Community First Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community First Bank of Boscobel, WI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.54% | 1.34% | +0.20% | 66th above |
| ROAE | 15.54% | 13.31% | +2.23% | 69th above |
| Net Interest Margin | 3.94% | 3.93% | +0.01% | 50th above |
| Efficiency Ratio | 61.72% | 61.14% | +0.58% | 49th below |
| PPNR / Avg Assets | 1.54% | 1.68% | -0.14% | 47th below |
| Yield on Earning Assets | 5.11% | 5.67% | -0.56% | 27th below |
| Cost of Funds | 1.30% | 1.88% | -0.58% | 80th top |
| Net Interest Spread | 3.41% | 3.32% | +0.09% | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.42% | 0.94% | -0.52% | 49th below |
| NPA / Total Assets | 0.27% | 0.70% | -0.43% | 54th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 49th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.19% | 1.28% | -0.09% | 50th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 283.22% | 1539.52% | -1256.30% | 58th above |
| Texas Ratio | 2.71% | 7.33% | -4.62% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.95% | 12.14% | -1.19% | 50th above |
| Equity / Assets | 10.08% | 11.38% | -1.30% | 46th below |
| TCE / Tangible Assets | 9.17% | 11.09% | -1.92% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.54% | 80.64% | -4.10% | 58th above |
| Core Deposit Ratio | 93.86% | 86.86% | +7.00% | 79th top |
| Wholesale Funding Ratio | 7.13% | 5.03% | +2.10% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.12% | 6.86% | -6.98% | 18th bottom |
| Loan Growth (Y/Y) | 2.85% | 7.91% | -5.06% | 36th below |
| Deposit Growth (Y/Y) | -4.06% | 6.29% | -10.35% | 8th bottom |
See Community First Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community First Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Community First Bank profile, how to read a UBPR, or how this data updates.