One Community Bank is a state-chartered bank (fed member) headquartered in Oregon, Wisconsin, in business for about 50 years. At the end of Q2 2026 it reported $2.6B in total assets and $2.1B in deposits, with 20 offices.
Based on its Q2 2026 filing, One Community Bank scores 74/100, which we describe as strong. That is higher than 74% of 897 banks with $1 billion – $10 billion. Among 154 banks headquartered in Wisconsin, it ranks 69th. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is funding & liquidity (40/100; 107% loans-to-deposits, 27% 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 7 points (67 → 74), mostly because the earnings component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 66 |
| Q4 2024 | 66 |
| Q1 2025 | 67 |
| Q2 2025 | 67 |
| Q3 2025 | 73 |
| Q4 2025 | 73 |
| Q1 2026 | 74 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.75% |
| Q3 2024 | 10.87% |
| Q4 2024 | 11.05% |
| Q1 2025 | 11.19% |
| Q2 2025 | 11.22% |
| Q3 2025 | 12.49% |
| Q4 2025 | 12.55% |
| Q1 2026 | 12.66% |
| Q2 2026 | 12.78% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.30% |
| Q4 2024 | 0.40% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.42% |
| Q3 2025 | 0.36% |
| Q4 2025 | 0.33% |
| Q1 2026 | 0.47% |
| Q2 2026 | 0.58% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.80% |
| Q3 2024 | 0.82% |
| Q4 2024 | 0.83% |
| Q1 2025 | 0.84% |
| Q2 2025 | 0.91% |
| Q3 2025 | 1.12% |
| Q4 2025 | 1.15% |
| Q1 2026 | 1.26% |
| Q2 2026 | 1.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $2.6B | 12.78% | 0.58% | 1.33% | 106.7% |
| Q1 2026 | 74 | $2.5B | 12.66% | 0.47% | 1.26% | 107.9% |
| Q4 2025 | 73 | $2.6B | 12.55% | 0.33% | 1.15% | 106.2% |
| Q3 2025 | 73 | $2.5B | 12.49% | 0.36% | 1.12% | 105.6% |
| Q2 2025 | 67 | $2.2B | 11.22% | 0.42% | 0.91% | 107.1% |
| Q1 2025 | 67 | $2.2B | 11.19% | 0.40% | 0.84% | 107.3% |
| Q4 2024 | 66 | $2.2B | 11.05% | 0.40% | 0.83% | 106.5% |
| Q3 2024 | 66 | $2.2B | 10.87% | 0.30% | 0.82% | 107.8% |
| Q2 2024 | 66 | $2.2B | 10.75% | 0.21% | 0.80% | 111.8% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| North Shore BankBank Brookfield, WI | 84 out of 100, Strong | $2.6B | 14.4% | 0.10% | vs |
| Bank Five NineBank Oconomowoc, WI | 54 out of 100, Below average | $2.5B | 9.8% | 1.91% | vs |
| National Exchange Bank and TrustBank Fond Du Lac, WI | 88 out of 100, Very strong | $2.9B | 20.1% | 0.37% | vs |
| WaterStone Bank, SSBBank Wauwatosa, WI | 81 out of 100, Strong | $2.3B | 15.4% | 0.36% | vs |
| National Bank of CommerceBank Superior, WI | 70 out of 100, Strong | $2.2B | 9.3% | 0.64% | vs |
| IncredibleBankBank Wausau, WI | 57 out of 100, Moderate | $2.1B | 8.3% | 0.89% | vs |
Deposit insurance
Is my money safe at One Community Bank?
Yes. One Community Bank is an FDIC-insured institution (FDIC certificate #22334). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.0% of deposits ($557.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.78%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
20 locations
Branches
One Community Bank lists 17 offices in 15 cities. Most locations:
- Schofield, WI (2)
- Wonewoc, WI (2)
- Adams, WI (1)
- Cottage Grove, WI (1)
- Grand Marsh, WI (1)
- Hillsboro, WI (1)
- La Farge, WI (1)
- Mc Farland, WI (1)
- Oregon, WI (1)
- Oxford, WI (1)
- Readstown, WI (1)
- Stoughton, WI (1)
HMDA 2025
Mortgage lending
In 2025, One Community Bank reported 555 home-loan applications under HMDA (LEI 549300CS1XP28EERR469): 461 originated ($239,235,000 total), 36 denied, and 48 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.1%, 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
- One Community Bank
- Former names
- Community National Bank; Oregon Community Bank & Trust; Oregon Community Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 22334
- RSSD ID
- 247140
- Primary regulator
- FED
- Holding company
- Bosshard Financial Group Inc
- Established
- September 15, 1976
- Headquarters
- 733 N Main St, Oregon, WI 53575
- Website
- www.onecommunity.bank
- Employees
- 281
Quick answers
One Community Bank: common questions
Is One Community Bank FDIC insured?
Yes. One Community Bank is an FDIC-insured institution (FDIC certificate #22334). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is One Community Bank's TellerScore?
74 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 One Community Bank ever failed?
There is no failure record for FDIC certificate #22334 in the FDIC failed bank list.
How many branches does One Community Bank have?
20 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Oregon
| 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 |
| 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 |
| Badger BankBank Fort Atkinson, WI | 82 out of 100, Strong | $206.0M | 12.4% | 0.07% | vs |
| Great Midwest Bank, S.S.B.Bank Brookfield, WI | 80 out of 100, Strong | $1.1B | 16.5% | 0.56% | vs |