BlastPoint's Banking Scorecard

Conservation First Bank

$100M-$1B Specialty: Agricultural WI FDIC cert 14316

Benton, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
Deposits +15.7% year over year ($101.3M on the books).
Delinquency rate 0.75%.
Return on assets 2.12%.
Efficiency ratio 52.43% vs a 64.48% peer average.
Loan-to-deposit ratio 107.98% 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) →

Conservation First Bank has 4 strengths but faces 1 concern

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

+ Profitability Leader: Top 41.1% in tier
+ Net Interest Margin 0.76% above tier average
+ Efficiency Ratio 12.05% below tier average
+ Delinquency Rate 0.17% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 30.02% above tier average

Get updates when Conservation 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 ?	$127.5M +16.1% YoY +3.6% QoQ	-$259.1M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	Bottom 7.7% in tier
Total Loans ?	$109.4M +13.1% YoY +6.4% QoQ	-$149.0M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	22%
Total Deposits ?	$101.3M +15.7% YoY +0.1% QoQ	-$225.4M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	Bottom 5.8% in tier
Return on Assets ?	2.12% +10.9% YoY +58.2% QoQ	+0.79%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	Top 10.8% in tier
Net Interest Margin ?	4.75% -1.0% YoY +1.5% QoQ	+0.76%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	Top 12.9% in tier
Efficiency Ratio ?	52.43% -8.2% YoY -21.8% QoQ	-12.05%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	78%
Delinquency Rate ?	0.75% -14.7% YoY -10.0% QoQ	-0.17%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	36%
Loan-to-Deposit Ratio ?	107.98% -2.3% YoY +6.4% QoQ	+30.02%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	Bottom 4.2% in tier
Non-Interest-Bearing Deposit Share ?	16.51% -13.4% YoY +1.2% QoQ	-5.53%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	30%
Nonperforming Asset Ratio ?	0.64% -16.9% YoY -7.5% QoQ	-0.03%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	33%
Tier 1 Capital Ratio ?	13.96% +2.3% YoY +4.3% QoQ	-1.95%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.13% -44.5% YoY +419.0% QoQ	-0.43%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	29%

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	16.5% -2.6pp YoY +0.2pp QoQ	-5.6pp	22.1%	18.9%	22.2%	30%
Brokered Deposits	11.4% +2.2pp YoY +4.7pp QoQ	+3.5pp	7.9%	9.2%	8.5%	78%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	3.8% -0.7pp YoY -0.3pp QoQ	-7.7pp	11.6%	10.5%	12.5%	14%
CRE	28.6% +5.5pp YoY +2.0pp QoQ	-10.9pp	39.5%	46.4%	41.4%	32%
1-4 Family	37.1% -8.3pp YoY -3.7pp QoQ	+4.5pp	32.6%	32.3%	31.3%	66%
Consumer	1.8% -0.2pp YoY +0.1pp QoQ	-2.3pp	4.1%	2.6%	5.0%	44%

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	14.0% +0.3pp YoY +0.6pp QoQ	+1.8pp	12.2%	12.6%	12.6%	81%
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	20 +1 (+5.3%) YoY +1 (+5.3%) QoQ	-39	58	134	482	11%
Assets per Employee ($)	$6.4M +10.3% YoY -1.6% QoQ	-$1.1M	$7.5M	$8.2M	$8.8M	40%
Branch Count	3 0 YoY 0 QoQ	-2	4	9	18	26%

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	0.7% -0.1pp YoY -0.1pp QoQ	-0.2pp	0.9%	0.9%	1.0%	64%
Allowance Coverage	1.73x +18.7% YoY +7.2% QoQ	-22.42x	24.15x	56.89x	20.23x	43%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.0%	0.2%	44%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	16.0% +0.6pp YoY +5.8pp QoQ	+3.8pp	12.2%	11.8%	11.6%	73%
Cost of Funds (YTD)	2.3% +0.1pp YoY -0.1pp QoQ	+0.6pp	1.7%	1.8%	1.7%	84%
Net Income ($, YTD)	$1.3M +27.1% YoY — QoQ	-$1.3M	$2.6M	$7.9M	$40.4M	36%

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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 (1)

Profitability Leader

growth

#273 of 661 • Top 41.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.12%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

287

Return on Assets

profitability

Value: 2.12%

Peer Median: 1.32%

#287 of 2643 Top 10.8% in $100M-$1B

342

Net Interest Margin

profitability

Value: 4.75%

Peer Median: 3.99%

#342 of 2643 Top 12.9% in $100M-$1B

575

Efficiency Ratio

profitability

Value: 52.43%

Peer Median: 64.48%

#575 of 2643 Top 21.7% in $100M-$1B

Top Weaknesses (4 metrics)

2533

Loan-to-Deposit Ratio

liquidity

Value: 107.98%

Peer Median: 77.95%

#2533 of 2643 Bottom 4.2% in $100M-$1B

2490

Total Deposits

size

Value: $101.30M

Peer Median: $326.73M

#2490 of 2643 Bottom 5.8% in $100M-$1B

2441

Total Assets

size

Value: $127.46M

Peer Median: $386.57M

#2441 of 2643 Bottom 7.7% in $100M-$1B

2061

Total Loans

size

Value: $109.38M

Peer Median: $258.35M

#2061 of 2643 Bottom 22.1% in $100M-$1B