PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

4.39%Q2 ’244.66%Q2 ’254.75%Q2 ’26+11%+9%

Non-interest income vs. expense

2.60%Q2 ’242.54%Q2 ’252.69%Q2 ’26+1%+2%

Executive Summary

  • Earnings: ROA of 1.21%, up 24 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 (quarter, annualized)

1.21%+24 bps YoY

Net Interest Margin (quarter, annualized)

3.68%+29 bps YoY

Efficiency Ratio (quarter, annualized)

63.30%-272 bps YoY

Tier 1 Leverage Ratio

10.95%+116 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.99%1.06%1.18%1.21%+24 bps
Return on Equity11.29%10.92%11.08%12.10%12.20%+91 bps
Net Interest Margin3.39%3.47%3.58%3.60%3.68%+29 bps
Efficiency Ratio66.02%66.21%63.55%62.24%63.30%-272 bps
Non-Interest Burden2.07%2.11%2.07%2.05%2.10%+3 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 / Loans0.07%-0.01%-0.04%-0.01%0.00%-6 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