FDIC Cert #22334 · Oregon, Wisconsin · Est. 1976

One Community Bank - FDIC Bank Health Profile

A community-scale look at One Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$2.6B
Total assets
A
Health grade · Excellent
1.15%
Return on assets
12.5%
Tier 1 capital

Data updated July 2026

The verdict

One Community Bank earns a PlainBankData health grade of A (87/100), with well-capitalized at 12.55% Tier 1, profitable at 1.15% ROA, efficient (53% cost ratio).

#497
largest of 4,313 FDIC banks by assets
89th
percentile by asset size, nationally
12.55%
Tier 1 ratio - above the 10% well-capitalized line
54th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 22334 · WI A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1192/4307
  • PHOTO-FINISH Grand Bank · OK
  • TIER1-WELL 12.5% Tier 1
  • TEXAS-CLEAN 2.1% Texas
  • ROA-PAR 1.15% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wisconsin: Grand Bank, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around One Community Bank

Lowest and highest poles plus nearest scored peers outside Wisconsin, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community West Bank · CA · n…87/100First Port City Bank · GA · …87/100Grand Bank · OK · near87/100One Community Bank · WI · th…87/100Tri Counties Bank · CA · near87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around One Community Bank · July 2026

Call Report read for One Community Bank in a high-failure state

One Community Bank (FDIC Cert #22334) carries a PlainBankData health grade of A at 87/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,192 of 4,307. Tier 1 capital prints at 12.55%, clearing the 10% well-capitalized line. The Texas Ratio is 2.07%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.15%. Balance-sheet scale is $2.6B, 497th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Grand Bank (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around One Community Bank

11 FAILURE resolutions in Wisconsin since 2000, heavy vs the state corpus

One Community Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2017). The list below is state history from the Failed Bank List, not a claim about One Community Bank's current Call Report.

  • GUARANTY BANK MILWAUKEE, WI 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • NORTH MILWAUKEE STATE BANK MILWAUKEE, WI 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • BANK OF WAUSAU WAUSAU, WI 2013 → NICOLET NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wisconsin banks.

How One Community Bank's 87/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10087/100
One Community Bank's composite health score
Tier 1 Capital Ratio (12.55%) 35/40
Return on Assets (ROA) (1.15%) 20/25
Texas Ratio (2.07%) 20/20
Efficiency Ratio (52.65%) 12/15

87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$2.6B

Total balance-sheet footings

Total Deposits

$2.0B

Customer-funded liabilities

Net Loans

$2.1B

Outstanding loan book

Net Income

$29M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.15% 12.55% 13.95%
Basel III capital ratios - One Community Bank

Where One Community Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. One Community Bank's score of 87/100 falls in the highlighted band.

One Community Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 28% higher than 72% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. One Community Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

One Community Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). One Community Bank's $2.6B falls in the highlighted band.

Capital & credit buffers at One Community Bank

Tier 1 capital ratio
Well-capitalized 10%

12.55% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.55%
Texas Ratio
2.07%
Equity Capital
$318M

What these ratios mean →

Earnings posture at One Community Bank

Return on Assets (ROA)
54th percentile nationally
1.15%
Return on Equity (ROE)
9.40%
Efficiency Ratio
52.65%

What these mean →

Income & expense at One Community Bank

$136M
Interest Income
$8M
Non-Interest Income
$47M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. One Community Bank reports a Texas Ratio of 2.07% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.07% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View One Community Bank on FDIC BankFind →

Top banks in Wisconsin by total assets

Largest banks headquartered in Wisconsin
  1. 1
    Associated Bank $45.1B

    Green Bay, WI · Grade A

  2. 2
    Nicolet National Bank $9.2B

    Green Bay, WI · Grade A

  3. 3
    Johnson Bank $7.2B

    Racine, WI · Grade A

  4. 4
    Town Bank $4.5B

    Hartland, WI · Grade A

  5. 5
    Bank First $4.5B

    Manitowoc, WI · Grade A

Top 5 banks in Wisconsin ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.6B here), outside Wisconsin so the neighborhood is not state containment.

First National Bank $2.6B · AR Western State Bank $2.6B · ND Meridian Bank $2.6B · PA Avidbank $2.6B · CA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) One Community Bank (FDIC Cert #22334) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

One Community Bank Call Report profile · FDIC Failed Bank List · Wisconsin FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wisconsin

All Wisconsin banks →
BankAssetsGradeROA
Associated Bank, National AssociationGreen Bay $45.1B A 1.10%
Nicolet National BankGreen Bay $9.2B A 1.66%
Johnson BankRacine $7.2B A 1.07%
Town Bank, National AssociationHartland $4.5B A 1.27%
Bank First, N.A.Manitowoc $4.5B A 1.64%
First Business BankMadison $4.1B B 1.36%
John Deere Financial, f.s.b.Middleton $3.4B A 3.87%
Lake Ridge BankMiddleton $3.3B B 0.98%