Wisconsin’s state-chartered banks reported sound financial performance through year-end 2025.
The Wisconsin Department of Financial Institutions released data showing total assets for Wisconsin’s state-chartered banks stood at $74.4 billion, up from $70.2 billion reported on Dec. 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 Dec. 31, 2025, the capital ratio strengthened to 10.57%, an increase from 10% in December 2024; the past due ratio rose to 1.02% from 0.92% in December 2024; and net operating income improved to $848.1 million compared to $674.3 million in December 2024.
“Wisconsin’s state-chartered banks finished the year with positive performance,” DFI Division of Banking Administrator Kim Swissdorf said in a statement. “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.”
As of Dec. 31, there were 116 state-chartered commercial banks in Wisconsin.
