🏦Bank Scorer

WOODTRUST BANK, NATIONAL ASSOCIATION

WISCONSIN RAPIDS, WI · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1891FDIC #5,335
Satisfactory Same

Current rating · Exam: February 2011

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 3.90%

Institution Profile

FDIC BankFind

Address

181 2nd St S, WISCONSIN RAPIDS, WI

County

Wood County

Established

August 11, 1891

Total Assets

$707M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 9, 2011

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
⚠️This exam is 15 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$707M

Total Deposits

$574M

Net Loans

$386M

Net Income

$7M

ROA

3.90%

ROE

42.09%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate3.45%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$543M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245882.76%3.45%
20235383.02%3.77%
20228385.54%2.41%
202122083.64%3.64%
202036487.91%4.40%
201915686.54%5.13%
201812386.18%7.32%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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