One Community Bank: Peer Group Comparison
BankRegReports is independent of One Community Bank and never asks for online banking logins or passwords.
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks One Community Bank of Oregon, WI against its peer group of 896 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.43% | 1.32% | +0.11% | 59th better half |
| ROAE | 11.26% | 12.84% | -1.58% | 37th worse half |
| Net Interest Margin | 3.80% | 3.80% | +0.00% | 50th better half |
| Efficiency Ratio | 49.04% | 57.50% | -8.46% | 24th best quarter |
| PPNR / Avg Assets | 1.93% | 1.78% | +0.15% | 60th better half |
| Yield on Earning Assets | 5.95% | 5.62% | +0.33% | 67th |
| Cost of Funds | 2.45% | 2.05% | +0.40% | 75th worse half |
| Net Interest Spread | 3.05% | 3.16% | -0.11% | 44th worse half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.66% | 0.54% | +0.12% | 58th worse half |
| NPA / Total Assets | 0.58% | 0.43% | +0.15% | 61st worse half |
| NCO / Avg Loans | 0.01% | 0.03% | -0.02% | 30th better half |
| ACL / Total Loans | 1.07% | 1.14% | -0.07% | 39th |
| ACL / NPLs (Coverage) | 160.80% | 206.61% | -45.81% | 42nd worse half |
| Texas Ratio | 4.35% | 3.89% | +0.46% | 55th worse half |
| Provision / NCO | 2589.29% | 144.93% | +2444.36% | — |
| CRE / Total Capital | 369.69% | 224.99% | +144.70% | 92nd worst quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Leverage Ratio | 13.09% | 10.57% | +2.52% | 84th best quarter |
| Equity / Assets | 12.83% | 10.20% | +2.63% | 84th best quarter |
| TCE / Tangible Assets | 12.57% | 9.58% | +2.99% | 87th best quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 109.69% | 88.09% | +21.60% | 95th |
| Core Deposit Ratio | 82.10% | 89.11% | -7.01% | 24th worst quarter |
| Uninsured Deposit Ratio | 27.12% | 31.09% | -3.97% | 36th better half |
| Borrowings / Total Assets | 8.29% | 4.05% | +4.24% | 77th worst quarter |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.13% | 4.80% | -1.67% | 37th |
| Loan Growth (Y/Y) | 5.61% | 6.01% | -0.40% | 47th |
| Deposit Growth (Y/Y) | 2.69% | 4.64% | -1.95% | 35th |
See One Community Bank's peers by name
The 896 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this 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 One Community 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 One Community Bank peer analysis.