BlastPoint's Banking Scorecard
Conservation First Bank
Benton, WI
3 branches across WI
Conservation First Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.07% above tier average
- + Net Interest Margin 0.75% above tier average
- + Delinquency Rate 0.06% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 34.1% in tier
- - Cost Spiral: Bottom 88.1% in tier
- - Loan-to-Deposit Ratio 24.88% above tier average
- - Non-Interest Income / Assets 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$123.1M
+16.1% YoY
+3.5% QoQ
|
-$263.0M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 6.8% in tier |
| Total Loans ? |
$102.8M
+13.0% YoY
-2.0% QoQ
|
-$152.9M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
20% |
| Total Deposits ? |
$101.2M
+18.5% YoY
+5.3% QoQ
|
-$226.7M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 6.0% in tier |
| Return on Assets ? |
1.34%
-34.1% YoY
-27.3% QoQ
|
+0.07% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
58% |
| Net Interest Margin ? |
4.68%
-2.8% YoY
-2.6% QoQ
|
+0.75% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
Top 13.4% in tier |
| Efficiency Ratio ? |
67.07%
+18.8% YoY
+12.9% QoQ
|
+1.79% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
40% |
| Delinquency Rate ? |
0.83%
+514.6% YoY
-3.9% QoQ
|
-0.06% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
101.52%
-4.7% YoY
-6.9% QoQ
|
+24.88% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 7.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.31%
-10.6% YoY
+0.6% QoQ
|
-5.71% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.69%
+497.9% YoY
-9.0% QoQ
|
+0.06% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
13.38%
+10.0% YoY
+1.7% QoQ
|
-2.45% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.03%
-79.1% YoY
-94.0% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
Bottom 6.4% in tier |
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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 (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.