Fitchburg, WI · Cert 35333 · Oak Financial Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in WI (n=110 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
65
Asset Quality
87
Profitability
53
Liquidity
79
Efficiency
69
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fitchburg, WI · Cert 35333 · Oak Financial Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Madison, WI · 2026 SOD (annual) · 1.4% share · #21 of 41 inst. · $0.4B of $30.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.98% | 1.07% | 1.14% | 1.17% | 1.11% | 1.26% | 1.28% | +15 bps | |
| Return on Equity | 10.83% | 10.21% | 10.79% | 11.26% | 11.60% | 10.80% | 11.61% | 11.80% | +54 bps | |
| Net Interest Margin | 2.74% | 2.80% | 3.16% | 3.23% | 3.25% | 3.25% | 3.54% | 3.56% | +33 bps | |
| Efficiency Ratio | 59.14% | 61.86% | 60.24% | 58.90% | 58.02% | 61.00% | 57.24% | 56.73% | -217 bps | |
| Non-Interest Burden | 1.41% | 1.55% | 1.78% | 1.75% | 1.74% | 1.86% | 1.88% | 1.86% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.74% | 0.22% | -1.81% | -0.45% | -0.51% | 0.01% | -0.42% | 2.85% | +330 bps | |
| Loan Growth (YoY) | 5.34% | 2.29% | -2.75% | -1.15% | -4.08% | -4.39% | -3.77% | -0.55% | +59 bps | |
| Deposit Growth (YoY) | 8.01% | 1.71% | 0.06% | 0.93% | -0.11% | -0.31% | -1.53% | 2.25% | +132 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.40% | 0.41% | 0.40% | 0.42% | 0.18% | 0.00% | 0.04% | -36 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.49% | 1.52% | 1.58% | 1.56% | 1.62% | 1.66% | 1.71% | 1.65% | +9 bps | |
| Allowance Coverage of NPLs | n/a | 3.8x | 3.9x | 3.9x | 3.9x | 9.3x | n/a | 40.5x | +36.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.03% | 10.83% | 11.23% | 11.64% | 11.34% | 11.33% | 12.00% | 12.28% | +64 bps | |
| Total Risk-Based Capital | 15.40% | 15.52% | 15.88% | 16.00% | 16.18% | 16.63% | 17.10% | 16.58% | +57 bps | |
| Equity / Assets | 9.96% | 9.82% | 10.10% | 10.32% | 10.19% | 10.77% | 10.97% | 10.83% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.91% | 94.69% | 93.34% | 93.38% | 89.21% | 90.82% | 91.22% | 90.82% | -256 bps | |
| Liquid Assets / Assets | 3.96% | 2.95% | 2.46% | 2.94% | 6.71% | 5.68% | 5.41% | 6.35% | +341 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 411% | 398% | 386% | n/a | n/a | |
Fitchburg, WI · Cert 35333 · Peer group: banks under $1B in assets in WI (n=110-113) · Oak Financial Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.25%
Rank 48 of 113
Net Interest Margin
3.56%
Rank 60 of 113
Efficiency Ratio
56.73%
Rank 36 of 113
Equity / Assets
10.83%
Rank 53 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.25% | 0.85% | 1.17% | 1.51% | Beats 58% | 48 / 113 | ||
| Return on Equity | 11.51% | 7.70% | 10.77% | 13.67% | Beats 55% | 51 / 113 | ||
| Net Interest Margin | 3.56% | 3.19% | 3.59% | 3.89% | Beats 47% | 60 / 113 | ||
| Efficiency Ratio | 56.73% | 54.61% | 62.43% | 71.88% | Beats 69% | 36 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.04% | 0.03% | 0.24% | 0.91% | Beats 73% | 31 / 110 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 37 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.32% | 11.22% | 12.95% | 15.76% | Beats 70% | 34 / 113 | ||
| Total Risk-Based Capital Ratio | 16.58% | 11.57% | 13.59% | 16.73% | Beats 73% | 31 / 113 | ||
| Equity / Assets | 10.83% | 9.17% | 10.74% | 13.13% | Beats 53% | 53 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.82% | 76.54% | 86.37% | 98.93% | 62nd pctl | 43 / 112 | ||
| Loans / Assets | 78.35% | 63.07% | 71.33% | 78.84% | 73rd pctl | 31 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||