Oakfield, WI · Cert 9523 · Oakfield Bcorp Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Fond du Lac, WI · 2026 SOD (annual) · 5.2% share · #9 of 11 inst. · $0.2B of $2.9B
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 | 0.33% | 0.50% | 0.69% | 0.82% | 0.75% | 0.84% | 0.61% | 0.91% | +9 bps | |
| Return on Equity | 3.04% | 4.67% | 6.43% | 7.70% | 7.03% | 7.97% | 6.17% | 9.01% | +130 bps | |
| Net Interest Margin | 3.40% | 3.45% | 3.72% | 3.75% | 3.83% | 3.83% | 3.94% | 3.95% | +20 bps | |
| Efficiency Ratio | 98.84% | 81.18% | 77.68% | 73.10% | 75.33% | 72.97% | 81.20% | 72.66% | -44 bps | |
| Non-Interest Burden | 3.37% | 2.80% | 2.85% | 2.69% | 2.84% | 2.75% | 3.17% | 2.83% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.00% | 3.30% | 7.40% | 11.03% | 5.39% | 10.52% | 15.62% | 8.15% | -288 bps | |
| Loan Growth (YoY) | 5.61% | 12.00% | 7.16% | 9.58% | 7.11% | 9.08% | 14.70% | 6.08% | -351 bps | |
| Deposit Growth (YoY) | 7.07% | 2.85% | 7.63% | 11.63% | 4.77% | 10.11% | 18.44% | 19.43% | +781 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.11% | 0.46% | 0.63% | 0.61% | 0.44% | 0.42% | 0.54% | 0.43% | -18 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.31% | -0.05% | -0.11% | -0.08% | -0.07% | -0.04% | -0.02% | +8 bps | |
| Allowance / Loans | 0.86% | 0.92% | 1.01% | 1.05% | 1.07% | 1.06% | 1.07% | 1.13% | +9 bps | |
| Allowance Coverage of NPLs | 0.3x | 2.0x | 1.6x | 1.7x | 2.4x | 2.5x | 2.0x | 2.7x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.74% | 10.72% | 11.00% | 10.82% | 10.85% | 10.25% | 10.24% | 10.25% | -56 bps | |
| Total Risk-Based Capital | 10.74% | 13.88% | 15.27% | 14.68% | 14.07% | 14.02% | 13.68% | 15.03% | +35 bps | |
| Equity / Assets | 10.42% | 10.43% | 10.99% | 10.59% | 10.69% | 9.89% | 10.01% | 10.37% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.31% | 106.27% | 109.81% | 110.88% | 107.66% | 105.29% | 106.35% | 98.49% | -1,240 bps | |
| Liquid Assets / Assets | 2.23% | 1.24% | 0.94% | 3.10% | 1.01% | 0.43% | 2.25% | 4.32% | +122 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 389% | 435% | 422% | n/a | n/a | |