Oak Bank
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
$486.3MAssets
$381.0MLoans
$419.6MDeposits
$52.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 37 of 110).
- Widest gap: net interest margin trails 53% of banks under $1B in assets in WI (rank 60 of 113).
- Overall: at or above the peer median on 8 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $8.6M · efficiency ratio beats 69% 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 | 1.25% | 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 |