BlastPoint's Banking Scorecard
Conservation First Bank
Micro
Specialty: Agricultural
WI
FDIC cert 14316
Designations: ✓ Community bank
Benton, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Conservation First Bank shows strong momentum with 1 strength and 11.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 34.55% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$119.0M
+11.5% YoY
+2.7% QoQ
|
-$98.5M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$104.9M
+15.8% YoY
+8.7% QoQ
|
-$34.3M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$96.2M
+12.5% YoY
+3.0% QoQ
|
-$87.5M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
1.84%
+14.7% YoY
-3.7% QoQ
|
+0.76% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
4.81%
-6.5% YoY
+1.1% QoQ
|
+0.95% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
59.41%
-12.6% YoY
+3.9% QoQ
|
-8.31% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
0.86%
-21.7% QoQ
|
+0.22% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
109.07%
+2.9% YoY
+5.5% QoQ
|
+34.55% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.22%
-24.9% YoY
-7.3% QoQ
|
-6.17% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.76%
-17.1% QoQ
|
+0.31% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.44%
-11.3% YoY
+31.3% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
109.07%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
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
96
96th pctile
Loan-to-Deposit Ratio
Current: 109.07% · Tier avg: 74.53%
87
87th pctile
Net Interest Margin
Current: 4.81% · Tier avg: 3.85%
86
86th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.08%
69
69th pctile
Efficiency Ratio
Current: 59.41% · Tier avg: 67.73%
61
61th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Total Loans
Current: $104.9M · Tier avg: $139.2M
32
32th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.64%
29
29th pctile
Total Assets
Current: $119.0M · Tier avg: $217.5M
27
27th pctile
Total Deposits
Current: $96.2M · Tier avg: $183.7M
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.22% · Tier avg: 22.39%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.76% · Tier avg: 0.45%
Top Weaknesses
26
26th pctile
Nonperforming Asset Ratio
Current: 0.76% · Tier avg: 0.45%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.22% · Tier avg: 22.39%
27
27th pctile
Total Deposits
Current: $96.2M · Tier avg: $183.7M
29
29th pctile
Total Assets
Current: $119.0M · Tier avg: $217.5M
32
32th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.64%
44
44th pctile
Total Loans
Current: $104.9M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
69
69th pctile
Efficiency Ratio
Current: 59.41% · Tier avg: 67.73%
86
86th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.08%
87
87th pctile
Net Interest Margin
Current: 4.81% · Tier avg: 3.85%
96
96th pctile
Loan-to-Deposit Ratio
Current: 109.07% · Tier avg: 74.53%