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Oostburg State Bank

$100M-$1B Specialty: Commercial WI FDIC cert 10380

Oostburg, WI

4 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in WI
View $100M-$1B leaderboard (WI) →

Oostburg State Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 2.63% below tier average
  • + Delinquency Rate 0.61% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 12.5% in tier
  • - Credit Risk Growth: Bottom 48.2% in tier
  • - ROA 0.06% below tier average
Get updates when Oostburg State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $429.9M
+10.0% YoY -0.8% QoQ
+$43.8M $386.1M
+0.5% YoY
$1.1B
+10.1% YoY
$6.2B
+9.1% YoY
65%
Total Loans ? $311.5M
+12.8% YoY +4.3% QoQ
+$55.7M $255.7M
+1.1% YoY
$816.7M
+9.9% YoY
$3.2B
+10.8% YoY
69%
Total Deposits ? $380.8M
+10.0% YoY -0.6% QoQ
+$52.8M $328.0M
+0.1% YoY
$905.4M
+9.0% YoY
$4.8B
+8.2% YoY
67%
Return on Assets ? 1.21%
+6.7% YoY +7.7% QoQ
-0.06% 1.27%
+12.9% YoY
1.50%
+15.4% YoY
1.23%
+13.4% YoY
50%
Net Interest Margin ? 3.92%
+13.1% YoY +4.9% QoQ
-0.01% 3.93%
+6.0% YoY
3.77%
+9.2% YoY
3.89%
+5.7% YoY
53%
Efficiency Ratio ? 62.66%
-3.3% YoY -6.4% QoQ
-2.63% 65.29%
-4.5% YoY
64.74%
-4.5% YoY
66.95%
-4.1% YoY
52%
Delinquency Rate ? 0.28%
+1.4% YoY +37.9% QoQ
-0.61% 0.89%
+18.8% YoY
0.87%
+31.3% YoY
0.95%
+18.8% YoY
58%
Loan-to-Deposit Ratio ? 81.80%
+2.5% YoY +4.9% QoQ
+5.16% 76.64%
+0.8% YoY
86.53%
+1.6% YoY
76.70%
+0.9% YoY
42%
Non-Interest-Bearing Deposit Share ? 23.27%
+1.0% YoY -2.9% QoQ
+1.25% 22.02%
-1.0% YoY
18.27%
-0.8% YoY
22.01%
-1.2% YoY
60%
Nonperforming Asset Ratio ? 0.20%
+4.0% YoY +45.0% QoQ
-0.43% 0.64%
+19.7% YoY
0.63%
+35.0% YoY
0.67%
+19.3% YoY
59%
Tier 1 Capital Ratio ? 13.09%
-2.5% YoY +0.8% QoQ
-2.74% 15.83%
+1.5% YoY
14.74%
+0.5% YoY
17.06%
+0.8% YoY
48%
Non-Interest Income / Assets ? 0.10%
+10.3% YoY -75.0% QoQ
-0.18% 0.28%
+9.3% YoY
1.15%
+12.5% YoY
0.32%
+4.1% YoY
49%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk
#164 of 1308 • Bottom 12.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.28%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ

Credit Risk Growth

risk
#470 of 973 • Bottom 48.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (0 metrics)

No weakness rankings available
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