Bank call report · Fitchburg, WI
Oak Bank Call Report
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Oak Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 289 reported line items, schedule by schedule (764 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 2857600 |
| FDIC certificate number | 35333 |
| Total assets | $486.3M |
Official Q2 2026 call report PDF (FFIEC) →
Oak Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · Oak Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $486.3M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $486.3M |
| Total Liabilities and Minority Interest | RCON2948 | $433.7M |
| Total Deposits | RCON2200 | $419.6M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $381.0M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $374.8M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $331.3M |
| Deposits: Noninterest-bearing | RCON6631 | $88.2M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $55.5M |
| Total Equity Capital | RCON3210 | $52.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $52.7M |
| Undivided Profits and Capital Reserves | RCON3632 | $45.9M |
| Interest-bearing Balances | RCON0071 | $28.3M |
| Other Assets | RCON2160 | $18.0M |
| Other Liabilities, Total | RCON2930 | $14.1M |
| Surplus | RCON3839 | $9.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $6.3M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $4.9M |
| Accumulated Other Comprehensive Income | RCONB530 | -$4.2M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $2.6M |
| Held-to-maturity Securities, Total | RCON1754 | $2.6M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $2.3M |
| Common Stock | RCON3230 | $1.4M |
Schedule RI: Income Statement (40 items)
About Schedule RI · Oak Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $12.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $11.0M |
| Net Interest Income | RIAD4074 | $8.2M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $6.2M |
| Total Noninterest Expense | RIAD4093 | $5.2M |
| Total Interest Expense | RIAD4073 | $3.9M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $3.8M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $3.8M |
| Salaries and Employee Benefits | RIAD4135 | $3.7M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.0M |
| Net Income (Loss) | RIAD4340 | $3.0M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.0M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.6M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $2.1M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.5M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.1M |
| Other Noninterest Expense | RIAD4092 | $1.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.0M |
| Total Noninterest Income | RIAD4079 | $856K |
| Applicable Income Taxes | RIAD4302 | $755K |
| Other Noninterest Income | RIADB497 | $552K |
| Interest on Other Securities | RIAD4060 | $440K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $392K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $321K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $319K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $299K |
| Provision for Loan and Lease Losses | RIAD4230 | $150K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $150K |
| Net Servicing Fees | RIADB492 | $129K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $121K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $118K |
| Other Interest Expense | RIADGW44 | $94K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $66K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $66K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $51K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $33K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $22K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $18K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $6K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 43 |
Schedule RC-B: Securities (22 items)
About Schedule RC-B · Oak Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $61.3M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $32.0M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $28.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $26.9M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $25.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $24.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $19.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $3.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $3.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $3.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $2.9M |
| Amortized Cost of Other Held-to-maturity Domestic Debt Securities | RCON1737 | $2.6M |
| Fair Value of Other Held-to-maturity Domestic Debt Securities | RCON1738 | $2.6M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $2.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $1.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $1.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $1.1M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $607K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $341K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $333K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $231K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $59K |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · Oak Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $381.0M |
| Pledged Loans and Leases | RCONG378 | $205.1M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $120.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $95.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $85.5M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $80.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $76.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $74.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $68.3M |
| Commercial and Industrial Loans | RCON1766 | $63.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $46.5M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $32.5M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $21.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $20.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $19.4M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $17.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $15.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $14.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $13.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $8.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $8.8M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $7.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $5.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $4.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $3.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $635K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $275K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $70K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $9K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $38.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $20.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $5.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $4.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $2.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $375K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 111 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 88 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 82 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 72 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 15 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 8 |
Schedule RC-E: Deposit Liabilities (32 items)
About Schedule RC-E · Oak Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $274.0M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $269.2M |
| Total Transaction Accounts | RCON2215 | $145.5M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $140.1M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $126.3M |
| Total Demand Deposits (See Note Below) | RCON2210 | $88.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $71.3M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $64.5M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $54.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $44.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $43.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $33.9M |
| Total reciprocal deposits | RCONJH83 | $23.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $20.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $20.2M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $19.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $17.4M |
