One Community Bank
One Community Bank is an FDIC-insured commercial bank headquartered in Oregon, WI, supervised by the Federal Reserve, with $2.61B in total assets at Q3 2026, up 3.1% from Q3 2025, the 11th largest of 153 banks headquartered in Wisconsin. It was established in 1976 and holds FDIC certificate 22334. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.09% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
Also written as OCB
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 22334
- Headquarters
- Oregon, WI
- Established
- 1976
- Total assets, Q3 2026
- $2.61B
- Assets vs Q3 2025
- +3.1%
- Tier 1 leverage ratio, Q3 2026
- 13.09%
- Domestic offices
- 20 branches
- Routing number
- 075912275
- Safety and soundness
- Is One Community Bank safe?
- Latest call report
- Q3 2026, FFIEC 051 · One Community Bank call report
- Holding company
- BOSSHARD FINANCIAL GROUP, INC.
- Asset rank in state
- 11th of 153 in Wisconsin
Problem loans are rising at One Community Bank. The Oregon, Wisconsin bank had $2.6 billion in assets at September 30, 2026, up 3.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.66% of loans from 0.36% a year earlier. It holds commercial real estate loans worth 3.7 times its capital, higher than about 9 in 10 of the 887 banks with $1 billion to $10 billion in assets (median 2.3 times). On the other hand, it funds 13.09% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.57%).
Its $328 million multifamily book is now fully current, after 1.26% of it was past due or on nonaccrual a year earlier. Net income for the quarter slipped 14% from a year earlier, to $9.4 million. One more trend to watch: the non-owner-occupied commercial real estate book ($670 million) is worsening: 1.04% of it is past due or on nonaccrual, up from 0.53% a year earlier.
As of September 30, 2026, One Community Bank reported a return on assets of 1.43%, a nonperforming-loan ratio of 0.66% and a Texas ratio of 4.35%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, One Community Bank is the 11th largest of the 153 banks headquartered in Wisconsin. Between Q2 2026 and Q3 2026, its total assets fell 0.5% to $2.61B, loans rose 0.6% and deposits fell 1.1%. Non-owner-occupied commercial real estate loans made up 29.9% of its total loans on September 30, 2026, its largest category; next came 1-4 family residential loans at 17.5%. Its 19 offices in the FDIC Summary of Deposits are in 16 cities in WI; its Oregon office books 33% of its branch deposits. Judged on its Q3 2026 call report, One Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 733 N Main St, Oregon, WI 53575
- County
- Dane
- Metro Area
- Madison, WI
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 15, 1976
- Former names
- Oregon Community Bank (2014-2020); Oregon Community Bank & Trust (2002-2014)
- Domestic offices
- 20 branches
- Employees (FTE)
- 272
- Domestic deposits
- $2.04B
- Allowance for credit losses
- $23.9M
- Net charge-offs (YTD)
- $74K
- Average total assets
- $2.64B
- Average total loans
- $2.22B
- Average interest-bearing deposits
- $1.68B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 15, 1976
- FDIC Cert
- 22334
- Fed RSSD
- 247140
- SEC CIK
- 1795669 → filed by BOSSHARD FINANCIAL GROUP, INC.
- Website
- www.onecommunity.bank →
- Parent Holding Company
- BOSSHARD FINANCIAL GROUP, INC. (RSSD 1205473)
Profitability
Q3 annualizedAsset Quality
Balance Sheet
Income Statement
Operating & Funding
Watch One Community Bank: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, One Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
One Community Bank's total assets moved between a low of $2.14B (Q1 2024) and a high of $2.63B (Q2 2026) from Q4 2023 to Q3 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$2.61B total assets against $2.53B; $2.28B total liabilities against $2.22B.
$2.22B net loans and leases against $2.10B; $2.04B total deposits against $1.99B.
$262.0M securities against $260.5M; $33.2M cash and balances due against $34.4M.
$38.1M total interest income against $41.9M; $13.8M total interest expense against $16.9M.
$24.3M net interest income against $25.1M.
$2.0M total noninterest income against $2.6M; $13.5M total noninterest expense against $14.0M.
$725K provision for credit losses against $82K.
$9.4M net income against $10.9M.
