One Community Bank

What One Community Bank does

One Community Bank is a privately held, FDIC-insured community bank headquartered in Oregon, Wisconsin, providing personal and business banking products and services across 19 branch locations throughout Wisconsin. Founded in 1976 as Oregon Community Bank, the institution was reconstituted as One Community Bank in September 2020 through the merger of Oregon Community Bank and McFarland State Bank, forming a $1.3 billion-asset institution at that time. Since then it has expanded through the 2023 acquisition of Farmers State Bank (5 branches) and the 2025 acquisition of Intercity State Bank (3 branches), while also opening a de novo Cottage Grove branch in March 2024. Its product portfolio spans consumer deposits (checking, savings, money market, CDs, IRAs), consumer lending (mortgages including first-time homebuyer programs and Salute to Service for military members, home equity, auto, credit cards), business banking (business checking, savings, treasury management, business loans), and the PACE Loan Program for energy efficiency and renewable energy financing, in which it is the top lender in Wisconsin with over $10 million funded. Customer segments are individual consumers, small-to-medium businesses, and non-profit organizations across Wisconsin communities.

Underlying technology is standard community banking infrastructure: an iOS mobile app (id 6472083312), an Android app, a hosted online banking platform (routing number 075912275), standard 24/7 ATMs, and a differentiated Interactive Teller Machine (ITM) network at 8 locations that connects customers via two-way video to Client Support Specialists with extended hours (7:30 AM - 6:00 PM weekdays, 8:00 AM - 12:00 PM Saturdays). The bank uses no AI/ML capability of note and no proprietary technology beyond standard vendor-provided core banking, digital banking, and ITM platforms. The go-to-market is relationship-led, executed through local commercial banking officers, mortgage loan officers, retail bankers, and a Client Contact Center, supported by community events (Badger Tailgate, Winter ONE-derland, Free Community Shred Event), an annual OCB Scholarship Program, and hundreds of thousands of dollars in donations to local non-profits. Leadership is led by President and CEO Steve Peotter, with a C-suite including Chief Commercial Officer Dan Carey, EVP & Chief Strategy Officer Jeff Versluys, EVP & Chief Experience Officer Liz Deihs, Chief Credit Officer Mark Barberino, Chief Risk Officer Rick Lewis, Chief Sales Officer Steven Erickson, and Chief Mortgage Officer Roger Erickson, supported by an Advisory Board of regional business and non-profit leaders.

Revenue is generated primarily through net interest income on loans (mortgages, commercial loans, consumer loans, PACE financing) and deposits, with secondary fee income from deposit service charges, mortgage origination fees, and treasury management services. Specific pricing is not publicly disclosed; deposit and fee schedules are available via downloadable PDFs, and mortgage and refinance pricing are quoted upon application, with promotional lender credits of up to $1,000 for first-time homebuyers and up to $750 off refinancing closing costs.

Name

One Community Bank

Legal name

One Community Bank

Website

https://onecommunity.bank

Company type

Private

Founded year

1976

Operating status

Operating

Headcount range

101–250 employees

Short description

One Community Bank is a privately held, FDIC-insured Wisconsin community bank operating 19 branches across the state, offering consumer and business deposit accounts, mortgage and consumer lending, treasury management, and the top-ranked PACE energy-efficiency financing program in Wisconsin.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022), Personal Credit Institutions (6141)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Community banking services
• Commercial lending products
• Mortgage loan origination
• Treasury management solutions
• PACE energy financing

Headquarters

HQ city

Oregon

HQ country

United States

HQ region

North America

Offices18 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income from Lending: Primary revenue stream from interest earned on loans including mortgages, commercial loans, auto loans, home equity loans, and PACE financing for energy efficiency projects.
2. Deposit Services: Revenue from checking accounts, savings accounts, money market accounts, CDs, and IRAs. Includes account fees and service charges.
3. Mortgage Lending: Revenue from mortgage originations for home purchases, refinancing, and construction lending. Includes first-time homebuyer programs and construction loans.
4. Treasury Management Services: Cash management, treasury management, and business banking services for commercial clients.
5. PACE Loan Program: Property Assessed Clean Energy financing for energy efficiency, renewable energy, and water conservation improvements. One Community Bank is the top PACE lender in Wisconsin, having funded over $10 million in PACE loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels4 records

Core offering

One Community Bank is a Wisconsin-based community bank providing personal and business deposit products (checking, savings, money market, CDs, IRAs, debit and credit cards), consumer and commercial lending (mortgages, home equity, auto, business loans, PACE financing), and treasury management services, delivered through 19 branches, ITMs, mobile and online banking, and a client contact center. It serves individual consumers, small-to-medium businesses, non-profit organizations, and first-time homebuyers across south-central and central Wisconsin.

