Ccfbank N.A.
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Data as of · sourced from FFIEC call reports. How we update
Ccfbank N.A. is an FDIC-insured commercial bank headquartered in Altoona, WI, established in 2001 (FDIC certificate 57265), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.81B, up 4.5% from Q2 2025, the 17th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 12.94% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57265
- Headquarters
- Altoona, WI
- Established
- 2001
- Total assets, Q2 2026
- $1.81B
- Assets vs Q2 2025
- +4.5%
- CET1 ratio, Q2 2026
- 12.94%
- Domestic offices
- 22 FDIC institution directory, current count
- Routing number
- 291880330
- Latest call report
- Q2 2026, FFIEC 051 · Ccfbank N.A. call report
- Holding company
- CITIZENS COMMUNITY BANCORP, INC.
- Asset rank in state
- 17th of 153 in Wisconsin
Problem loans are rising at Ccfbank N.A.. The Altoona, Wisconsin bank had $1.8 billion in assets at June 30, 2026, up 4.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.01% of loans from 0.84% a year earlier. It earns about $0.44 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also carries problem assets equal to 13.5% of the capital and reserves that would absorb them, 3.8 times the median of 3.6% for banks its size.
Earnings fell sharply: quarterly net income of $2.0 million was 53% below a year earlier. Delinquency has appeared in its $253 million multifamily book: 3.54% of those loans are past due or on nonaccrual, against almost none a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.1 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Ccfbank N.A. reported a CET1 capital ratio of 12.94%, a return on assets of 0.44%, a nonperforming-loan ratio of 2.28% and a Texas ratio of 13.53%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Ccfbank N.A. is the 17th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.5% to $1.81B, loans rose 1.8% and deposits fell 0.5%. Non-owner-occupied commercial real estate loans made up 27.3% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 18.5%. The FDIC Summary of Deposits lists 21 offices for it, in 20 cities across 2 states; its Altoona office books 17% of its branch deposits. Judged on its Q2 2026 call report, Ccfbank N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 219 Fairfax St, Altoona, WI 54720
- County
- Eau Claire
- Metro Area
- Eau Claire, WI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 10, 2001
- Former names
- Citizens Community Federal National Association (2014-2026)
- Domestic offices
- 22 FDIC institution directory, current count
- Employees (FTE)
- 225
- Domestic deposits
- $1.58B
- Allowance for credit losses
- $25.9M
- Net charge-offs (YTD)
- $1.6M
- Average total assets
- $1.80B
- Average total loans
- $1.36B
- Average interest-bearing deposits
- $1.12B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 10, 2001
- FDIC Cert
- 57265
- Fed RSSD
- 962890
- SEC CIK
- 1367859 → filed by CITIZENS COMMUNITY BANCORP, INC.
- Website
- www.ccf.us →
- Parent Holding Company
- CITIZENS COMMUNITY BANCORP, INC. (RSSD 3823929) · CZWI
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Stephen M Bianchi | CEO | CEO and President |
| James S Broucek | CFO | EVP/CFO/Treasurer/Secretary |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Ccfbank N.A.'s total assets moved between a low of $1.72B (Q3 2025) and a high of $1.85B (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.81B total assets against $1.73B; $1.59B total liabilities against $1.51B.
$1.36B net loans and leases against $1.33B; $1.58B total deposits against $1.50B.
$208.4M securities against $220.2M; $121.8M cash and balances due against $67.5M.
$22.1M total interest income against $22.6M; $7.8M total interest expense against $8.3M.
$14.3M net interest income against $14.3M.
$2.3M total noninterest income against $2.6M; $10.0M total noninterest expense against $10.3M.
$4.3M provision for credit losses against $1.4M.
$2.0M net income against $4.2M.
0.44% return on assets against 0.98%; 3.35% net interest margin against 3.46%.
12.94% CET1 capital ratio against 14.42%; 11.21% tier 1 leverage ratio against 12.22%.
Inside the full Ccfbank N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Ccfbank N.A. rankings
Its closest position to the top of a national ranking is 377 of 3,640, for Texas Ratio; its furthest is 3,296 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.44% (Q2 2026) to 1.12% (Q4 2025) and its net interest margin ran from 2.84% (Q3 2024) to 3.46% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.94% | 0.44% | 2.28% | 13.53% | 3.35% |
| Q1 2026 | 13.15% | 1.04% | 1.28% | 7.57% | 3.28% |
| Q4 2025 | 13.37% | 1.12% | 1.18% | 7.39% | 3.32% |
| Q3 2025 | 14.61% | 1.03% | 1.19% | 6.92% | 3.40% |
| Q2 2025 | 14.42% | 0.98% | 0.90% | 5.70% | 3.46% |
| Q1 2025 | 14.34% | 0.95% | 1.01% | 6.47% | 3.00% |
| Q4 2024 | 14.36% | 0.81% | 0.97% | 6.43% | 3.00% |
| Q3 2024 | 13.79% | 0.92% | 1.09% | 7.73% | 2.84% |
Swipe the table sideways to see every column.
Branch Network
View all 21 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ccfbank N.A. (main office) | Altoona , WI | 54720 | $275.6M |
| Tomah Branch | Tomah , WI | 54660 | $140.2M |
| Spooner Branch | Spooner , WI | 54801 | $111.2M |
| Eau Claire Gateway Drive Office | Eau Claire , WI | 54701 | $102.3M |
| Rice Lake Knapp Street Branch | Rice Lake , WI | 54868 | $98.8M |
| United Bank Osseo Branch | Osseo , WI | 54758 | $89.3M |
| Mankato | Mankato , MN | 56001 | $86.0M |
| Wells Branch | Wells , MN | 56097 | $76.8M |
| Skyline Shopping Center Branch | Albert Lea , MN | 56007 | $71.9M |
| Ellsworth Branch | Ellsworth , WI | 54011 | $69.7M |
| 1500 Superior Avenue Branch | Tomah , WI | 54660 | $62.6M |
| Strum Branch | Strum , WI | 54770 | $52.9M |
| Chippewa Falls Hallie Branch | Chippewa Falls , WI | 54729 | $50.3M |
| Barron Branch | Barron , WI | 54812 | $46.9M |
| La Crosse Branch | La Crosse , WI | 54601 | $43.5M |
| Mondovi Branch | Mondovi , WI | 54755 | $39.8M |
| Blue Earth Branch | Blue Earth , MN | 56013 | $39.1M |
| Ladysmith Branch | Ladysmith , WI | 54848 | $38.1M |
| Fair Mall Shopping Center Branch | Fairmont , MN | 56031 | $31.5M |
| Ettrick Branch | Ettrick , WI | 54627 | $29.0M |
| Oakdale Branch | Oakdale , MN | 55128 | $23.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2019 | M&A | Acquired Farmers & Merchants Bank merger for the acquired bank | SEC |
| July 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2019 | Structure Change | Acquired Farmers & Merchants Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 20, 2018 | M&A | Acquired United Bank merger for the acquired bank | SEC |
| October 20, 2018 | Structure Change | Acquired United Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 19, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 19, 2017 | M&A | Acquired Wells Federal Bank merger for the acquired bank | SEC |
| August 19, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 19, 2017 | Structure Change | Acquired Wells Federal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 17, 2016 | M&A | Acquired Community Bank of Northern Wisconsin merger for the acquired bank | SEC |
| May 17, 2016 | Structure Change | Acquired Community Bank of Northern Wisconsin Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 16, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2005 | M&A | Acquired Community Plus Savings Bank merger for the acquired bank | SEC |
| July 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2005 | Structure Change | Acquired Community Plus Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1999 | M&A | Acquired Hocak Federal Credit Union merger for the acquired bank | SEC |
| July 1, 1999 | Structure Change | Acquired Hocak Federal Credit Union Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1990 | M&A | Acquired Armour Employees Credit Union merger for the acquired bank | SEC |
| January 1, 1990 | Structure Change | Acquired Armour Employees Credit Union Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 19 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 1 against individuals associated with it
- July 9, 2014, OCC: Civil Money Penalty (CMP): Citizens Community Federal National Association
- Period: Most recent institution action July 9, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in WI, rank 23 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 388 applications, 289 loans originated, $127.1M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 32 loans, $26.2M approved, $819K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Ccfbank N.A.
What are Ccfbank N.A.'s total assets?
As of the Q2 2026 filing, Ccfbank N.A. reported total assets of $1.81 billion in its FFIEC call report.
Where is Ccfbank N.A. headquartered?
It is headquartered in Altoona, WI, United States.
When was Ccfbank N.A. founded?
It was established in 2001, per the FDIC institution directory.
Is Ccfbank N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57265). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ccfbank N.A.?
Ccfbank N.A.'s primary federal regulator is the OCC.
What is Ccfbank N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.94% in its Q2 2026 call report, above regulatory requirements.
How many branches does Ccfbank N.A. operate?
It operates 22 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ccfbank N.A.'s Texas Ratio?
Its Texas Ratio is 13.53% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Ccfbank N.A. previously called?
The charter now named Ccfbank N.A. has also operated as Citizens Community Federal National Association (2014-2026), per FDIC structure-change records.
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