Ccfbank National Association
Altoona, WI · Cert 57265 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 82 of 328).
- Widest gap: nonperforming loans / loans trails 92% of banks $1B-$10B in assets (rank 296 of 322).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.73%
Rank 275 of 328
Net Interest Margin
3.17%
Rank 219 of 328
Efficiency Ratio
60.59%
Rank 179 of 328
Equity / Assets
12.01%
Rank 82 of 328
Non-interest income vs. expense
Unfavorable gap of $29.8M · efficiency ratio beats 46% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.73% | 0.91% | 1.22% | 1.52% | Beats 16% | 275 / 328 | | |
| Return on Equity | 6.10% | 8.43% | 11.45% | 14.43% | Beats 11% | 291 / 328 | | |
| Net Interest Margin | 3.17% | 3.03% | 3.45% | 3.83% | Beats 33% | 219 / 328 | | |
| Efficiency Ratio | 60.59% | 51.61% | 59.56% | 67.53% | Beats 46% | 179 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.28% | 0.24% | 0.51% | 1.03% | Beats 8% | 296 / 322 | | |
| Net Charge-Offs / Loans | 0.12% | 0.01% | 0.03% | 0.10% | Beats 24% | 245 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 12.94% | 11.75% | 13.15% | 15.47% | Beats 47% | 173 / 328 | | |
| Total Risk-Based Capital Ratio | 14.19% | 12.63% | 14.15% | 16.46% | Beats 51% | 162 / 328 | | |
| Equity / Assets | 12.01% | 9.15% | 10.33% | 12.01% | Beats 75% | 82 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.61% | 76.63% | 87.92% | 95.36% | 49th pctl | 164 / 323 | | |
| Loans / Assets | 76.40% | 65.18% | 74.15% | 79.98% | 61st pctl | 129 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |