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Bank First, N.A.
Manitowoc, WI·FDIC Cert #5304·Charter: OCC·Est. 18940101.0·HC: BANK FIRST CORP
Total Assets
$4.5B
Q4 2025
Return on Assets
1.64%
+0.01%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
44.43%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.64%+0.01
ROE
12.37%+0.09
Efficiency
44.43%+0.17
Equity/Assets
0.00%+0.00
NPL Ratio
0.25%-0.13
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
95.06%-5.18
Charge-offs
0.03%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.5 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 |
| ROE | 10.8 | 11.1 | 11.3 | 11.6 | 12.7 | 12.2 | 12.3 | 12.4 |
| Efficiency | 48.1 | 46.1 | 45.5 | 44.9 | 43.7 | 44.6 | 44.3 | 44.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.3 | 0.2 | 0.2 | 0.4 | 0.4 | 0.3 |
| Charge-offs | -0.1 | -0.0 | -0.0 | -0.0 | 0.1 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 96.5 | 98.2 | 96.7 | 93.1 | 93.6 | 97.6 | 100.2 | 95.1 |
Balance Sheet
Total Assets$4.5B
Total Deposits$3.8B
Total Loans$3.6B
Total Equity$600.6M
Profitability
ROA1.64%
ROE12.37%
Efficiency Ratio44.43%
Net Income$73.1M
Risk & Asset Quality
NPL Ratio0.25%
Charge-off Rate0.03%
Loan/Deposit95.06%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans