BlastPoint's Banking Scorecard

Community First Bank

$100M-$1B Specialty: Commercial WI FDIC cert 12512

Rosholt, WI

3 branches across WI

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

Community First Bank has 4 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

+ Delinquency Rate 0.89% below tier average
+ Non-Interest-Bearing Deposit Share 14.75% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.23% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 33.5% in tier
- Deposit Outflow: Bottom 40.7% in tier
- ROA 0.60% below tier average
- Efficiency Ratio 19.53% above tier average

Get updates when Community First Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$101.4M +2.6% YoY -4.7% QoQ	-$284.7M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	Bottom 0.6% in tier
Total Loans ?	$60.8M +2.9% YoY -3.6% QoQ	-$194.9M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	Bottom 5.2% in tier
Total Deposits ?	$83.4M -1.1% YoY -5.7% QoQ	-$244.6M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	Bottom 1.2% in tier
Return on Assets ?	0.67% +204.0% YoY +4.3% QoQ	-0.60%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	20%
Net Interest Margin ?	4.16% +6.0% YoY +0.5% QoQ	+0.23%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	66%
Efficiency Ratio ?	84.82% -5.8% YoY +0.6% QoQ	+19.53%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Bottom 10.2% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	72.92% +4.0% YoY +2.2% QoQ	-3.72%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	62%
Non-Interest-Bearing Deposit Share ?	36.77% -3.6% YoY -4.3% QoQ	+14.75%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	Top 7.9% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	10.49% +1.2% YoY +0.6% QoQ	-5.34%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.13% -5.5% YoY -75.6% QoQ	-0.15%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	65%

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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 (2)

Capital Thin

risk

#224 of 666 • Bottom 33.5% 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: 10.49%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#207 of 506 • Bottom 40.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 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).

Compare against:

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

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

211

Non-Interest-Bearing Deposit Share

funding

Value: 36.77%

Peer Median: 22.02%

#211 of 2664 Top 7.9% in $100M-$1B

Top Weaknesses (6 metrics)

2649

Total Assets

size

Value: $101.36M

Peer Median: $386.08M

#2649 of 2664 Bottom 0.6% in $100M-$1B

2634

Total Deposits

size

Value: $83.41M

Peer Median: $327.97M

#2634 of 2664 Bottom 1.2% in $100M-$1B

2527

Total Loans

size

Value: $60.82M

Peer Median: $255.72M

#2527 of 2664 Bottom 5.2% in $100M-$1B

2392

Efficiency Ratio

profitability

Value: 84.82%

Peer Median: 65.29%

#2392 of 2664 Bottom 10.2% in $100M-$1B

2237

Tier 1 Capital Ratio

capital

Value: 10.49%

Peer Median: 15.83%

#2237 of 2664 Bottom 16.1% in $100M-$1B

2141

Return on Assets

profitability

Value: 0.67%

Peer Median: 1.27%

#2141 of 2664 Bottom 19.7% in $100M-$1B