Bank Comparison
Blc Community Bank vs Oak Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 14
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Blc Community Bank | Oak Bank |
|---|---|---|
| CET1 Ratio | 11.80% | 15.84% |
| Tier 1 Capital Ratio | 11.80% | 15.84% |
| Total Capital Ratio | 12.82% | 17.10% |
| Tier 1 Leverage Ratio | 9.96% | 12.00% |
| Equity / Assets | 8.96% | 10.97% |
Profitability
| Metric | Blc Community Bank | Oak Bank |
|---|---|---|
| Return on Assets (ROA) | 1.65% | 1.28% |
| Return on Equity (ROE) | 18.56% | 11.61% |
| Net Interest Margin (NIM) | 3.13% | 3.68% |
| Yield on Earning Assets | 5.51% | 5.41% |
| Cost of Funds | 2.55% | 1.94% |
Asset quality
| Metric | Blc Community Bank | Oak Bank |
|---|---|---|
| Texas Ratio | 3.20% | 0.00% |
| Non-Performing Loan Ratio | 0.36% | 0.00% |
| Non-Performing Asset Ratio | 0.31% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.98% | 1.71% |
Balance sheet
| Metric | Blc Community Bank | Oak Bank |
|---|---|---|
| Total Assets | $475,359K | $462,129K |
| Total Deposits | $387,184K | $397,575K |
| Total Loans | $392,313K | $362,657K |
| Total Equity | $42,608K | $50,695K |
| Net Income (quarter) | $1,954K | $1,473K |
Liquidity & funding
| Metric | Blc Community Bank | Oak Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 101.32% | 91.22% |
| Core Deposit Ratio | 90.53% | 83.87% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Blc Community Bank | Oak Bank |
|---|---|---|
| Headquarters City | LITTLE CHUTE | FITCHBURG |
| Headquarters State | WI | WI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 33 | 42 |
| Established | Dec. 6, 1906, midnight | Aug. 14, 2000, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Blc Community Bank profile | View full Oak Bank profile | Browse all bank comparisons