Product overview

One Community Bank offers a comprehensive suite of personal and business banking products through a unified banking platform. The core personal banking offerings include Checking, Savings, Money Market, CDs & IRAs, Debit Cards, and Credit Cards, while lending products encompass Mortgage Loans, Home Equity Loans, and Auto Loans. Business banking services include Business Checking, Business Savings, Non-Profit Accounts, Treasury Management, Business Loans, and the PACE Loan Program for energy efficiency financing. Digital Banking capabilities include online banking, mobile apps for iOS/Android, and Interactive Teller Machines (ITMs) with live video support. The bank also offers specialized mortgage programs like the 3% Down Payment Home Loan and Salute to Service for military members, along with Financial Tools including mortgage calculators. The product portfolio serves individual consumers, businesses, and non-profit organizations across 19 Wisconsin communities.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Personal checking accounts offering digital banking access, debit cards, and various checking account options including Hello! Checking, for individual consumers in Wisconsin.
• Personal Savings Accounts Personal savings accounts to help customers save money with competitive rates, for individual consumers.
• Money Market Accounts Money market deposit accounts offering competitive interest rates with limited check-writing privileges, for individual consumers seeking higher-yield savings.
• CDs and IRAs Certificate of Deposit (CD) accounts and Individual Retirement Accounts (IRAs) for term savings and retirement planning, for individual consumers.
• Debit Cards Personal debit cards for ATM access and point-of-sale transactions, linked to personal checking accounts.
• Mortgage Loans Home purchase and refinance loans including conventional mortgages, construction lending, and investor relations, with specialized programs such as the 3% Down Payment Home Loan and Salute to Service for military members.
• Home Equity Loans Home equity loans and lines of credit (HELOC) allowing homeowners to borrow against their home equity, for individual consumers in Wisconsin.
• Auto Loans Vehicle financing for new and used automobiles, for individual consumers.
• Credit Cards Credit card products for personal use, for individual consumers.
• Business Checking Accounts Business checking accounts designed for business operations with digital banking access, for businesses and commercial clients in Wisconsin.
• Business Savings Accounts Savings accounts for business owners to accumulate reserves, for businesses and commercial clients.
• Non-Profit Accounts Banking services designed for non-profit organizations, for Wisconsin non-profits and community organizations.
• Treasury Management Cash management and treasury services for business clients including deposit services, payment solutions, and liquidity management, for commercial clients in Wisconsin.
• Business Loans Commercial lending products including term loans, lines of credit, and commercial real estate financing, for businesses and commercial clients in Wisconsin.
• PACE Loan Program Property Assessed Clean Energy (PACE) financing program enabling property owners to obtain low-cost, long-term loans for energy efficiency, renewable energy, and water conservation improvements, for commercial and property-owning clients in Wisconsin.

Quantifiable outcome

• $10 million in PACE loans funded, resulting in well over $10 million of lifetime energy savings for property owners
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators5 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Nicolet National Bank: Wisconsin-headquartered community bank with comparable footprint and full personal/business banking and mortgage product set; serves many of the same markets and customer segments as OCB.
• Bank First Corporation: Wisconsin community bank with a similar relationship-driven, multi-branch model focused on consumer and small-business banking across Wisconsin communities.
• Citizens Community Federal (CCFNB): Wisconsin-based community bank providing personal, business, and mortgage banking across Wisconsin and Minnesota with a comparable community-focused positioning.
• First Business Financial Services: Madison-headquartered business bank offering commercial banking, treasury management, and specialty finance; directly comparable in commercial-segment focus to OCB's Wisconsin SMB franchise.
• Johnson Financial Group: Wisconsin and Southeast regional bank offering consumer, commercial, and wealth services with a community-bank feel; competes for the same SMB and retail relationships across Wisconsin.
• Waukesha State Bank: Long-standing Wisconsin community bank serving greater Milwaukee/Waukesha with similar deposit, mortgage, and commercial lending products targeting local consumers and businesses.
• Town Bank: Wisconsin community bank with a comparable mix of personal banking, commercial lending, and mortgage products serving small businesses and consumers across southeastern Wisconsin.
• Westbury Bank: Wisconsin-based community bank offering consumer, mortgage, and business banking products; competes in overlapping Wisconsin markets with a similar relationship-led approach.

Broad incumbents

• Associated Bank: Largest Wisconsin-headquartered bank and a broad incumbent; offers the full suite of personal, business, mortgage, and wealth products that OCB provides but at much greater scale and geographic reach.
• BMO Bank (formerly BMO Harris Bank): Major regional bank with deep Wisconsin branch presence and full consumer/commercial banking capabilities; a broad incumbent against which OCB competes on local relationship banking and community involvement.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/ocb_bank
• Facebookfacebook.com/onecommunitybank
• LinkedInlinkedin.com/company/onecommunitybank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about One Community Bank