Ccfbank N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 2.28% from 1.59% in the prior period. This quarter marks the 25-year anniversary of Ccfbank N.A's 2001 charter. Ccfbank N.A. is a community bank chartered in 2001, based in Altoona, WI, during the Gramm-Leach-Bliley deregulation period. Total assets stand at $1.8B. Returns are subdued: 0.44% ROA and 3.65% ROE. Regulatory capital is solid, 12.94% CET1 and 14.19% total risk-based capital ratio. Credit conditions bear watching: 2.28% NPL ratio with a 15.31% Texas Ratio (elevated but below the 100% concern level). Its footprint covers 22 branches concentrated in Wisconsin.
As of June 30, 2026, Ccfbank N.A. reported a CET1 capital ratio of 12.94%, a return on assets of 0.44%, a nonperforming-loan ratio of 2.28%, a Texas ratio of 15.31%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 219 Fairfax St, Altoona, WI 54720
- County
- Eau Claire
- Metro Area
- Eau Claire, WI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 10, 2001
- Former names
- Citizens Community Federal National Association (2014-2026)
- Offices
- 22 domestic
- Employees (FTE)
- 225
- Domestic deposits
- $1.58B
- Allowance for credit losses
- $25.9M
- Net charge-offs (YTD)
- $1.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 10, 2001
- FDIC Cert
- 57265
- Fed RSSD
- 962890
- SEC CIK
- 1367859 → filed by CITIZENS COMMUNITY BANCORP, INC.
- Website
- www.ccf.us →
- Parent Holding Company
- CITIZENS COMMUNITY BANCORP, INC. (RSSD 3823929) · CZWI
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Bianchi Stephen M | CEO | CEO and President |
| Broucek James S | CFO | EVP/CFO/Treasurer/Secretary |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Ccfbank N.A. terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Ccfbank N.A., 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Ccfbank N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.94% | 0.44% | 2.28% | 15.31% | 3.35% |
| Q1 2026 | 13.15% | 1.04% | 1.59% | 10.74% | 3.28% |
| Q4 2025 | 13.37% | 1.12% | 1.50% | 10.30% | 3.32% |
| Q3 2025 | 14.61% | 1.03% | 1.56% | 10.00% | 3.40% |
| Q2 2025 | 14.42% | 0.98% | 1.33% | 9.08% | 3.46% |
| Q1 2025 | 14.34% | 0.95% | 1.18% | 8.23% | 3.00% |
| Q4 2024 | 14.36% | 0.81% | 1.19% | 8.31% | 3.00% |
| Q3 2024 | 13.79% | 0.92% | 1.31% | 9.76% | 2.84% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 21 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ccfbank N.A. (main office) | Altoona , WI | 54720 | $275.6M |
| Tomah Branch | Tomah , WI | 54660 | $140.2M |
| Spooner Branch | Spooner , WI | 54801 | $111.2M |
| Eau Claire Gateway Drive Office | Eau Claire , WI | 54701 | $102.3M |
| Rice Lake Knapp Street Branch | Rice Lake , WI | 54868 | $98.8M |
| United Bank Osseo Branch | Osseo , WI | 54758 | $89.3M |
| Mankato | Mankato , MN | 56001 | $86.0M |
| Wells Branch | Wells , MN | 56097 | $76.8M |
| Skyline Shopping Center Branch | Albert Lea , MN | 56007 | $71.9M |
| Ellsworth Branch | Ellsworth , WI | 54011 | $69.7M |
| 1500 Superior Avenue Branch | Tomah , WI | 54660 | $62.6M |
| Strum Branch | Strum , WI | 54770 | $52.9M |
| Chippewa Falls Hallie Branch | Chippewa Falls , WI | 54729 | $50.3M |
| Barron Branch | Barron , WI | 54812 | $46.9M |
| La Crosse Branch | La Crosse , WI | 54601 | $43.5M |
| Mondovi Branch | Mondovi , WI | 54755 | $39.8M |
| Blue Earth Branch | Blue Earth , MN | 56013 | $39.1M |
| Ladysmith Branch | Ladysmith , WI | 54848 | $38.1M |
| Fair Mall Shopping Center Branch | Fairmont , MN | 56031 | $31.5M |
| Ettrick Branch | Ettrick , WI | 54627 | $29.0M |
| Oakdale Branch | Oakdale , MN | 55128 | $23.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2019 | M&A | merger | SEC |
| July 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2019 | Structure Change | Acquired Farmers & Merchants Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 20, 2018 | M&A | merger | SEC |
| October 20, 2018 | Structure Change | Acquired United Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 19, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 19, 2017 | M&A | merger | SEC |
| August 19, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 19, 2017 | Structure Change | Acquired Wells Federal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 17, 2016 | M&A | merger | SEC |
| May 17, 2016 | Structure Change | Acquired Community Bank of Northern Wisconsin Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 16, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2005 | M&A | merger | SEC |
| July 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2005 | Structure Change | Acquired Community Plus Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1999 | M&A | merger | SEC |
| July 1, 1999 | Structure Change | Acquired Hocak Federal Credit Union Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1990 | M&A | merger | SEC |
| January 1, 1990 | Structure Change | Acquired Armour Employees Credit Union Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 19 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Ccfbank N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC); 1 against individuals associated with it
- July 9, 2014, OCC: Civil Money Penalty (CMP): Citizens Community Federal National Association
- Period: Most recent institution action July 9, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in WI, rank 23 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 388 applications, 289 loans originated, $127.1M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Ccfbank N.A.
What are Ccfbank N.A.'s total assets?
As of the Q2 2026 filing, Ccfbank N.A. reported total assets of $1.81 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Ccfbank N.A. headquartered?
Ccfbank N.A. is headquartered in Altoona, WI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Ccfbank N.A. founded?
Ccfbank N.A. was established in 2001, per the FDIC institution directory.
Is Ccfbank N.A. FDIC-insured?
Yes. Ccfbank N.A. is an FDIC-insured commercial bank (FDIC Certificate #57265). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ccfbank N.A.?
Ccfbank N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Ccfbank N.A.'s CET1 capital ratio?
Ccfbank N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 12.94% in its Q2 2026 call report, above regulatory requirements.
How many branches does Ccfbank N.A. operate?
Ccfbank N.A. operates 22 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ccfbank N.A.'s Texas Ratio?
Ccfbank N.A.'s Texas Ratio is 15.31% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Ccfbank N.A. previously called?
The charter now named Ccfbank N.A. has also operated as Citizens Community Federal National Association (2014-2026), per FDIC structure-change records.
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