Conservation First Bank: how it compares with its peers
Against 40 WI banks with half to twice its assets, Conservation First Bank's strongest measure in Q2 2026 is net interest margin (4.75% vs. a 3.96% peer median). Its weakest relative measure is assets per employee ($6.4M vs. $6.5M).
| Measure | Conservation First Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.12% | 1.20% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.75% | 3.96% | Top third Ahead of 95% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.43% | 65.37% | Top third Ahead of 90% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $6.5M | Middle third Ahead of 48% of peers |
| Loans to deposits Net loans and leases over total deposits. | 107.98% | 85.43% | Context |
What it means for lending operations
Its efficiency ratio of 52.43% is better than the 65.37% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- KeySavings Bank Wisconsin Rapids, WI · $129M
- Bonduel State Bank Bonduel, WI · $132M
- Headwaters State Bank Land O' Lakes, WI · $122M
- Security State Bank Iron River, WI · $136M
- Union State Bank West Salem, WI · $118M
- Richland County Bank Richland Center, WI · $114M
Questions about Conservation First Bank
How big is Conservation First Bank?
Conservation First Bank, established in 1894, is headquartered in Benton, WI. It reported $127M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Conservation First Bank's return on assets?
2.12% annualized in Q2 2026, against a 1.20% median for 40 WI banks with half to twice its assets, ahead of 93% of them.
What is Conservation First Bank's efficiency ratio?
52.43% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 65.37%, and lower is better.
Is Conservation First Bank growing its loans?
Net loans grew 13.1% over the year to Q2 2026, while deposits grew 15.7%.
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.