TellerScore

Headquartered in Altoona, Wisconsin, CCFBank National Association is a national bank with $1.8B in total assets and $1.6B in deposits as of Q2 2026. It operates 22 offices across 2 states. Its charter dates back to 2001.

CCFBank National Association has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 897 banks with $1 billion – $10 billion. Among 154 banks headquartered in Wisconsin, it ranks 145th. Problem-loan coverage contributes the most (73/100, 13.3%); loan quality contributes the least (24/100, 2.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Tier 1 leverage ratio: 11.21%
Loan quality24/100
Noncurrent loans ÷ total loans: 2.28%
Earnings49/100
Return on assets (annualized): 0.74%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 86.0% · 30.4% uninsured
Problem-loan coverage73/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.32%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 18 points (68 → 50), mostly because the loan quality component weakened by 46 points.

TellerScore
506070Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202465
Q4 202467
Q1 202567
Q2 202568
Q3 202566
Q4 202564
Q1 202663
Q2 202650
Tier 1 leverage ratio
5.00%8.62%12.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.70%
Q3 202411.71%
Q4 202411.91%
Q1 202512.03%
Q2 202512.22%
Q3 202512.24%
Q4 202511.33%
Q1 202611.32%
Q2 202611.21%
Noncurrent loans
0.60%1.44%2.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.60%
Q3 20241.09%
Q4 20240.97%
Q1 20251.01%
Q2 20250.90%
Q3 20251.19%
Q4 20251.18%
Q1 20261.28%
Q2 20262.28%
Return on assets
0.74%0.90%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20241.02%
Q4 20240.97%
Q1 20250.95%
Q2 20250.96%
Q3 20250.98%
Q4 20251.01%
Q1 20261.03%
Q2 20260.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$1.8B11.21%2.28%0.74%86.0%
Q1 202663$1.8B11.32%1.28%1.03%84.1%
Q4 202564$1.8B11.33%1.18%1.01%85.4%
Q3 202566$1.7B12.24%1.19%0.98%87.9%
Q2 202568$1.7B12.22%0.90%0.96%88.9%
Q1 202567$1.8B12.03%1.01%0.95%86.7%
Q4 202467$1.7B11.91%0.97%0.97%89.6%
Q3 202465$1.8B11.71%1.09%1.02%91.4%
Q2 202470$1.8B11.70%0.60%1.07%91.8%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.21%
64th
Total risk-based capital14.19%
57th
Problem loans2.28%
7th
Net charge-offs0.24%
17th
Return on assets0.74%
16th
Net interest margin3.38%
30th
Efficiency ratio59.9%
47th
Loans to deposits86.0%
53rd
Uninsured deposits30.4%
51st
Loan-loss reserves1.87%
94th
Texas ratio13.3%
9th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Tri City National BankBank Oak Creek, WI71 out of 100, Strong$2.0B11.1%0.51%vs
Horicon BankBank Horicon, WI63 out of 100, Moderate$1.7B9.7%0.93%vs
Waukesha State BankBank Waukesha, WI80 out of 100, Strong$1.6B11.5%0.25%vs
The Park BankBank Madison, WI64 out of 100, Moderate$1.5B10.7%0.24%vs
IncredibleBankBank Wausau, WI57 out of 100, Moderate$2.1B8.3%0.89%vs
Peoples State BankBank Wausau, WI56 out of 100, Moderate$1.5B10.2%1.40%vs

Deposit insurance

Is my money safe at CCFBank National Association?

Yes. CCFBank National Association is an FDIC-insured institution (FDIC certificate #57265). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.4% of deposits ($479.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.21%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.19% (benchmark: 10%).

Check how much of your own balance is covered

22 locations

Branches

CCFBank National Association lists 21 offices in 20 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, CCFBank National Association reported 385 home-loan applications under HMDA (LEI 549300SUC4CLYKKZWS29): 289 originated ($127,075,000 total), 30 denied, and 65 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
CCFBank National Association
Former names
Citizens Community Federal; Citizens Community Federal National Association
Type
National bank
FDIC certificate #
57265
RSSD ID
962890
Primary regulator
OCC
Holding company
Citizens Community Bcorp Inc
Established
December 10, 2001
Headquarters
219 Fairfax St, Altoona, WI 54720
Website
www.ccf.us
Employees
225

Quick answers

CCFBank National Association: common questions

Is CCFBank National Association FDIC insured?

Yes. CCFBank National Association is an FDIC-insured institution (FDIC certificate #57265). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is CCFBank National Association's TellerScore?

50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has CCFBank National Association ever failed?

There is no failure record for FDIC certificate #57265 in the FDIC failed bank list.

How many branches does CCFBank National Association have?

22 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Altoona

InstitutionScoreAssetsCapitalProblem loansCompare
Northwestern BankBank Chippewa Falls, WI80 out of 100, Strong$725.6M11.2%0.03%vs
Dairy State BankBank Rice Lake, WI80 out of 100, Strong$730.3M12.0%0.06%vs
Westconsin Credit UnionCredit union Menomonie, WI78 out of 100, Strong$2.2B12.9%0.64%vs
Wnb Financial, N.A.Bank Winona, MN76 out of 100, Strong$583.7M10.3%0.08%vs
Citizens State Bank of La CrosseBank La Crosse, WI76 out of 100, Strong$648.5M13.4%1.06%vs
Independence State BankBank Independence, WI75 out of 100, Strong$84.2M10.4%0.00%vs