One Community Bank
One Community Bank reported total assets of $2.6 bn at Q2 2026, up 17.7% on a year earlier, the 476th largest of 497 banks in our US coverage. One Community Bank uses the community bank leverage ratio framework, with a leverage ratio of 12.78%, and the uninsured share of One Community Bank was 26.99%. Source: FDIC Call Reports.
Key takeaways
- On net interest margin, One Community Bank climbed from 391st to 268th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , One Community Bank has taken over 4 institutions; the latest was Intercity State Bank on (FDIC Call Reports).
- One Community Bank has one of the highest loan-to-deposit ratio readings among banks of $1 bn to $10 bn: 106.69% at , against a median of 88.61% across 339 banks (FDIC Call Reports).
What sets One Community Bank apart
How large is One Community Bank?
The balance sheet of One Community Bank at : assets $2.6 bn, deposits $2.1 bn, net loans $2.2 bn (loans equal to 106.69% of deposits). Securities make up 9.9% of total assets at One Community Bank. Since , when One Community Bank held $235.0 mn, its assets grew 1,018.2%. In the year to , deposits at One Community Bank rose 18.6% while its total assets rose 17.7%. At , One Community Bank employed 281 full-time equivalent staff across 20 offices, about $9.4 mn of assets per employee and $103.3 mn of deposits per office.
How much funding at One Community Bank is uninsured?
At One Community Bank, uninsured deposits (above the FDIC limit) made up 26.99% of domestic deposits at (-0.22 pp on a year earlier); One Community Bank ranks 353rd of 500 on this measure. In dollars, One Community Bank estimated $557.5 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.1 bn | +18.6% | 491st of 499 |
| Net loans and leases | $2.2 bn | +18.2% | 409th of 500 |
| Loan-to-deposit ratio | 106.69% | -0.36 pp | 30th of 500 |
| Net interest margin | 3.57% | +0.59 pp | 268th of 500 |
| Return on assets (ROA) | 1.33% | +0.42 pp | 232nd of 500 |
| Efficiency ratio | 50.43% | -6.57 pp | 146th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $2.7 mn | Narrowed by $1.2 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $13.1 mn | Narrowed by $1.9 mn | |
| Noncurrent loans to total loans | 0.58% | +0.15 pp | 233rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | +0.00 pp | 81st of 500 (1 = lowest) |
US rank of One Community Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
One Community Bank: assets, deposits and loans
- Total assets $2.6bn
- Deposits $2.1bn
- Net loans $2.2bn
Capital and securities
One Community Bank uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 12.78% in . Equity capital of One Community Bank at : $332.5 mn, or 12.7% of total assets.
On held-to-maturity securities, One Community Bank carried an unrealized loss of $2.7 mn at , equal to 0.8% of equity capital. The loss narrowed by $1.2 mn over the year. Its deepest point: $9.3 mn in . The available-for-sale portfolio of One Community Bank showed an unrealized loss of $13.1 mn at ; the loss narrowed by $1.9 mn over the year.
One Community Bank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 13%
One Community Bank: unrealized securities gains and losses
- Available for sale -$13mn
- Held to maturity -$3mn
Profitability and loan quality
For the year to , One Community Bank earned a return on equity of 10.55%; return on assets: 1.33%. Net interest margin at One Community Bank: 3.57%, +0.59 pp in a year. One Community Bank net income: $17.1 mn, up 71.9% year on year. The efficiency ratio of One Community Bank was 50.43%: about 50 cents cost per revenue dollar, against 57 cents at the median peer.
At , noncurrent loans were 0.58% of total loans at One Community Bank; net charge-offs: 0.00% of average loans. Gross loans and leases at One Community Bank: $2.2 bn, up 18.2% in a year.
One Community Bank: profitability
- Return on equity 11%
- Net interest margin 3.6%
- Return on assets 1.3%
Peer group of One Community Bank
The peer group of One Community Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of One Community Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Wisconsin. Against them, One Community Bank shows return on equity 10.55% against a peer median of 11.23% and uninsured deposit share 26.99% against a peer median of 29.62%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Machias Savings Bank | State-chartered stock savings bank | ME | $2.7 bn | 14.01% | 8.83% | 16.38% | |
| Avidbank | State nonmember bank | CA | $2.7 bn | 11.83% | 11.72% | 39.51% | |
| FCB Banks | State nonmember bank | IL | $2.6 bn | 12.08% | 21.98% | 19.72% | |
| One Community Bank | State member bank | WI | $2.6 bn | not reported | 10.55% | 26.99% | |
| Republic Bank of Chicago | State nonmember bank | IL | $2.6 bn | not reported | 10.73% | 43.58% | |
| North Shore Bank | State-chartered stock savings bank | WI | $2.6 bn | not reported | 6.72% | 11.80% | |
| Fidelity Bank & Trust | State nonmember bank | IA | $2.6 bn | 10.67% | 12.72% | 41.01% | |
. FDIC Call Reports.
Last eight quarters
Two years at One Community Bank, to : assets +20.5%, deposits +22.8%, equity +40.6%. Staff 217 to 281; offices 17 to 20.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.2 bn | $2.2 bn | $2.2 bn | $2.2 bn | $2.5 bn | $2.6 bn | $2.5 bn | $2.6 bn |
| Total deposits | $1.7 bn | $1.7 bn | $1.7 bn | $1.7 bn | $2.0 bn | $2.0 bn | $2.0 bn | $2.1 bn |
| Bank equity capital | $236.5 mn | $236.0 mn | $241.2 mn | $247.6 mn | $312.3 mn | $318.3 mn | $323.2 mn | $332.5 mn |
| Return on equity (ROE) | 7.80% | 7.83% | 7.68% | 8.25% | 9.16% | 9.40% | 10.05% | 10.55% |
| Uninsured share of domestic deposits | 28.59% | 26.75% | 26.89% | 27.21% | 27.16% | 28.51% | 26.99% | 26.99% |
| Full-time equivalent employees | 217 | 230 | 222 | 234 | 251 | 264 | 259 | 281 |
| Number of offices | 17 | 17 | 17 | 17 | 20 | 20 | 20 | 20 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of One Community Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Grand Marsh State Bank (FDIC certificate 15185).
- . Absorbed McFarland State Bank (FDIC certificate 2476).
- . Absorbed Farmers State Bank (FDIC certificate 15126).
- . Absorbed Intercity State Bank (FDIC certificate 17128).
Large one-quarter moves at One Community Bank
- Total assets at One Community Bank changed by +28.3% in the quarter to 2018-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Grand Marsh State Bank.
- Total assets at One Community Bank changed by +109.4% in the quarter to 2020-06-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from McFarland State Bank.
Questions and identifiers
What were the total assets of One Community Bank?
One Community Bank reported $2.6 bn at in its Call Report. That makes One Community Bank the 476th largest of 497 banks in our US coverage.
Is One Community Bank the same as its holding company?
No. This page covers One Community Bank, FDIC certificate 22334; BOSSHARD FINANCIAL GROUP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is One Community Bank profitable?
One Community Bank reported net income of $17.1 mn for the year to ; annualized return on equity: 10.55%. So yes: One Community Bank made a profit over these months.
When is data for One Community Bank next updated?
Figures from One Community Bank for are due after .
Where can I check the figures for One Community Bank?
In the FDIC BankFind Suite record for certificate 22334, and in the Call Reports of One Community Bank (RSSD ID 247140) at the FFIEC Central Data Repository.