MADISON, Wis. — Numbers released today by the Federal Deposit Insurance Corporation (FDIC) show Wisconsin banks remain in good health through the third quarter of this year. Year-over-year lending increased in all categories (commercial, residential, and farm loans), demonstrating the responsiveness of banks to meet their communities’ needs. Individuals and businesses continue to trust banks as a safe place to keep money, as evidenced by an increase in deposits, both year over year (5.20%) and quarter over quarter (2.06%).The Q3 net interest margin increased (3.46%) from the prior quarter (3.33%) and the prior year (3.18%). Wisconsin banks remain well capitalized.
Notable indicators include:
- Farm lending increased quarter over quarter (4.81%), which continued the pace year over year (5.30%) as banks remain a steady resource for their farming customers.
- Commercial lending fell minimally quarter over quarter (-1.46%) while holding steady year over year (4.93%) as commercial customers continue to navigate tariff and economic uncertainty.
- Residential real estate loan volume remained strong year over year (15.05%) despite a slight dip quarter over quarter (-6.63%) with increased volumes in nearly all 1–4 family residential real estate lending.
- Assets in nonaccrual status remained nearly the same quarter over quarter (0.28%) and slightly raised year over year (2.34%) as borrowers continue to work with their banks through workouts and other arrangements.
Statement on the release of third-quarter 2025 Federal Deposit Insurance Corporation (FDIC) numbers from Rose Oswald Poels, president and CEO of the Wisconsin Bankers Association:
“The third quarter FDIC numbers continue to highlight the strength of Wisconsin banks, which are well positioned to help their customers and communities heading into 2026. With inflation considerations still top of mind, Wisconsin consumers and business owners can continue to rely on their banks as a source of trusted financial partnership and a safe place to deposit their money.”
FDIC-Reported Wisconsin Numbers (Dollar Figures in Thousands)
| 09/30/2025 | 06/30/2025 | QoQ Change | 09/30/2024 | YoY Change | |
| Net loans and leases | $119,837,598 | $118,240,433 | 1.35% | $114,405,149 | 4.75% |
| Total deposits | $131,850,228 | $129,185,781 | 2.06% | $125,335,066 | 5.20% |
| Commercial and industrial loans | $19,303,789 | $19,589,002 | -1.46% | $18,396,211 | 4.93% |
| Residential real estate loans | $35,323,690 | $37,831,105 | -6.63% | $30,702,592 | 15.05% |
| Farm loans | $5,448,321 | $5,198,432 | 4.81% | $5,173,857 | 5.30% |
| Total assets | $165,795,834 | $163,046,532 | 1.69% | $158,239,189 | 4.78% |
| Assets in nonaccrual status | $633,170 | $631,375 | 0.28% | $618,665 | 2.34% |
