MADISON, Wis. – Numbers released today by the Federal Deposit Insurance Corporation (FDIC) showed a steady start to 2025 by Wisconsin banks. Residential real estate lending (8.67%), farm lending (8.95%), and commercial lending (5.00%) all increased over the prior year. Deposits increased year over year (5.63%). The Q1 2025 net interest margin increased (3.33%) from the prior quarter (3.22%) and prior year (3.10%). Wisconsin banks remain well capitalized.
Notable indicators include:
- Farm lending increased quarter over quarter (8.78%) which extended the pace year over year (8.95%) as banks continue to help farmers with their operational needs.
- Commercial lending slowed in growth slightly quarter over quarter (2.43%) from the year over year (5.00%) increase as commercial customers adjust to impacts of global economic challenges.
- Residential real estate loans increased year over year (8.67%) yet decreased quarter over quarter (-16.05%) as inventory remains limited and the marketplace competitive from non-traditional lenders.
- Assets in nonaccrual status increased both quarter over quarter (8.74%) and year over year (2.20%) as ongoing inflation and the high cost of living impact borrowers.
Statement on the release of first-quarter 2025 Federal Deposit Insurance Corporation (FDIC) numbers from Rose Oswald Poels, president and CEO of the Wisconsin Bankers Association:
“The first-quarter FDIC numbers reflect that 2025 has started off steady for Wisconsin Banks with all areas of lending increasing year over year. The increase in farm and commercial lending continued through the first quarter. The data also reflects that Wisconsin’s residential real estate market continues to be competitive. Across all categories of lending, banks continue to monitor credit quality and work with struggling borrowers as Wisconsin banks remain well positioned to continue to help meet the needs of their customers and communities.”
FDIC-Reported Wisconsin Numbers (Dollar Figures in Thousands)
| 03/31/2025 | 12/31/2024 | QoQ Change | 03/31/2024 | YoY Change | |
| Net loans and leases | $115,784,161 | $114,571,863 | 1.06% | $110,786,153 | 4.51% |
| Total deposits | $129,733,193 | $128,607,041 | 0.88% | $122,823,065 | 5.63% |
| Commercial and industrial loans | $18,947,428 | $18,497,687 | 2.43% | $18,044,391 | 5.00% |
| Residential real estate loans | $32,798,394 | $39,070,601 | -16.05% | $30,180,575 | 8.67% |
| Farm loans | $4,465,311 | $4,104,912 | 8.78% | $4,098,653 | 8.95% |
| Total assets | $160,833,420 | $159,392,728 | 0.90% | $153,075,799 | 5.07% |
| Assets in nonaccrual status | $630,718 | $580,044 | 8.74% | $617,124 | 2.20% |
