# ONE COMMUNITY BANK
OREGON, WI · FDIC certificate 22334 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $2.63B | |
| Deposits | $2.07B | |
| Loans and leases | $2.23B | |
| Total equity | $332.5M | |
| Loans / deposits | 106.69% (p94 of band) | 87.10% |
| Liquid assets / assets | 12.61% (p12 of band) | |
| Uninsured deposits / deposits | 26.99% (p37 of band) | 30.76% |
| Brokered deposits | 8.64% | |
| Wholesale funding | 16.74% (p84 of band) | |
| FHLB advances / assets | 8.10% | |
| Tier 1 leverage | 12.78% (p83 of band) | 10.50% |
| Unrealized securities loss / equity | -4.76% (p65 of band) | -7.75% |
| AOCI / equity | -0.22% (p56 of band) | |
| ROA (annualized) | 1.33% (p57 of band) | 1.26% |
| Net interest margin | 3.57% (p42 of band) | 3.70% |
| Efficiency ratio | 50.43% (p25 of band) | |
| Noncurrent loans | 0.58% (p55 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p30 of band) | |
| Reserve coverage of noncurrent | 181.90% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 90.16% (p83 of band) | |
| Auto loans | $3.4M (0.15% of loans; DQ 4.17%, NCO 0.00%) | |
| Loans to nondepository financials | $200,000 (0% of equity) (p72 of band) | |
| Deposits YoY | 18.6% | |
| Employees | 281 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 | losing money | brokered >10% |
| 2011-09 | 3 |  | wholesale funding >15% |
| 2011-12 | 3 |  |  |
| 2012-03 | 5 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90, losing money |
| 2012-06 | 3 |  | reserve under noncurrent, assets shrinking |
| 2012-09 | 4 | assets shrinking |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2013-06 | 1 |  | assets shrinking |
| 2013-09 | 1 | capital falling | charge-offs p90 |
| 2013-12 | 2 | reserve under noncurrent |  |
| 2014-03 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10% | capital falling |
| 2014-06 | 4 |  | liquid assets <10% |
| 2014-09 | 3 |  | reserve under noncurrent |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 4 | capital falling |  |
| 2015-09 | 3 |  | capital falling |
| 2015-12 | 3 | liquid assets <10% | brokered >10% |
| 2016-03 | 4 | brokered >10% |  |
| 2016-06 | 3 |  | brokered >10% |
| 2016-09 | 4 | capital falling |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 3 |  | capital falling |
| 2017-06 | 2 |  | wholesale funding >15% |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | construction >100% equity |  |
| 2018-06 | 1 |  | liquid assets <10%, construction >100% equity |
| 2018-09 | 1 | uninsured deposits leaving | loans exceed deposits |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | loans exceed deposits |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 3 | liquid assets <10%, capital falling |  |
| 2020-12 | 3 | construction >100% equity | liquid assets <10% |
| 2021-03 | 3 |  |  |
| 2021-06 | 0 |  | loans exceed deposits, capital falling, construction >100% equity |
| 2021-09 | 1 | loans exceed deposits |  |
| 2021-12 | 0 |  | loans exceed deposits |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 3 | loans exceed deposits, wholesale funding >15%, construction >100% equity | capital falling |
| 2022-09 | 4 | liquid assets <10% |  |
| 2022-12 | 5 | brokered >10%, capital falling, uninsured deposits leaving | construction >100% equity, liquid assets <10% |
| 2023-03 | 4 |  | uninsured deposits leaving |
| 2023-06 | 5 | construction >100% equity |  |
