First National Community Bank: how it compares with its peers
Against 75 WI banks with half to twice its assets, First National Community Bank's strongest measure in Q2 2026 is net interest margin (4.22% vs. a 3.88% peer median). Its weakest relative measure is efficiency ratio (65.94% vs. 61.89%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.35% | 1.28% | Middle third Ahead of 53% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.22% | 3.88% | Top third Ahead of 79% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.94% | 61.89% | Middle third Ahead of 35% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $7.0M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.51% | 86.78% | Context |
What it means for lending operations
Its efficiency ratio of 65.94% is above the 61.89% 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
- Waumandee State Bank Waumandee, WI · $345M
- Citizens First Bank Viroqua, WI · $344M
- Cumberland Federal Bank, FSB Cumberland, WI · $342M
- Bank of Alma Alma, WI · $340M
- Sterling Bank Barron, WI · $352M
- Clare Bank, National Association Platteville, WI · $332M
Questions about First National Community Bank
How big is First National Community Bank?
First National Community Bank, established in 1919, is headquartered in New Richmond, WI. It reported $345M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is First National Community Bank's return on assets?
1.35% annualized in Q2 2026, against a 1.28% median for 75 WI banks with half to twice its assets, ahead of 53% of them.
What is First National Community Bank's efficiency ratio?
65.94% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 61.89%, and lower is better.
Is First National Community Bank growing its loans?
Net loans grew 13.3% over the year to Q2 2026, while deposits grew 6.7%.
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.