Bank Performance Indicators

​​​​​​​​​​​​​​​​​​​​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 Bank​s

​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%
​Loans to Assets
​67.21% ​64.58%

​70.61%

72.77% ​50.88%
*Annualized


​Data as of June 30, 2023

​​​​​​

2020​​​​​

2021​

​2022    

​​2023


​U.S. 2023

​Number of Banks

139
135
​132
​124
4,071

​Capital

​Capital Ratio
​11.02%​10.92%​9.72%
​9.61%
​9.68%

​Asset Quality

​Past Due
​1.22%​0.85%
​0.63%
​0.54%
​1.24%
​Real Estate
​1.20%​0.87%​0.57%
​0.44%
​1.25%
​Consumer
​0.68%​0.52%​0.41%
​0.65%
​2.26%
​Commercial​1.03%​0.65%​0.95%
​1.07%
​0.99%
​Net Charge Offs*
​0.06%​-0.02%​-0.01%
​0.02%
​0.43%

​Earnings


​Return on Assets*
​1.23%​1.44%​1.16%
​0.96%
​1.32%
​Return on Earnings*
​10.63%​13.13%​11.48%
​9.97%
​13.71%
​Net Interest Margin
​3.51%​3.37%​3.22%
​3.27%
​3.31%
​Allowance for Loan and Lease Losses/Allowance for Credit Losses
​1.29%​1.48%​1.40%
​1.31%
​1.66%

​Liquidity



​Loans to Deposits
​87.43%​78.23%​79.03%
​88.27%
​64.95%
​Loans to Assets
​71.82% ​65.74%​67.29%
​71.80%
​51.59%
*Annualized

​Data as of September 30, 2023

​​​​​​​​​​

​2020

​​202​1

​2022

​​2023


U.S. 2023

Number of Banks

​137​134
​130
​120
​4,049

​Capital​




​Capital Ratio
​11.12%​10.97%​9.38%​
​9.44%
​9.66%

​Asset Quality




​Past Due
​1.17%​0.76%​0.56%
​0.62%
​1.35%
​Real Estate
​1.07%​0.76%​0.51%
​0.52%
1.36%
​Consumer​0.78%​0.45%​0.43%
​0.76%
2.52%
​Commercial​1.24%​0.71%​0.77%
​1.18%
0.96%
​Net Charge Offs*
​0.06%​-0.01%​0.00%
​0.03%
0.45%

​Earnings



​Return on Assets*
​1.29%​1.39%​1.19%
​0.92%
1.28%
​Return on Earnings*
​11.25%​12.65%​11.91%
​9.67%​​
13.25%
​Net Interest Margin
​3.49%​3.35%​3.33%
​3.20%
​3.31%
​Allowance for Loan and Lease Losses/Allowance for Credit Losses
​1.36%​1.49%​1.35%​
​1.28%
1.69%

​Liquidity




​Loans to Deposits
​87.07%​76.98%80.92%
​88.08%
​65.48%
​Loans to Assets
​71.57% ​64.82%​68.89%
​72.21%
​51.85%​
*Annualized

​Data as of December 31, 2023



​2020

​2021

​2022

​2023

​U.S. 2023

​Number of Banks

​135​132
​129​119
​4026

​Capital




​Capital Ratio
​11.06%​10.67%​9.45%​9.83%
​9.76%

​Asset Quality

​Past Due
​1.06%​0.67%​0.59%​0.69%
​1.46%
​Real Estate
​1.04%​0.64%​0.56%​0.57%
1.45%
​Consumer
​0.77%​0.45%​0.55%​0.80%
2.78%
​Commercial​1.02%​0.80%​0.79%​1.42%
​1.05%
​Net Charge Offs
​0.10%​0.00%​0.02%​0.04%
​0.50%

​Earnings

​Return on Assets​1.34%​1.32%​1.14%​0.91%
​1.12%
​Return on Earnings
​11.79%​12.14%​11.53%​9.44%
​11.60%
​Net Interest Margin
​3.49%​3.31%​3.35%​3.23%
​3.30%
​Allowance for Loan and Lease Losses/Allowance for Credit Losses
​1.45%​1.47%​1.32%
​1.27%
​1.71%

​Liquidity


​Loans to Deposits
​82.02%​75.56%​82.74%​88.34%
​65.10%
​Loans to Assets
68.16% ​64.12%​69.46%​72.24%
51.70%

Contact Us​

Phone:  (608) 261-7578
Email:  DFIBankingRequests@dfi.wisconsin.gov