PackageTrendsPeer
Letter portraitLegal landscape

Community First Bank

Boscobel, WI · Cert 11595 · Boscobel Bcorp Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in WI3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in WI (n=110 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

26

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

61

Q2 2024Q2 2026peer median

Efficiency

48

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community First Bank

Boscobel, WI · Cert 11595 · Boscobel Bcorp Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

$634.1MAssets
$399.9MLoans
$522.4MDeposits
$63.9MEquity
Loan mix
88%RE $307.4M11%C&I $37.3M1%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $360.0M31%Noninterest $162.5MQ2 2025Q2 2026

NIM

4.32%Q2 ’244.51%Q2 ’254.77%Q2 ’26+9%+13%

Non-interest income vs. expense

2.57%Q2 ’242.51%Q2 ’252.63%Q2 ’26-2%+3%

Executive Summary

  • Earnings: ROA of 1.19%, up 28 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.32% of loans (+21 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.95%, up 116 bps from a year ago.
  • Funding: loans stand at 76.54% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.19%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.68%+42 bps YoY

Efficiency Ratio (YTD, annualized)

62.78%-463 bps YoY

Tier 1 Leverage Ratio

10.95%+116 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.94%0.97%1.18%1.19%+28 bps
Return on Equity10.70%10.77%10.89%12.10%12.12%+142 bps
Net Interest Margin3.26%3.35%3.41%3.60%3.68%+42 bps
Efficiency Ratio67.41%67.00%66.09%62.24%62.78%-463 bps
Non-Interest Burden2.03%2.07%2.07%2.05%2.10%+6 bps
Growth
Asset Growth (YoY)7.52%4.44%5.88%1.62%-0.12%-764 bps
Loan Growth (YoY)-0.83%-2.17%0.36%2.31%2.85%+368 bps
Deposit Growth (YoY)8.40%7.64%2.29%-2.01%-4.06%-1,246 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.07%0.11%0.12%0.32%+21 bps
Net Charge-Offs / Loans0.03%0.01%0.00%-0.01%0.00%-3 bps
Allowance / Loans1.14%1.18%1.17%1.17%1.19%+5 bps
Allowance Coverage of NPLs9.8x16.3x10.2x9.8x3.7x-6.1x
Capital
Tier 1 Leverage Ratio9.79%10.15%10.41%10.47%10.95%+116 bps
Total Risk-Based Capital14.68%15.36%15.25%15.46%10.95%-373 bps
Equity / Assets8.76%9.39%9.71%9.75%10.08%+132 bps
Liquidity & Funding
Loans / Deposits71.40%71.87%75.62%76.84%76.54%+514 bps
Liquid Assets / Assets5.70%5.63%3.91%3.86%3.63%-206 bps
CRE / Total Capitaln/a222%221%225%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Community First Bank

Boscobel, WI · Cert 11595 · Peer group: banks under $1B in assets in WI (n=110-113) · Boscobel Bcorp Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

$634.1MAssets
$399.9MLoans
$522.4MDeposits
$63.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 58% of banks under $1B in assets in WI (rank 47 of 113).
  • Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets in WI (rank 92 of 113).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.20%

Rank 54 of 113

Net Interest Margin

3.68%

Rank 49 of 113

Efficiency Ratio

63.03%

Rank 60 of 113

Equity / Assets

10.08%

Rank 69 of 113

Non-interest income vs. expense

$3.4M$16.7MINCOMEEXPENSE
Unfavorable gap of $13.3M · efficiency ratio beats 48% of banks under $1B in assets in WI
Bank 63.03%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.20%0.85%1.17%1.51%Beats 52%54 / 113
Return on Equity11.88%7.70%10.77%13.67%Beats 58%47 / 113
Net Interest Margin3.68%3.19%3.59%3.89%Beats 57%49 / 113
Efficiency Ratio63.03%54.61%62.43%71.88%Beats 48%60 / 113
Asset Quality
Nonperforming Loans / Loans0.32%0.03%0.24%0.91%Beats 43%64 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 38%70 / 110
Capital
Tier 1 Capital Ratio10.95%11.22%12.95%15.76%Beats 20%90 / 113
Total Risk-Based Capital Ratio10.95%11.57%13.59%16.73%Beats 19%92 / 113
Equity / Assets10.08%9.17%10.74%13.13%Beats 39%69 / 113
Liquidity & Funding
Loans / Deposits76.54%76.54%86.37%98.93%25th pctl84 / 112
Loans / Assets63.07%63.07%71.33%78.84%25th pctl85 / 113
Brokered Deposits / Depositsn/aNot reported for this institution