BlastPoint's Banking Scorecard

Community First Bank

$100M-$1B Specialty: Agricultural WI FDIC cert 11595

Boscobel, WI

10 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in WI

Community First Bank demonstrates 3 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.23% above tier average
+ Efficiency Ratio 3.05% below tier average
+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$637.6M +1.6% YoY +0.3% QoQ	+$251.6M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$403.2M +2.2% YoY +1.7% QoQ	+$147.5M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	80%
Total Deposits ?	$530.9M -2.0% YoY +0.0% QoQ	+$203.0M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	82%
Return on Assets ?	1.50% +39.9% YoY +21.7% QoQ	+0.23%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	67%
Net Interest Margin ?	3.89% +11.5% YoY +5.1% QoQ	-0.04%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	51%
Efficiency Ratio ?	62.24% -9.7% YoY -5.8% QoQ	-3.05%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	53%
Delinquency Rate ?	0.12% -8.4% YoY +3.9% QoQ	-0.77%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	72%
Loan-to-Deposit Ratio ?	75.94% +4.3% YoY +1.6% QoQ	-0.70%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	55%
Non-Interest-Bearing Deposit Share ?	29.15% +5.2% YoY -8.3% QoQ	+7.14%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	80%
Nonperforming Asset Ratio ?	0.08% -7.8% YoY +5.3% QoQ	-0.56%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	74%
Tier 1 Capital Ratio ?	14.34% +8.4% YoY +1.4% QoQ	-1.49%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.12% -2.5% YoY -76.5% QoQ	-0.16%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	62%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

447

Total Assets

size

Value: $637.64M

Peer Median: $386.08M

#447 of 2664 Top 16.7% in $100M-$1B

474

Total Deposits

size

Value: $530.94M

Peer Median: $327.97M

#474 of 2664 Top 17.8% in $100M-$1B

541

Total Loans

size

Value: $403.19M

Peer Median: $255.72M

#541 of 2664 Top 20.3% in $100M-$1B

543

Non-Interest-Bearing Deposit Share

funding

Value: 29.15%

Peer Median: 22.02%

#543 of 2664 Top 20.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available