BlastPoint's Banking Scorecard
Oakwood Bank
Pigeon Falls, WI
4 branches across WI · MN
Oakwood Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.13% above tier average
- + Efficiency Ratio 4.74% below tier average
- + Delinquency Rate 0.05% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 49.1% in tier
- - Loan-to-Deposit Ratio 31.11% above tier average
- - Non-Interest-Bearing Deposit Share 16.53% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$151.4M
+7.0% YoY
+2.2% QoQ
|
-$234.7M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 14.7% in tier |
| Total Loans ? |
$128.7M
+8.1% YoY
+2.6% QoQ
|
-$127.0M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$119.5M
+8.2% YoY
+2.6% QoQ
|
-$208.5M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 11.7% in tier |
| Return on Assets ? |
1.40%
+34.1% YoY
+30.5% QoQ
|
+0.13% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
62% |
| Net Interest Margin ? |
3.93%
+2.7% YoY
-1.3% QoQ
|
+0.00% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
53% |
| Efficiency Ratio ? |
60.55%
-4.0% YoY
-5.2% QoQ
|
-4.74% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
58% |
| Delinquency Rate ? |
0.83%
-4.7% QoQ
|
-0.05% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
107.74%
-0.1% YoY
-0.0% QoQ
|
+31.11% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 3.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.49%
-3.8% YoY
-6.3% QoQ
|
-16.53% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 4.0% in tier |
| Nonperforming Asset Ratio ? |
0.71%
-4.3% QoQ
|
+0.07% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
9.91%
+0.1% YoY
+1.1% QoQ
|
-5.92% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 8.8% in tier |
| Non-Interest Income / Assets ? |
0.08%
+283.2% YoY
+16.8% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
40% |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.