One Community Bank
Total assets
$2.63B
▲ +17.7% YoY
Deposits
$2.07B
▲ +18.6% YoY
Loans
$2.20B
▲ +18.2% YoY
Offices
20
BOSSHARD FINANCIAL GROUP INC
ROA (annualized)
1.33%
peers 1.26%
ROE (annualized)
10.55%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | One Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.7% | +5.5% | +12.2 pts |
| Deposit growth (YoY) | +18.6% | +5.1% | +13.5 pts |
| Loan growth (YoY) | +18.2% | +5.9% | +12.3 pts |
| ROA | 1.33% | 1.26% | +0.1 pts |
| ROE | 10.6% | 12.2% | -1.6 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
Profile
- Established
- 1976
- Charter
- State
- Primary regulator
- FED
- Holding company
- BOSSHARD FINANCIAL GROUP INC
- Specialization
- Commercial Lending Specialization
- Address
- 733 N Main St, Oregon, WI, 53575
- County
- Dane
- Metro area
- Madison, WI
- Offices
- 20
- FDIC cert #
- 22334
- RSSD ID
- 247140
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.63B | $2.07B | $2.20B | $332.5M | $17.1M | 1.33% | 3.57% | 0.50% |
| Q1 2026 | $2.55B | $2.00B | $2.16B | $323.2M | $8.1M | 1.26% | 3.49% | 0.42% |
| Q4 2025 | $2.55B | $2.02B | $2.14B | $318.3M | $28.8M | 1.15% | 3.25% | 0.29% |
| Q3 2025 | $2.53B | $1.99B | $2.10B | $312.3M | $20.8M | 1.12% | 3.17% | 0.30% |
| Q2 2025 | $2.23B | $1.74B | $1.87B | $247.6M | $10.0M | 0.91% | 2.98% | 0.36% |
| Q1 2025 | $2.19B | $1.70B | $1.83B | $241.2M | $4.6M | 0.84% | 2.90% | 0.35% |
| Q4 2024 | $2.17B | $1.69B | $1.80B | $236.0M | $18.0M | 0.83% | 2.80% | 0.34% |
| Q3 2024 | $2.18B | $1.68B | $1.81B | $236.5M | $13.3M | 0.82% | 2.74% | 0.26% |
Loan mix (Q2 2026): real estate $2.08B · commercial $113.7M · consumer $7.1M · securities $260.2M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | One Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.26% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 12.2% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.70% | 42th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.4% | 59.0% | 24th | |
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% |
Balance sheet
| Ratio | One Community 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% |
Capital
| Ratio | One Community 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% |
Credit quality
| Ratio | One Community 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% |
Franchise
| Ratio | One Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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