🏦Bank Scorer

WOODFORD STATE BANK

MONROE, WI · Supervised by FDIC

Est. 1915FDIC #10,011RSSD: FDIC-10011
Part ofWOODFORD BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.55%

Institution Profile

FDIC BankFind

Address

403 W 8th St, MONROE, WI

County

Green County

Established

January 1, 1915

Total Assets

$510M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2026

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$510M

Total Deposits

$394M

Net Loans

$377M

Net Income

$2M

ROA

1.55%

ROE

23.94%

Risk-Based Capital

11.32%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.81%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$377M

1-Year Change

0

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202417290.12%5.81%
202313992.81%2.16%
202221391.08%3.29%
202135185.75%6.55%
202052486.83%6.30%
201921681.02%12.50%
201817978.77%10.61%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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