BlastPoint's Banking Scorecard
One Community Bank
Designations: ✓ Community bank
Oregon, WI
20 branches across WI
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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
- Deposits +18.6% year over year ($2.1B on the books).
- Delinquency rate 0.58%.
- Return on assets 1.33%.
- Efficiency ratio 50.43% vs a 59.73% peer average.
- Loan-to-deposit ratio 106.69% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
One Community Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 9.30% below tier average
- + Delinquency Rate 0.28% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 21.66% above tier average
- - ROA 0.06% below tier average
- - Net Interest Margin 0.30% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+17.7% YoY
+3.2% QoQ
|
-$165.3M |
$2.8B
-0.6% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
64% |
| Total Loans ? |
$2.2B
+18.2% YoY
+2.2% QoQ
|
+$240.7M |
$2.0B
-0.3% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
71% |
| Total Deposits ? |
$2.1B
+18.6% YoY
+3.4% QoQ
|
-$253.2M |
$2.3B
-0.5% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
61% |
| Return on Assets ? |
1.33%
+46.7% YoY
+5.1% QoQ
|
-0.06% |
1.39%
+17.0% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
57% |
| Net Interest Margin ? |
3.57%
+19.8% YoY
+2.3% QoQ
|
-0.30% |
3.87%
+6.2% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
41% |
| Efficiency Ratio ? |
50.43%
-11.5% YoY
-2.5% QoQ
|
-9.30% |
59.73%
-12.6% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
76% |
| Delinquency Rate ? |
0.58%
+35.6% YoY
+22.0% QoQ
|
-0.28% |
0.87%
+11.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
106.69%
-0.3% YoY
-1.1% QoQ
|
+21.66% |
85.04%
-0.1% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Bottom 6.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.78%
+5.6% YoY
+4.1% QoQ
|
-3.49% |
21.27%
-1.5% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.50%
+40.8% YoY
+21.4% QoQ
|
-0.17% |
0.67%
+11.7% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
12.78%
+13.9% YoY
+1.0% QoQ
|
-2.06% |
14.84%
-0.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.16%
+9.6% YoY
+102.8% QoQ
|
-0.37% |
0.53%
+2.5% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
21% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
17.8%
+0.9pp YoY +0.7pp QoQ |
-3.6pp | 21.4% | 18.9% | 22.2% | 38% |
| Brokered Deposits |
11.0%
-2.2pp YoY +0.3pp QoQ |
+1.5pp | 9.5% | 9.2% | 8.5% | 71% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.2%
-1.1pp YoY -0.5pp QoQ |
-8.8pp | 14.0% | 10.5% | 12.5% | 19% |
| CRE |
75.4%
+0.5pp YoY +0.8pp QoQ |
+25.4pp | 50.0% | 46.4% | 41.4% | 93% |
| 1-4 Family |
17.1%
+0.8pp YoY -0.3pp QoQ |
-9.3pp | 26.4% | 32.3% | 31.3% | 36% |
| Consumer |
0.3%
0.0pp YoY 0.0pp QoQ |
-4.4pp | 4.7% | 2.6% | 5.0% | 24% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 15.5% | 19.7% | n/a |
| Leverage Ratio |
12.8%
+1.6pp YoY +0.1pp QoQ |
+1.5pp | 11.3% | 12.6% | 12.6% | 83% |
| Total Capital Ratio | n/a | n/a | 16.7% | 16.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
281
+47 (+20.1%) YoY +22 (+8.5%) QoQ |
-33 | 313 | 134 | 482 | 62% |
| Assets per Employee ($) |
$9.4M
-2.0% YoY -4.8% QoQ |
-$1.1M | $10.5M | $8.2M | $8.8M | 58% |
| Branch Count |
20
+3 (+17.6%) YoY 0 QoQ |
-0 | 20 | 9 | 18 | 65% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.6%
+0.2pp YoY +0.1pp QoQ |
-0.2pp | 0.8% | 0.9% | 1.0% | 55% |
| Allowance Coverage |
1.82x
-24.1% YoY -18.1% QoQ |
-16.89x | 18.71x | 56.89x | 20.23x | 45% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.0% | 0.2% | 24% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.6%
+2.3pp YoY +0.5pp QoQ |
-2.0pp | 12.6% | 11.8% | 11.6% | 38% |
| Cost of Funds (YTD) |
2.3%
-0.3pp YoY 0.0pp QoQ |
+0.3pp | 1.9% | 1.8% | 1.7% | 76% |
| Net Income ($, YTD) |
$17.1M
+71.9% YoY — QoQ |
-$2.1M | $19.2M | $7.9M | $40.4M | 64% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.