Oak Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Oak Bank of Fitchburg, WI against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.34% | 1.25% | +0.09% | 54th above |
| ROAE | 12.06% | 12.22% | -0.16% | 47th below |
| Net Interest Margin | 3.72% | 3.95% | -0.23% | 37th below |
| Efficiency Ratio | 55.63% | 63.71% | -8.08% | 67th above |
| PPNR / Avg Assets | 1.75% | — | — | 59th above |
| Yield on Earning Assets | 5.43% | 5.67% | -0.24% | 41st below |
| Cost of Funds | 1.93% | 1.87% | +0.06% | 41st below |
| Net Interest Spread | 3.02% | — | — | 33rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.88% | -0.84% | 81st top |
| NPA / Total Assets | 0.03% | — | — | 81st top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 74th above |
| ACL / Total Loans | 1.65% | — | — | 86th top |
| ACL / NPLs (Coverage) | 4050.97% | — | — | — |
| Texas Ratio | 0.26% | 5.96% | -5.70% | 82nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.32% | 17.18% | -1.86% | 52nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.32% | 17.21% | -1.89% | 52nd above |
| Total Capital Ratio | 16.58% | — | — | 53rd above |
| Leverage Ratio | 12.28% | 11.75% | +0.53% | 67th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.83% | 10.98% | -0.15% | 57th above |
| TCE / Tangible Assets | 10.83% | — | — | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.82% | 80.44% | +10.38% | 27th below |
| Core Deposit Ratio | 78.85% | 86.95% | -8.10% | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.85% | — | — | 38th below |
| Loan Growth (Y/Y) | -0.55% | — | — | 20th bottom |
| Deposit Growth (Y/Y) | 2.25% | — | — | 36th below |
See Oak Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Oak Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Oak Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Oak Bank peer analysis.