One Community Bank
Oregon, WI · Cert 22334 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Bosshard Financial Group Inc.
State charter, Fed member · FED · 1 affiliate bank · 19 branches (24 in holding)
Q2 2026
$2.6BAssets
$2.2BLoans
$2.1BDeposits
$332.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 84% of banks $1B-$10B in assets operating in a single state (rank 43 of 258).
- Widest gap: total risk-based capital ratio trails 66% of banks $1B-$10B in assets operating in a single state (rank 170 of 258).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.30%
Rank 112 of 258
Net Interest Margin
3.35%
Rank 154 of 258
Efficiency Ratio
52.88%
Rank 75 of 257
Equity / Assets
12.65%
Rank 42 of 258
Non-interest income vs. expense
Unfavorable gap of $42.5M · efficiency ratio beats 71% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.30% | 0.93% | 1.23% | 1.54% | Beats 57% | 112 / 258 | | |
| Return on Equity | 10.30% | 9.26% | 11.84% | 14.74% | Beats 36% | 166 / 258 | | |
| Net Interest Margin | 3.35% | 3.16% | 3.49% | 3.88% | Beats 40% | 154 / 258 | | |
| Efficiency Ratio | 52.88% | 51.71% | 60.30% | 69.65% | Beats 71% | 75 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.19% | 0.46% | 0.90% | Beats 36% | 165 / 258 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 84% | 43 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 12.78% | 11.41% | 12.98% | 15.12% | Beats 47% | 138 / 258 | | |
| Total Risk-Based Capital Ratio | 12.78% | 12.10% | 13.91% | 16.08% | Beats 34% | 170 / 258 | | |
| Equity / Assets | 12.65% | 9.09% | 10.24% | 11.72% | Beats 84% | 42 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 107.82% | 73.24% | 86.34% | 95.95% | 93rd pctl | 17 / 258 | | |
| Loans / Assets | 84.75% | 63.01% | 72.27% | 78.40% | 94th pctl | 16 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |