Oakwood Bank
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Data as of · sourced from FFIEC call reports. How we update
Oakwood Bank is an FDIC-insured commercial bank headquartered in Pigeon Falls, WI, established in 1920 (FDIC certificate 13030), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $156.4M, up 8.9% from Q2 2025, the 127th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 10.29% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13030
- Headquarters
- Pigeon Falls, WI
- Established
- 1920
- Total assets, Q2 2026
- $156.4M
- Assets vs Q2 2025
- +8.9%
- CET1 ratio, Q2 2026
- 10.29%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 091809524
- Latest call report
- Q2 2026, FFIEC 051 · Oakwood Bank call report
- Holding company
- PF INVESTORS, INC.
- Asset rank in state
- 127th of 153 in Wisconsin
Problem loans are rising at Oakwood Bank. It reported $156 million in assets at June 30, 2026, up 8.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.76% of loans from 0.06% a year earlier. It pays an average of 2.78% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds common equity equal to 10.29% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
Earnings jumped: net income for the quarter was $638,000, 59% above the same quarter a year earlier. Over the same year, loans grew 2.4% and deposits grew 10.3%.
As of June 30, 2026, Oakwood Bank reported a CET1 capital ratio of 10.29%, a return on assets of 1.66%, a nonperforming-loan ratio of 0.84% and a Texas ratio of 7.01%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Oakwood Bank is the 127th largest of the 153 banks headquartered in Wisconsin. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.3% to $156.4M, loans fell 1.6% and deposits rose 3.7%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 31.0% of total loans, followed by agricultural production loans at 19.1%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities across 2 states; its Pigeon Falls office books 35% of its branch deposits. On its Q2 2026 call report, Oakwood Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 40214 S Ekern Avenue, Pigeon Falls, WI 54760
- County
- Trempealeau
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 6, 1920
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $123.9M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $154.2M
- Average total loans
- $130.1M
- Average interest-bearing deposits
- $114.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13030
- Fed RSSD
- 37051
- SEC CIK
- 1747087 → filed by PF INVESTORS, INC.
- Website
- www.oakwoodbank.net →
- Parent Holding Company
- PF INVESTORS, INC. (RSSD 5280133)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Oakwood Bank's total assets ranged from $125.0M (Q3 2023) to $156.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$156.4M total assets against $143.6M; $139.4M total liabilities against $127.8M.
$126.7M net loans and leases against $123.8M; $123.9M total deposits against $112.3M.
$1.8M securities against $1.9M; $19.5M cash and balances due against $9.0M.
$2.4M total interest income against $2.2M; $950K total interest expense against $930K.
$1.5M net interest income against $1.3M.
$18K total noninterest income against $26K; $878K total noninterest expense against $853K.
-$48K provision for credit losses against $56K.
$638K net income against $401K.
1.66% return on assets against 1.15%; 4.02% net interest margin against 4.14%.
10.29% CET1 capital ratio against 9.72%; 8.48% tier 1 leverage ratio against 8.50%.
Inside the full Oakwood Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Oakwood Bank rankings
Its closest position to the top of a national ranking is 945 of 3,640, for Texas Ratio; its furthest is 2,067 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.61% (Q4 2024) to 1.66% (Q2 2026) and its net interest margin ran from 3.60% (Q3 2024) to 4.14% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.29% | 1.66% | 0.84% | 7.01% | 4.02% |
| Q1 2026 | 9.91% | 1.40% | 0.82% | 7.27% | 3.89% |
| Q4 2025 | 9.80% | 1.08% | 0.87% | 7.43% | 3.97% |
| Q3 2025 | 9.68% | 1.03% | 0.99% | 8.80% | 4.06% |
| Q2 2025 | 9.72% | 1.15% | 0.06% | 0.60% | 4.14% |
| Q1 2025 | 9.91% | 1.04% | 0.01% | 0.10% | 3.79% |
| Q4 2024 | 10.36% | 0.61% | 0.04% | 0.41% | 3.63% |
| Q3 2024 | 10.50% | 1.11% | 0.48% | 4.41% | 3.60% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Oakwood Bank (main office) | Pigeon Falls , WI | 54760 | $43.3M |
| Oakwood Bank (main office) | Augusta , WI | 54722 | $27.7M |
| Oakwood Bank (main office) | Eau Claire , WI | 54701 | $27.4M |
| Oakwood Bank Branch | Rollingstone , MN | 55969 | $25.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WI, rank 156 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $234K approved, $234K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Oakwood Bank
What are Oakwood Bank's total assets?
As of the Q2 2026 filing, Oakwood Bank reported total assets of $156.4 million in its FFIEC call report.
Where is Oakwood Bank headquartered?
It is headquartered in Pigeon Falls, WI, United States.
When was Oakwood Bank founded?
It was established in 1920, per the FDIC institution directory.
Is Oakwood Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13030). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Oakwood Bank?
Oakwood Bank's primary federal regulator is the FDIC.
What is Oakwood Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.29% in its Q2 2026 call report, above regulatory requirements.
How many branches does Oakwood Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Oakwood Bank's Texas Ratio?
Its Texas Ratio is 7.01% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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