| Metric | Oakwood Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +4.4% | +4.5 pts |
| Deposit growth (YoY) | +10.3% | +4.0% | +6.4 pts |
| Loan growth (YoY) | +2.3% | +5.6% | -3.3 pts |
| ROA | 1.53% | 1.24% | +0.3 pts |
| ROE | 14.1% | 11.9% | +2.2 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $156.4M | $123.9M | $126.7M | $16.9M | $1.2M | 1.53% | 3.99% | 0.69% |
| Q1 2026 | $151.4M | $119.5M | $128.7M | $16.5M | $525K | 1.40% | 3.93% | 0.71% |
| Q4 2025 | $148.0M | $116.4M | $125.5M | $16.2M | $1.5M | 1.07% | 3.98% | 0.74% |
| Q3 2025 | $145.4M | $113.9M | $124.9M | $15.9M | $1.1M | 1.07% | 3.96% | 0.86% |
| Q2 2025 | $143.6M | $112.3M | $123.8M | $15.8M | $762K | 1.09% | 3.88% | 0.05% |
| Q1 2025 | $141.5M | $110.4M | $119.1M | $15.5M | $361K | 1.05% | 3.82% | 0.01% |
| Q4 2024 | $134.6M | $103.7M | $112.4M | $15.4M | $1.4M | 1.03% | 3.67% | 0.04% |
| Q3 2024 | $131.6M | $100.7M | $109.4M | $15.5M | $1.1M | 1.17% | 3.68% | 0.40% |
Loan mix (Q2 2026): real estate $83.6M · commercial $18.3M · consumer $500K · securities $1.8M
| Ratio | Oakwood Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.24% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 11.9% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.1% | 62.9% | 39th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Oakwood Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Oakwood Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Oakwood Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Oakwood Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Oakwood Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 3 counties across 2 states (+0 vs 2024) · $112.3M branch deposits. Biggest market: Eau Claire, WI, ranked 16th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Eau Claire, WI | 2 | $51.7M | 1.18% | 16th |
| Trempealeau, WI | 1 | $41.0M | 4.09% | 10th |
| Winona, MN | 1 | $19.6M | 1.08% | 10th |
Wisconsin: 211th with 0.04% · Minnesota: 346th with 0.01% · Eau Claire metro: 19th, 0.80% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4