Oostburg State Bank: how it compares with its peers
Against 82 WI banks with half to twice its assets, Oostburg State Bank's strongest measure in Q2 2026 is net interest margin (4.03% vs. a 3.86% peer median). Its weakest relative measure is return on assets (1.39% vs. 1.32%).
| Measure | Oostburg State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.39% | 1.32% | Middle third Ahead of 51% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.03% | 3.86% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.80% | 60.21% | Middle third Ahead of 51% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $7.3M | Middle third Ahead of 62% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.62% | 86.94% | Context |
What it means for lending operations
Its efficiency ratio of 59.80% is better than the 60.21% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Spring Bank Brookfield, WI · $441M
- American National Bank - Fox Cities Appleton, WI · $433M
- Bank of Mauston Mauston, WI · $427M
- The Bank of Brodhead Brodhead, WI · $422M
- BLC Community Bank Little Chute, WI · $475M
Questions about Oostburg State Bank
How big is Oostburg State Bank?
Oostburg State Bank, established in 1908, is headquartered in Oostburg, WI. It reported $440M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Oostburg State Bank's return on assets?
1.39% annualized in Q2 2026, against a 1.32% median for 82 WI banks with half to twice its assets, ahead of 51% of them.
What is Oostburg State Bank's efficiency ratio?
59.80% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 60.21%, and lower is better.
Is Oostburg State Bank growing its loans?
Net loans grew 12.4% over the year to Q2 2026, while deposits grew 13.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.