# OAKWOOD BANK
PIGEON FALLS, WI · FDIC certificate 13030 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $156.4M | |
| Deposits | $123.9M | |
| Loans and leases | $128.0M | |
| Total equity | $16.9M | |
| Loans / deposits | 102.28% (p93 of band) | 73.59% |
| Liquid assets / assets | 13.60% (p9 of band) | |
| Uninsured deposits / deposits | 14.64% (p30 of band) | 19.81% |
| Brokered deposits | 5.20% | |
| Wholesale funding | 14.79% (p91 of band) | |
| FHLB advances / assets | 9.59% | |
| Tier 1 leverage | 8.48% (p7 of band) | 11.76% |
| Unrealized securities loss / equity | -0.99% (p77 of band) | -6.57% |
| AOCI / equity | -0.11% (p63 of band) | |
| ROA (annualized) | 1.53% (p69 of band) | 1.17% |
| Net interest margin | 3.99% (p54 of band) | 3.93% |
| Efficiency ratio | 59.10% (p33 of band) | |
| Noncurrent loans | 0.84% (p66 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 120.73% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 6.67% (p32 of band) | |
| Auto loans | $233,000 (0.18% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.3% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2016-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-09 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-12 | 1 |  | noncurrent p90 |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | NIM <2.5% |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | NIM <2.5% |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | uninsured deposits leaving |  |
| 2019-12 | 1 | capital falling | uninsured deposits leaving |
| 2020-03 | 1 | reserve under noncurrent | capital falling |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | liquid assets <10% |  |
| 2022-12 | 2 | loans exceed deposits |  |
| 2023-03 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2023-06 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | liquid assets <10% |
| 2024-03 | 3 | liquid assets <10%, capital falling |  |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 | capital falling | liquid assets <10% |
| 2025-03 | 4 | wholesale funding >15%, liquid assets <10% |  |
| 2025-06 | 3 |  | capital falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 1 |  | wholesale funding >15%, liquid assets <10% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-10-16 [How this manmade wetland is helping Michigan fix its roads - MLive.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxNMWZLNlFkQjZmQ2ZiUk9ocGdxcmJMZFNzZHhLMEhSRTQ5SDB4UmJwczlwUVVtTXFlenhsZ3l1ZF82YWJWVXkwMmV2d0hqbkRCUi0xOUowWDcxMkp6U0NsaEJiYVNRY2lXRjRKSlozb19kcm9MY25FSFhTTFdsTFVlS1FsYXBBOUpVeWRPeVJPNEo1YlF4V251QTBiLUFiT25pUDQ3ZTZyNUJ6dWtiSEE?oc=5) · MLive.com
- 2022-06-24 [Karen Dehnke Obituary (2022) - Augusta, WI - Leader Telegram - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOa1lJdjJDQVEzckctd3l6Q3dBMzlYd2FSOWw1XzZCeU80TTZFSDhsbzhHXzhWd0JUdFJ2d2ktSnJ6SGVBSV9tQ01UMVlFOE0tUVhmelJQQ3V1Mlc4SUh2QlRXMGhsOGJ5bGV0TGxCQW9ZSERFZTRFT1dRNXhrVGtadm9wTHlMQ2xwRDBWMXVjbjF0ekhv?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13030 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/38.json (key "13030", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide