Ccfbank N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 24.43 percentage points lower than in Q1 2026, at 82.06%. Ccfbank N.A. has the 10th lowest return on assets of the 153 banks headquartered in Wisconsin, at 0.44% as of Q2 2026. Against a median of 1.28% for banks in the $1B-10B asset tier, Ccfbank N.A. reported 0.44% on return on assets in Q2 2026, 0.83 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.94% |
| Tier 1 risk-based capital ratio | 12.94% |
| Total risk-based capital ratio | 14.19% |
| Tier 1 leverage ratio | 11.21% |
| Equity capital to assets | 12.01% |
| Tangible equity to tangible assets | 10.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.28% |
| Non-performing assets ratio | 1.79% |
| Net charge-off ratio | 0.42% |
| Texas ratio | 15.31% |
| Allowance for credit losses to loans | 1.87% |
| Reserve coverage of non-performing loans | 82.06% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.44% |
| Return on equity | 3.65% |
| Net interest margin | 3.35% |
| Efficiency ratio | 59.73% |
| Yield on earning assets | 5.19% |
| Cost of funds | 2.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.61% |
| Core deposits to total deposits | 96.44% |
| Brokered deposits to total deposits | 0.33% |
| Deposits to assets | 87.20% |
| Securities to assets | 11.50% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.32% | 13.32% | 14.57% | 11.60% | 0.75% |
| Q4 2023 | 13.37% | 13.37% | 14.61% | 11.52% | 1.00% |
| Q1 2024 | 13.66% | 13.66% | 14.91% | 11.69% | 1.10% |
| Q2 2024 | 13.75% | 13.75% | 15.00% | 11.70% | 1.04% |
| Q3 2024 | 13.79% | 13.79% | 15.00% | 11.71% | 0.92% |
| Q4 2024 | 14.36% | 14.36% | 15.58% | 11.91% | 0.81% |
| Q1 2025 | 14.34% | 14.34% | 15.59% | 12.03% | 0.95% |
| Q2 2025 | 14.42% | 14.42% | 15.67% | 12.22% | 0.98% |
| Q3 2025 | 14.61% | 14.61% | 15.87% | 12.24% | 1.03% |
| Q4 2025 | 13.37% | 13.37% | 14.62% | 11.33% | 1.12% |
| Q1 2026 | 13.15% | 13.15% | 14.41% | 11.32% | 1.04% |
| Q2 2026 | 12.94% | 12.94% | 14.19% | 11.21% | 0.44% |
Ccfbank N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ccfbank N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Ccfbank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57265) · FFIEC NIC profile (RSSD 962890)