Bank First, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 18.95 percentage points lower than in Q1 2026, at 235.59%. Bank First, N.A. ranks 32nd of 153 Wisconsin banks on return on assets, in the upper half at 1.70% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Bank First, N.A. sits 0.43 points higher, at 1.70% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.93% |
| Tier 1 risk-based capital ratio | 10.93% |
| Total risk-based capital ratio | 12.08% |
| Tier 1 leverage ratio | 9.27% |
| Equity capital to assets | 13.56% |
| Tangible equity to tangible assets | 9.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.53% |
| Non-performing assets ratio | 0.44% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 5.13% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | 235.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.70% |
| Return on equity | 12.67% |
| Net interest margin | 4.14% |
| Efficiency ratio | 47.36% |
| Yield on earning assets | 5.64% |
| Cost of funds | 1.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.01% |
| Core deposits to total deposits | 95.65% |
| Brokered deposits to total deposits | 0.30% |
| Deposits to assets | 84.60% |
| Securities to assets | 10.23% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.02% | 11.02% | 11.94% | 10.20% | 1.53% |
| Q4 2023 | 11.92% | 11.92% | 12.91% | 10.40% | 3.52% |
| Q1 2024 | 11.15% | 11.15% | 12.24% | 9.91% | 1.54% |
| Q2 2024 | 11.17% | 11.17% | 12.32% | 10.07% | 1.62% |
| Q3 2024 | 11.04% | 11.04% | 12.18% | 9.74% | 1.61% |
| Q4 2024 | 11.06% | 11.06% | 12.18% | 9.54% | 1.65% |
| Q1 2025 | 10.99% | 10.99% | 12.14% | 9.34% | 1.64% |
| Q2 2025 | 11.03% | 11.03% | 12.19% | 9.66% | 1.57% |
| Q3 2025 | 10.99% | 10.99% | 12.14% | 9.91% | 1.69% |
| Q4 2025 | 11.17% | 11.17% | 12.33% | 9.85% | 1.71% |
| Q1 2026 | 10.95% | 10.95% | 11.96% | 9.00% | 1.37% |
| Q2 2026 | 10.93% | 10.93% | 12.08% | 9.27% | 1.70% |
Bank First, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank First, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)