Bank Comparison
Johnson Bank vs Bank First, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 9
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Johnson Bank | Bank First, N.A. |
|---|---|---|
| CET1 Ratio | 16.04% | 10.95% |
| Tier 1 Capital Ratio | 16.04% | 10.95% |
| Total Capital Ratio | 17.30% | 11.96% |
| Tier 1 Leverage Ratio | 12.47% | 9.00% |
| Equity / Assets | 12.58% | 13.17% |
Profitability
| Metric | Johnson Bank | Bank First, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.24% | 1.37% |
| Return on Equity (ROE) | 10.06% | 11.78% |
| Net Interest Margin (NIM) | 3.44% | 3.94% |
| Yield on Earning Assets | 5.24% | 5.41% |
| Cost of Funds | 1.98% | 1.76% |
Asset quality
| Metric | Johnson Bank | Bank First, N.A. |
|---|---|---|
| Texas Ratio | 1.57% | 5.40% |
| Non-Performing Loan Ratio | 0.28% | 0.50% |
| Non-Performing Asset Ratio | 0.21% | 0.42% |
| Net Charge-Off Ratio | -0.12% | 0.01% |
| ACL / Loans | 1.48% | 1.26% |
Balance sheet
| Metric | Johnson Bank | Bank First, N.A. |
|---|---|---|
| Total Assets | $7,008M | $6,064M |
| Total Deposits | $5,836M | $5,133M |
| Total Loans | $5,288M | $4,525M |
| Total Equity | $881,316K | $798,992K |
| Net Income (quarter) | $21,941K | $20,604K |
Liquidity & funding
| Metric | Johnson Bank | Bank First, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 90.61% | 88.16% |
| Core Deposit Ratio | 92.36% | 95.69% |
| Uninsured Deposit Ratio | 48.91% | 25.63% |
Identity
| Metric | Johnson Bank | Bank First, N.A. |
|---|---|---|
| Headquarters City | RACINE | MANITOWOC |
| Headquarters State | WI | WI |
| Asset Tier | Large | Large |
| Charter Class | 0 | 4975 |
| Regulator | FED | OCC |
| Domestic Branches | 32 | 45 |
| Employees (FTE) | 765 | 546 |
| Established | Nov. 12, 1970, midnight | Jan. 1, 1894, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Johnson Bank profile | View full Bank First, N.A. profile | Browse all bank comparisons