1.43% return on assets against 1.73%; 3.80% net interest margin against 4.09%.
13.09% tier 1 leverage ratio against 12.49%.
Inside the full One Community 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
One Community Bank rankings
Its closest position to the top of a national ranking is 483 of 4,193, for total assets; its furthest is 645 of 973, for uninsured deposits.
Banks merged into One Community Bank
- Intercity State Bank, effective August 1, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.84% (Q1 2025) to 1.73% (Q3 2025) and its net interest margin ran from 2.82% (Q1 2025) to 4.09% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 13.09% | 1.43% | 0.66% | 4.35% | 3.80% |
| Q2 2026 | 12.78% | 1.38% | 0.58% | 3.82% | 3.57% |
| Q1 2026 | 12.66% | 1.25% | 0.47% | 3.14% | 3.41% |
| Q4 2025 | 12.55% | 1.25% | 0.33% | 2.24% | 3.43% |
| Q3 2025 | 12.49% | 1.73% | 0.36% | 2.37% | 4.09% |
| Q2 2025 | 11.22% | 0.96% | 0.42% | 3.13% | 2.97% |
| Q1 2025 | 11.19% | 0.84% | 0.40% | 3.05% | 2.82% |
| Q4 2024 | 11.05% | 0.85% | 0.40% | 3.04% | 2.85% |
Swipe the table sideways to see every column.
Branch Network
View all 19 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 |
|---|---|---|---|
| One Community Bank (main office) | Oregon , WI | 53575 | $675.2M |
| Mcfarland Branch | Mc Farland , WI | 53558 | $446.9M |
| Kettle Park West Br | Stoughton , WI | 53589 | $185.2M |
| Water Ave Branch | Hillsboro , WI | 54634 | $140.7M |
| Mound View Branch | Adams , WI | 53910 | $137.1M |
| Schofield Branch | Schofield , WI | 54476 | $125.4M |
| Waunakee Branch | Waunakee , WI | 53597 | $82.4M |
| Schofield Branch | Schofield , WI | 54476 | $53.0M |
| Sun Prairie Branch | Sun Prairie , WI | 53590 | $45.0M |
| Middleton Office Branch | Middleton , WI | 53562 | $41.8M |
| Wausau Office Branch | Wausau , WI | 54401 | $33.5M |
| Lafarge Branch | La Farge , WI | 54639 | $31.0M |
| Oxford Branch | Oxford , WI | 53952 | $21.5M |
| State Bank of WonewoBranch | Wonewoc , WI | 53968 | $15.9M |
| Cottage Grove Branch | Cottage Grove , WI | 53527 | $12.5M |
| Readstown Branch | Readstown , WI | 54652 | $9.9M |
| Union Center Branch | Wonewoc , WI | 53968 | $8.8M |
| Grand Marsh Branch | Grand Marsh , WI | 53936 | $6K |
| Downtown Stoughton Branch | Stoughton , WI | 53589 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2025 | Structure Change | Acquired Intercity State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2023 | Structure Change | Acquired Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2020 | Structure Change | Acquired McFarland State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2018 | Structure Change | Acquired Grand Marsh State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- August 27, 2010, Federal Reserve: Written Agreement: Oregon Community Bank & Trust, Oregon, Wisconsin
- Period: Most recent institution action August 27, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.0% of deposits in WI, rank 16 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 561 applications, 461 loans originated, $239.2M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K 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
- 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 One Community Bank
What are One Community Bank's total assets?
As of the Q3 2026 filing, One Community Bank reported total assets of $2.61 billion in its FFIEC call report.
Where is One Community Bank headquartered?
It is headquartered in Oregon, WI, United States.
When was One Community Bank founded?
It was established in 1976, per the FDIC institution directory.
Is One Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22334). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates One Community Bank?
One Community Bank's primary federal regulator is the Federal Reserve.
How many branches does One Community Bank operate?
It operates 20 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is One Community Bank's Texas Ratio?
Its Texas Ratio is 4.35% in its Q3 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 nonperforming assets against the bank's capital and reserves.
What was One Community Bank previously called?
The charter now named One Community Bank has also operated as Oregon Community Bank (2014-2020), Oregon Community Bank & Trust (2002-2014), per FDIC structure-change records.
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