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 Rosholt, WI against its peer group of 578 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 | 0.70% | 0.85% | -0.15% | 32nd below |
| ROAE Ahead of the peer average, behind the median peer. | 8.28% | 5.23% | +3.05% | 48th below |
| Net Interest Margin | 4.42% | 3.94% | +0.48% | 72nd above |
| Efficiency Ratio | 82.05% | 74.96% | +7.09% | 24th bottom |
| PPNR / Avg Assets | 0.71% | — | — | 25th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.36% | 5.42% | -0.06% | 56th above |
| Cost of Funds | 1.00% | 1.69% | -0.69% | 78th top |
| Net Interest Spread | 3.81% | — | — | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | — | — | 81st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.11% | -0.10% | 27th below |
| ACL / Total Loans | 1.07% | — | — | 36th below |
| Texas Ratio | 0.00% | 7.23% | -7.23% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.02% | 14.13% | -3.11% | 27th below |
| Equity / Assets | 8.92% | 13.07% | -4.15% | 15th bottom |
| TCE / Tangible Assets | 8.92% | — | — | 16th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.79% | 68.58% | +6.21% | 39th below |
| Core Deposit Ratio | 93.64% | 88.79% | +4.85% | 65th above |
| Wholesale Funding Ratio | 4.10% | — | — | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.02% | — | — | 16th bottom |
| Loan Growth (Y/Y) | -1.53% | — | — | 32nd below |
| Deposit Growth (Y/Y) | -0.61% | — | — | 29th below |
See Community First Bank's peers by name
The 578 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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Community First Bank peer analysis.