CCFBank National Association
Altoona, Wisconsin, Eau Claire County
$1.8B in total assets, the 663rd largest of 4,309 US banks and 17th of 155 headquartered in Wisconsin.
- FDIC certificate
- 57265
- Established
- 2001
- Owned by
- Citizens Community Bcorp Inc
- Primary regulator
- OCC
- Website
- www.ccf.us
At a glance
Compared with 29 banks headquartered in Wisconsin with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.8B | 52% | $1.7B | |
| Loans | $1.4B | 55% | $1.3B | |
| Deposits | $1.6B | 59% | $1.4B | |
| Return on assets | 0.90% | 17% | 1.27% | |
| Net interest margin | 3.38% | 28% | 3.75% | |
| Efficiency ratio | 59.9% | 48% | 60.3% | |
| Equity to assets | 12.01% | 59% | 10.46% | |
| Loans to deposits | 88% | 17% | 94% |
Growth
Total assets grew 1.1% a year over the last 5 years and 9.6% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2019 | Farmers & Merchants Bank Tomah, WI | $192M |
| Oct 2018 | United Bank Osseo, WI | $269M |
| Aug 2017 | Wells Federal Bank Wells, MN | $267M |
| May 2016 | Community Bank of Northern Wisconsin Rice Lake, WI | $154M |
| Jul 2005 | Community Plus Savings Bank Rochester Hills, MI | $46M |
Where they operate
21 branches in 15 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Eau Claire County, WI | $378M | 15.7% | 2 of 16 |
| Monroe County, WI | $203M | 21.3% | 3 of 8 |
| Trempealeau County, WI | $171M | 23.6% | 1 of 9 |
| Barron County, WI | $146M | 10.7% | 5 of 8 |
| Faribault County, MN | $116M | 16.5% | 2 of 7 |
| Washburn County, WI | $111M | 23.5% | 2 of 5 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 4 branches since 2016 (17 to 21, +23.5%). 4 opened, 20 acquired, 20 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 17 | |||
| 2016 | Acquired Community Bank of Northern WisconsinOpened Barron, closed 7 in 2 states | 6 | 7 | −1 | 16 |
| 2017 | Acquired Wells Federal BankOpened Mankato, closed 3 in 3 states | 8 | 3 | +5 | 21 |
| 2018 | Acquired United BankOpened Ellsworth, closed Rice Lake and Rochester Hills | 7 | 2 | +5 | 26 |
| 2019 | Acquired Farmers & Merchants Bank | 2 | 0 | +2 | 28 |
| 2020 | Closed 3 in 2 states | 0 | 3 | −3 | 25 |
| 2022 | Opened La CrosseClosed 3 in 2 states | 1 | 3 | −2 | 23 |
| 2024 | Closed Saint Peter | 0 | 1 | −1 | 22 |
| 2025 | Closed Faribault | 0 | 1 | −1 | 21 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 46% | 31% | |
| Multifamily | 18% | 14% | |
| 1-4 family residential | 15% | 23% | |
| Business (C&I) | 7% | 12% | |
| Farmland | 5% | 2% | |
| Construction and land | 5% | 8% | |
| Agricultural | 2% | 4% | |
| Consumer | 1% | 3% | |
| Other | 1% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 59% | 51% | |
| Time deposits | 22% | 30% | |
| Noninterest-bearing | 19% | 19% |
Brokered deposits are 0.3% of deposits (peers 6.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 2.01% | 0.34% |
| Net charge-offs, annualized | 0.24% | 0.01% |
| Reserves to loans | 1.87% | 1.05% |
| Leverage ratio | 11.21% | 10.74% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Wisconsin
Largest competitors in Eau Claire County, WI
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/ccfbank