One Community Bank (FDIC #22334): Bank Stress & Real-Estate Credit Exposure

One Community Bank (FDIC Cert #22334): bank stress 55/100, moderate, STABLE over 7 days; parent BOSSHARD FINANCIAL GROUP INC.

One Community Bank (#22334) lends in 6 counties across 1 state; One Community Bank (#22334) reaches 126 ZIP codes: Wisconsin 6 counties, 126 ZIPs.

One Community Bank (#22334) largest markets: Dane County, WI (368 branches, 46 ZIPs) (#22334), Marathon County, WI (87 branches, 29 ZIPs) (#22334), Vernon County, WI (54 branches, 18 ZIPs) (#22334), Juneau County, WI (30 branches, 15 ZIPs) (#22334), Adams County, WI (28 branches, 14 ZIPs) (#22334), Marquette County, WI (14 branches, 14 ZIPs) (#22334).

One Community Bank (#22334) reports $2.63 billion in total assets; One Community Bank (#22334) equity $332.5 million (12.7% of One Community Bank (#22334) assets); One Community Bank (#22334) domestic deposits $2.07 billion; One Community Bank (#22334) net income $17.1 million; One Community Bank (#22334) return on assets 1.33%; One Community Bank (#22334) return on equity 10.55%; One Community Bank (#22334) net interest income $43.8 million; One Community Bank (#22334) call report June 30, 2026.

One Community Bank (#22334) noncurrent real-estate loans: none reported; One Community Bank (#22334) net charge-offs on real estate 0.44%; One Community Bank (#22334) multifamily charge-offs 0.57%; One Community Bank (#22334) residential charge-offs 0.46%.

One Community Bank (#22334) net interest margin 3.57% against an eight-quarter One Community Bank (#22334) average of 3.11% (One Community Bank (#22334) compression -0.46 points); One Community Bank (#22334) non-residential real estate 46.3% of equity; One Community Bank (#22334) rate-exposure score 40/100, One Community Bank (#22334) fixed-rate trap 40/100; One Community Bank (#22334) risk type credit driven; One Community Bank (#22334) rate regime rates elevated, One Community Bank (#22334) snapshot October 20, 2026.

One Community Bank (#22334) stress score moved from 54.2 on June 22, 2026 to 54.6 on October 20, 2026; One Community Bank (#22334) ranged 54.2 to 54.6 over 117 snapshots.

One Community Bank (#22334) alerts: 6 counties; top One Community Bank (#22334) alert scores: Grand Marsh County, WI 20 (low); Oxford County, WI 20 (low); Readstown County, WI 20 (low); Waunakee County, WI 20 (low); Wausau County, WI 20 (low).