# WOODTRUST BANK
WISCONSIN RAPIDS, WI · FDIC certificate 5335 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $734.8M | |
| Deposits | $600.7M | |
| Loans and leases | $381.3M | |
| Total equity | $68.7M | |
| Loans / deposits | 62.37% (p15 of band) | 82.04% |
| Liquid assets / assets | 47.31% (p90 of band) | |
| Uninsured deposits / deposits | 60.43% (p98 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.61% (p73 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.93% (p53 of band) | 10.81% |
| Unrealized securities loss / equity | -57.65% (p3 of band) | -8.10% |
| AOCI / equity | -1.03% (p22 of band) | |
| ROA (annualized) | 3.43% (p99 of band) | 1.28% |
| Net interest margin | 3.79% (p43 of band) | 3.91% |
| Efficiency ratio | 38.22% (p4 of band) | |
| Noncurrent loans | 1.33% (p80 of band) | 0.43% |
| Net charge-offs (annualized) | 0.60% (p97 of band) | |
| Reserve coverage of noncurrent | 130.02% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 13.53% (p18 of band) | |
| Auto loans | $320,000 (0.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.7% | |
| Employees | 86 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **securities losses >30% of equity** (`cap_secloss`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 2 | reserve under noncurrent |  |
| 2013-03 | 0 |  | capital falling, reserve under noncurrent |
| 2013-06 | 1 | deposits shrinking |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | deposits shrinking |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 5 | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2016-06 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-09 | 3 | charge-offs p90 |  |
| 2016-12 | 3 | capital falling | noncurrent p90 |
| 2017-03 | 1 |  | charge-offs p90, capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 1 | capital falling | reserve under noncurrent |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 1 | NIM <2.5% |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 1 | uninsured deposits >50% | NIM <2.5%, capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity | uninsured deposits >50% |
| 2022-12 | 2 | uninsured deposits >50% | AOCI drag >20% of equity |
| 2023-03 | 0 |  | securities losses >30% of equity, uninsured deposits >50% |
| 2023-06 | 1 | uninsured deposits >50% |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | securities losses >30% of equity |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | securities losses >30% of equity |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 3 | charge-offs p90 | securities losses >30% of equity, noncurrent p90 |
| 2026-03 | 3 | securities losses >30% of equity | charge-offs p90 |
| 2026-06 | 3 | charge-offs p90 | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2016-06-22 [WoodTrust Bank new board of directors - Daily Tribune Media](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOejktdmJTMFk3R1c5dEx0Mm01MHJsTDdqZm9ZaDk0cVM2M1dlTjdrVUlSNzRwNUxtU2ZGWFlOcjdpdnBMRTRQOU1WQXhQbXhSVUl2dlVRUFlMeGdQNXRIcmhMZnZjNXI5aEtERTItTUdJT0ZQR2xkSFkzSnhUXzBXeDJpLVF2Z0I2OWxtdzlWcTRGanYwb1oxZVhuM2cyUnRTcFlrQVVVSFFtUQ?oc=5) · Daily Tribune Media
