Ccfbank National Association
Altoona, WI · Cert 57265 · Peer group: banks $1B-$10B in assets (n=313-319) · Citizens Community Bcorp Inc.
National charter · OCC · 21 branches
Q2 2026
$1.8BAssets
$1.4BLoans
$1.6BDeposits
$217.6MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 75% of banks $1B-$10B in assets (rank 80 of 319).
- Widest gap: nonperforming loans / loans trails 92% of banks $1B-$10B in assets (rank 289 of 313).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.73%
Rank 269 of 319
Net Interest Margin
3.17%
Rank 216 of 319
Efficiency Ratio
60.59%
Rank 171 of 319
Equity / Assets
12.01%
Rank 80 of 319
Non-interest income vs. expense
Unfavorable gap of $29.8M · efficiency ratio beats 47% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.73% | 0.91% | 1.21% | 1.53% | Beats 16% | 269 / 319 | |
| Return on Equity | 6.10% | 8.49% | 11.44% | 14.57% | Beats 12% | 280 / 319 | |
| Net Interest Margin | 3.17% | 3.06% | 3.43% | 3.81% | Beats 32% | 216 / 319 | |
| Efficiency Ratio | 60.59% | 51.90% | 59.57% | 67.64% | Beats 47% | 171 / 319 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.28% | 0.25% | 0.54% | 1.18% | Beats 8% | 289 / 313 | |
| Net Charge-Offs / Loans | 0.12% | 0.01% | 0.04% | 0.12% | Beats 26% | 233 / 313 | |
| Capital |
| Tier 1 Capital Ratio | 12.94% | 11.74% | 12.99% | 15.28% | Beats 49% | 162 / 319 | |
| Total Risk-Based Capital Ratio | 14.19% | 12.61% | 14.01% | 16.23% | Beats 52% | 154 / 319 | |
| Equity / Assets | 12.01% | 9.03% | 10.33% | 12.01% | Beats 75% | 80 / 319 | |
| Liquidity & Funding |
| Loans / Deposits | 87.61% | 76.76% | 88.16% | 95.43% | 48th pctl | 162 / 314 | |
| Loans / Assets | 76.40% | 65.79% | 74.05% | 79.84% | 60th pctl | 128 / 319 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |