# COMMUNITY FIRST BANK
ROSHOLT, WI · FDIC certificate 12512 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $97.6M | |
| Deposits | $84.7M | |
| Loans and leases | $63.3M | |
| Total equity | $8.7M | |
| Loans / deposits | 73.99% (p51 of band) | 73.59% |
| Liquid assets / assets | 31.37% (p47 of band) | |
| Uninsured deposits / deposits | 17.07% (p40 of band) | 19.81% |
| Brokered deposits | 3.42% | |
| Wholesale funding | 7.52% (p80 of band) | |
| FHLB advances / assets | 4.10% | |
| Tier 1 leverage | 11.02% (p40 of band) | 11.76% |
| Unrealized securities loss / equity | -29.94% (p14 of band) | -6.57% |
| AOCI / equity | 0.08% (p88 of band) | |
| ROA (annualized) | 0.70% (p25 of band) | 1.17% |
| Net interest margin | 4.32% (p69 of band) | 3.93% |
| Efficiency ratio | 84.66% (p85 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 90% | |
| Construction % of loans | 57.17% (p83 of band) | |
| Auto loans | $530,000 (0.84% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.6% | |
| Employees | 28 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | losing money |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 | uninsured deposits leaving | capital falling |
| 2016-09 | 0 |  | uninsured deposits leaving |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | capital falling, expense ratio p90 |  |
| 2017-06 | 0 |  | capital falling, expense ratio p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | capital falling, reserve under noncurrent |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 2 | uninsured deposits leaving |  |
| 2018-12 | 3 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2019-03 | 3 |  |  |
| 2019-06 | 0 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 2 | capital falling, construction >100% equity |  |
| 2021-12 | 0 |  | capital falling, construction >100% equity |
| 2022-03 | 2 | AOCI drag >20% of equity, construction >100% equity |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 5 | assets shrinking, uninsured deposits leaving |  |
| 2022-12 | 4 |  | uninsured deposits leaving |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking, uninsured deposits leaving | assets shrinking |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | assets shrinking |  |
| 2024-03 | 3 |  | uninsured deposits leaving, assets shrinking |
| 2024-06 | 2 |  | deposits shrinking |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | capital falling |  |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 | capital falling | construction >100% equity |
| 2026-03 | 0 |  | securities losses >30% of equity, capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-01-02 [How many credit unions acquired banks in 2024? An industry M&A analysis | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRXVobmhmLTlwUVhUSGhzUFNydE44NGZZekt6VlJsa0E0a2cxOV9fTEgwa2tHV0dpTXIxSEI2NUxQTERjeDNLSUlfWkJ4QXdzQzJ4QU9fN2RSUjVpTmJGQmJQSmxJd3NXQ04zSXJWMDU0cC1VenNxcXM4Y3hGXzUwUTAzYzZzeGtzeWU0X2RKN1RVWjhCaUg2QVl4U0xOV01vcUVrOTR1dHFYbTFiMmR0QWtkSzI2TzlLYzJn?oc=5) · American Banker
- 2016-03-02 [Livingston State Bank merging with Community First Bank - SWNews4U](https://news.google.com/rss/articles/CBMinAFBVV95cUxQNE9zM2FLVzJHZXRUY2gwa2szaDcxSm83WmhmY082azgzSDhNVHI2dldtaFFseVVIdWhlNE5YN3ZFY0JWLTFMMDg3SHd0dUxHei1IbUJRTXM5NmZ2bVd6UE9hQ1FaY3AzZmZnR1NEQW9MNFAwT3ZzVXI1Wm1EZExmbWVmYnpORVlaek5HYzdkU0FVYnBweF9JdXVlMzE?oc=5) · SWNews4U
- 2024-06-24 [Credit unions have been buying up banks. Here’s a running list from 2024. - Banking Dive](https://news.google.com/rss/articles/CBMie0FVX3lxTFBOREJfRnRFejN3SWJuYmNiR0NuUUpINThmcE5BbFcxX0xUZnNLRm9ieEw1Uldjb1o3em9FLU4tUjhNV2V6Rm5aZHl6ZFVXZ050dFFOWFV3YjVLX3lBbGxMZFZTX25YSXMwNFMtVDhJZjJqM2NYem9yTGhTMA?oc=5) · Banking Dive
- 2024-09-23 [Google Wallet now supports 47 more US banks (and one new service) - androidpolice.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPNlpuR1J6Q2JwOXFsMExVdW1KWXhaUk1CTXVpdk1vMndxbjBJNWw2TzEza1NPV2FDdE1KU3gwdEdIWjJYUWpQZzZpcXdYaThzZnhaXy1ZYUpINjZaTjhCb001aE9taVdtMklUMkZZVlB3WkFDOUUxNFdudncxX0NfaVNFZk5jR1I0VmlMZE1ka2JoQy1sYXlN?oc=5) · androidpolice.com
- 2018-01-22 [Portage County Business Council to honor banker, attorney, Aspirus, Community First Bank - Stevens Point Journal](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNN3dYa0tjQnBINmY4MzY2TkUwZm5hcUwtc1ZTQXREQ3M1dVhwUURzVUdPRWlKblIzcFphMzBQNFpZOVlYbVpyZk1QMUdBNGg5UWNqWjM0S2VyLXkycEtITWtGWEphYVZIMUkzTk9kbmZrRzlfREdkbXdNV25GbjRhRF9TaDdHWW5RaUJLUmZ5RUZjeHBicmlRMGdSam9tNVY4dmgwb213UTlUa1g3RFN6amhHcFRKNUFFTmp0bmxvZ0E5Y1I2ZVY1a1gxSzhNaXpEX19vV0ZObWpmVnNOT1JaWU5oLTNTaXZyenJya0pHQQ?oc=5) · Stevens Point Journal
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12512 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/32.json (key "12512", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide