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Numbers from the Federal Deposit Insurance Corporation show consistent performance midway through 2025 by Wisconsin banks.
Farm lending increased quarter over quarter (16.42%), which extended the pace year over year (5.26%) as banks continue to help farmers with their needs.
Residential real estate lending (1.64%), farm lending (5.26%), and commercial lending (7.89%) all increased over the prior year. Deposits increased year over year (5.88%). The Q2 2025 net interest margin increased (3.40%) from the prior quarter (3.33%) and prior year (3.14%). Wisconsin banks remain well capitalized.
“The second-quarter FDIC numbers reflect consistent performance by Wisconsin Banks at the mid-point of 2025, with all areas of lending increasing year over year. The increase in farm and commercial lending continued strong through the second quarter,” says Wisconsin Bankers Association President and CEO Rose Oswald Poels. “The data also reflects that Wisconsin’s banks continued to meet consumers’ residential real estate needs. Banks continue to work with struggling borrowers as Wisconsin banks remain in strong position to help meet the needs of their customers and communities.”
Other notable indicators include:
- Commercial lending continued to grow quarter over quarter (3.39%) with a year-over-year (7.89%) increase as commercial customers navigate the impacts of changing global economics.
- Residential real estate loan volume remained consistent year over year (1.64%) yet grew quarter over quarter (15.34%) with increased volumes in all areas of 1-4 family residential real estate lending.
- Assets in nonaccrual status remained nearly the same quarter over quarter (0.10%) while elevated year over year (12.59%) as borrowers adjusted to higher costs of living.
