Bank First, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale dropped 50.3% in Q2 2026, from $9.8M to $4.8M. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Bank First, N.A. is 72nd of 153 on loan-to-deposit ratio, 90.01% as of Q2 2026, above the middle of the field. At 90.01%, Bank First, N.A.'s loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.53B |
| Net loans and leases | $4.47B |
| Loans held for sale | $4.8M |
| Loans to total assets | 76.15% |
| Loan-to-deposit ratio | 90.01% |
| Net loans to equity capital | 5.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.88% |
| Multifamily (5+ residential) | 9.98% |
| Commercial and industrial | 16.18% |
| Consumer | 1.34% |
| Credit cards | 0.13% |
| Farm | 5.88% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.56% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 241.34% |
| Construction concentration (Tier 1 capital + allowance) | 41.53% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.97% |
| Interest income on loans | $67.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $3.36B | $3.43B | 34.73% | 13.36% | 1.51% |
| Q4 2023 | $3.35B | $3.47B | 35.04% | 12.09% | 1.52% |
| Q1 2024 | $3.38B | $3.46B | 35.51% | 12.67% | 1.55% |
| Q2 2024 | $3.43B | $3.45B | 34.82% | 12.49% | 1.55% |
| Q3 2024 | $3.48B | $3.55B | 34.57% | 12.66% | 1.60% |
| Q4 2024 | $3.52B | $3.73B | 34.82% | 11.99% | 1.57% |
| Q1 2025 | $3.55B | $3.75B | 34.70% | 12.21% | 1.54% |
| Q2 2025 | $3.59B | $3.63B | 32.30% | 15.37% | 1.61% |
| Q3 2025 | $3.63B | $3.58B | 32.07% | 16.05% | 1.58% |
| Q4 2025 | $3.61B | $3.75B | 32.08% | 15.53% | 1.52% |
| Q1 2026 | $4.53B | $5.13B | 33.68% | 15.71% | 1.36% |
| Q2 2026 | $4.53B | $5.03B | 33.88% | 16.18% | 1.34% |
Bank First, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank First, N.A., freeSource: Call Report Schedule RC-C, 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)