Oak Bank (FDIC certificate #35333) is based in Fitchburg, Wisconsin. Its Q2 2026 call report shows $486.3M in total assets and $419.6M in deposits and 1 office.
Oak Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 59th. Loan quality contributes the most (99/100, 0.04%); funding & liquidity contributes the least (40/100, 89% loans-to-deposits, 43% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (71 → 77), mostly because the loan quality component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 72 |
| Q4 2024 | 67 |
| Q1 2025 | 69 |
| Q2 2025 | 71 |
| Q3 2025 | 70 |
| Q4 2025 | 71 |
| Q1 2026 | 76 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.97% |
| Q3 2024 | 11.03% |
| Q4 2024 | 10.83% |
| Q1 2025 | 11.23% |
| Q2 2025 | 11.64% |
| Q3 2025 | 11.34% |
| Q4 2025 | 11.33% |
| Q1 2026 | 12.00% |
| Q2 2026 | 12.28% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.40% |
| Q1 2025 | 0.41% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.18% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.04% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.01% |
| Q3 2024 | 1.04% |
| Q4 2024 | 0.98% |
| Q1 2025 | 1.07% |
| Q2 2025 | 1.14% |
| Q3 2025 | 1.17% |
| Q4 2025 | 1.11% |
| Q1 2026 | 1.26% |
| Q2 2026 | 1.28% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $486.3M | 12.28% | 0.04% | 1.28% | 89.3% |
| Q1 2026 | 76 | $462.1M | 12.00% | 0.00% | 1.26% | 89.7% |
| Q4 2025 | 71 | $471.6M | 11.33% | 0.18% | 1.11% | 89.3% |
| Q3 2025 | 70 | $482.0M | 11.34% | 0.42% | 1.17% | 87.8% |
| Q2 2025 | 71 | $472.9M | 11.64% | 0.40% | 1.14% | 91.9% |
| Q1 2025 | 69 | $464.1M | 11.23% | 0.41% | 1.07% | 91.9% |
| Q4 2024 | 67 | $471.6M | 10.83% | 0.40% | 0.98% | 93.3% |
| Q3 2024 | 72 | $484.5M | 11.03% | 0.00% | 1.04% | 91.5% |
| Q2 2024 | 72 | $475.0M | 10.97% | 0.00% | 1.01% | 93.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens State BankBank Hudson, WI | 66 out of 100, Moderate | $488.2M | 10.0% | 0.43% | vs |
| BLC Community BankBank Little Chute, WI | 73 out of 100, Strong | $475.5M | 10.2% | 0.02% | vs |
| State Bank FinancialBank La Crosse, WI | 73 out of 100, Strong | $512.1M | 9.9% | 0.11% | vs |
| State Bank of ChiltonBank Chilton, WI | 80 out of 100, Strong | $516.5M | 12.7% | 0.58% | vs |
| Woodford State BankBank Monroe, WI | 66 out of 100, Moderate | $523.4M | 8.1% | 0.36% | vs |
| Coulee BankBank La Crosse, WI | 39 out of 100, Low | $524.4M | 9.1% | 2.50% | vs |
Deposit insurance
Is my money safe at Oak Bank?
Yes. Oak Bank is an FDIC-insured institution (FDIC certificate #35333). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 42.7% of deposits ($179.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.28%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.58% (benchmark: 10%).
1 location
Branches
Oak Bank lists 1 office in 1 city. Most locations:
- Fitchburg, WI (1)
HMDA 2025
Mortgage lending
In 2025, Oak Bank reported 59 home-loan applications under HMDA (LEI 549300UXZ76FJVM3UC43): 51 originated ($22,125,000 total), 1 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Oak Bank
- Type
- State-chartered bank
- FDIC certificate #
- 35333
- RSSD ID
- 2857600
- Primary regulator
- FDIC
- Holding company
- Oak Financial Inc
- Established
- August 14, 2000
- Headquarters
- 5951 Mckee Rd, Fitchburg, WI 53719
- Website
- www.oak.bank
- Employees
- 43
Quick answers
Oak Bank: common questions
Is Oak Bank FDIC insured?
Yes. Oak Bank is an FDIC-insured institution (FDIC certificate #35333). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Oak Bank's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Oak Bank ever failed?
There is no failure record for FDIC certificate #35333 in the FDIC failed bank list.
How many branches does Oak Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fitchburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mississippi Public Employees Federal Credit UnionCredit union Jackson, MS | 97 out of 100, Very strong | $29.2M | 18.1% | 0.10% | vs |
| Madison Fire Department Credit UnionCredit union Madison, WI | 90 out of 100, Very strong | $5.5M | 19.9% | 0.00% | vs |
| Bank of Prairie du SacBank Prairie Du Sac, WI | 88 out of 100, Very strong | $744.5M | 13.7% | 0.00% | vs |
| The Peoples Community BankBank Mazomanie, WI | 87 out of 100, Very strong | $388.8M | 12.8% | 0.14% | vs |
| Mound City BankBank Platteville, WI | 86 out of 100, Very strong | $550.7M | 13.1% | 0.11% | vs |
| John Deere Financial, f.s.b.Bank Middleton, WI | 82 out of 100, Strong | $4.9B | 19.4% | 0.27% | vs |