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Community First Bank

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

Boscobel, WI

10 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
  • Deposits -4.1% year over year ($522.4M on the books).
  • Delinquency rate 0.33%.
  • Return on assets 1.52%.
  • Efficiency ratio 62.78% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.63% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI
View $100M-$1B leaderboard (WI) →

Community First Bank has 3 strengths but faces 4 concerns

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 0.20% above tier average
  • + Efficiency Ratio 1.70% below tier average
  • + Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 14.1% in tier
  • - Capital Thin: Bottom 25.6% in tier
  • - Credit Quality Pressure: Bottom 34.1% in tier
  • - Net Interest Margin 0.08% below tier average
Get updates when Community First Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $634.1M
-0.1% YoY -0.6% QoQ
+$247.5M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
83%
Total Loans ? $395.1M
+2.8% YoY -2.0% QoQ
+$136.8M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
79%
Total Deposits ? $522.4M
-4.1% YoY -1.6% QoQ
+$195.7M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
82%
Return on Assets ? 1.52%
+31.5% YoY +1.5% QoQ
+0.20% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
66%
Net Interest Margin ? 3.91%
+8.6% YoY +0.6% QoQ
-0.08% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
48%
Efficiency Ratio ? 62.78%
-6.9% YoY +0.9% QoQ
-1.70% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
49%
Delinquency Rate ? 0.33%
+176.0% YoY +170.5% QoQ
-0.59% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
56%
Loan-to-Deposit Ratio ? 75.63%
+7.1% YoY -0.4% QoQ
-2.32% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
58%
Non-Interest-Bearing Deposit Share ? 31.09%
+5.9% YoY +6.7% QoQ
+9.06% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
84%
Nonperforming Asset Ratio ? 0.20%
+133.7% YoY +166.6% QoQ
-0.47% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
60%
Tier 1 Capital Ratio ? 10.95%
-19.6% YoY -23.6% QoQ
-4.96% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
23%
Non-Interest Income / Assets ? 0.27%
+11.2% YoY +123.0% QoQ
-0.30% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
66%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Noninterest-Bearing 31.1%
+1.7pp YoY
+1.9pp QoQ
 +8.9pp 22.1% 18.9% 22.2% 84%
Brokered Deposits n/a n/a 7.9% 9.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 9.3%
+1.0pp YoY
0.0pp QoQ
 -2.3pp 11.6% 10.5% 12.5% 48%
CRE 37.1%
+1.0pp YoY
-0.3pp QoQ
 -2.4pp 39.5% 46.4% 41.4% 48%
1-4 Family 18.7%
-0.5pp YoY
+0.2pp QoQ
 -14.0pp 32.6% 32.3% 31.3% 27%
Consumer 0.8%
-0.2pp YoY
0.0pp QoQ
 -3.3pp 4.1% 2.6% 5.0% 24%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.5% 19.7% n/a
Leverage Ratio 11.0%
+1.2pp YoY
+0.5pp QoQ
 -1.2pp 12.2% 12.6% 12.6% 49%
Total Capital Ratio n/a n/a 19.9% 16.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 104
-2 (-1.9%) YoY
0 QoQ
 +45 58 134 482 88%
Assets per Employee ($) $6.1M
+1.8% YoY
-0.6% QoQ
 -$1.4M $7.5M $8.2M $8.8M 35%
Branch Count 10
0 YoY
0 QoQ
 +5 4 9 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.3%
+0.2pp YoY
+0.2pp QoQ
 -0.6pp 0.9% 0.9% 1.0% 40%
Allowance Coverage 3.70x
-62.1% YoY
-62.3% QoQ
 -20.45x 24.15x 56.89x 20.23x 63%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 24%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 15.4%
+1.8pp YoY
0.0pp QoQ
 +3.2pp 12.2% 11.8% 11.6% 70%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.8% 1.7% 20%
Net Income ($, YTD) $4.8M
+34.6% YoY
— QoQ
 +$2.3M $2.6M $7.9M $40.4M 86%

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 (3)

Credit Risk Growth

risk
#133 of 936 • Bottom 14.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Capital Thin

risk
#170 of 661 • Bottom 25.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.95%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Credit Quality Pressure

risk
#429 of 1256 • Bottom 34.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.33%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

413
Non-Interest-Bearing Deposit Share
funding
Value: 31.09%
Peer Median: 22.03%
#413 of 2643 Top 15.6% in $100M-$1B
450
Total Assets
size
Value: $634.08M
Peer Median: $386.57M
#450 of 2643 Top 17.0% in $100M-$1B
476
Total Deposits
size
Value: $522.44M
Peer Median: $326.73M
#476 of 2643 Top 18.0% in $100M-$1B
557
Total Loans
size
Value: $395.12M
Peer Median: $258.35M
#557 of 2643 Top 21.0% in $100M-$1B

Top Weaknesses (1 metrics)

2047
Tier 1 Capital Ratio
capital
Value: 10.95%
Peer Median: 15.91%
#2047 of 2643 Bottom 22.6% in $100M-$1B
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