One Community Bank: how it compares with its peers
Against 17 WI banks with half to twice its assets, One Community Bank's strongest measure in Q2 2026 is efficiency ratio (50.43% vs. a 60.29% peer median). Its weakest relative measure is net interest margin (3.57% vs. 3.63%).
| Measure | One Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.33% | 1.28% | Middle third Ahead of 59% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.57% | 3.63% | Middle third Ahead of 41% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.43% | 60.29% | Top third Ahead of 76% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.4M | $8.0M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 106.69% | 94.46% | Context |
What it means for lending operations
Its efficiency ratio of 50.43% is better than the 60.29% 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
- North Shore Bank Brookfield, WI · $2.61B
- Bank Five Nine Oconomowoc, WI · $2.53B
- National Exchange Bank and Trust Fond Du Lac, WI · $2.89B
- WaterStone Bank, SSB Wauwatosa, WI · $2.25B
- National Bank of Commerce Superior, WI · $2.23B
- IncredibleBank Wausau, WI · $2.10B
Questions about One Community Bank
How big is One Community Bank?
One Community Bank, established in 1976, is headquartered in Oregon, WI. It reported $2.63B in total assets in its Q2 2026 FDIC call report and operates 20 offices.
What is One Community Bank's return on assets?
1.33% annualized in Q2 2026, against a 1.28% median for 17 WI banks with half to twice its assets, ahead of 59% of them.
What is One Community Bank's efficiency ratio?
50.43% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 60.29%, and lower is better.
Is One Community Bank growing its loans?
Net loans grew 18.2% over the year to Q2 2026, while deposits grew 18.6%.
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.