 0.45% | 0.55% | 0.80%
| 0.95%
| 2.94%
|
| Commercial | 0.80% | 0.79% | 1.42%
| 1.62%
| 1.30%
|
Net Charge Offs
| 0.00% | 0.02% | 0.04%
| 0.08%
| 0.65%
|
Earnings
| | | | | |
| Return on Assets | 1.32% | 1.14% | 0.91%
| 0.98%
| 1.14%
|
Return on Earnings
| 12.14% | 11.53% | 9.44%
| 9.82%
| 11.53%
|
Net Interest Margin
| 3.31% | 3.35% | 3.23%
| 3.24%
| 3.20% |
Allowance for Loan and Lease Losses/Allowance for Credit Losses
| 1.47% | 1.32%
| 1.27%
| 1.24%
| 1.71%
|
Liquidity
| | |
| | |
Loans to Deposits
| 75.56% | 82.74% | 88.34%
| 88.07%
| 64.99%
|
Contact Us
Phone: (608) 261-7578
Email:
DFIBankingRequests@dfi.wisconsin.gov