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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Wisconsin, the state note

One Community Bank

Oregon, Wisconsin · $2.63B in assets · beside the 11 other Wisconsin banks between $1B and $3B

The filing

+18.2%
Loans, year over year
1st of 12, largest first
107.8%
Loans / deposits
11th of 12
59.4%
CRE / loans
11th of 12

One Community Bank is the second largest of the 12 Wisconsin banks nearest its size between $1B and $3B, with $2.63B in assets at 30 June 2026. Loans are 107.8% of deposits, 11th of 12 against a median of 94.6%, and equity is 12.7% of assets, 4th of 12. Loans grew +18.2% in the year, the fastest in the cohort, and deposits grew 18.6%; the cohort's median loan growth is +4.0%.

Noncurrent loans are 0.58% of the book, 7th of 12 against a median of 0.54%; 0.10% is 30 to 89 days past due, and the allowance covers them 1.8 times. Commercial real estate is 59.4% of loans, 11th of 12 against a median of 45.7%, and 396% of capital, above the 300% screen, with construction at 90% against the 100% screen.

Return on assets is 1.31%, 6th of 12 against a median of 1.30%, on an efficiency ratio of 52.9%, 3rd of 12. Five years ago it was 1.32%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 15.2% of loans).

Commercial real estate, share of loansWI banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 45.7% BF Bank Five Nine 21.6% I Incrediblebank 23.2% HB Horicon Bank 30.4% WS Waukesha State Bank 34.0% NB National Bank of Commerce 40.9% NS North Shore Bank 45.0% NE National Exchange Bank & Trust 46.5% CN Ccfbank National Association 50.4% WB Waterstone Bank SSB 58.1% PB Park Bank 59.4% OC One Community Bank 59.4% TC Tri City National Bank 66.8%
Loans, year over yearWI banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.0% OC One Community Bank +18.2% BF Bank Five Nine +7.7% WS Waukesha State Bank +7.4% NS North Shore Bank +7.1% HB Horicon Bank +6.3% I Incrediblebank +5.6% CN Ccfbank National Association +2.4% PB Park Bank +1.6% NB National Bank of Commerce +1.4% NE National Exchange Bank & Trust +1.1% TC Tri City National Bank +0.6% WB Waterstone Bank SSB +0.5%

SBA 7(a), FY2008 to FY2026

One Community Bank is the 45th largest 7(a) lender into Wisconsin of 426, with $41M across 97 loans, 0.4% of everything approved in the state (Byline Bank leads with $864M). 10 of its 13 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Wisconsin, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Dane, WI$29M6th of 1413.6%-1.7 pts
Rock, WI$4M8th of 643.1%quiet FY2019
Marathon, WI$2M15th of 471.2%-1.6 pts
Portage, WI$1M15th of 442.4%quiet FY2021
Winnebago, WI$761K49th of 760.3%quiet FY2021
Adams, WI$731K8th of 184.9%+8.4 pts
Door, WI$525K23rd of 300.6%quiet FY2022
Marquette, WI$497K12th of 192.3%quiet FY2022
Outagamie, WI$364K77th of 910.1%quiet FY2019
Columbia, WI$325K44th of 540.3%quiet FY2017
Ozaukee, WI$300K55th of 700.1%quiet FY2008
Winnebago, IL$150K66th of 740.0%quiet FY2008
Vernon, WI$62K21st of 220.2%quiet FY2010
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services24$16M38.5%0.02%439th of 2,596
Arts, entertainment & recreation15$5M12.2%0.03%341st of 1,656
Professional & technical services7$4M10.0%0.01%502nd of 1,955
Construction11$4M9.5%0.01%667th of 2,063
Retail trade10$3M6.9%0.00%998th of 2,589
7(a) lenders into Wisconsin, share of approvals since FY2008426 lenders on record; the ten largest and One Community Bank
BB Byline Bank 9.3% $864M · 860 loans BF Bank Five Nine 7.9% $733M · 1,782 loans BF Bank First, N.A. 4.7% $437M · 963 loans UB UMB Bank, National Association 3.8% $355M · 672 loans UB U.S. Bank, National Association 3.5% $324M · 1,831 loans NN Nicolet National Bank 3.2% $296M · 741 loans ON Old National Bank 3.0% $279M · 390 loans AB Associated Bank National Associat… 3.0% $278M · 2,089 loans LO Live Oak Banking Company 2.6% $246M · 206 loans SC Summit CU 2.6% $244M · 1,034 loans OC One Community Bank 0.4% $41M · 97 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers, One Community Bank among them; owner-occupied excluded; bold marks a screen met
One Community BankRankCohort median
Total CRE against capital, the 300% screen396%11th of 12272%
Construction against capital, the 100% screen90%10th of 1237%
Construction and land development, share of loans13.5%11th of 126.6%
Non-owner-occupied nonfarm nonresidential, share of loans31.0%10th of 1219.6%
Total CRE, the guidance definition, share of loans59.4%11th of 1245.7%
CRE growth over 36 months, the third prong+36.4%8th of 12+15.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
National Exchange Bank & Trust$2.89B1.7%49.4%0.37%-0.07%3.0%75.3%19.8%
One Community Bank$2.63B1.3%52.9%0.58%0.00%1.0%107.8%12.7%
North Shore Bank$2.61B1.0%69.9%0.10%0.02%0.7%95.1%15.3%
Bank Five Nine$2.53B1.3%58.6%1.91%0.03%0.6%97.9%9.6%
Waterstone Bank SSB$2.25B1.3%75.5%0.36%0.00%1.0%124.9%14.7%
National Bank of Commerce$2.23B2.0%51.5%0.64%0.05%1.0%92.9%9.8%
Incrediblebank$2.10B1.1%63.0%0.89%0.11%1.1%89.9%7.7%
Tri City National Bank$1.95B0.8%72.9%0.51%0.04%1.2%66.7%9.7%
Ccfbank National Association$1.81B0.7%60.6%2.28%0.23%1.9%87.6%12.0%
Horicon Bank$1.65B1.4%63.3%0.93%0.01%1.3%96.7%10.3%
Waukesha State Bank$1.62B2.4%55.6%0.25%0.01%0.9%94.0%10.9%
Park Bank$1.54B0.7%71.3%0.24%0.00%1.2%104.8%10.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
One Community BankCohort median
20212026Change20212026Change
Loans$1.28B$2.23B+74%$1.11B$1.65B+48%
Deposits$1.27B$2.07B+62%$1.29B$1.76B+37%
NPA / loans0.06%0.58%+0.52 pts0.45%0.54%+0.10 pts
Efficiency51.2%52.9%+1.7 pts57.4%61.8%+4.4 pts
ROA1.32%1.31%-0.01 pts1.36%1.30%-0.06 pts

This read was prepared for One Community Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on One Community Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort WI banks $1B to $3B
Institution www.onecommunity.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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