Wisconsin’s State-Chartered Banks Report Sound Year-End 2025 Financial Performance

​For Immediate Release: March 2, 2026

Wisconsin’s State-Chartered Banks Report Sound Year-End 2025 Financial Performance

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.

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Media Contact Email: DFICommunications@dfi.wisconsin.gov​​