Bank Performance
The following tables show selected quarterly performance indicators for Wisconsin state-chartered banks.
Data as of March 31, 2025
| 2022
| 2023
| 2024 | 2025
| U.S. 2025
|
Number of Banks
| 132
| 125
| 119 | 117
| 3917
|
Capital
| | | | | |
Capital Ratio
| 10.05% | 9.77%
| 9.91% | 10.20%
| 10.08%
|
Asset Quality
| |
| | | |
Past Due
|
0.64% |
0.55%
| 0.82% | 0.97%
|
1.59%
|
Real Estate
|
0.61% |
0.52%
| 0.71% | 0.89%
|
1.71% |
|
Consumer |
0.43% |
0.76%
| 0.67% | 1.04%
|
2.74%
|
|
Commercial |
0.81% |
0.67%
| 1.49% | 1.45%
|
1.31% |
Net Charge Offs*
|
0.02% |
0.00%
| 0.04% | 0.10%
|
0.64%
|
Earnings | | | | |
|
Return on Assets*
|
1.13% |
0.97%
| 0.90% | 1.05%
|
1.18% |
Return on Earnings*
|
10.92% |
10.09%
| 9.11% | 10.43%
|
11.70%
|
Net Interest Margin
|
3.11% |
3.32%
| 3.10% | 3.38%
|
3.23%
|
Allowance for Loan and Lease Losses/Allowance for Credit Losses
|
1.46% |
1.35%
| 1.26% | 1.23%
|
1.71% |
Liquidity |
| | | |
|
Loans to Deposits
|
75.30% |
85.55%
| 89.29% | 88.17%
|
64.42%
|
*Annualized
Data as of June 30, 2025
| 2022
| 2023
| 2024
| 2025
| U.S. 2025
|
Number of Banks
| 132
| 124
| 119
| 117
| 3883
|
Capital
| | | | | |
Capital Ratio
| 9.72%
| 9.61%
| 9.99%
| 10.31%
| 10.15%
|
Asset Quality
| | | | | |
Past Due
| 0.63%
| 0.54%
| 0.83%
| 0.99%
| 1.50%
|
Real Estate
| 0.57%
| 0.44%
| 0.74%
| 0.83%
| 1.64%
|
Consumer
| 0.41%
| 0.65%
| 0.90%
| 1.21%
| 2.63%
|
| Commercial | 0.95%
| 1.07%
| 1.41%
| 1.97%
| 1.26%
|
Net Charge Offs*
| -0.01%
| 0.02%
| 0.03%
| 0.12%
| 0.59%
|
Earnings
|
| | | | |
Return on Assets*
| 1.16%
| 0.96%
| 0.96%
| 1.11%
| 1.15%
|
Return on Earnings*
| 11.48%
| 9.97%
| 9.66%
| 10.94%
| 11.37%
|
Net Interest Margin
| 3.22%
| 3.27%
| 3.15%
| 3.37%
| 3.20%
|
Allowance for Loan and Lease Losses/Allowance for Credit Losses
| 1.40%
| 1.31%
| 1.25%
| 1.23%
| 1.68%
|
Liquidity
|
|
| | |
|
Loans to Deposits
| 79.03%
| 88.27%
| 88.34%
| 89.06%
| 65.04%
|
*Annualized
Data as of September 30, 2025
| 2022
| 2023
| 2024
| 2025
| U.S. 2025
|
Number of Banks
| 130
| 120
| 119
| 116
| 3,848
|
Capital
| | | | |
|
Capital Ratio
| 9.38%
| 9.44%
| 10.28%
| 10.56%
| 10.26%
|
Asset Quality
| |
| | |
|
Past Due
| 0.56%
| 0.62%
| 0.88%
| 0.99%
| 1.50%
|
Real Estat
| 0.51%
| 0.52%
| 0.76%
| 0.84%
| 1.64%
|
| Consumer | 0.43%
| 0.76%
| 0.74%
| 1.05%
| 2.72%
|
| Commercial | 0.77%
| 1.18%
| 1.64%
| 1.94%
| 1.31%
|
Net Charge Offs*
| 0.00%
| 0.03%
| 0.04%
| 0.10%
| 0.59%
|
Earnings |
| | | |
|
Return on Assets*
|
1.19%
| 0.92%
| 0.97%
| 1.17%
|
1.19% |
Return on Earnings*
|
11.91%
| 9.67%
| 9.71%
| 11.37%
|
11.75% |
Net Interest Margin
|
3.33%
| 3.20%
| 3.18%
| 3.54%
|
3.24% |
Allowance for Loan and Lease Losses/Allowance for Credit Losses
|
1.35%
| 1.28%
| 1.25%
| 1.22%
|
1.66% |
Liquidity | |
| | |
|
Loans to Deposits
|
80.92%
| 88.08%
| 89.32%
| 88.44%
|
65.57% |
*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