Conservation First Bank
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Data as of · sourced from FFIEC call reports. How we update
Conservation First Bank is an FDIC-insured commercial bank headquartered in Benton, WI, established in 1894 (FDIC certificate 14316), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $127.5M, up 16.1% from Q2 2025, the 136th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.96% 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
- 14316
- Headquarters
- Benton, WI
- Established
- 1894
- Total assets, Q2 2026
- $127.5M
- Assets vs Q2 2025
- +16.1%
- Tier 1 leverage ratio, Q2 2026
- 13.96%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 075904513
- Latest call report
- Q2 2026, FFIEC 051 · Conservation First Bank call report
- Holding company
- BSB COMMUNITY BANCORPORATION, INC.
- Asset rank in state
- 136th of 153 in Wisconsin
Conservation First Bank is one of the more profitable banks of its size. Its balance sheet stood at $127 million at June 30, 2026, up 16.1% from a year earlier; it is based in Benton, Wisconsin. It earns about $2.91 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $900,000, 85% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.74% of loans, down from 0.87% a year earlier. Funding is the softer spot: it pays an average of 2.57% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Conservation First Bank reported a return on assets of 2.91%, a nonperforming-loan ratio of 0.74% and a Texas ratio of 4.40%. The figures come from its call report filed with the FFIEC.
Conservation First Bank ranks as the 136th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.6% to $127.5M, loans rose 6.4% and deposits rose 0.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 36.7% of total loans, followed by farmland and other real estate loans at 19.7%. The FDIC Summary of Deposits lists 3 offices for it, in Benton, WI, Potosi, WI and Shullsburg, WI; its Benton office books 65% of its branch deposits. By the capital ratios in its Q2 2026 call report, Conservation First Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 42 W Main St, Benton, WI 53803
- County
- Lafayette
- 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
- December 5, 1894
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $101.3M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $123.8M
- Average total loans
- $105.5M
- Average interest-bearing deposits
- $82.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 5, 1934
- FDIC Cert
- 14316
- Fed RSSD
- 208347
- SEC CIK
- 1337277 → filed by BSB COMMUNITY BANCORPORATION, INC.
- Website
- conservationfirstbank.com →
- Parent Holding Company
- BSB COMMUNITY BANCORPORATION, INC. (RSSD 2983246)
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, Conservation First Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Conservation First Bank's total assets moved between a low of $83.1M (Q3 2023) and a high of $127.5M (Q2 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
$127.5M total assets against $109.8M; $110.3M total liabilities against $95.3M.
$109.4M net loans and leases against $96.7M; $101.3M total deposits against $87.5M.
$9.1M securities against $2.5M; $5.1M cash and balances due against $6.7M.
$2.1M total interest income against $1.8M; $676K total interest expense against $565K.
$1.5M net interest income against $1.2M.
$140K total noninterest income against $135K; $632K total noninterest expense against $795K.
$60K provision for credit losses against $95K.
$900K net income against $486K.
2.91% return on assets against 1.82%; 4.84% net interest margin against 4.80%.
13.96% tier 1 leverage ratio against 13.65%.
Inside the full Conservation First Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Conservation First Bank rankings
Its closest position to the top of a national ranking is 82 of 3,611, for ROA; its furthest is 3,462 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.32% (Q1 2026) to 2.91% (Q2 2026) and its net interest margin ran from 4.56% (Q1 2026) to 5.17% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.96% | 2.91% | 0.74% | 4.40% | 4.84% |
| Q1 2026 | 13.38% | 1.32% | 0.82% | 4.83% | 4.56% |
| Q4 2025 | 13.16% | 1.62% | 0.85% | 5.38% | 4.85% |
| Q3 2025 | 13.46% | 1.94% | 1.09% | 6.51% | 4.66% |
| Q2 2025 | 13.65% | 1.82% | 0.87% | 5.39% | 4.80% |
| Q1 2025 | 12.17% | 2.03% | 0.13% | 0.88% | 4.74% |
| Q4 2024 | 12.31% | 1.87% | 0.03% | 0.22% | 4.77% |
| Q3 2024 | 9.38% | 1.96% | 0.04% | 0.31% | 5.17% |
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 |
|---|---|---|---|
| Conservation First Bank (main office) | Benton , WI | 53803 | $65.7M |
| Potosi Branch | Potosi , WI | 53820 | $18.5M |
| Shullsburg Branch | Shullsburg , WI | 53586 | $17.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WI, rank 154 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $2.6M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Conservation First Bank
What are Conservation First Bank's total assets?
As of the Q2 2026 filing, Conservation First Bank reported total assets of $127.5 million in its FFIEC call report.
Where is Conservation First Bank headquartered?
It is headquartered in Benton, WI, United States.
When was Conservation First Bank founded?
It was established in 1894, per the FDIC institution directory.
Is Conservation First Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14316). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Conservation First Bank?
Conservation First Bank's primary federal regulator is the FDIC.
How many branches does Conservation 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 Conservation First Bank's Texas Ratio?
Its Texas Ratio is 4.40% 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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