Ccfbank National Assn (FDIC #57265): Bank Stress & Real-Estate Credit Exposure
Ccfbank National Assn (FDIC Cert #57265): bank stress 69/100, elevated, STABLE over 7 days; parent CITIZENS COMMUNITY BCORP INC.
Ccfbank National Assn (#57265) lends in 15 counties across 2 states; Ccfbank National Assn (#57265) reaches 184 ZIP codes: Wisconsin 10 counties, 108 ZIPs; Minnesota 5 counties, 76 ZIPs.
Ccfbank National Assn (#57265) largest markets: Blue Earth County, MN (20 branches, 20 ZIPs) (#57265), Washington County, MN (19 branches, 19 ZIPs) (#57265), Barron County, WI (38 branches, 19 ZIPs) (#57265), Freeborn County, MN (18 branches, 18 ZIPs) (#57265), Martin County, MN (15 branches, 15 ZIPs) (#57265), Eau Claire County, WI (30 branches, 15 ZIPs) (#57265).
Ccfbank National Assn (#57265) reports $1.81 billion in total assets; Ccfbank National Assn (#57265) equity $217.6 million (12.0% of Ccfbank National Assn (#57265) assets); Ccfbank National Assn (#57265) domestic deposits $1.58 billion; Ccfbank National Assn (#57265) net income $6.6 million; Ccfbank National Assn (#57265) return on assets 0.74%; Ccfbank National Assn (#57265) return on equity 6.14%; Ccfbank National Assn (#57265) net interest income $28.0 million; Ccfbank National Assn (#57265) call report June 30, 2026.
Ccfbank National Assn (#57265) noncurrent real-estate loans 0.10% of its book; Ccfbank National Assn (#57265) residential 0.20%; Ccfbank National Assn (#57265) net charge-offs on real estate 2.47%; Ccfbank National Assn (#57265) multifamily charge-offs 3.54%; Ccfbank National Assn (#57265) residential charge-offs 2.72%.
Ccfbank National Assn (#57265) net interest margin 3.38% against an eight-quarter Ccfbank National Assn (#57265) average of 3.25% (Ccfbank National Assn (#57265) compression -0.14 points); Ccfbank National Assn (#57265) real-estate loans 9.7% of equity; Ccfbank National Assn (#57265) non-residential real estate 271.6% of equity; Ccfbank National Assn (#57265) rate-exposure score 40/100, Ccfbank National Assn (#57265) fixed-rate trap 40/100; Ccfbank National Assn (#57265) risk type credit driven; Ccfbank National Assn (#57265) rate regime rates elevated, Ccfbank National Assn (#57265) snapshot October 20, 2026.
Ccfbank National Assn (#57265) stress score moved from 61.3 on June 22, 2026 to 68.7 on October 20, 2026; Ccfbank National Assn (#57265) ranged 61.3 to 68.7 over 117 snapshots.
Ccfbank National Assn (#57265) alerts: 15 counties; top Ccfbank National Assn (#57265) alert scores: Eau Claire County, WI 42 (moderate); La Crosse County, WI 35 (low); Albert Lea County, WI 23 (low); Chippewa Falls County, WI 23 (low); Ellsworth County, WI 23 (low).