CONSERVATION FIRST BANK

BENTON, WI | Small | Est. Dec. 5, 1894, midnight | FDIC #14316 | RSSD #208347 | FDIC
Latest Report: 2025-12-31

CONSERVATION FIRST BANK is asn small FDIC-insured commercial bank headquartered in BENTON, WI, established in Dec. 5, 1894, midnight. As of 2025-12-31, the bank reported total assets of $119M and total deposits of $96M. Profitability stands at 1.64% ROA and 12.58% ROE, with a net interest margin of 5.17%. The bank's CET1 capital ratio is 13.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.80% and a Texas Ratio of 5.02%. FDIC Certificate #14316.

Assets

$119M

Deposits

$96M

Loans

$106M

Equity

$16M

Profitability

Return on Assets (ROA) 1.64%
Return on Equity (ROE) 12.58%
Net Interest Margin (NIM) 5.17%
Yield on Assets 7.62%
Cost of Funds 2.61%

Asset Quality

NPL Ratio 0.80%
Net Charge-Off Ratio -0.01%
Texas Ratio 5.02%
NPA Ratio 0.71%
ACL / Loans 1.25%

Capital & Liquidity

CET1 Ratio 13.04%
Tier 1 Capital 13.04%
Total Capital Ratio 13.70%
Leverage Ratio 13.16%
Loan-to-Deposit 110.46%

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