Oak Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Core deposits to total deposits dropped 3.50 percentage points in Q2 2026, from 82.36% to 78.85%. It was the largest change from Q1 2026 among the key lines here. Oak Bank ranks 76th of 153 Wisconsin banks on return on assets, in the upper half at 1.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Oak Bank sits 0.09 points higher, at 1.34% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.32% |
| Tier 1 risk-based capital ratio | 15.32% |
| Total risk-based capital ratio | 16.58% |
| Tier 1 leverage ratio | 12.28% |
| Equity capital to assets | 10.83% |
| Tangible equity to tangible assets | 10.83% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.26% |
| Allowance for credit losses to loans | 1.65% |
| Reserve coverage of non-performing loans | 4050.97% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.34% |
| Return on equity | 12.06% |
| Net interest margin | 3.72% |
| Efficiency ratio | 55.63% |
| Yield on earning assets | 5.43% |
| Cost of funds | 1.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.82% |
| Core deposits to total deposits | 78.85% |
| Brokered deposits to total deposits | 4.15% |
| Deposits to assets | 86.27% |
| Securities to assets | 11.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.89% | 13.89% | 15.14% | 10.96% | 1.16% |
| Q4 2023 | 13.67% | 13.67% | 14.92% | 10.71% | 0.39% |
| Q1 2024 | 13.40% | 13.40% | 14.65% | 10.72% | 1.04% |
| Q2 2024 | 13.70% | 13.70% | 14.96% | 10.97% | 0.98% |
| Q3 2024 | 14.15% | 14.15% | 15.40% | 11.03% | 1.10% |
| Q4 2024 | 14.26% | 14.26% | 15.52% | 10.83% | 0.80% |
| Q1 2025 | 14.63% | 14.63% | 15.88% | 11.23% | 1.07% |
| Q2 2025 | 14.75% | 14.75% | 16.00% | 11.64% | 1.21% |
| Q3 2025 | 14.92% | 14.92% | 16.18% | 11.34% | 1.26% |
| Q4 2025 | 15.38% | 15.38% | 16.63% | 11.33% | 0.88% |
| Q1 2026 | 15.84% | 15.84% | 17.10% | 12.00% | 1.28% |
| Q2 2026 | 15.32% | 15.32% | 16.58% | 12.28% | 1.34% |
Oak Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Oak Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Oak Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35333) · FFIEC NIC profile (RSSD 2857600)