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 | |