BlastPoint's Banking Scorecard
One Community Bank
Community
Specialty: Commercial
WI
FDIC cert 22334
Oregon, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
One Community Bank faces 1 concern 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 23.10% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+17.7% YoY
+0.7% QoQ
|
+$1.2B |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$2.1B
+18.8% YoY
+1.9% QoQ
|
+$1.2B |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$2.0B
+19.2% YoY
+1.3% QoQ
|
+$851.7M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Top 15% in tier |
| Return on Assets ? |
1.15%
+38.8% YoY
+3.1% QoQ
|
-0.01% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
3.25%
+16.4% YoY
+2.7% QoQ
|
-0.41% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
52.65%
-9.2% YoY
-0.9% QoQ
|
-9.98% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
0.33%
-17.8% YoY
-9.9% QoQ
|
-0.30% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
106.16%
-0.3% YoY
+0.6% QoQ
|
+23.10% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.24%
-1.1% YoY
-4.5% QoQ
|
-2.80% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.29%
-14.7% YoY
-4.1% QoQ
|
-0.21% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.31%
-3.4% YoY
+34.3% QoQ
|
-0.43% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
106.16%
(Tier avg: 83.06%, National avg: 78.04%)
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
91
91th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
86
86th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
78
78th pctile
Efficiency Ratio
Current: 52.65% · Tier avg: 62.63%
59
59th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.63%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.50%
52
52th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.24% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.66%
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
6
6th pctile
Loan-to-Deposit Ratio
Current: 106.16% · Tier avg: 83.06%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 106.16% · Tier avg: 83.06%
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
28
28th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.24% · Tier avg: 21.05%
52
52th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.50%
59
59th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.63%
78
78th pctile
Efficiency Ratio
Current: 52.65% · Tier avg: 62.63%
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
86
86th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
91
91th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M