One Community Bank
Oregon, Wisconsin, Dane County
$2.6B in total assets, the 494th largest of 4,309 US banks and 10th of 155 headquartered in Wisconsin.
- FDIC certificate
- 22334
- Established
- 1976
- Owned by
- Bosshard Financial Group Inc
- Primary regulator
- FED
- Website
- www.onecommunity.bank
At a glance
Compared with 29 banks headquartered in Wisconsin with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.6B | 76% | $1.7B | |
| Loans | $2.2B | 79% | $1.3B | |
| Deposits | $2.1B | 72% | $1.4B | |
| Return on assets | 1.44% | 72% | 1.22% | |
| Net interest margin | 3.57% | 41% | 3.75% | |
| Efficiency ratio | 50.4% | 21% | 60.3% | |
| Equity to assets | 12.65% | 69% | 10.46% | |
| Loans to deposits | 108% | 79% | 94% |
Growth
Total assets grew 11.4% a year over the last 5 years and 26.9% a year over 10 years, including 4 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Aug 2025 | Intercity State Bank Schofield, WI | $260M |
| Sep 2023 | Farmers State Bank Hillsboro, WI, an affiliate under the same holding company | $210M |
| May 2020 | McFarland State Bank Mc Farland, WI, an affiliate under the same holding company | $585M |
| Sep 2018 | Grand Marsh State Bank Grand Marsh, WI, an affiliate under the same holding company | $121M |
Where they operate
19 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Dane County, WI | $1.5B | 5.7% | 7 of 33 |
| Marathon County, WI | $212M | 4.0% | 8 of 17 |
| Vernon County, WI | $182M | 26.2% | 1 of 7 |
| Adams County, WI | $137M | 39.4% | 1 of 5 |
| Juneau County, WI | $25M | 4.2% | 4 of 4 |
| Marquette County, WI | $22M | 9.7% | 4 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 17 branches since 2016 (2 to 19, +850.0%). 2 opened, 16 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 2 | |||
| 2016 | Opened Waunakee | 1 | 0 | +1 | 3 |
| 2018 | Acquired Grand Marsh State Bank | 3 | 0 | +3 | 6 |
| 2020 | Acquired McFarland State Bank | 5 | 0 | +5 | 11 |
| 2021 | Closed Oregon | 0 | 1 | −1 | 10 |
| 2023 | Acquired Farmers State Bank | 5 | 0 | +5 | 15 |
| 2024 | Opened Cottage Grove | 1 | 0 | +1 | 16 |
| 2025 | Acquired Intercity State Bank | 3 | 0 | +3 | 19 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 46% | 31% | |
| 1-4 family residential | 17% | 23% | |
| Multifamily | 15% | 14% | |
| Construction and land | 13% | 8% | |
| Business (C&I) | 5% | 12% | |
| Farmland | 2% | 2% | |
| Consumer | 0% | 3% | |
| Agricultural | 0% | 4% | |
| Other | 1% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 49% | 52% | |
| Time deposits | 33% | 29% | |
| Noninterest-bearing | 18% | 19% |
Brokered deposits are 11.0% of deposits (peers 6.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.58% | 0.34% |
| Net charge-offs, annualized | 0.00% | 0.02% |
| Reserves to loans | 1.05% | 1.07% |
| Leverage ratio | 12.78% | 10.74% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Wisconsin
Largest competitors in Dane County, WI
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/one