BanksBANK FIRST, NATIONAL ASSOCIATION

BANK FIRST, NATIONAL ASSOCIATION

MANITOWOC, WILargeEst. Jan. 1, 1894, midnightFDIC #5304RSSD #594947OCC
Latest · 2025-12-31

BANK FIRST, NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 11.17%, well above regulatory minimums. NPL ratio: 0.16% · Texas Ratio: 0.90%. Operates 27 domestic branches.

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 Margin3.93%
Yield on Assets5.52%
Cost of Funds1.70%

Asset Quality

NPL Ratio0.16%
Net Charge-Off Ratio0.03%
Texas Ratio0.90%
NPA Ratio0.13%
ACL / Loans1.23%

Capital & Liquidity

CET1 Ratio11.17%
Tier 1 Capital11.17%
Total Capital Ratio12.33%
Leverage Ratio9.85%
Loan-to-Deposit96.24%

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