Conservation First Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Conservation First Bank of Benton, WI against its peer group of 2757 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 | 2.91% | 1.25% | +1.66% | 97th top |
| ROAE | 21.51% | 12.22% | +9.29% | 91st top |
| Net Interest Margin | 4.84% | 3.95% | +0.89% | 89th top |
| Efficiency Ratio | 39.56% | 63.71% | -24.15% | 96th top |
| PPNR / Avg Assets | 3.11% | — | — | 96th top |
| Yield on Earning Assets | 7.09% | 5.67% | +1.42% | 96th top |
| Cost of Funds | 2.57% | 1.87% | +0.70% | 13th bottom |
| Net Interest Spread | 4.12% | — | — | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.74% | 0.88% | -0.14% | 36th below |
| NPA / Total Assets | 0.64% | — | — | 33rd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 30th below |
| ACL / Total Loans | 1.28% | — | — | 60th above |
| ACL / NPLs (Coverage) | 173.35% | — | — | 43rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.40% | 5.96% | -1.56% | 38th below |
| Provision / NCO | 750.00% | — | — | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.96% | 11.75% | +2.21% | 81st top |
| Equity / Assets | 13.49% | 10.98% | +2.51% | 81st top |
| TCE / Tangible Assets | 13.49% | — | — | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 109.38% | 80.44% | +28.94% | 4th bottom |
| Core Deposit Ratio | 85.86% | 86.95% | -1.09% | 34th below |
| Wholesale Funding Ratio | 6.36% | — | — | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.12% | — | — | 92nd top |
| Loan Growth (Y/Y) | 13.09% | — | — | 82nd top |
| Deposit Growth (Y/Y) | 15.72% | — | — | 91st top |
See Conservation First Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Conservation 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 Conservation 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 Conservation First Bank peer analysis.