BankFirst: 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: 53.99 percentage points lower than in Q1 2026, at 179.51%. BankFirst ranks 27th of 138 Nebraska banks on return on assets, in the upper half at 1.89% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. BankFirst sits 0.62 points higher, at 1.89% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.74% |
| Tier 1 risk-based capital ratio | 19.74% |
| Total risk-based capital ratio | 20.92% |
| Tier 1 leverage ratio | 15.31% |
| Equity capital to assets | 16.14% |
| Tangible equity to tangible assets | 15.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.84% |
| Non-performing assets ratio | 0.52% |
| Net charge-off ratio | 0.82% |
| Texas ratio | 3.28% |
| Allowance for credit losses to loans | 1.52% |
| Reserve coverage of non-performing loans | 179.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.89% |
| Return on equity | 11.97% |
| Net interest margin | 4.05% |
| Efficiency ratio | 36.06% |
| Yield on earning assets | 6.25% |
| Cost of funds | 2.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.73% |
| Core deposits to total deposits | 72.53% |
| Brokered deposits to total deposits | 14.66% |
| Deposits to assets | 66.41% |
| Securities to assets | 34.45% |
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 | 15.86% | 15.86% | 17.11% | 12.46% | 1.98% |
| Q4 2023 | 16.46% | 16.46% | 17.71% | 12.87% | 2.09% |
| Q1 2024 | 17.33% | 17.33% | 18.58% | 13.65% | 1.91% |
| Q2 2024 | 16.94% | 16.94% | 18.19% | 13.79% | 2.06% |
| Q3 2024 | 17.24% | 17.24% | 18.49% | 13.73% | 2.16% |
| Q4 2024 | 17.42% | 17.42% | 18.67% | 14.25% | 2.15% |
| Q1 2025 | 18.00% | 18.00% | 19.25% | 14.78% | 1.83% |
| Q2 2025 | 18.38% | 18.38% | 19.61% | 15.07% | 1.85% |
| Q3 2025 | 17.96% | 17.96% | 19.22% | 14.22% | 1.97% |
| Q4 2025 | 18.59% | 18.59% | 19.73% | 14.67% | 2.56% |
| Q1 2026 | 19.26% | 19.26% | 20.51% | 15.25% | 1.96% |
| Q2 2026 | 19.74% | 19.74% | 20.92% | 15.31% | 1.89% |
BankFirst vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock BankFirst, 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 BankFirst profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20130) · FFIEC NIC profile (RSSD 117458)