OAKWOOD BANK

PIGEON FALLS, WI | Small | Est. April 6, 1920, midnight | FDIC #13030 | RSSD #37051 | FDIC
Latest Report: 2025-12-31

OAKWOOD BANK is asn small FDIC-insured commercial bank headquartered in PIGEON FALLS, WI, established in April 6, 1920, midnight. As of 2025-12-31, the bank reported total assets of $148M and total deposits of $116M. Profitability stands at 1.09% ROA and 9.90% ROE, with a net interest margin of 4.10%. The bank's CET1 capital ratio is 9.80%. Asset quality metrics show a non-performing loan ratio of 0.76% and a Texas Ratio of 5.47%. FDIC Certificate #13030.

Assets

$148M

Deposits

$116M

Loans

$127M

Equity

$16M

Profitability

Return on Assets (ROA) 1.09%
Return on Equity (ROE) 9.90%
Net Interest Margin (NIM) 4.10%
Yield on Assets 6.94%
Cost of Funds 2.95%

Asset Quality

NPL Ratio 0.76%
Net Charge-Off Ratio --
Texas Ratio 5.47%
NPA Ratio 0.65%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 9.80%
Tier 1 Capital 9.80%
Total Capital Ratio 10.89%
Leverage Ratio 8.32%
Loan-to-Deposit 108.93%

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