| Total Brokered Deposits | RCON2365 | $17.4M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $14.2M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $11.7M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $11.7M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $6.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $6.1M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $5.0M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $4.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $2.8M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $1.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $806K |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $743K |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $494K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $106K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $38K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $9.0M |
| Net Deferred Tax Assets | RCON2148 | $4.8M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.7M |
| Accrued Interest Receivable | RCONB556 | $1.4M |
| Other Assets | RCON2168 | $1.1M |
| Prepaid Expenses | RCON2166 | $630K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $389K |
Schedule RC-G: Other Liabilities (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $12.5M |
| Deferred Compensation Liabilities | RCONC011 | $9.8M |
| Operating lease liabilities | RCONLB56 | $1.9M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $900K |
| Net Deferred Tax Liabilities | RCON3049 | $293K |
| Other Expenses Accrued and Unpaid | RCON3646 | $268K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $99K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Oak Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $463.3M |
| Quarterly Average of Total Loans | RCON3360 | $369.8M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $209.6M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $137.0M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $98.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $67.7M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $61.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $53.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $46.6M |
| All Other Securities | RCONB560 | $34.9M |
| Mortgage-backed Securities | RCONB559 | $25.2M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $17.2M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $5.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $3.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $680K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $491K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (8 items)
About Schedule RC-L · Oak Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $64.1M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $28.5M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $4.8M |
| Unused Commitments - Credit Card Lines | RCON3815 | $3.5M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $1.8M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $1.7M |
| Performance Standby Letters of Credit | RCON3821 | $991K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $303K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · Oak Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $2.1M |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (3 items)
About Schedule RC-N · Oak Bank past due and nonaccrual loans, leases, and other assets trends
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · Oak Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $463.3M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $420.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $252.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $165.9M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $56.1M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $1.8M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 5,329 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 295 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 81 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Oak Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $463.3M |
| Average total consolidated assets | RCOAKW03 | $463.3M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $371.3M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $61.6M |
| Common Equity Tier 1 Capital | RCOAP859 | $56.9M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $56.9M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $56.9M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $52.7M |
| Retained Earnings | RCOAKW00 | $45.9M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $11.0M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $4.7M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $4.7M |
| Tier 2 Capital Before Deductions | RCOAP870 | $4.7M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$4.2M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$4.2M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1658 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1532 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1532 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1228 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0858 |
Schedule RC-R, Part II: Risk-Weighted Assets (45 items)
About Schedule RC-R, Part II · Oak Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $373.0M |
| Total Risk-weighted Assets | RCONG641 | $371.3M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $306.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $306.9M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $299.5M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $280.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $278.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $110.6M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $110.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $100.8M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $100.8M |
| Unconditionally Cancellable Commitments | RCONS540 | $59.0M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $55.5M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $55.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $54.1M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $54.1M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $47.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $34.3M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $34.3M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $33.2M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $29.0M |
| Total All Other Assets | RCOND981 | $20.3M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $18.7M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$12.1M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $10.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $10.4M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $9.8M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$5.8M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $5.2M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $5.2M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $4.2M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $4.1M |
| Held-to-maturity Securities - 100 Pct Risk Weight Category | RCOND965 | $2.6M |
| Total Held-to-maturity Securities | RCOND961 | $2.6M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $1.7M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $1.7M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $1.7M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.7M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $1.2M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $991K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $790K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $496K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $496K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $155K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $155K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $52.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $50.8M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $50.8M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $1.0M |
| Other Comprehensive Income | RIADB511 | -$124K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (2 items)
About Schedule RI-B, Part I · Oak Bank charge-offs and recoveries on loans and leases trends
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)
About Schedule RI-B, Part II · Oak Bank changes in allowances for credit losses trends
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $182.9M |
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $4.4M |
Oak Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Oak Bank call report?
The Oak Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Oak Bank file?
Oak Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Oak Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Oak Bank has Federal Reserve RSSD ID 2857600 and FDIC certificate number 35333. Either one finds its filings on the FFIEC Central Data Repository.
How often does Oak Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Oak Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 35333) · FFIEC NIC profile (RSSD 2857600)