BANK FIRST, NATIONAL ASSOCIATION

MANITOWOC, WI | Large | Est. Jan. 1, 1894, midnight | FDIC #5304 | RSSD #594947 | OCC
Latest Report: 2025-12-31

BANK FIRST, NATIONAL ASSOCIATION is aln large FDIC-insured commercial bank headquartered in MANITOWOC, WI, established in Jan. 1, 1894, midnight. As of 2025-12-31, the bank reported total assets of $4.5B and total deposits of $3.8B. Profitability stands at 1.70% ROA and 12.63% ROE, with a net interest margin of 3.93%. The bank's CET1 capital ratio is 11.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.16% and a Texas Ratio of 0.90%. FDIC Certificate #5304.

Assets

$4.5B

Deposits

$3.8B

Loans

$3.6B

Equity

$601M

Profitability

Return on Assets (ROA) 1.70%
Return on Equity (ROE) 12.63%
Net Interest Margin (NIM) 3.93%
Yield on Assets 5.52%
Cost of Funds 2.32%

Asset Quality

NPL Ratio 0.16%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.90%
NPA Ratio 0.13%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 11.17%
Tier 1 Capital 11.17%
Total Capital Ratio 12.33%
Leverage Ratio 9.85%
Loan-to-Deposit 96.24%

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