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
Unfavorable gap of $13.3M · efficiency ratio beats 48% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.85% | 1.17% | 1.51% | Beats 52% | 54 / 113 | | |
| Return on Equity | 11.88% | 7.70% | 10.77% | 13.67% | Beats 58% | 47 / 113 | | |
| Net Interest Margin | 3.68% | 3.19% | 3.59% | 3.89% | Beats 57% | 49 / 113 | | |
| Efficiency Ratio | 63.03% | 54.61% | 62.43% | 71.88% | Beats 48% | 60 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.03% | 0.24% | 0.91% | Beats 43% | 64 / 110 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 38% | 70 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 10.95% | 11.22% | 12.95% | 15.76% | Beats 20% | 90 / 113 | | |
| Total Risk-Based Capital Ratio | 10.95% | 11.57% | 13.59% | 16.73% | Beats 19% | 92 / 113 | | |
| Equity / Assets | 10.08% | 9.17% | 10.74% | 13.13% | Beats 39% | 69 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.54% | 76.54% | 86.37% | 98.93% | 25th pctl | 84 / 112 | | |
| Loans / Assets | 63.07% | 63.07% | 71.33% | 78.84% | 25th pctl | 85 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |