Woodtrust Bank
Wisconsin Rapids, Wisconsin · FDIC Cert #5335
Woodtrust Bank is an FDIC-insured bank (Certificate #5335) with $611M in total assets and $533M in total deposits as of the Q2 2024 Call Report. Headquartered in Wisconsin Rapids, Wisconsin, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.07%. BankHealthData assigns a composite Health Grade of B (65/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Woodtrust Bank (FDIC cert 5335) is a community bank — $611M in total assets, $533M in deposits, serving the Wisconsin Rapids, Wisconsin area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is clean: non-performing loan ratio of 0.07% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 40.0% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 3.80% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Woodtrust Bank carries a composite BankHealth grade of B (65/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Woodtrust Bank
- Total Assets
- $611M
- Total Deposits
- $533M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.07%
- Liquidity Ratio
- 39.96%
- Return on Assets
- 3.80%
- Headquarters
- Wisconsin Rapids, Wisconsin
- FDIC Certificate
- #5335
- Health Grade
- B (65/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Woodtrust Bank holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Woodtrust Bank to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Woodtrust Bank shows strong financial health indicators. With $611M in assets and a Health Score of 65/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Woodtrust Bank Compares
Woodtrust Bank’s Health Score of 65 is 2 points below the Wisconsin state average of 67 across 141 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.07% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 3.80% is in line with or above the national ROA benchmark of ~1.1%. Among 1360 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, Woodtrust Bank is 5 points below the portfolio average of 70.
Frequently Asked Questions
Woodtrust Bank has a Bank Health Score of B (65/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Woodtrust Bank's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.07% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Woodtrust Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #5335). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Woodtrust Bank holds $611M in total assets and $533M in total deposits. It is headquartered in Wisconsin Rapids, Wisconsin (FDIC Certificate #5335).
Woodtrust Bank has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.07%, and the return on assets is 3.80%.
Yes. Woodtrust Bank is FDIC-insured (Certificate #5335). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Woodtrust Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.