MADISON, Wis. – Wisconsin’s state-chartered banks reported sound financial performance through year-end 2025, according to data released today by the Wisconsin Department of Financial Institutions (DFI). As of December 31, 2025, there were 116 state-chartered commercial banks serving Wisconsin residents.
At year-end 2025, total assets for Wisconsin’s state-chartered banks stood at $74.4 billion, up from $70.2 billion reported on December 31, 2024. The net interest margin improved to 3.58% compared to 3.24% in December 2024. Net loans increased by 5.86% to $53.7 billion, up by $3 billion over the same time.
In the 12 months ending on December 31, 2025:
- The capital ratio strengthened to 10.57%, an increase from 10.00% in December 2024;
- The past due ratio rose to 1.02% from 0.92% in December 2024;
- Net operating income improved to $848.1 million compared to $674.3 million in December 2024;
- The return on average assets ratio expanded to 1.17% from 0.98% in December 2024; and
- Bank liquidity remained stable, with the loans to assets ratio at 72.19% in December 2025 compared to 72.21% in December 2024.
“Wisconsin’s state-chartered banks finished the year with positive performance,” said DFI Division of Banking Administrator Kim Swissdorf. “Continued strengthening of earnings and capital positions support stability across the state. Despite a modest increase in certain delinquency metrics, asset quality overall remains steady, and our banking institutions continue to demonstrate resiliency against uncertain economic conditions. Wisconsin’s state-chartered banks are positioned favorably to continue supporting the needs of our communities.”
To learn more, read the DFI’s Bank Performance Indicator Report as of December 31, 2025.
