Oakwood Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Oakwood Bank of Pigeon Falls, WI against its peer group of 2672 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 | 1.66% | 1.34% | +0.32% | 72nd above |
| ROAE | 15.28% | 13.31% | +1.97% | 67th above |
| Net Interest Margin | 4.02% | 3.93% | +0.09% | 54th above |
| Efficiency Ratio | 57.27% | 61.14% | -3.87% | 62nd above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.58% | 1.68% | -0.10% | 50th above |
| Yield on Earning Assets | 6.60% | 5.67% | +0.93% | 89th top |
| Cost of Funds | 2.78% | 1.88% | +0.90% | 9th bottom |
| Net Interest Spread | 3.68% | 3.32% | +0.36% | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.75% | 0.94% | -0.19% | 35th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.61% | 0.70% | -0.09% | 33rd below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.01% | 1.28% | -0.27% | 27th below |
| ACL / NPLs (Coverage) | 134.69% | 1538.91% | -1404.22% | 37th below |
| Texas Ratio | 7.73% | 7.33% | +0.40% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.29% | 19.50% | -9.21% | 4th bottom |
| Tier 1 Ratio | 10.29% | 19.54% | -9.25% | 4th bottom |
| Total Capital Ratio | 11.34% | 20.62% | -9.28% | 4th bottom |
| Leverage Ratio | 8.48% | 12.14% | -3.66% | 6th bottom |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.84% | 11.37% | -0.53% | 57th above |
| TCE / Tangible Assets | 8.26% | 11.09% | -2.83% | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.32% | 80.63% | +22.69% | 8th bottom |
| Core Deposit Ratio | 77.89% | 86.86% | -8.97% | 12th bottom |
| Wholesale Funding Ratio | 9.59% | 5.03% | +4.56% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.91% | 6.85% | +2.06% | 79th top |
| Loan Growth (Y/Y) | 2.40% | 7.90% | -5.50% | 33rd below |
| Deposit Growth (Y/Y) | 10.33% | 6.29% | +4.04% | 84th top |
See Oakwood Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Oakwood 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 Oakwood Bank profile, how to read a UBPR, or how this data updates.