Bank First, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank First, N.A. of Manitowoc, WI against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.70% | 1.44% | +0.26% | 77th top |
| ROAE | 12.67% | 12.50% | +0.17% | 52nd above |
| Net Interest Margin | 4.14% | 3.84% | +0.30% | 76th top |
| Efficiency Ratio | 47.36% | 58.88% | -11.52% | 81st top |
| PPNR / Avg Assets | 2.12% | 1.78% | +0.34% | 74th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.64% | 5.71% | -0.07% | 56th above |
| Cost of Funds | 1.58% | 2.03% | -0.45% | 77th top |
| Net Interest Spread | 3.41% | 3.18% | +0.23% | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.53% | 0.96% | -0.43% | 56th above |
| NPA / Total Assets | 0.44% | 0.75% | -0.31% | 53rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.31% | -0.22% | 30th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.25% | -0.01% | 63rd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 235.59% | 699.35% | -463.76% | 61st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.13% | 7.16% | -2.03% | 48th below |
| Provision / NCO | -83.52% | 815.72% | -899.24% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.93% | 17.42% | -6.49% | 9th bottom |
| Tier 1 Ratio | 10.93% | 17.45% | -6.52% | 8th bottom |
| Total Capital Ratio | 12.08% | 18.51% | -6.43% | 10th bottom |
| Leverage Ratio | 9.27% | 11.60% | -2.33% | 18th bottom |
| Equity / Assets | 13.56% | 11.33% | +2.23% | 88th top |
| TCE / Tangible Assets | 9.15% | 10.65% | -1.50% | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.01% | 86.35% | +3.66% | 45th below |
| Core Deposit Ratio | 95.65% | 85.55% | +10.10% | 88th top |
| Uninsured Deposit Ratio | 32.74% | 32.71% | +0.03% | 45th below |
| Wholesale Funding Ratio | 1.35% | 5.46% | -4.11% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 36.22% | 10.43% | +25.79% | 96th top |
| Loan Growth (Y/Y) | 26.24% | 7.97% | +18.27% | 94th top |
| Deposit Growth (Y/Y) | 38.62% | 7.95% | +30.67% | 96th top |
See Bank First, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank First, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank First, N.A. profile, how to read a UBPR, or how this data updates.