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CCFBank National Association

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

Designations: ✓ Community bank

Altoona, WI

22 branches across WI · MN

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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
  • Deposits +5.5% year over year ($1.6B on the books).
  • Delinquency rate 2.33%.
  • Return on assets 0.74%.
  • Efficiency ratio 59.91% vs a 59.73% peer average.
  • Loan-to-deposit ratio 85.97% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in WI
View $1B-$10B leaderboard (WI) →

CCFBank National Association faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Delinquency Rate 1.46% above tier average
  • - Nonperforming Asset Ratio 1.12% above tier average
  • - ROA 0.65% below tier average
  • - Net Interest Margin 0.49% below tier average
  • - Efficiency Ratio 0.18% above tier average
Get updates when CCFBank National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $1.8B
+4.5% YoY -0.5% QoQ
-$981.8M $2.8B
-0.6% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
45%
Total Loans ? $1.4B
+2.1% YoY +1.7% QoQ
-$605.2M $2.0B
-0.3% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
50%
Total Deposits ? $1.6B
+5.5% YoY -0.5% QoQ
-$739.3M $2.3B
-0.5% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
48%
Return on Assets ? 0.74%
-23.2% YoY -28.8% QoQ
-0.65% 1.39%
+17.0% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
15%
Net Interest Margin ? 3.38%
+1.7% YoY +1.7% QoQ
-0.49% 3.87%
+6.2% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
30%
Efficiency Ratio ? 59.91%
-4.3% YoY -0.2% QoQ
+0.18% 59.73%
-12.6% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
47%
Delinquency Rate ? 2.33%
+155.0% YoY +79.1% QoQ
+1.46% 0.87%
+11.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
Bottom 7.0% in tier
Loan-to-Deposit Ratio ? 85.97%
-3.2% YoY +2.2% QoQ
+0.94% 85.04%
-0.1% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
53%
Non-Interest-Bearing Deposit Share ? 18.98%
+2.1% YoY +2.5% QoQ
-2.30% 21.27%
-1.5% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
45%
Nonperforming Asset Ratio ? 1.79%
+138.5% YoY +79.1% QoQ
+1.12% 0.67%
+11.7% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
Bottom 7.2% in tier
Tier 1 Capital Ratio ? 12.94%
-10.3% YoY -1.6% QoQ
-1.90% 14.84%
-0.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
48%
Non-Interest Income / Assets ? 0.29%
-0.8% YoY +77.5% QoQ
-0.23% 0.53%
+2.5% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
50%

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 19.0%
+0.4pp YoY
+0.5pp QoQ
 -2.4pp 21.4% 18.9% 22.2% 45%
Brokered Deposits 0.3%
0.0pp YoY
0.0pp QoQ
 -9.1pp 9.5% 9.2% 8.5% 9%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 7.6%
+0.5pp YoY
-0.1pp QoQ
 -6.4pp 14.0% 10.5% 12.5% 31%
CRE 70.2%
+1.3pp YoY
+0.5pp QoQ
 +20.2pp 50.0% 46.4% 41.4% 88%
1-4 Family 15.0%
-1.2pp YoY
-0.6pp QoQ
 -11.4pp 26.4% 32.3% 31.3% 31%
Consumer 0.6%
+0.1pp YoY
+0.2pp QoQ
 -4.1pp 4.7% 2.6% 5.0% 36%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 12.9%
-1.5pp YoY
-0.2pp QoQ
 -2.7pp 15.6% 15.5% 19.7% 40%
Leverage Ratio 11.2%
-1.0pp YoY
-0.1pp QoQ
 -0.1pp 11.3% 12.6% 12.6% 64%
Total Capital Ratio 14.2%
-1.5pp YoY
-0.2pp QoQ
 -2.5pp 16.7% 16.6% 20.8% 42%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 225
+7 (+3.2%) YoY
+4 (+1.8%) QoQ
 -89 313 134 482 47%
Assets per Employee ($) $8.1M
+1.3% YoY
-2.2% QoQ
 -$2.4M $10.5M $8.2M $8.8M 40%
Branch Count 22
0 YoY
0 QoQ
 +2 20 9 18 70%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.4% 0.4% 11%
Nonaccrual 2.3%
+1.5pp YoY
+1.0pp QoQ
 +1.5pp 0.8% 0.9% 1.0% 94%
Allowance Coverage 0.82x
-53.4% YoY
-38.1% QoQ
 -17.89x 18.71x 56.89x 20.23x 17%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
+0.2pp QoQ
 0.0pp 0.3% 0.0% 0.2% 82%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 6.1%
-1.4pp YoY
-2.5pp QoQ
 -6.5pp 12.6% 11.8% 11.6% 12%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.9% 1.8% 1.7% 48%
Net Income ($, YTD) $6.6M
-20.9% YoY
— QoQ
 -$12.6M $19.2M $7.9M $40.4M 20%

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

821
Delinquency Rate
credit_quality
Value: 2.33%
Peer Median: 0.87%
#821 of 882 Bottom 7.0% in $1B-$10B
822
Nonperforming Asset Ratio
credit_quality
Value: 1.79%
Peer Median: 0.67%
#822 of 885 Bottom 7.2% in $1B-$10B
750
Return on Assets
profitability
Value: 0.74%
Peer Median: 1.39%
#750 of 885 Bottom 15.4% in $1B-$10B
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