- 2022-10-31 [Wausau bank robber sentenced Monday - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNMlJiMmgycXVSSHd6dmQ4TllSNTIxY1g2VzU4UXZJY3Nkdm1CZU9NU01MMEQ2YjdUVzR1YzFPVjJxcGZlYmVtRUY1ZFRjSVl1MDVpOW9FSFo0X3NsbHFSQmZ5UG1nenJMZW5KR21vb3FlM29UOGJkTnJVSU9BQVpMUjV1UVB0M0k2LWxpRGwxTnh4ZnFjeVg1RXpEOVRvb2ZMNlJ6LXlCU2w?oc=5) · Wausau Pilot &amp; Review
- 2022-10-31 [Man sentenced to 3 years prison for Wausau bank robbery - WSAW](https://news.google.com/rss/articles/CBMilgFBVV95cUxOZDNLMkV2d0hiR1ByY2hXdnRyR0QycHBaVTZBWnBMMHlBdWticFJISmRUd1VYWl9JNi1sWmxncjJaN19KeHRlYk04YWZUcWQzSEY4S2ozYTBUQjM5NHRhak5EM3pzRnNSc2MwUHg5RVdDUkQ2Z1E2ODdqYUxKZUpZdDBmc3pNVTh5cEs2a2xudDBlVWFCUVHSAaoBQVVfeXFMTWFRWlZUTnZ2eGplWnVtSFFUVHBMb056NU5jV1l2NGxBRGluUFQzQXkzVTBUaEJJZkZMaDZlRmc5TC1rUWszUFpNSlhzNThLUnFiRzd0RUNhMGVBT3Z6ejF1emRVeEdpZWgwdjB0ZWtHSXpVcDk4VUYtaHJOSUt6RTVsc3ExZFd2aHF6ZlBEYjA3WkhOcWY3QTdfcXJvQ1dZeExCSlpCX2xnd3c?oc=5) · WSAW
- 2019-04-10 [WoodTrust Bank to build new Wisconsin Rapids branch on Eighth Street South - Daily Tribune Media](https://news.google.com/rss/articles/CBMivwFBVV95cUxPeE1TbXBMYl80QlVVTlNXdHo0dkg0akJiRWN6OEpBLV9WX1BfLVpPa253eng1OVBUR0k0dmdPeVV4aXV1OElSLXM0cEtkWWJqeWdLZURGZHh3bVpCMFV2UHVfbnNlYmlEQ1dpRnlQdUZsNmQ3QUV6WHBaMG9MWGtjQXVrTWh5SkZFWnZxcVFmQ19ROFhPZ2hUX19HOE5RZE8xTU5tYi1sb3JoRjFWd05NcjhYSXh4S3RhRERaUGp1NA?oc=5) · Daily Tribune Media
- 2022-09-06 [Wausau man pleads no contest to robbery of WoodTrust Bank - Wausau Daily Herald](https://news.google.com/rss/articles/CBMiygFBVV95cUxNWDN5S0dmLXIwWU1iaHUySGxUNXFvbml6N2lpWm9XUE9LTXpQOUljNDJxVzN2X2VaY1ZMTHFpcWNfT2wyckJqQnJtT3RDMHBIUjhwSWdUdXVIZnlnZ29HUzFyb010OHZwd3F2MXZObUkzVTJYNndURUlNeGdoMExQbllUOHNuWDVOYUJmQzNjTm5CV1l4ZC1oTEJ3YzRZaHd3UGhaWFpvNlNBbEFvQmlpY2EySUlXWElOYXNCVUkwaENVLXNWYTNyckVR?oc=5) · Wausau Daily Herald
- 2018-01-22 [Portage County Business Council to honor banker, attorney, Aspirus, Community First Bank - Stevens Point Journal](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNN3dYa0tjQnBINmY4MzY2TkUwZm5hcUwtc1ZTQXREQ3M1dVhwUURzVUdPRWlKblIzcFphMzBQNFpZOVlYbVpyZk1QMUdBNGg5UWNqWjM0S2VyLXkycEtITWtGWEphYVZIMUkzTk9kbmZrRzlfREdkbXdNV25GbjRhRF9TaDdHWW5RaUJLUmZ5RUZjeHBicmlRMGdSam9tNVY4dmgwb213UTlUa1g3RFN6amhHcFRKNUFFTmp0bmxvZ0E5Y1I2ZVY1a1gxSzhNaXpEX19vV0ZObWpmVnNOT1JaWU5oLTNTaXZyenJya0pHQQ?oc=5) · Stevens Point Journal
- 2022-05-20 [Person of interest in Wausau bank robbery turns himself in; police still looking to identify suspect in surveillance video - WSAW](https://news.google.com/rss/articles/CBMifkFVX3lxTE9kNHBDVWpZOFBoZmdyemxpR2dITEVoV0ZKWUpCY3VnR21HU2NXR1hLV2RFeXZ3cl84dVhwc2FFOVVsdTlUcnpGZnpxcVNjUUtvMDZ0Z2twYkh2NzdueWk4eldFQ2pSZTVWN1dRMEMzREYteTVsQU1BWHF1TVlCQdIBkgFBVV95cUxQVGdKdG90cnRfcFNLMXlkLU1pQmVTNndQQXp3OEF1QXlRWHo0QjdVYWNsdGZTdmFIX1F5N2l1RVc1X2xoNC1kTmRpdmJTVkNqQWFZdEk4XzJHR3BqV3FyYUptQlRtYkpOb2hPV3lCRjZ1MHVPZmhqdDZCNW05dWpOdFAwQjBIYUZBMUw1UWs1THpaQQ?oc=5) · WSAW
- 2014-08-06 [Vintage Venues: Woodtrust at present site since 1910 - Daily Tribune Media](https://news.google.com/rss/articles/CBMivAFBVV95cUxPcUtqc2hnQ29sbEFNeVJGQjQyY0xHdG4wdWNsMFBSRU9CTXhsNHRlUDJZc3pOWndHZ0dDdnZvNVBGMl9hQ1BmYmhxUUlad1hVOG5vWExLdEJpLVFlc1lyY0duN3FSeTVIYllKS2V2OGhyemJaVmNrVUdDNEwxU2c4ZVV2WE00ZE9ETk42S01jZE1La1dzQTg2b3hoUHlzelE2ZkNuYWdWazB3THNpR19sdG5vZS1tNE5PNVZNcQ?oc=5) · Daily Tribune Media

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5335 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/23.json (key "5335", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide