Bristol Morgan Bank
Oakfield, WI · Cert 9523 · Peer group: banks under $1B in assets in WI (n=110-113) · Oakfield Bcorp Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
$191.2MAssets
$154.7MLoans
$157.1MDeposits
$19.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 77% of banks under $1B in assets in WI (rank 26 of 113).
- Widest gap: efficiency ratio trails 76% of banks under $1B in assets in WI (rank 87 of 113).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.91%
Rank 82 of 113
Net Interest Margin
3.95%
Rank 26 of 113
Efficiency Ratio
72.81%
Rank 87 of 113
Equity / Assets
10.37%
Rank 64 of 113
Non-interest income vs. expense
Unfavorable gap of $5.5M · efficiency ratio beats 24% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.85% | 1.17% | 1.51% | Beats 27% | 82 / 113 | |
| Return on Equity | 8.80% | 7.70% | 10.77% | 13.67% | Beats 29% | 80 / 113 | |
| Net Interest Margin | 3.95% | 3.19% | 3.59% | 3.89% | Beats 77% | 26 / 113 | |
| Efficiency Ratio | 72.81% | 54.61% | 62.43% | 71.88% | Beats 24% | 87 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.03% | 0.24% | 0.91% | Beats 37% | 70 / 110 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.01% | Beats 25% | 84 / 110 | |
| Capital |
| Tier 1 Capital Ratio | 13.78% | 11.22% | 12.95% | 15.76% | Beats 61% | 44 / 113 | |
| Total Risk-Based Capital Ratio | 15.03% | 11.57% | 13.59% | 16.73% | Beats 65% | 39 / 113 | |
| Equity / Assets | 10.37% | 9.17% | 10.74% | 13.13% | Beats 43% | 64 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 98.49% | 76.54% | 86.37% | 98.93% | 74th pctl | 29 / 112 | |
| Loans / Assets | 80.92% | 63.07% | 71.33% | 78.84% | 78th pctl | 25 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |