Community First Bank: how it compares with its peers
Against 71 WI banks with half to twice its assets, Community First Bank's strongest measure in Q2 2026 is net interest margin (3.91% vs. a 3.75% peer median). Its weakest relative measure is assets per employee ($6.1M vs. $7.6M).
| Measure | Community First Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.52% | 1.39% | Middle third Ahead of 62% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.91% | 3.75% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.78% | 58.35% | Middle third Ahead of 34% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $7.6M | Bottom third Ahead of 14% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.63% | 88.05% | Context |
What it means for lending operations
Its efficiency ratio of 62.78% is above the 58.35% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Citizens State Bank of La Crosse La Crosse, WI · $649M
- AbbyBank Abbotsford, WI · $662M
- Community State Bank Union Grove, WI · $667M
- The Stephenson National Bank and Trust Marinette, WI · $677M
- PyraMax Bank, FSB Greenfield, WI · $589M
- PremierBank Fort Atkinson, WI · $584M
Questions about Community First Bank
How big is Community First Bank?
Community First Bank, established in 1871, is headquartered in Boscobel, WI. It reported $634M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Community First Bank's return on assets?
1.52% annualized in Q2 2026, against a 1.39% median for 71 WI banks with half to twice its assets, ahead of 62% of them.
What is Community First Bank's efficiency ratio?
62.78% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 58.35%, and lower is better.
Is Community First Bank growing its loans?
Net loans grew 2.8% over the year to Q2 2026, while deposits shrank 4.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.