Oostburg State Bank
Oostburg, WI · Cert 10380 · Peer group: banks under $1B in assets in WI (n=110-113) · Oostburg Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$440.2MAssets
$320.9MLoans
$388.4MDeposits
$47.7MEquity
Executive Summary
- Strongest standing: return on assets outperforms 66% of banks under $1B in assets in WI (rank 38 of 113).
- Widest gap: net charge-offs / loans trails 92% of banks under $1B in assets in WI (rank 102 of 110).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.37%
Rank 38 of 113
Net Interest Margin
3.83%
Rank 39 of 113
Efficiency Ratio
59.80%
Rank 48 of 113
Equity / Assets
10.83%
Rank 54 of 113
Non-interest income vs. expense
Unfavorable gap of $9.2M · efficiency ratio beats 58% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.85% | 1.17% | 1.51% | Beats 66% | 38 / 113 | | |
| Return on Equity | 12.63% | 7.70% | 10.77% | 13.67% | Beats 66% | 38 / 113 | | |
| Net Interest Margin | 3.83% | 3.19% | 3.59% | 3.89% | Beats 65% | 39 / 113 | | |
| Efficiency Ratio | 59.80% | 54.61% | 62.43% | 71.88% | Beats 58% | 48 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.03% | 0.24% | 0.91% | Beats 58% | 47 / 110 | | |
| Net Charge-Offs / Loans | 0.06% | n/a | 0.00% | 0.01% | Beats 8% | 102 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 13.17% | 11.22% | 12.95% | 15.76% | Beats 54% | 52 / 113 | | |
| Total Risk-Based Capital Ratio | 14.38% | 11.57% | 13.59% | 16.73% | Beats 58% | 48 / 113 | | |
| Equity / Assets | 10.83% | 9.17% | 10.74% | 13.13% | Beats 52% | 54 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.63% | 76.54% | 86.37% | 98.93% | 40th pctl | 67 / 112 | | |
| Loans / Assets | 72.90% | 63.07% | 71.33% | 78.84% | 53rd pctl | 53 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |