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Oakwood Bank

$100M-$1B Specialty: Agricultural WI FDIC cert 13030

Pigeon Falls, WI

4 branches across WI · MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
  • Deposits +10.3% year over year ($123.9M on the books).
  • Delinquency rate 0.85%.
  • Return on assets 1.53%.
  • Efficiency ratio 59.10% vs a 64.48% peer average.
  • Loan-to-deposit ratio 102.28% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI
View $100M-$1B leaderboard (WI) →

Oakwood Bank has 3 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

  • + ROA 0.21% above tier average
  • + Efficiency Ratio 5.38% below tier average
  • + Delinquency Rate 0.07% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 44.6% in tier
  • - Credit Risk Growth: Bottom 48.5% in tier
  • - Non-Interest-Bearing Deposit Share 16.43% below tier average
Get updates when Oakwood Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $156.4M
+8.9% YoY +3.3% QoQ
-$230.2M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
16%
Total Loans ? $126.7M
+2.3% YoY -1.6% QoQ
-$131.7M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
27%
Total Deposits ? $123.9M
+10.3% YoY +3.7% QoQ
-$202.9M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
Bottom 13.3% in tier
Return on Assets ? 1.53%
+40.5% YoY +9.1% QoQ
+0.21% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
67%
Net Interest Margin ? 3.99%
+2.7% YoY +1.6% QoQ
+0.00% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
53%
Efficiency Ratio ? 59.10%
-5.9% YoY -2.4% QoQ
-5.38% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
60%
Delinquency Rate ? 0.85%
+1.4% QoQ
-0.07% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
33%
Loan-to-Deposit Ratio ? 102.28%
-7.2% YoY -5.1% QoQ
+24.33% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 7.6% in tier
Non-Interest-Bearing Deposit Share ? 5.60%
-10.9% YoY +2.1% QoQ
-16.43% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
Bottom 4.3% in tier
Nonperforming Asset Ratio ? 0.68%
-3.4% QoQ
+0.02% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
31%
Tier 1 Capital Ratio ? 10.29%
+5.9% YoY +3.8% QoQ
-5.62% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
Bottom 14.2% in tier
Non-Interest Income / Assets ? 0.09%
+131.2% YoY +11.0% QoQ
-0.48% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
15%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Noninterest-Bearing 5.6%
-0.7pp YoY
+0.1pp QoQ
 -16.5pp 22.1% 18.9% 22.2% 4%
Brokered Deposits 6.6%
-0.7pp YoY
-0.9pp QoQ
 -1.3pp 7.9% 9.2% 8.5% 61%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 14.4%
-1.2pp YoY
-1.2pp QoQ
 +2.9pp 11.6% 10.5% 12.5% 74%
CRE 19.5%
+1.2pp YoY
+0.5pp QoQ
 -20.0pp 39.5% 46.4% 41.4% 17%
1-4 Family 15.1%
+0.3pp YoY
+0.3pp QoQ
 -17.5pp 32.6% 32.3% 31.3% 20%
Consumer 0.4%
-0.2pp YoY
-0.1pp QoQ
 -3.7pp 4.1% 2.6% 5.0% 13%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 10.3%
+0.6pp YoY
+0.4pp QoQ
 -8.5pp 18.8% 15.5% 19.7% 4%
Leverage Ratio 8.5%
0.0pp YoY
+0.1pp QoQ
 -3.7pp 12.2% 12.6% 12.6% 6%
Total Capital Ratio 11.3%
+0.6pp YoY
+0.3pp QoQ
 -8.6pp 19.9% 16.6% 20.8% 3%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 20
-1 (-4.8%) YoY
-1 (-4.8%) QoQ
 -39 58 134 482 11%
Assets per Employee ($) $7.8M
+14.4% YoY
+8.5% QoQ
 +$299K $7.5M $8.2M $8.8M 65%
Branch Count 4
0 YoY
0 QoQ
 -1 4 9 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 48%
Nonaccrual 0.8%
+0.7pp YoY
0.0pp QoQ
 -0.2pp 0.9% 0.9% 1.0% 65%
Allowance Coverage 1.21x
-92.3% YoY
-3.4% QoQ
 -22.95x 24.15x 56.89x 20.23x 32%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.0% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 14.1%
+4.3pp YoY
+1.2pp QoQ
 +1.9pp 12.2% 11.8% 11.6% 62%
Cost of Funds (YTD) 2.6%
-0.2pp YoY
0.0pp QoQ
 +0.9pp 1.7% 1.8% 1.7% 93%
Net Income ($, YTD) $1.2M
+52.6% YoY
— QoQ
 -$1.4M $2.6M $7.9M $40.4M 32%

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)

Liquidity Strain

risk
#309 of 691 • Bottom 44.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 102.28%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#455 of 936 • Bottom 48.5% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2531
Non-Interest-Bearing Deposit Share
funding
Value: 5.60%
Peer Median: 22.03%
#2531 of 2643 Bottom 4.3% in $100M-$1B
2443
Loan-to-Deposit Ratio
liquidity
Value: 102.28%
Peer Median: 77.95%
#2443 of 2643 Bottom 7.6% in $100M-$1B
2293
Total Deposits
size
Value: $123.87M
Peer Median: $326.73M
#2293 of 2643 Bottom 13.3% in $100M-$1B
2268
Tier 1 Capital Ratio
capital
Value: 10.29%
Peer Median: 15.91%
#2268 of 2643 Bottom 14.2% in $100M-$1B
2235
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2235 of 2643 Bottom 15.5% in $100M-$1B
2222
Total Assets
size
Value: $156.35M
Peer Median: $386.57M
#2222 of 2643 Bottom 16.0% in $100M-$1B
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