BlastPoint's Banking Scorecard

One Community Bank

$1B-$10B Specialty: Commercial WI FDIC cert 22334

Designations: ✓ Community bank

Oregon, WI

20 branches across WI

884 banks in the $1B-$10B peer group nationally 28 in WI

One Community 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 9.32% below tier average
+ Delinquency Rate 0.41% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 23.73% above tier average
- ROA 0.10% below tier average
- Net Interest Margin 0.33% below tier average

Get updates when One Community 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 ?	$2.5B +16.3% YoY -0.2% QoQ	-$270.4M	$2.8B -0.1% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	62%
Total Loans ?	$2.2B +17.8% YoY +0.7% QoQ	+$190.7M	$2.0B +0.6% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	71%
Total Deposits ?	$2.0B +17.2% YoY -1.0% QoQ	-$346.2M	$2.3B -0.3% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	60%
Return on Assets ?	1.26% +50.4% YoY +9.7% QoQ	-0.10%	1.37% +19.6% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	54%
Net Interest Margin ?	3.49% +20.5% YoY +7.3% QoQ	-0.33%	3.82% +6.9% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	40%
Efficiency Ratio ?	51.74% -11.7% YoY -1.7% QoQ	-9.32%	61.06% -4.6% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	73%
Delinquency Rate ?	0.48% +17.1% YoY +45.3% QoQ	-0.41%	0.89% +14.1% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	55%
Loan-to-Deposit Ratio ?	107.93% +0.6% YoY +1.7% QoQ	+23.73%	84.20% +0.3% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	Bottom 5.5% in tier
Non-Interest-Bearing Deposit Share ?	17.07% -4.2% YoY -6.4% QoQ	-4.21%	21.29% -2.5% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	36%
Nonperforming Asset Ratio ?	0.42% +20.3% YoY +43.4% QoQ	-0.26%	0.67% +15.6% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	51%
Tier 1 Capital Ratio ?	12.66% +13.1% YoY +0.8% QoQ	-2.50%	15.16% +2.0% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.08% +5.6% YoY -75.0% QoQ	-0.18%	0.26% +1.6% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	21%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

836

Loan-to-Deposit Ratio

liquidity

Value: 107.93%

Peer Median: 84.20%

#836 of 884 Bottom 5.5% in $1B-$10B

695

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.26%

#695 of 884 Bottom 21.5% in $1B-$10B