Oakwood Bank (FDIC #13030): Bank Stress & Real-Estate Credit Exposure

Oakwood Bank (FDIC Cert #13030): bank stress 57/100, moderate, STABLE over 7 days; parent PF INVESTORS INC.

Oakwood Bank (#13030) lends in 3 counties across 2 states; Oakwood Bank (#13030) reaches 40 ZIP codes: Wisconsin 2 counties, 26 ZIPs; Minnesota 1 county, 14 ZIPs.

Oakwood Bank (#13030) largest markets: Eau Claire County, WI (30 branches, 15 ZIPs) (#13030), Winona County, MN (14 branches, 14 ZIPs) (#13030), Trempealeau County, WI (14 branches, 14 ZIPs) (#13030).

Oakwood Bank (#13030) reports $156.4 million in total assets; Oakwood Bank (#13030) equity $16.9 million (10.8% of Oakwood Bank (#13030) assets); Oakwood Bank (#13030) domestic deposits $123.9 million; Oakwood Bank (#13030) net income $1.2 million; Oakwood Bank (#13030) return on assets 1.53%; Oakwood Bank (#13030) return on equity 14.06%; Oakwood Bank (#13030) net interest income $2.8 million; Oakwood Bank (#13030) call report June 30, 2026.

Oakwood Bank (#13030) noncurrent real-estate loans: none reported; Oakwood Bank (#13030) net charge-offs on real estate 1.15%.

Oakwood Bank (#13030) net interest margin 3.99% against an eight-quarter Oakwood Bank (#13030) average of 3.86% (Oakwood Bank (#13030) compression -0.13 points); Oakwood Bank (#13030) rate-exposure score 40/100, Oakwood Bank (#13030) fixed-rate trap 40/100; Oakwood Bank (#13030) risk type credit driven; Oakwood Bank (#13030) rate regime rates elevated, Oakwood Bank (#13030) snapshot October 19, 2026.

Oakwood Bank (#13030) stress score moved from 58 on June 22, 2026 to 57 on October 20, 2026; Oakwood Bank (#13030) ranged 57 to 58 over 117 snapshots.

Oakwood Bank (#13030) alerts: 3 counties; top Oakwood Bank (#13030) alert scores: Eau Claire County, WI 39 (moderate); Pigeon Falls County, WI 20 (low); Rollingstone County, WI 20 (low).