BlastPoint's Banking Scorecard

CCFBank National Association

$1B-$10B Specialty: Commercial WI FDIC cert 57265

Designations: ✓ Community bank

Altoona, WI

22 branches across WI · MN

884 banks in the $1B-$10B peer group nationally 28 in WI

CCFBank National Association has 1 strength but faces 3 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

+ Efficiency Ratio 1.04% below tier average

Key Concerns

Areas that may need attention

- ROA 0.33% below tier average
- Net Interest Margin 0.49% below tier average
- Delinquency Rate 0.41% above tier average

Get updates when CCFBank National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$1.8B +2.4% YoY +2.3% QoQ	-$995.5M	$2.8B -0.1% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	45%
Total Loans ?	$1.3B +0.0% YoY +1.0% QoQ	-$628.9M	$2.0B +0.6% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	49%
Total Deposits ?	$1.6B +3.1% YoY +2.5% QoQ	-$755.2M	$2.3B -0.3% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	47%
Return on Assets ?	1.03% +9.4% YoY +1.9% QoQ	-0.33%	1.37% +19.6% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	35%
Net Interest Margin ?	3.33% +7.8% YoY -2.0% QoQ	-0.49%	3.82% +6.9% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	31%
Efficiency Ratio ?	60.02% -8.5% YoY -4.0% QoQ	-1.04%	61.06% -4.6% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	49%
Delinquency Rate ?	1.30% +26.9% YoY +8.3% QoQ	+0.41%	0.89% +14.1% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	20%
Loan-to-Deposit Ratio ?	84.12% -3.0% YoY -1.5% QoQ	-0.08%	84.20% +0.3% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	56%
Non-Interest-Bearing Deposit Share ?	18.50% +5.5% YoY -1.0% QoQ	-2.78%	21.29% -2.5% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	43%
Nonperforming Asset Ratio ?	1.00% +22.2% YoY +6.5% QoQ	+0.33%	0.67% +15.6% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	21%
Tier 1 Capital Ratio ?	13.15% -8.3% YoY -1.6% QoQ	-2.01%	15.16% +2.0% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.17% +18.2% YoY -72.1% QoQ	-0.09%	0.26% +1.6% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	59%

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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 (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 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

708

Delinquency Rate

credit_quality

Value: 1.30%

Peer Median: 0.89%

#708 of 880 Bottom 19.7% in $1B-$10B

703

Nonperforming Asset Ratio

credit_quality

Value: 1.00%

Peer Median: 0.67%

#703 of 884 Bottom 20.6% in $1B-$10B