Community First Bank: 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: 254.46 percentage points lower than in Q1 2026, at 283.22%. Within Wisconsin, Community First Bank is 47th of 153 on return on assets, 1.54% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Community First Bank sits 0.29 points higher, at 1.54% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.95% |
| Equity capital to assets | 10.08% |
| Tangible equity to tangible assets | 9.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.42% |
| Non-performing assets ratio | 0.27% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.71% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 283.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 15.54% |
| Net interest margin | 3.94% |
| Efficiency ratio | 61.72% |
| Yield on earning assets | 5.11% |
| Cost of funds | 1.30% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.54% |
| Core deposits to total deposits | 93.86% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.39% |
| Securities to assets | 26.07% |
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 | 13.49% | 13.49% | 14.49% | 9.78% | 0.68% |
| Q4 2023 | 13.37% | 13.37% | 14.38% | 9.79% | 0.72% |
| Q1 2024 | 13.00% | 13.00% | 14.00% | 9.69% | 0.74% |
| Q2 2024 | 13.03% | 13.03% | 14.02% | 9.81% | 0.93% |
| Q3 2024 | 13.29% | 13.29% | 14.32% | 9.86% | 0.88% |
| Q4 2024 | 13.40% | 13.40% | 14.42% | 9.92% | 1.13% |
| Q1 2025 | 13.23% | 13.23% | 14.27% | 9.91% | 1.05% |
| Q2 2025 | 13.62% | 13.62% | 14.68% | 9.79% | 1.21% |
| Q3 2025 | 14.25% | 14.25% | 15.36% | 10.15% | 1.25% |
| Q4 2025 | 14.14% | 14.14% | 15.25% | 10.41% | 1.33% |
| Q1 2026 | 14.34% | 14.34% | 15.46% | 10.47% | 1.48% |
| Q2 2026 | — | — | — | 10.95% | 1.54% |
Community First Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community First Bank, 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 Community First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11595) · FFIEC NIC profile (RSSD 175140)