Total Assets
$119M
Total balance-sheet footings
FDIC Cert #14316 · Benton, Wisconsin · Est. 1894
Conservation First Bank - FDIC Bank Health Profile
A community-scale look at Conservation First Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $119M
- Total assets
- A
- Health grade · Excellent
- 1.84%
- Return on assets
- 13.2%
- Tier 1 capital
Data updated July 2026
The verdict
Conservation First Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 13.16% Tier 1, profitable at 1.84% ROA, efficient (59% cost ratio).
- #3,587
- largest of 4,313 FDIC banks by assets
- 17th
- percentile by asset size, nationally
- 13.16%
- Tier 1 ratio - above the 10% well-capitalized line
- 87th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Conservation First Bank's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Conservation First Bank's composite health score
Tier 1 Capital Ratio (13.16%) 35/40
Return on Assets (ROA) (1.84%) 25/25
Texas Ratio (5.38%) 16/20
Efficiency Ratio (59.41%) 12/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$96M
Customer-funded liabilities
Net Loans
$105M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Conservation First Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Conservation First Bank's score of 88/100 falls in the highlighted band.
Conservation First Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Conservation First Bank's $119M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.16% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.16%
Texas Ratio
5.38%
Equity Capital
$16M
Profitability metrics
Return on Assets (ROA)
87th percentile nationally
1.84%
Return on Equity (ROE)
14.54%
Efficiency Ratio
59.41%
What the numbers say about Conservation First Bank
Conservation First Bank is an FDIC-insured institution (Certificate #14316) headquartered in Benton, Wisconsin, established in 1894. It holds $119M in total assets - 3,587th of 4,313 FDIC-insured banks, $96M in customer deposits, and $105M in net loans. Looking at capital strength, Tier 1 stands at 13.16%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 5.38%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (88/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Conservation First Bank ranks 139th of 155 banks based in Wisconsin -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$8M
Interest Income
$518K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Conservation First Bank reports a Texas Ratio of 5.38% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.38% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Wisconsin by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Conservation First Bank (FDIC Cert #14316) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Associated Bank, National AssociationGreen Bay | $45.1B | A | 1.10% |
| Nicolet National BankGreen Bay | $9.2B | A | 1.66% |
| Johnson BankRacine | $7.2B | A | 1.07% |
| Town Bank, National AssociationHartland | $4.5B | A | 1.27% |
| Bank First, N.A.Manitowoc | $4.5B | A | 1.64% |
| First Business BankMadison | $4.1B | B | 1.36% |
| John Deere Financial, f.s.b.Middleton | $3.4B | A | 3.87% |
| Lake Ridge BankMiddleton | $3.3B | B | 0.98% |
Frequently asked questions
What is Conservation First Bank's health grade?▼
Conservation First Bank receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Conservation First Bank?▼
Conservation First Bank holds $119M in total assets and $96M in deposits, ranking 3,587th of 4,313 FDIC-insured banks by asset size. It is headquartered in Benton, Wisconsin.
Is my money safe at Conservation First Bank?▼
Yes, deposits at Conservation First Bank (Certificate #14316) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Conservation First Bank's Tier 1 Capital Ratio?▼
Conservation First Bank has a Tier 1 Capital Ratio of 13.16%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Conservation First Bank?▼
Conservation First Bank has a Texas Ratio of 5.38%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Conservation First Bank?▼
Conservation First Bank has an Efficiency Ratio of 59.41%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Conservation First Bank's profile as a depositor or analyst.
- Conservation First Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Conservation First Bank against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.