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BankFirst Financial Services
Columbus, MS·FDIC Cert #8870·Charter: STATE·Est. 18880601.0·HC: BANKFIRST CAPITAL CORP
Total Assets
$3.3B
Q4 2025
Return on Assets
1.04%
+0.12%Peer avg: 1.26%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
64.82%
Peer avg: 57.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.04%+0.12
ROE
8.28%+0.90
Efficiency
64.82%+0.27
Equity/Assets
0.00%+0.00
NPL Ratio
0.68%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
77.59%+1.64
Charge-offs
0.17%-0.04
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 | 0.8 | 0.9 | 0.9 | 1.0 | 1.0 | 1.0 | 0.9 | 1.0 |
| ROE | 6.5 | 6.8 | 7.1 | 7.6 | 7.8 | 8.2 | 7.4 | 8.3 |
| Efficiency | 70.4 | 68.8 | 68.2 | 66.7 | 66.7 | 65.6 | 64.5 | 64.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.6 | 0.7 | 0.9 | 0.8 | 0.8 | 0.7 | 0.7 |
| Charge-offs | 0.1 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.2 | 0.2 |
| Loan/Deposit | 76.6 | 78.1 | 76.9 | 77.6 | 74.5 | 76.1 | 75.9 | 77.6 |
Balance Sheet
Total Assets$3.3B
Total Deposits$2.8B
Total Loans$2.2B
Total Equity$422.2M
Profitability
ROA1.04%
ROE8.28%
Efficiency Ratio64.82%
Net Income$30.8M
Risk & Asset Quality
NPL Ratio0.68%
Charge-off Rate0.17%
Loan/Deposit77.59%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans