BlastPoint's Banking Scorecard
Oak Bank
Fitchburg, WI
Oak Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
- + Efficiency Ratio 8.04% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 47.1% in tier
- - Net Interest Margin 0.24% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$462.1M
-0.4% YoY
-2.0% QoQ
|
+$76.0M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
68% |
| Total Loans ? |
$356.5M
-3.9% YoY
-1.8% QoQ
|
+$100.7M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
75% |
| Total Deposits ? |
$397.6M
-1.5% YoY
-2.2% QoQ
|
+$69.6M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
69% |
| Return on Assets ? |
1.26%
+17.4% YoY
+14.1% QoQ
|
-0.01% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
53% |
| Net Interest Margin ? |
3.69%
+9.8% YoY
+4.8% QoQ
|
-0.24% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
40% |
| Efficiency Ratio ? |
57.24%
-5.0% YoY
-6.2% QoQ
|
-8.04% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
68% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.89% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
89.66%
-2.4% YoY
+0.4% QoQ
|
+13.02% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
22.41%
+1.9% YoY
+1.3% QoQ
|
+0.39% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
15.84%
+8.3% YoY
+3.0% QoQ
|
+0.01% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.08%
+7.9% YoY
-75.0% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
42% |
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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)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.