Community First Bank (Rosholt, WI): Financial Reports & UBPR Data
BankRegReports is independent of Community First Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Community First Bank, based in Rosholt, Wisconsin, reported $98 million in assets at June 30, 2026, down 3.0% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). On the other hand, it holds commercial real estate loans worth 0.9 times its capital, about triple the median of 26% for banks its size.
Earnings jumped: net income for the quarter was $180,000, 35% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.6 million equal 23% of Tier 1 capital, down from 36% a year earlier. Costs are the weak spot: it spends about 82 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, Community First Bank reported a return on assets of 0.70%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 275 W Grand Ave, Rosholt, WI 54473
- County
- Portage
- Metro Area
- Stevens Point-Plover, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1904
- Offices
- 3 domestic
- Employees (FTE)
- 28
- Domestic deposits
- $84.7M
- Allowance for credit losses
- $676K
- Net charge-offs (YTD)
- $0
- Average total assets
- $103.0M
- Average total loans
- $62.2M
- Average interest-bearing deposits
- $53.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12512
- Fed RSSD
- 62147
- Website
- www.cfbwi.bank →
- Parent Holding Company
- ROSHOLT BANCORPORATION, INC. (RSSD 1210422)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Community First Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Community First Bank, freeCommunity First Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.02% | 0.70% | 0.00% | 0.00% | 4.42% |
| Q1 2026 | 10.49% | 0.65% | 0.00% | 0.00% | 4.11% |
| Q4 2025 | 10.43% | 1.10% | 0.00% | 0.00% | 4.36% |
| Q3 2025 | 10.43% | 0.66% | 0.00% | 0.72% | 4.16% |
| Q2 2025 | 10.55% | 0.52% | 0.07% | 0.66% | 4.01% |
| Q1 2025 | 10.36% | 0.21% | 0.08% | 0.61% | 3.82% |
| Q4 2024 | 10.44% | 0.25% | 0.08% | 0.60% | 3.82% |
| Q3 2024 | 10.89% | 0.63% | 0.00% | 0.00% | 3.76% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Highway 10 Branch | Stevens Point , WI | 54482 | $40.9M |
| Community First Bank (main office) | Rosholt , WI | 54473 | $32.4M |
| Elderon Branch | Elderon , WI | 54429 | $11.3M |
Regulatory record
What the public regulatory sources show for Community First Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, ROSHOLT BANCORPORATION, INC., not the bank itself
- March 1, 2011, Federal Reserve: Written Agreement: Rosholt Bancorporation, Inc., Rosholt, Wisconsin
- Period: Most recent institution action March 1, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in WI, rank 163 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 20 applications, 16 loans originated, $2.5M originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Community First Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Community First Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Community First Bank
What are Community First Bank's total assets?
As of the Q2 2026 filing, Community First Bank reported total assets of $97.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Community First Bank headquartered?
Community First Bank is headquartered in Rosholt, WI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Community First Bank founded?
Community First Bank was established in 1904, per the FDIC institution directory.
Is Community First Bank FDIC-insured?
Yes. Community First Bank is an FDIC-insured commercial bank (FDIC Certificate #12512). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community First Bank?
Community First Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Community First Bank operate?
Community First Bank operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community First Bank's Texas Ratio?
Community First Bank's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Community First Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Community First Bank, freeFree account