MADISON, Wis. – Wisconsin’s state-chartered banks reported sound financial performance through the second quarter of 2025, according to data released today by the Wisconsin Department of Financial Institutions (DFI). As of June 30, 2025, there were 117 state-chartered commercial banks serving Wisconsin residents.
Total assets for Wisconsin’s state-chartered banks stood at $71.5 billion through June 30, 2025, up from $68.0 billion reported on June 30, 2024. The net interest margin improved to 3.47% compared to 3.15% in June 2024. Net loans increased by 4.49% to $52.1 billion, up by $2.2 billion over the same time.
In the 12 months ending on June 30, 2025:
- The capital ratio strengthened to 10.31%, an increase from 9.99% in June 2024;
- The past due ratio rose to 0.99% from 0.83% in June 2024;
- Net operating income improved to $392.5 million compared to $325.0 million in June 2024;
- The return on average assets ratio expanded to 1.11% from 0.96% in June 2024; and
- Bank liquidity remained stable, with a slight decline in the loans to assets ratio to 72.88% compared to 73.35% in June 2024.
“Through the second quarter, the financial position of Wisconsin’s state-chartered banks remains stable,” said DFI Division of Banking Administrator Kim Swissdorf. “Although some credit risk metrics continue to be elevated, ongoing strengthening of capital, earnings, and liquidity positions helps mitigate future uncertainty. Overall, our state-chartered banks continue to provide support and consistency for Wisconsin’s economy.”
To learn more, read the DFI’s Bank Performance Indicator Report as of June 30, 2025.
