Community Business Bank
Sauk City, WI · Cert 33880 · Peer group: banks under $1B in assets in WI (n=120-122)
FDIC · 3 branches
Q4 2024
$180.0MAssets
$139.0MLoans
$146.0MDeposits
$25.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 24 of 120).
- Widest gap: return on equity trails 84% of banks under $1B in assets in WI (rank 102 of 122).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.57%
Rank 90 of 122
Net Interest Margin
2.92%
Rank 65 of 122
Efficiency Ratio
82.02%
Rank 99 of 122
Equity / Assets
14.04%
Rank 17 of 122
Non-interest income vs. expense
Unfavorable gap of $4.3M · efficiency ratio beats 20% 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% | 0.54% | 0.80% | 1.14% | Beats 26% | 90 / 122 | | |
| Return on Equity | 4.04% | 5.37% | 8.06% | 10.71% | Beats 16% | 102 / 122 | | |
| Net Interest Margin | 2.92% | 2.61% | 2.95% | 3.40% | Beats 47% | 65 / 122 | | |
| Efficiency Ratio | 82.02% | 61.05% | 69.95% | 80.00% | Beats 20% | 99 / 122 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | 0.02% | 0.17% | 0.58% | Beats 45% | 67 / 120 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 24 / 120 | | |
| Capital |
| Tier 1 Capital Ratio | 13.91% | 11.11% | 12.77% | 16.10% | Beats 63% | 45 / 122 | | |
| Total Risk-Based Capital Ratio | 13.91% | 11.65% | 13.62% | 16.65% | Beats 58% | 51 / 122 | | |
| Equity / Assets | 14.04% | 8.19% | 9.77% | 12.18% | Beats 86% | 17 / 122 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.19% | 71.00% | 84.22% | 95.56% | 73rd pctl | 33 / 121 | | |
| Loans / Assets | 77.20% | 61.46% | 70.24% | 79.04% | 68th pctl | 39 / 120 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |