OAK BANK

FITCHBURG, WI | Small | Est. Aug. 14, 2000, midnight | FDIC #35333 | RSSD #2857600 | FDIC
Latest Report: 2025-12-31

OAK BANK is asn small FDIC-insured commercial bank headquartered in FITCHBURG, WI, established in Aug. 14, 2000, midnight. As of 2025-12-31, the bank reported total assets of $472M and total deposits of $407M. Profitability stands at 0.90% ROA and 8.56% ROE, with a net interest margin of 3.82%. The bank's CET1 capital ratio is 15.38%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 1.16%. FDIC Certificate #35333.

Assets

$472M

Deposits

$407M

Loans

$369M

Equity

$51M

Profitability

Return on Assets (ROA) 0.90%
Return on Equity (ROE) 8.56%
Net Interest Margin (NIM) 3.82%
Yield on Assets 5.96%
Cost of Funds 2.28%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.16%
NPA Ratio 0.14%
ACL / Loans 1.66%

Capital & Liquidity

CET1 Ratio 15.38%
Tier 1 Capital 15.38%
Total Capital Ratio 16.63%
Leverage Ratio 11.33%
Loan-to-Deposit 90.82%

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