BlastPoint's Banking Scorecard
Community First Bank
Designations: ✓ Community bank
Rosholt, WI
3 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 536 banks in the under $100M peer group nationwide — 1 of 12 in WI.
- Deposits -0.6% year over year ($84.7M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.70%.
- Efficiency ratio 84.66% vs a 119.40% peer average.
- Loan-to-deposit ratio 73.99% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community First Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Non-Interest-Bearing Deposit Share 14.73% above tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Net Interest Margin 0.41% above tier average
- + Efficiency Ratio 34.74% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.30% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$97.6M
-3.0% YoY
-3.7% QoQ
|
+$35.2M |
$62.4M
-0.0% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
Top 2.8% in tier |
| Total Loans ? |
$62.6M
-1.5% YoY
+3.0% QoQ
|
+$27.8M |
$34.9M
-0.6% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
Top 11.0% in tier |
| Total Deposits ? |
$84.7M
-0.6% YoY
+1.5% QoQ
|
+$33.1M |
$51.6M
-0.2% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
Top 3.5% in tier |
| Return on Assets ? |
0.70%
+85.2% YoY
+3.8% QoQ
|
-0.30% |
1.00%
+3.5% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
35% |
| Net Interest Margin ? |
4.32%
+8.4% YoY
+3.9% QoQ
|
+0.41% |
3.91%
+2.3% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
67% |
| Efficiency Ratio ? |
84.66%
-4.7% YoY
-0.2% QoQ
|
-34.74% |
119.40%
+49.6% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
23% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.48% |
1.48%
+31.8% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
73.99%
-0.9% YoY
+1.5% QoQ
|
-0.22% |
74.21%
+12.6% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
38.22%
+0.5% YoY
+3.9% QoQ
|
+14.73% |
23.49%
+0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
Top 9.9% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.84% |
0.84%
+23.0% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
11.02%
+4.4% YoY
+5.1% QoQ
|
-16.11% |
27.13%
+3.0% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
Bottom 12.7% in tier |
| Non-Interest Income / Assets ? |
0.27%
+5.1% YoY
+114.1% QoQ
|
-1.11% |
1.38%
+6.3% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
80% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
38.2%
+0.2pp YoY +1.5pp QoQ |
+13.6pp | 24.6% | 18.9% | 22.2% | 89% |
| Brokered Deposits |
3.9%
+2.8pp YoY -0.1pp QoQ |
-5.8pp | 9.8% | 9.2% | 8.5% | 36% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.2%
-0.9pp YoY -0.3pp QoQ |
-8.2pp | 13.4% | 10.5% | 12.5% | 22% |
| CRE |
45.2%
-2.9pp YoY +1.1pp QoQ |
+20.0pp | 25.2% | 46.4% | 41.4% | 87% |
| 1-4 Family |
40.5%
+3.8pp YoY -0.4pp QoQ |
+5.5pp | 35.0% | 32.3% | 31.3% | 63% |
| Consumer |
1.7%
0.0pp YoY 0.0pp QoQ |
-5.9pp | 7.7% | 2.6% | 5.0% | 20% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.5% | 19.7% | n/a |
| Leverage Ratio |
11.0%
+0.5pp YoY +0.5pp QoQ |
-6.7pp | 17.7% | 12.6% | 12.6% | 29% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
28
-1 (-3.4%) YoY +4 (+16.7%) QoQ |
+16 | 12 | 134 | 482 | 97% |
| Assets per Employee ($) |
$3.5M
+0.4% YoY -17.4% QoQ |
-$2.7M | $6.2M | $8.2M | $8.8M | 13% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 9 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.9% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 56.89x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.0% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.2%
+2.9pp YoY +0.1pp QoQ |
+1.8pp | 6.4% | 11.8% | 11.6% | 51% |
| Cost of Funds (YTD) |
1.0%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 1.4% | 1.8% | 1.7% | 27% |
| Net Income ($, YTD) |
$354,000
+88.3% YoY — QoQ |
+$36K | $317,817 | $7.9M | $40.4M | 59% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.