MADISON, Wis. – Numbers released today by the Federal Deposit Insurance Corporation (FDIC) showed consistent performance midway through 2025 by Wisconsin banks. Residential real estate lending (1.64%), farm lending (5.26%), and commercial lending (7.89%) all increased over the prior year. Deposits increased year over year (5.88%). The Q2 2025 net interest margin increased (3.40%) from the prior quarter (3.33%) and prior year (3.14%). Wisconsin banks remain well capitalized.
Notable indicators include:
- Farm lending increased quarter over quarter (16.42%) which extended the pace year over year (5.26%) as banks continue to help farmers with their needs.
- Commercial lending continued in growth quarter over quarter (3.39%) with year over year (7.89%) increase as commercial customers navigate impacts of changing global economics.
- Residential real estate loan volume remained consistent year over year (1.64%) yet grew quarter over quarter (15.34%) with increased volumes in all areas of 1-4 family residential real estate lending.
- Assets in nonaccrual status remained nearly the same quarter over quarter (0.10%) while elevated year over year (12.59%) as borrowers adjusted to higher costs of living.
Statement on the release of second-quarter 2025 Federal Deposit Insurance Corporation (FDIC) numbers from Rose Oswald Poels, president and CEO of the Wisconsin Bankers Association:
“The second-quarter FDIC numbers reflect consistent performance by Wisconsin Banks at the mid-point of 2025 with all areas of lending increasing year over year. The increase in farm and commercial lending continued strong through the second quarter. The data also reflects that Wisconsin’s banks continued to meet consumers’ residential real estate needs. Banks continue to work with struggling borrowers as Wisconsin banks remain in strong position to help meet the needs of their customers and communities.”
FDIC-Reported Wisconsin Numbers (Dollar Figures in Thousands)
06/31/2025 | 03/31/2025 | QoQ Change | 06/30/2024 | YoY Change | |
| Net loans and leases | $118,240,433 | $115,784,161 | 2.12% | $112,720,434 | 4.90% |
| Total deposits | $129,185,781 | $129,733,193 | -0.42% | $122,006,654 | 5.88% |
| Commercial and industrial loans | $19,589,002 | $18,947,428 | 3.39% | $18,156,064 | 7.89% |
| Residential real estate loans | $37,831,105 | $32,798,394 | 15.34% | $37,219,630 | 1.64% |
| Farm loans | $5,198,432 | $4,465,311 | 16.42% | $4,938,435 | 5.26% |
| Total assets | $163,046,532 | $160,833,420 | 1.38% | $154,792,729 | 5.33% |
| Assets in nonaccrual status | $631,375 | $630,718 | 0.10% | $560,757 | 12.59% |
