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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 $1.7MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $84.6M17%Noninterest $16.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.12%, up 62 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 0.74% of loans (-13 bps YoY), with net charge-offs at 0.01%.
  • 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.

Return on Assets (YTD, annualized)

2.12%+62 bps YoY

Net Interest Margin (YTD, annualized)

4.55%-5 bps YoY

Efficiency Ratio (YTD, annualized)

52.41%-471 bps YoY

Tier 1 Leverage Ratio

13.96%+31 bps YoY

NIM

6.47%Q2 ’246.69%Q2 ’256.74%Q2 ’26-5%-1%

Non-interest income vs. expense

3.82%Q2 ’242.91%Q2 ’252.53%Q2 ’26-30%-7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.27%1.60%1.50%1.50%1.45%1.34%2.12%+62 bps
Return on Equity12.89%12.93%13.36%12.11%11.96%11.47%10.19%15.98%+387 bps
Net Interest Margin4.69%4.51%4.55%4.59%4.41%4.32%4.44%4.55%-5 bps
Efficiency Ratio69.22%67.98%56.48%57.12%57.17%59.41%67.07%52.41%-471 bps
Non-Interest Burden3.10%2.90%2.35%2.41%2.32%2.39%2.94%2.25%-16 bps
Growth
Asset Growth (YoY)25.44%27.25%17.39%13.32%11.03%11.45%16.12%16.12%+280 bps
Loan Growth (YoY)21.65%22.71%15.27%13.25%11.00%15.83%13.06%13.09%-16 bps
Deposit Growth (YoY)12.44%18.31%16.62%13.76%15.99%12.54%18.53%15.72%+195 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.03%0.13%0.87%1.09%0.85%0.82%0.74%-13 bps
Net Charge-Offs / Loans-0.02%-0.02%0.00%0.00%0.00%-0.01%-0.01%0.01%+1 bps
Allowance / Loans1.29%1.20%1.25%1.26%1.31%1.25%1.33%1.28%+2 bps
Allowance Coverage of NPLs35.5x36.7x9.3x1.5x1.2x1.5x1.6x1.7x+0.3x
Capital
Tier 1 Leverage Ratio9.38%12.31%12.17%13.65%13.46%13.16%13.38%13.96%+31 bps
Total Risk-Based Capital9.38%12.31%12.17%13.65%13.46%13.16%13.38%13.96%+31 bps
Equity / Assets8.76%11.80%12.13%13.21%13.01%13.04%13.23%13.49%+28 bps
Liquidity & Funding
Loans / Deposits109.47%107.32%107.87%111.91%104.76%110.46%102.89%109.38%-253 bps
Liquid Assets / Assets9.93%6.75%7.48%6.35%9.99%4.36%5.88%3.68%-267 bps
CRE / Total Capitaln/an/an/an/a150.19%163.75%167.24%n/an/a