Community First Bank
Rosholt, WI · Cert 12512 · Peer group: banks under $1B in assets in WI (n=110-113) · Rosholt Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$97.6MAssets
$63.3MLoans
$84.7MDeposits
$8.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in WI (rank 16 of 110).
- Widest gap: efficiency ratio trails 92% of banks under $1B in assets in WI (rank 105 of 113).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.57%
Rank 99 of 113
Net Interest Margin
3.98%
Rank 23 of 113
Efficiency Ratio
84.66%
Rank 105 of 113
Equity / Assets
8.92%
Rank 90 of 113
Non-interest income vs. expense
Unfavorable gap of $3.4M · efficiency ratio beats 8% 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 | 0.57% | 0.85% | 1.17% | 1.51% | Beats 12% | 99 / 113 | | |
| Return on Equity | 6.38% | 7.70% | 10.77% | 13.67% | Beats 16% | 95 / 113 | | |
| Net Interest Margin | 3.98% | 3.19% | 3.59% | 3.89% | Beats 80% | 23 / 113 | | |
| Efficiency Ratio | 84.66% | 54.61% | 62.43% | 71.88% | Beats 8% | 105 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.24% | 0.91% | Beats 100% | 16 / 110 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 51% | 56 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 11.02% | 11.22% | 12.95% | 15.76% | Beats 21% | 89 / 113 | | |
| Total Risk-Based Capital Ratio | 11.02% | 11.57% | 13.59% | 16.73% | Beats 19% | 91 / 113 | | |
| Equity / Assets | 8.92% | 9.17% | 10.74% | 13.13% | Beats 20% | 90 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.79% | 76.54% | 86.37% | 98.93% | 22nd pctl | 87 / 112 | | |
| Loans / Assets | 64.86% | 63.07% | 71.33% | 78.84% | 27th pctl | 82 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |