Bank First, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income rose 5.4% from Q1 2026 to Q2 2026, ending at -$8.9M against -$9.4M. It was the largest change among the key lines on this page. Bank First, N.A. ranks 76th of 85 Wisconsin banks on CET1 ratio, in the lower half at 10.93% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Bank First, N.A. sits 2.55 points lower, at 10.93% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.93% |
| Tier 1 risk-based capital ratio | 10.93% |
| Total risk-based capital ratio | 12.08% |
| Tier 1 leverage ratio | 9.27% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $526.5M |
| Tier 1 capital | $526.5M |
| Total risk-based capital | $582.2M |
| Total equity capital | $805.9M |
| Risk-weighted assets | $4.82B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.56% |
| Tangible equity to tangible assets | 9.15% |
| Equity capital to average assets | 13.51% |
| Internal capital growth rate | 3.22% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $583.1M |
| Retained earnings | $230.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.02% | 11.02% | 11.94% | 10.20% | $3.62B |
| Q4 2023 | 11.92% | 11.92% | 12.91% | 10.40% | $3.46B |
| Q1 2024 | 11.15% | 11.15% | 12.24% | 9.91% | $3.51B |
| Q2 2024 | 11.17% | 11.17% | 12.32% | 10.07% | $3.53B |
| Q3 2024 | 11.04% | 11.04% | 12.18% | 9.74% | $3.57B |
| Q4 2024 | 11.06% | 11.06% | 12.18% | 9.54% | $3.60B |
| Q1 2025 | 10.99% | 10.99% | 12.14% | 9.34% | $3.67B |
| Q2 2025 | 11.03% | 11.03% | 12.19% | 9.66% | $3.69B |
| Q3 2025 | 10.99% | 10.99% | 12.14% | 9.91% | $3.76B |
| Q4 2025 | 11.17% | 11.17% | 12.33% | 9.85% | $3.73B |
| Q1 2026 | 10.95% | 10.95% | 11.96% | 9.00% | $4.72B |
| Q2 2026 | 10.93% | 10.93% | 12.08% | 9.27% | $4.82B |
Bank First, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank First, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank First, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5304) · FFIEC NIC profile (RSSD 594947)