BlastPoint's Banking Scorecard
Oakwood Bank
Micro
Specialty: Agricultural
WI
FDIC cert 13030
Designations: ✓ Community bank
Pigeon Falls, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Oakwood Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 33.27% above tier
- - Non-Interest-Bearing Deposit Share 16.54% below tier
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$148.0M
+10.0% YoY
+1.8% QoQ
|
-$69.4M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$125.5M
+11.6% YoY
+0.5% QoQ
|
-$13.7M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$116.4M
+12.2% YoY
+2.2% QoQ
|
-$67.3M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
1.07%
+4.8% YoY
+0.3% QoQ
|
-0.01% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
3.98%
+8.3% YoY
+0.4% QoQ
|
+0.12% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
63.85%
-3.5% YoY
+2.6% QoQ
|
-3.88% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
0.87%
-12.5% QoQ
|
+0.23% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
107.80%
-0.5% YoY
-1.7% QoQ
|
+33.27% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.85%
-70.2% YoY
+15.6% QoQ
|
-16.54% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.74%
-13.7% QoQ
|
+0.29% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
9.80%
-5.4% YoY
+1.3% QoQ
|
+0.95% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.07%
-45.6% YoY
+26.4% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
107.80%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
5.85%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
58
58th pctile
Net Interest Margin
Current: 3.98% · Tier avg: 3.85%
56
56th pctile
Efficiency Ratio
Current: 63.85% · Tier avg: 67.73%
52
52th pctile
Total Loans
Current: $125.5M · Tier avg: $139.2M
52
52th pctile
Tier 1 Capital Ratio
Current: 9.80% · Tier avg: 8.85%
51
51th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.08%
37
37th pctile
Total Assets
Current: $148.0M · Tier avg: $217.5M
34
34th pctile
Total Deposits
Current: $116.4M · Tier avg: $183.7M
32
32th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.64%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.45%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.85% · Tier avg: 22.39%
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
4
4th pctile
Loan-to-Deposit Ratio
Current: 107.80% · Tier avg: 74.53%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 107.80% · Tier avg: 74.53%
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.85% · Tier avg: 22.39%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.45%
32
32th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.64%
34
34th pctile
Total Deposits
Current: $116.4M · Tier avg: $183.7M
37
37th pctile
Total Assets
Current: $148.0M · Tier avg: $217.5M
51
51th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.08%
52
52th pctile
Tier 1 Capital Ratio
Current: 9.80% · Tier avg: 8.85%
52
52th pctile
Total Loans
Current: $125.5M · Tier avg: $139.2M
56
56th pctile
Efficiency Ratio
Current: 63.85% · Tier avg: 67.73%
58
58th pctile
Net Interest Margin
Current: 3.98% · Tier avg: 3.85%