BanksBANKFIRST FINANCIAL SERVICES

BANKFIRST FINANCIAL SERVICES

MACON, MSLargeEst. June 1, 1888, midnightFDIC #8870RSSD #914648FED
Latest · 2025-12-31

BANKFIRST FINANCIAL SERVICES is an FDIC-insured commercial bank headquartered in MACON, MS, established in June 1, 1888, midnight. As of 2025-12-31, the bank reported total assets of $3.3B and total deposits of $2.8B. Profitability stands at 1.33% ROA and 10.49% ROE, with a net interest margin of 3.85%. CET1 capital ratio: 10.21%, well above regulatory minimums. NPL ratio: 0.65% · Texas Ratio: 3.19%. Operates 38 domestic branches.

Assets
$3.3B
Deposits
$2.8B
Loans
$2.2B
Equity
$422M

Profitability

Return on Assets (ROA)1.33%
Return on Equity (ROE)10.49%
Net Interest Margin3.85%
Yield on Assets5.53%
Cost of Funds1.80%

Asset Quality

NPL Ratio0.65%
Net Charge-Off Ratio0.15%
Texas Ratio3.19%
NPA Ratio0.44%
ACL / Loans1.31%

Capital & Liquidity

CET1 Ratio10.21%
Tier 1 Capital10.21%
Total Capital Ratio10.72%
Leverage Ratio10.35%
Loan-to-Deposit78.61%

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