TellerScore

Community First Bank is a state-chartered bank (fed member) headquartered in Boscobel, Wisconsin, in business for about 155 years. At the end of Q2 2026 it reported $634.1M in total assets and $522.4M in deposits, with 10 offices.

Community First Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 56th. Problem-loan coverage contributes the most (96/100, 1.9%); capital cushion contributes the least (60/100, 10.95%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 10.95%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.32%
Earnings81/100
Return on assets (annualized): 1.52%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 75.6% · 22.2% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.88%

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 rose 4 points (74 → 78), mostly because the earnings component improved by 15 points.

TellerScore
707478Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202470
Q4 202472
Q1 202573
Q2 202574
Q3 202576
Q4 202576
Q1 202678
Q2 202678
Tier 1 leverage ratio
5.00%7.98%10.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.81%
Q3 20249.86%
Q4 20249.92%
Q1 20259.91%
Q2 20259.79%
Q3 202510.15%
Q4 202510.41%
Q1 202610.47%
Q2 202610.95%
Noncurrent loans
0.07%0.20%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.25%
Q3 20240.18%
Q4 20240.11%
Q1 20250.13%
Q2 20250.12%
Q3 20250.07%
Q4 20250.11%
Q1 20260.12%
Q2 20260.32%
Return on assets
0.86%1.19%1.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.86%
Q3 20240.87%
Q4 20240.95%
Q1 20251.07%
Q2 20251.16%
Q3 20251.19%
Q4 20251.23%
Q1 20261.50%
Q2 20261.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$634.1M10.95%0.32%1.52%75.6%
Q1 202678$637.6M10.47%0.12%1.50%75.9%
Q4 202576$635.8M10.41%0.11%1.23%74.7%
Q3 202576$629.2M10.15%0.07%1.19%71.0%
Q2 202574$634.8M9.79%0.12%1.16%70.6%
Q1 202573$627.5M9.91%0.13%1.07%72.8%
Q4 202472$600.5M9.92%0.11%0.95%76.2%
Q3 202470$602.5M9.86%0.18%0.87%78.2%
Q2 202470$590.4M9.81%0.25%0.86%77.2%

2,650 peers · $100 million – $1 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 ratio10.95%
49th
Total risk-based capital0.00%
24th
Problem loans0.32%
55th
Net charge-offs-0.00%
80th
Return on assets1.52%
66th
Net interest margin3.91%
48th
Efficiency ratio62.8%
49th
Loans to deposits75.6%
59th
Uninsured deposits22.2%
56th
Loan-loss reserves1.19%
50th
Texas ratio1.9%
59th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens State Bank of La CrosseBank La Crosse, WI76 out of 100, Strong$648.5M13.4%1.06%vs
AbbyBankBank Abbotsford, WI56 out of 100, Moderate$662.2M9.4%1.34%vs
Community State BankBank Union Grove, WI74 out of 100, Strong$667.5M9.6%0.28%vs
The Stephenson National Bank and TrustBank Marinette, WI66 out of 100, Moderate$676.8M10.1%1.15%vs
PyraMax Bank, FSBBank Greenfield, WI67 out of 100, Moderate$588.7M11.2%0.25%vs
PremierBankBank Fort Atkinson, WI70 out of 100, Strong$583.9M9.8%0.24%vs

Deposit insurance

Is my money safe at Community First Bank?

Yes. Community First Bank is an FDIC-insured institution (FDIC certificate #11595). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.2% of deposits ($115.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.95%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Community First Bank lists 10 offices in 10 cities. Most locations:

  • Baraboo, WI (1)
  • Boscobel, WI (1)
  • Fennimore, WI (1)
  • Lancaster, WI (1)
  • Livingston, WI (1)
  • Muscoda, WI (1)
  • Platteville, WI (1)
  • Prairie Du Chien, WI (1)
  • Reedsburg, WI (1)
  • Richland Center, WI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Community First Bank
Former names
Boscobel State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
11595
RSSD ID
175140
Primary regulator
FED
Holding company
Boscobel Bcorp Inc
Established
January 1, 1871
Headquarters
925 Wisconsin Ave, Boscobel, WI 53805
Employees
104

Quick answers

Community First Bank: common questions

Is Community First Bank FDIC insured?

Yes. Community First Bank is an FDIC-insured institution (FDIC certificate #11595). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community First Bank's TellerScore?

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

Has Community First Bank ever failed?

There is no failure record for FDIC certificate #11595 in the FDIC failed bank list.

How many branches does Community First Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Boscobel

InstitutionScoreAssetsCapitalProblem loansCompare
Richland County BankBank Richland Center, WI96 out of 100, Very strong$114.1M17.8%0.00%vs
The Peoples Community BankBank Mazomanie, WI87 out of 100, Very strong$388.8M12.8%0.14%vs
Peoples State BankBank Prairie Du Chien, WI80 out of 100, Strong$993.0M11.5%0.21%vs
Royal BankBank Elroy, WI79 out of 100, Strong$816.1M10.5%0.06%vs
Westby Co-Op Credit UnionCredit union Westby, WI77 out of 100, Strong$1.0B15.6%1.44%vs
Heartland Credit UnionCredit union Madison, WI74 out of 100, Strong$666.8M11.7%0.42%vs