Conservation First Bank
Benton, WI · Cert 14316 · Peer group: banks under $1B in assets in WI (n=110-113) · BSB Community Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$127.5MAssets
$110.8MLoans
$101.3MDeposits
$17.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 95% of banks under $1B in assets in WI (rank 6 of 113).
- Widest gap: net charge-offs / loans trails 74% of banks under $1B in assets in WI (rank 82 of 110).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.05%
Rank 12 of 113
Net Interest Margin
4.54%
Rank 6 of 113
Efficiency Ratio
52.41%
Rank 26 of 113
Equity / Assets
13.49%
Rank 25 of 113
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 78% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.05% | 0.85% | 1.17% | 1.51% | Beats 89% | 12 / 113 | |
| Return on Equity | 15.18% | 7.70% | 10.77% | 13.67% | Beats 86% | 16 / 113 | |
| Net Interest Margin | 4.54% | 3.19% | 3.59% | 3.89% | Beats 95% | 6 / 113 | |
| Efficiency Ratio | 52.41% | 54.61% | 62.43% | 71.88% | Beats 78% | 26 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.74% | 0.03% | 0.24% | 0.91% | Beats 29% | 79 / 110 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.01% | Beats 26% | 82 / 110 | |
| Capital |
| Tier 1 Capital Ratio | 13.96% | 11.22% | 12.95% | 15.76% | Beats 63% | 42 / 113 | |
| Total Risk-Based Capital Ratio | 13.96% | 11.57% | 13.59% | 16.73% | Beats 54% | 52 / 113 | |
| Equity / Assets | 13.49% | 9.17% | 10.74% | 13.13% | Beats 78% | 25 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 109.38% | 76.54% | 86.37% | 98.93% | 91st pctl | 10 / 112 | |
| Loans / Assets | 86.93% | 63.07% | 71.33% | 78.84% | 96th pctl | 5 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |