# OAK BANK
FITCHBURG, WI · FDIC certificate 35333 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $486.3M | |
| Deposits | $419.6M | |
| Loans and leases | $381.0M | |
| Total equity | $52.7M | |
| Loans / deposits | 89.32% (p69 of band) | 82.04% |
| Liquid assets / assets | 18.77% (p28 of band) | |
| Uninsured deposits / deposits | 42.66% (p90 of band) | 25.97% |
| Brokered deposits | 3.58% | |
| Wholesale funding | 3.58% (p51 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.28% (p71 of band) | 10.81% |
| Unrealized securities loss / equity | -11.03% (p40 of band) | -8.10% |
| AOCI / equity | -0.24% (p57 of band) | |
| ROA (annualized) | 1.28% (p50 of band) | 1.28% |
| Net interest margin | 3.68% (p37 of band) | 3.91% |
| Efficiency ratio | 56.73% (p35 of band) | |
| Noncurrent loans | 0.04% (p16 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p23 of band) | |
| Reserve coverage of noncurrent | 4050.97% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 54.37% (p60 of band) | |
| Auto loans | $275,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 43 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 3 | charge-offs p90, uninsured deposits leaving |  |
| 2012-12 | 1 |  | charge-offs p90, uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 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 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | loans exceed deposits |  |
| 2018-03 | 3 | wholesale funding >15%, capital falling |  |
| 2018-06 | 1 |  | loans exceed deposits, capital falling |
| 2018-09 | 0 |  | wholesale funding >15% |
| 2018-12 | 1 | uninsured deposits leaving |  |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | uninsured deposits leaving |  |
| 2023-12 | 2 | brokered >10% |  |
| 2024-03 | 2 | wholesale funding >15% | uninsured deposits leaving |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | wholesale funding >15% |
| 2024-12 | 0 |  | brokered >10% |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2025-11-25 [MBB Fan Guide: Live Oak Bank Holiday Classic - UNC Wilmington Athletics](https://news.google.com/rss/articles/CBMipwFBVV95cUxNWFQteHREV0JicklNUmNEZEpybml0YUlCckllWjdRUlo2WEhaVHlJZU9ra3FWbWF1czVuNk56SllPOFkyZ1EwdldWZUMweHJzZk5TbnpfSVhhU0xJbDdsdW1ycW1GMHpBNUdVc0JsZkV1Q2J1aGhaRVU2cUswSjNQR2xGZ19fZ3dCLVRuajdpSlBiSUJlTE0tU0JZMGZRZDg4NzR5VEVrNA?oc=5) · UNC Wilmington Athletics
- 2026-08-03 [Live Oak Bank – $300 Bonus - Best Wallet Hacks](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9FUU01SXgxaHRKdnRWM2NNUGFtLW4tVU93RlMwdUp6eEw5TU93RFJxZDZITG55VWJtQWxpVzNzVzh0SHZBZXBLVG5zNTE1Rkt1ZWZ6Y24weEl1c1pqMzdEZFlUM1g?oc=5) · Best Wallet Hacks
- 2026-07-13 [SBA Lenders: Best Options for 2026 - NerdWallet](https://news.google.com/rss/articles/CBMia0FVX3lxTE5DdWRnc194MzUtMzRmYTk0Si1FZ0NvT180RXJJMjFNc0tnMWNuMU1tQ1hVNGxqdlNqeFY1a3gxQ0tNcFBvNGFwVUdYX0ZMd1FUSmkwd29NbERwdFQ5ZUZjOXlucEwyUHg0UjU4?oc=5) · NerdWallet
- 2026-02-02 [Ella Langley announces summer concert at Live Oak Bank Pavilion - WBAY](https://news.google.com/rss/articles/CBMioAFBVV95cUxQZTkxZ3F0Nl9nbG1iR3VmSjlMZG1ITVlFeWZfUFFVLTFGREF6VHB6U2F6ZEhseEdCeGd1cHZJdGc0bVNHZk9aNXRLSFJiYzRUQ19QeFZEN1loVGI0T1g1dUVCblFHb2pkWU1wd2lQeW5MZldwRGJoWGEyOXRHVDluTXZwU2gyRkYyVTF1cEtwUHFRUTVHRmJSdWl6WWFuNl9G?oc=5) · WBAY
- 2026-06-11 [Jelly Roll Concert Setlist: Discover the Average Song List - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiXkFVX3lxTE0tcHU2XzAyVTB0SnJwLXpzYTQ4VDhJdGJMNXVZaU02RmZMMTEtbFQxRTE1YnpZSUxyZzBqRkZZcFp1WjZkU0FxSGdhVlRjWms2aEJLQ0luNUl2aUlVU2c?oc=5) · Ticketmaster Blog
- 2026-06-25 [New Ella Langley ‘Dandelion Tour’ tickets are selling fast: Best presale options now - Cleveland.com](https://news.google.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?oc=5) · Cleveland.com
- 2017-08-27 [The Best Banks to Work For - American Banker](https://news.google.com/rss/articles/CBMid0FVX3lxTE5BM2d2X3M1SkZJY0RCSFRUcFA4amRoS0ROeUtIazhCR04yNXJkb1J2dEhUcGlzM3A3Qml6MFdZMlVQWW1nZUZ0WXBHR0VLbDhqYlRmdTE5TU42TUxIdldjLXVBQUlaaUwwblF0dWlPVmlDM0hxTkxB?oc=5) · American Banker
- 2024-11-26 [Mountaineers Trek to Wilmington for Live Oak Bank Holiday Classic - App State Athletics](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOQmRzdVBNVkc0QjJtNndSaGxTVmxqSzFCS0hTdkZKMnRxTHlVYzN0TDBDMzgzaGF3b0x1U0JrX3EycHZvRHFNOU85RzNMU1pNSGRuSjFOazkzWENUUWEtYXZGeFVLTjQ4M3ZDWkxuQTdoMG53ZkZULTYwTlZhUTZ0bTAwbzNLampDUUZZTDc1bjQ4R0NNMTFyS0JWWjdMZDVFYXlmWG9PVWo5M2dHVjkyWGxhLWV0a2d0bVRYMEV2ZFc1cDZZQlNqMw?oc=5) · App State Athletics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35333 (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/5.json (key "35333", 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