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Conservation First Bank
Benton, WI · FDIC Certificate #14316 · Chartered 12/0
Total assets
$127.46M
Total deposits
$101.30M
Total equity
$17.19M
Net loans
$109.38M
Branches (offices)
3
Net income (YTD)
$1.30M
Rank: #3,475 of 4,213 U.S. banks by assets · #136 of 153 in Wisconsin. Assets changed 16.1% and deposits 15.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.12% |
| Return on equity | 15.97% |
| Net interest margin (YTD) | 4.75% |
| Equity to assets | 13.49% |
| Tier 1 leverage ratio | 13.96% |
| Uninsured deposits (share of deposits) | 19.9% |
| Noncurrent loans (share of loans) | 0.74% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 108.0% |
| Real estate loans (share of loans) | 85.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $93.78M | 85.7% | |
| Commercial & industrial | $4.21M | 3.8% | |
| Consumer / individual | $1.98M | 1.8% | |
| Construction & development | $6.29M | 5.8% | |
| Agricultural | $8.59M | 7.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $78.60M | $67.85M | $352.00K | $7.26M |
| Jun 2023 | $82.30M | $70.96M | $341.00K | $7.89M |
| Jun 2024 | $96.86M | $76.95M | $581.00K | $8.71M |
| Jun 2025 | $109.76M | $87.54M | $1.03M | $14.50M |
| Jun 2026 | $127.46M | $101.30M | $1.30M | $17.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $101.30M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $101.30M.
Similar-sized banks
Hodge Bank & Trust Company ($127.62M) · Brantley Bank And Trust Company ($126.86M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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