BlastPoint's Banking Scorecard
Community First Bank
Community
Specialty: Agricultural
WI
FDIC cert 11595
Boscobel, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Community First Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 19% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$635.8M
+5.9% YoY
+1.0% QoQ
|
-$755.7M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$396.6M
+0.3% YoY
+4.2% QoQ
|
-$578.9M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$530.7M
+2.3% YoY
-1.0% QoQ
|
-$633.9M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
1.23%
+30.2% YoY
+3.1% QoQ
|
+0.07% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
3.70%
+9.3% YoY
+1.3% QoQ
|
+0.04% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
66.09%
-9.1% YoY
-1.4% QoQ
|
+3.46% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
0.12%
+1.3% YoY
+59.2% QoQ
|
-0.51% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
74.73%
-2.0% YoY
+5.2% QoQ
|
-8.33% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
31.78%
+9.1% YoY
+10.8% QoQ
|
+10.73% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-4.1% YoY
+64.1% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
14.14%
+5.5% YoY
-0.7% QoQ
|
+3.90% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.51%
+0.5% YoY
+35.4% QoQ
|
-0.23% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#73 of 371 · Top 19% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.12%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (1)
Credit Quality Pressure
risk
#35 of 808 · Bottom 4% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.12%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.78% · Tier avg: 21.05%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
80
80th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
72
72th pctile
Loan-to-Deposit Ratio
Current: 74.73% · Tier avg: 83.06%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.14% · Tier avg: 10.24%
58
58th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
37
37th pctile
Efficiency Ratio
Current: 66.09% · Tier avg: 62.63%
19
19th pctile
Total Assets
Current: $635.8M · Tier avg: $1.4B
18
18th pctile
Total Deposits
Current: $530.7M · Tier avg: $1.2B
14
14th pctile
Total Loans
Current: $396.6M · Tier avg: $975.5M
Top Weaknesses
14
14th pctile
Total Loans
Current: $396.6M · Tier avg: $975.5M
18
18th pctile
Total Deposits
Current: $530.7M · Tier avg: $1.2B
19
19th pctile
Total Assets
Current: $635.8M · Tier avg: $1.4B
37
37th pctile
Efficiency Ratio
Current: 66.09% · Tier avg: 62.63%
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
58
58th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.14% · Tier avg: 10.24%
72
72th pctile
Loan-to-Deposit Ratio
Current: 74.73% · Tier avg: 83.06%
80
80th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.78% · Tier avg: 21.05%