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Conservation First Bank

Benton, WI · Cert 14316 · BSB Community Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$127.5MAssets
$110.8MLoans
$101.3MDeposits
$17.2MEquity
Loan mix
94%RE $88.4M5%C&I $4.3M2%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $84.6M17%Noninterest $16.7MQ2 2025Q2 2026

NIM

6.85%Q2 ’246.77%Q2 ’256.88%Q2 ’26-8%+1%

Non-interest income vs. expense

4.05%Q2 ’242.98%Q2 ’252.04%Q2 ’26-33%-36%

Executive Summary

  • Earnings: ROA of 2.87%, up 146 bps year over year; NIM at 4.70%.
  • Asset quality: problem loans at 0.74% of loans (-13 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 13.96%, up 31 bps from a year ago.
  • Funding: loans stand at 109.38% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.87%+146 bps YoY

Net Interest Margin (quarter, annualized)

4.70%+5 bps YoY

Efficiency Ratio (quarter, annualized)

39.62%-1,811 bps YoY

Tier 1 Leverage Ratio

13.96%+31 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.52%1.29%1.34%2.87%+146 bps
Return on Equity11.17%11.57%9.93%10.19%21.51%+1,034 bps
Net Interest Margin4.65%4.50%4.71%4.44%4.70%+5 bps
Efficiency Ratio57.73%57.28%65.42%67.07%39.62%-1,811 bps
Non-Interest Burden2.47%2.40%2.93%2.94%1.59%-88 bps
Growth
Asset Growth (YoY)13.32%11.03%11.45%16.12%16.12%+280 bps
Loan Growth (YoY)13.25%11.00%15.83%13.06%13.09%-16 bps
Deposit Growth (YoY)13.76%15.99%12.54%18.53%15.72%+195 bps
Asset Quality
Nonperforming Loans / Loans0.87%1.09%0.85%0.82%0.74%-13 bps
Net Charge-Offs / Loans0.00%-0.01%-0.01%-0.01%0.03%+3 bps
Allowance / Loans1.26%1.31%1.25%1.33%1.28%+2 bps
Allowance Coverage of NPLs1.5x1.2x1.5x1.6x1.7x+0.3x
Capital
Tier 1 Leverage Ratio13.65%13.46%13.16%13.38%13.96%+31 bps
Total Risk-Based Capital13.65%13.46%13.16%13.38%13.96%+31 bps
Equity / Assets13.21%13.01%13.04%13.23%13.49%+28 bps
Liquidity & Funding
Loans / Deposits111.91%104.76%110.46%102.89%109.38%-253 bps
Liquid Assets / Assets6.35%9.99%4.36%5.88%3.68%-267 bps
CRE / Total Capitaln/a150.19%163.75%167.24%n/an/a