Oakwood Bank (FDIC certificate #13030) is based in Pigeon Falls, Wisconsin. Its Q2 2026 call report shows $156.4M in total assets and $123.9M in deposits and 4 offices across 2 states.
Oakwood Bank has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 126th. Problem-loan coverage contributes the most (88/100, 5.9%); capital cushion contributes the least (35/100, 8.48%).
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 fell 3 points (65 → 62), mostly because the loan quality component weakened by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 63 |
| Q4 2024 | 65 |
| Q1 2025 | 65 |
| Q2 2025 | 65 |
| Q3 2025 | 56 |
| Q4 2025 | 57 |
| Q1 2026 | 60 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.96% |
| Q3 2024 | 8.66% |
| Q4 2024 | 8.58% |
| Q1 2025 | 8.41% |
| Q2 2025 | 8.50% |
| Q3 2025 | 8.31% |
| Q4 2025 | 8.32% |
| Q1 2026 | 8.40% |
| Q2 2026 | 8.48% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.06% |
| Q3 2025 | 0.99% |
| Q4 2025 | 0.87% |
| Q1 2026 | 0.82% |
| Q2 2026 | 0.84% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.19% |
| Q3 2024 | 1.17% |
| Q4 2024 | 1.03% |
| Q1 2025 | 1.05% |
| Q2 2025 | 1.09% |
| Q3 2025 | 1.07% |
| Q4 2025 | 1.07% |
| Q1 2026 | 1.40% |
| Q2 2026 | 1.53% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $156.4M | 8.48% | 0.84% | 1.53% | 102.3% |
| Q1 2026 | 60 | $151.4M | 8.40% | 0.82% | 1.40% | 107.7% |
| Q4 2025 | 57 | $148.0M | 8.32% | 0.87% | 1.07% | 107.8% |
| Q3 2025 | 56 | $145.4M | 8.31% | 0.99% | 1.07% | 109.7% |
| Q2 2025 | 65 | $143.6M | 8.50% | 0.06% | 1.09% | 110.3% |
| Q1 2025 | 65 | $141.5M | 8.41% | 0.01% | 1.05% | 107.8% |
| Q4 2024 | 65 | $134.6M | 8.58% | 0.04% | 1.03% | 108.4% |
| Q3 2024 | 63 | $131.6M | 8.66% | 0.48% | 1.17% | 108.6% |
| Q2 2024 | 68 | $132.2M | 8.96% | 0.00% | 1.19% | 109.9% |
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 |
|---|---|---|---|---|---|
| Waldo State BankBank Waldo, WI | 47 out of 100, Below average | $154.2M | 10.3% | 2.44% | vs |
| GreenLeaf BankBank Greenleaf, WI | 69 out of 100, Moderate | $158.7M | 9.6% | 0.58% | vs |
| First Community BankBank Milton, WI | 77 out of 100, Strong | $158.9M | 10.4% | 0.34% | vs |
| Bluff View BankBank Galesville, WI | 90 out of 100, Very strong | $152.8M | 14.9% | 0.00% | vs |
| The Pineries BankBank Stevens Point, WI | 83 out of 100, Strong | $149.1M | 11.3% | 0.00% | vs |
| Bank of CashtonBank Cashton, WI | 79 out of 100, Strong | $146.1M | 10.9% | 0.00% | vs |
Deposit insurance
Is my money safe at Oakwood Bank?
Yes. Oakwood Bank is an FDIC-insured institution (FDIC certificate #13030). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.6% of deposits ($18.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.48%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.34% (benchmark: 10%).
4 locations
Branches
Oakwood Bank lists 4 offices in 4 cities across 2 states. Most locations:
- Augusta, WI (1)
- Eau Claire, WI (1)
- Pigeon Falls, WI (1)
- Rollingstone, MN (1)
Identity & history
Profile
- Legal name
- Oakwood Bank
- Former names
- Pigeon Falls State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 13030
- RSSD ID
- 37051
- Primary regulator
- FDIC
- Holding company
- Pf Investors Inc
- Established
- April 6, 1920
- Headquarters
- 40214 S Ekern Avenue, Pigeon Falls, WI 54760
- Website
- www.oakwoodbank.net
- Employees
- 20
Quick answers
Oakwood Bank: common questions
Is Oakwood Bank FDIC insured?
Yes. Oakwood Bank is an FDIC-insured institution (FDIC certificate #13030). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Oakwood Bank's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Oakwood Bank ever failed?
There is no failure record for FDIC certificate #13030 in the FDIC failed bank list.
How many branches does Oakwood Bank have?
4 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Pigeon Falls
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Arcadia Credit UnionCredit union Arcadia, WI | 79 out of 100, Strong | $144.2M | 12.9% | 0.46% | vs |
| Independence State BankBank Independence, WI | 75 out of 100, Strong | $84.2M | 10.4% | 0.00% | vs |
| Royal Credit UnionCredit union Eau Claire, WI | 73 out of 100, Strong | $5.9B | 10.8% | 0.43% | vs |
| Alliance BankBank Mondovi, WI | 72 out of 100, Strong | $266.0M | 9.0% | 0.58% | vs |
| Co-Op Credit UnionCredit union Black River Fal, WI | 70 out of 100, Strong | $626.8M | 11.6% | 0.80% | vs |
| Black River Country BankBank Black River Falls, WI | 69 out of 100, Moderate | $101.8M | 8.9% | 0.29% | vs |