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Oak Bank
Fitchburg, WI · FDIC Certificate #35333 · Chartered 08/1
Total assets
$486.34M
Total deposits
$419.56M
Total equity
$52.68M
Net loans
$374.75M
Branches (offices)
1
Net income (YTD)
$3.03M
Rank: #1,820 of 4,213 U.S. banks by assets · #70 of 153 in Wisconsin. Assets changed 2.8% and deposits 2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.28% |
| Return on equity | 11.80% |
| Net interest margin (YTD) | 3.68% |
| Equity to assets | 10.83% |
| Tier 1 leverage ratio | 12.28% |
| Uninsured deposits (share of deposits) | 42.7% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 89.3% |
| Real estate loans (share of loans) | 84.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $317.03M | 84.6% | |
| Commercial & industrial | $63.01M | 16.8% | |
| Consumer / individual | $989.00K | 0.3% | |
| Construction & development | $28.64M | 7.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $424.47M | $359.22M | $2.50M | $37.12M |
| Jun 2023 | $456.49M | $390.89M | $2.76M | $41.67M |
| Jun 2024 | $474.99M | $406.54M | $2.38M | $45.27M |
| Jun 2025 | $472.86M | $410.32M | $2.67M | $48.81M |
| Jun 2026 | $486.34M | $419.56M | $3.03M | $52.68M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $419.56M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $419.56M.
Similar-sized banks
First Farmers & Merchants Bank ($486.42M) · Raccoon Valley Bank ($486.03M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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