Bank Performance
The following tables show selected quarterly performance indicators for Wisconsin state-chartered banks.
Data as of March 31, 2023
| 2020
| 2021
| 2022
| 2023
| U.S. 2023
|
Number of Banks
| 142
| 135 | 132
| 125
| 4,096
|
Capital
| | | | | |
Capital Ratio
| 12.05% | 10.86% | 10.05% | 9.77%
| 9.64%
|
Asset Quality
| | | |
| |
Past Due
| 1.52% | 0.97% | 0.64% | 0.55%
| 1.24%
|
Real Estate
| 1.45% | 0.97% | 0.61% | 0.52%
| 1.26% |
| Consumer | 0.93% | 0.65% | 0.43% | 0.76%
| 2.20%
|
| Commercial | 1.62% | 0.80% | 0.81% | 0.67%
| 0.97% |
Net Charge Offs*
| 0.03% | -0.02% | 0.02% | 0.00%
| 0.39%
|
Earnings | | | | |
|
Return on Assets*
| 1.08% | 1.52% | 1.13% | 0.97%
| 1.39% |
Return on Earnings*
| 9.04% | 13.88%
| 10.92% | 10.09%
| 14.56%
|
Net Interest Margin
| 3.51% | 3.37% | 3.11% | 3.32%
| 3.31%
|
Allowance for Loan and Lease Losses
| 1.33% | 1.46% | 1.46% | 1.35%
| 1.62% |
Liquidity | | |
| |
|
Loans to Deposits
| 89.57% | 80.11% | 75.30% | 85.55%
| 64.30%
|
*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
| 1.29% | 1.48% | 1.40%
| 1.31%
| 1.66%
|
Liquidity
| | |
|
| |
Loans to Deposits
| 87.43% | 78.23% | 79.03%
| 88.27%
| 64.95%
|
*Annualized
Data as of September 30, 2022
| 2019
| 2020
| 2021
| 2022
| U.S. 2022
|
Number of Banks
| 150 | 137 | 134
| 130
| 4,157
|
Capital
|
|
|
| |
|
Capital Ratio
| 11.97% | 11.12% | 10.97% | 9.38%
| 9.25%
|
Asset Quality
|
| | | |
|
Past Due
| 1.19% | 1.17% | 0.76% | 0.56%
| 1.22%
|
Real Estate
| 1.09% | 1.07% | 0.76% | 0.51%
| 1.20%
|
| Consumer | 0.49% | 0.78% | 0.45% | 0.43%
| 1.93%
|
| Commercial | 1.46% | 1.24% | 0.71% | 0.77%
| 1.11%
|
Net Charge Offs*
| 0.07% | 0.06% | -0.01% | 0.00%
| 0.23%
|
Earnings | | | |
|
|
Return on Assets*
| 1.25% | 1.29% | 1.39% | 1.19%
| 1.11% |
Return on Earnings*
| 10.60% | 11.25% | 12.65% | 11.91%
| 11.64% |
Net Interest Margin
| 3.67% | 3.49% | 3.35% | 3.33%
| 2.80% |
Allowance for Loan and Lease Losses
| 1.28% | 1.36% | 1.49% | 1.35%
| 1.52% |
Liquidity | |
| | |
|
Loans to Deposits
| 90.55% | 87.07% | 76.98% | 80.92%
| 61.21% |
*Annualized
Data as of December 31, 2022
| 2019 | 2020 | 2021
| 2022 | U.S. 2022
|
Number of Banks
| 146 | 135 | 132
| 129 | 4,231 |
Capital
| | | | | |
Capital Ratio
| 11.86% | 11.06% | 10.67% | 9.45% | 9.46% |
Asset Quality
| | | | | |
Past Due
| 1.33% | 1.06% | 0.67% | 0.59% | 1.26% |
Real Estate
| 1.24% | 1.04% | 0.64% | 0.56% | 1.25% |
Consumer
| 0.90% | 0.77% | 0.45% | 0.55% | 2.21% |
| Commercial | 1.61% | 1.02% | 0.80% | 0.79% | 1.03% |
Net Charge Offs
| 0.10% | 0.10% | 0.00% | 0.02% | 0.26% |
Earnings
| | | | | |
| Return on Assets | 1.25% | 1.34% | 1.32% | 1.14% | 1.12% |
Return on Earnings
| 10.59% | 11.79% | 12.14% | 11.53% | 11.80% |
Net Interest Margin
| 3.66% | 3.49% | 3.31% | 3.35% | 2.93% |
Allowance for Loan and Lease Losses
| 1.28% | 1.45% | 1.47% | 1.32% | 1.56% |
Liquidity
| | | | | |
Loans to Deposits
| 87.80% | 82.02% | 75.56% | 82.74% | 62.90% |
Contact Us
Phone: (608) 261-7578
Email: DFIBankingRequests@dfi.wisconsin.gov