| 2023-09 | 2 |  | brokered >10%, capital falling, construction >100% equity |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | brokered >10% |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | brokered >10% |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-05-11 [One Community Bank adds to newly formed Wausau Advisory Committee - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMirwFBVV95cUxNQkFja2pYUWFvZ1AxRmZpOTJsNlJsd3czNkotaU1RX1Y4c2Z6ak1wdV9qUnNJd3BBaS03enIwbGVDMzJyTTF5M1dqM0JteXR2Q1dETkdTMXZvbUprdTNTT3c1ZW83ZXUxY1oyZUNwbEJBaEtGRjl3MEN5VGszNmJ1OEJOeTFCcWF5N01RNHNIVHdsdEdZMmdJMDFLQllyZmRGV2xVVUp6RHFKTzJSbWRN?oc=5) · Wausau Pilot &amp; Review
- 2026-07-20 [One Community Bank launches Wausau advisory committee - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMinwFBVV95cUxNa1p4R3BleHdTUkh1d1ZqOG9nSXM3RHctLXN4dmRCYTRwQ3dVcmR6SUVHa3MzazluSGJBaXRFTkxVd1UwZGFMSjBHcjZ1RnR2b0tGSndqR003WlRWUUtMNU90T1JBSHB0SXNPY0VRTXUySTA3Q05oZXI3TEVneHE0dXo0WC1SelBTYmJ3QUZMLU5XVW9MMnQxYXlVRm15U3c?oc=5) · Wausau Pilot &amp; Review
- 2026-06-22 [One Community Bank continues to fill out advisory committee - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNRlNOdV9GY25mYTVQc2JvRnduZkFva0FKQlNtYnRhU2xuajRNWVQwbnlCY3hlay1pUU1vQTZPWmQ3dGJmclFHRllLWkNYbnpBdlAtNU12T1RmY25OdGJKU2tsMG9reENxRjFaYWY3SlFSRnVqRXB4NzY5SUw5UUx0czF0bi1pb1l2WlhJb2U0dlA1djhweUUxRFNqZXozLW1ZbjdEV1N1c0JWZw?oc=5) · Wausau Pilot &amp; Review
- 2020-10-19 [Two banks become ‘One Community Bank’ - Oregon Observer](https://news.google.com/rss/articles/CBMiygFBVV95cUxOTVJGSDFOX2pIeWt3LTNyLWM5OWpEbEtqTHdncVFDNUN5Y0JZWTkwdm1nWjdvQm9yM0pDRjJjMjJkNE1CTlAwa1J5WDZlb3g1ZklYUVcteTVuaXcwYWVpOE4tMG9SWnhFNjM3My1rTVN6OEZ5blpwSjJ0NThibi1VejhITWprbUZ5bHRhRUVQLUF3UEd1ZkkyT1I0RGJUSWdndWg2R2ZEQklLTzJhWE1TbG9lOGJZYUx4MmM1ZUZ1R0Z5cXUxWjZNSUhn?oc=5) · Oregon Observer
- 2022-11-09 [One Community Bank names Melissa Lewis as Sun Prairie bank manager - hngnews.com](https://news.google.com/rss/articles/CBMigAJBVV95cUxQZXBlZWhzWkREbVRtU1Z1NExJbGRCT0lJbDdhdGR4ZDFjTUU2Q1RPS3dIdHVKR0FWeEdaMmRDOVVzSGxkNHlGdmIyaXpTWXF0bkJXM19YMnhNTGlNbU0temlSWUpyNWUzNEFmN2lpajBaZ2tWOG9makxqQmJyM2lKS0pRaDhCbXZUZkx6WDFzQ2MybnE1eHhnQ3ZvNWhRclNqR2NPTWtWQllTOHdXaUVucXdHZTZkeldKRTI4QkxqMHVUNlhMdGg4UHhlbnZrWFQxdmxBWXZCNzZrNU1ncUpnRGJyNWxONl9Vd1ExZFB1OVk5U3Z6V3NqLXhfS0h5ZDVy?oc=5) · hngnews.com
- 2025-08-01 [Intercity State Bank merges with One Community Bank in Schofield - waow.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQOVpCOFo0QzlPTHVCMkw1SHJHQl9sSU1CSHVvVmRVeEQyb2JjLXVmeXE5bUc0emR4cDZjQ3dGY0RPd2JWdHZQVDNWMG9CQWNCM3R1cFpreF9QM1o2LUdQcnk2WmdFeC1vNkJPLTNwSk9YT1laM20tcUZqM0xQaVNraU4wdEVxVlhTeVplUWRvUHk1cnp5Uk1xdG16TFcwZnNXOEt1b2YwZ0tuX1JmbjlHMmxMekcwb2ZpZ2tacnlIaHJkZGxmeXBvR2hjQktuS0RBdENiWV9HZw?oc=5) · waow.com
- 2024-06-24 [One Community Bank donates $30k to Sun Prairie Public Library Foundation - wkow.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOekpjSjh0S3Y3UmdKUl9OOUlZTWE3Z1VESWI0SXE4emN3amdiMXY3cGxkWkdwWVYxek5zM1E3Q2hvUlVfaUo1bXV2Mm1oSHh5WURCYjJaaElObnE3NDc5NmpkYVBLM0pGZlRUUjlEcUNHVW1ldU5MaTBQaG16dkgwUFQybnh1bEl3QjUyVEJwUHl3QVY4WC01ODZMalFEUUVqeEtaSDExaGsxSW9MZDNKczR1ZFpWZ0xSWm4xelZiVnFnSlYtV05uVlNpdmZnaDh0cWpMSlI2ZGR3OWRxQ1NDTA?oc=5) · wkow.com
- 2022-07-14 [One Community Bank in Sun Prairie hires Holly Brickson - hngnews.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxOekhFRW1FMVVFTVV1V3gxdVM2SXNrLWFhcTV2ak55MUdtUHJ5VHlSWXliSU8zdXBTd1lDRDVhcHlybF81LVA4Wml0V19JeVlXNG5RVlZMNXJST2ZpNF9sSnNteGxEdTY5cnkwNDNYaTdIRDFzOFlEUHMzOW1GMHJzTloxX0xfX2xTRDh6d1VRZGx3Yk5yUFMwT1l1UF85cXdaUENoYjNKRGtJSURvQWxqdkJpcmhFeEpkc0VPNnBjMkpRdk9mZ293eVNpWEViQWJoODFwd0tUUGs5UEpfb1AwaExVM2Z3dzdpTWJPNzdiUHQ?oc=5) · hngnews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22334 (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/62.json (key "22334", 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