Community First Bank (Rosholt, 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 Rosholt, WI, established in 1904 (FDIC certificate 12512), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $97.6M, down 3.0% from Q2 2025, the 143rd largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.02% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12512
- Headquarters
- Rosholt, WI
- Established
- 1904
- Total assets, Q2 2026
- $97.6M
- Assets vs Q2 2025
- -3.0%
- Tier 1 leverage ratio, Q2 2026
- 11.02%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 075906702
- Holding company
- ROSHOLT BANCORPORATION, INC.
- Asset rank in state
- 143rd of 153 in Wisconsin
Community First Bank, based in Rosholt, Wisconsin, reported $98 million in assets at June 30, 2026, down 3.0% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). On the other hand, it holds commercial real estate loans worth 0.9 times its capital, about triple the median of 26% for banks its size.
Earnings jumped: net income for the quarter was $180,000, 35% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.6 million equal 23% of Tier 1 capital, down from 36% a year earlier. Costs are the weak spot: it spends about 82 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, Community First Bank reported a return on assets of 0.70%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Community First Bank is the 143rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.7% to $97.6M, loans rose 3.0% and deposits rose 1.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 40.1% of total loans, ahead of owner-occupied commercial real estate loans at 27.9%. Its 3 offices in the FDIC Summary of Deposits are in Stevens Point, WI, Rosholt, WI and Elderon, WI; its Stevens Point office books 48% of its branch deposits. By the capital ratios in its Q2 2026 call report, Community First Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 275 W Grand Ave, Rosholt, WI 54473
- County
- Portage
- Metro Area
- Stevens Point-Plover, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1904
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $84.7M
- Allowance for credit losses
- $676K
- Net charge-offs (YTD)
- $0
- Average total assets
- $103.0M
- Average total loans
- $62.2M
- Average interest-bearing deposits
- $53.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12512
- Fed RSSD
- 62147
- Website
- www.cfbwi.bank →
- Parent Holding Company
- ROSHOLT BANCORPORATION, INC. (RSSD 1210422)
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
From Q3 2023 to Q2 2026, Community First Bank's total assets ranged from $97.6M (Q2 2026) to $106.3M (Q4 2025), 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
$97.6M total assets against $100.7M; $88.9M total liabilities against $93.7M.
$62.6M net loans and leases against $63.6M; $84.7M total deposits against $85.2M.
$28.3M securities against $30.0M; $2.3M cash and balances due against $2.8M.
$1.3M total interest income against $1.2M; $228K total interest expense against $242K.
$1.0M net interest income against $951K.
$136K total noninterest income against $127K; $998K total noninterest expense against $945K.
$3K provision for credit losses against $0.
$180K net income against $133K.
0.70% return on assets against 0.52%; 4.42% net interest margin against 4.01%.
11.02% tier 1 leverage ratio against 10.55%.
Inside the full Community First Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.21% (Q1 2025) to 1.10% (Q4 2025) and its net interest margin ran from 3.76% (Q3 2024) to 4.42% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.02% | 0.70% | 0.00% | 0.00% | 4.42% |
| Q1 2026 | 10.49% | 0.65% | 0.00% | 0.00% | 4.11% |
| Q4 2025 | 10.43% | 1.10% | 0.00% | 0.00% | 4.36% |
| Q3 2025 | 10.43% | 0.66% | 0.01% | 0.72% | 4.16% |
| Q2 2025 | 10.55% | 0.52% | 0.08% | 0.66% | 4.01% |
| Q1 2025 | 10.36% | 0.21% | 0.08% | 0.61% | 3.82% |
| Q4 2024 | 10.44% | 0.25% | 0.08% | 0.60% | 3.82% |
| Q3 2024 | 10.89% | 0.63% | 0.00% | 0.00% | 3.76% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Highway 10 Branch | Stevens Point , WI | 54482 | $40.9M |
| Community First Bank (main office) | Rosholt , WI | 54473 | $32.4M |
| Elderon Branch | Elderon , WI | 54429 | $11.3M |
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, ROSHOLT BANCORPORATION, INC., not the bank itself
- March 1, 2011, Federal Reserve: Written Agreement: Rosholt Bancorporation, Inc., Rosholt, Wisconsin
- Period: Most recent institution action March 1, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in WI, rank 163 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 20 applications, 16 loans originated, $2.5M originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (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 Community First Bank
What are Community First Bank's total assets?
As of the Q2 2026 filing, Community First Bank reported total assets of $97.6 million in its FFIEC call report.
Where is Community First Bank headquartered?
It is headquartered in Rosholt, WI, United States.
When was Community First Bank founded?
It was established in 1904, per the FDIC institution directory.
Is Community First Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12512). 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 FDIC.
How many branches does Community First Bank operate?
It operates 3 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 0.00% 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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