Community First Bank (Boscobel, WI)
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Data as of · sourced from FFIEC call reports. How we update
Community First Bank is an FDIC-insured commercial bank headquartered in Boscobel, WI, established in 1871 (FDIC certificate 11595), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $634.1M, down 0.1% from Q2 2025, the 53rd largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.95% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 11595
- Headquarters
- Boscobel, WI
- Established
- 1871
- Total assets, Q2 2026
- $634.1M
- Assets vs Q2 2025
- -0.1%
- Tier 1 leverage ratio, Q2 2026
- 10.95%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 075903226
- Holding company
- BOSCOBEL BANCORP, INC.
- Asset rank in state
- 53rd of 153 in Wisconsin
Community First Bank, based in Boscobel, Wisconsin, reported $634 million in assets at June 30, 2026. It lost 4.1% of its deposits over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also pays an average of 1.30% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Net income for the quarter rose 26% from a year earlier, to $2.4 million. Over the same year, loans grew 2.8% and deposits shrank 4.1%. One more trend to watch: problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.32% of loans, against 0.12% a year earlier.
As of June 30, 2026, Community First Bank reported a return on assets of 1.54%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 2.07%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Community First Bank is the 53rd largest of the 153 banks headquartered in Wisconsin. Between Q1 2026 and Q2 2026, its total assets fell 0.6% to $634.1M, loans fell 2.0% and deposits fell 1.6%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 19.9% of total loans, ahead of 1-4 family residential loans at 18.5%. Its 10 offices in the FDIC Summary of Deposits are in 10 cities in WI; its Livingston office books 21% of its branch deposits. On its Q2 2026 call report, Community First Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 925 Wisconsin Ave, Boscobel, WI 53805
- County
- Grant
- Metro Area
- Platteville, WI
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1871
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 104
- Domestic deposits
- $522.4M
- Allowance for credit losses
- $4.8M
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $634.8M
- Average total loans
- $403.5M
- Average interest-bearing deposits
- $338.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11595
- Fed RSSD
- 175140
- Website
- www.cfbank.com →
- Parent Holding Company
- BOSCOBEL BANCORP, INC. (RSSD 1492291)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Community First Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Community First Bank's total assets moved between a low of $576.0M (Q3 2023) and a high of $637.6M (Q1 2026) 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
$634.1M total assets against $634.8M; $570.2M total liabilities against $579.2M.
$395.1M net loans and leases against $384.4M; $522.4M total deposits against $544.6M.
$165.3M securities against $166.5M; $36.4M cash and balances due against $47.0M.
$7.5M total interest income against $7.5M; $1.8M total interest expense against $2.1M.
$5.8M net interest income against $5.4M.
$928K total noninterest income against $753K; $4.3M total noninterest expense against $4.1M.
$0 provision for credit losses against $126K.
$2.4M net income against $1.9M.
1.54% return on assets against 1.21%; 3.94% net interest margin against 3.57%.
10.95% tier 1 leverage ratio against 9.79%.
Inside the full Community First Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity First Bank rankings
Its closest position to the top of a national ranking is 1,209 of 3,611, for ROA; its furthest is 2,238 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.88% (Q3 2024) to 1.54% (Q2 2026) and its net interest margin ran from 3.34% (Q3 2024) to 3.94% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.95% | 1.54% | 0.32% | 2.07% | 3.94% |
| Q1 2026 | 10.47% | 1.48% | 0.12% | 0.80% | 3.82% |
| Q4 2025 | 10.41% | 1.33% | 0.11% | 0.77% | 3.79% |
| Q3 2025 | 10.15% | 1.25% | 0.07% | 0.49% | 3.65% |
| Q2 2025 | 9.79% | 1.21% | 0.12% | 1.03% | 3.57% |
| Q1 2025 | 9.91% | 1.05% | 0.13% | 1.02% | 3.47% |
| Q4 2024 | 9.92% | 1.13% | 0.11% | 0.95% | 3.48% |
| Q3 2024 | 9.86% | 0.88% | 0.18% | 1.42% | 3.34% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| Livingston Branch | Livingston , WI | 53554 | $111.7M |
| Community First Bank (main office) | Boscobel , WI | 53805 | $94.0M |
| Reedsburg Branch | Reedsburg , WI | 53959 | $73.7M |
| Richland Center Branch | Richland Center , WI | 53581 | $63.1M |
| Lancaster Branch | Lancaster , WI | 53813 | $52.5M |
| Baraboo Branch | Baraboo , WI | 53913 | $40.5M |
| Muscoda Branch | Muscoda , WI | 53573 | $36.3M |
| Platteville Main Street Office Branch | Platteville , WI | 53818 | $25.5M |
| Prairie Du Chien Branch | Prairie Du Chien , WI | 53821 | $14.1M |
| Fennimore Branch | Fennimore , WI | 53809 | $11.0M |
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 |
|---|---|---|---|
| December 3, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 3, 2016 | Structure Change | Acquired Livingston State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 23, 1938 | Structure Change | Acquired Woodman State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, BOSCOBEL BANCORP, INC., not the bank itself
- December 23, 2010, Federal Reserve: Written Agreement: Boscobel Bancorp, Inc., Boscobel, Wisconsin; Community First Bank, Boscobel, Wisconsin
- Period: Most recent institution action December 23, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in WI, rank 60 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $60K approved, $60K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 Community First Bank
What are Community First Bank's total assets?
As of the Q2 2026 filing, Community First Bank reported total assets of $634.1 million in its FFIEC call report.
Where is Community First Bank headquartered?
It is headquartered in Boscobel, WI, United States.
When was Community First Bank founded?
It was established in 1871, per the FDIC institution directory.
Is Community First Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11595). 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 Federal Reserve.
How many branches does Community First Bank operate?
It operates 10 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?
Its Texas Ratio is 2.07% 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.
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