Oakwood Bank: how it compares with its peers
Against 53 WI banks with half to twice its assets, Oakwood Bank's strongest measure in Q2 2026 is return on assets (1.53% vs. a 1.16% peer median). Its weakest relative measure is net interest margin (3.99% vs. 3.95%).
| Measure | Oakwood Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.53% | 1.16% | Top third Ahead of 79% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.99% | 3.95% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.10% | 65.01% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $6.6M | Top third Ahead of 72% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.28% | 84.92% | Context |
What it means for lending operations
Its efficiency ratio of 59.10% is better than the 65.01% 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
- Waldo State Bank Waldo, WI · $154M
- GreenLeaf Bank Greenleaf, WI · $159M
- First Community Bank Milton, WI · $159M
- Bluff View Bank Galesville, WI · $153M
- The Pineries Bank Stevens Point, WI · $149M
- Bank of Cashton Cashton, WI · $146M
Questions about Oakwood Bank
How big is Oakwood Bank?
Oakwood Bank, established in 1920, is headquartered in Pigeon Falls, WI. It reported $156M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Oakwood Bank's return on assets?
1.53% annualized in Q2 2026, against a 1.16% median for 53 WI banks with half to twice its assets, ahead of 79% of them.
What is Oakwood Bank's efficiency ratio?
59.10% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 65.01%, and lower is better.
Is Oakwood Bank growing its loans?
Net loans grew 2.3% over the year to Q2 2026, while deposits grew 10.3%.
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.