BankFirst Financial Services: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
BankFirst Financial Services is the primary bank subsidiary of its parent holding company, headquartered in Macon, MS, in the Columbus, Ohio metropolitan region. Profitability tracks the broader industry: ROA 1.10%, ROE 8.43%, NIM 4.05%. BankFirst Financial Services's Q2 2026 balance sheet shows $3.3B in assets funded primarily by $2.8B in customer deposits. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.86% exceeds the CBLR threshold. Asset quality is solid, 0.73% nonperforming loans and a 4.80% Texas Ratio. BankFirst Financial Services operates a 51-branch network.
As of June 30, 2026, BankFirst Financial Services reported a Tier 1 leverage ratio of 10.86%, a return on assets of 1.10%, a nonperforming-loan ratio of 0.73%, a Texas ratio of 4.80%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 900 Main St, Macon, MS 39701
- County
- Lowndes
- Metro Area
- Columbus, MS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1888
- Offices
- 51 domestic
- Employees (FTE)
- 533
- Domestic deposits
- $2.83B
- Allowance for credit losses
- $29.9M
- Net charge-offs (YTD)
- $1.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8870
- Fed RSSD
- 914648
- SEC CIK
- 1726767 → filed by BANKFIRST CAPITAL CORPORATION
- Website
- http://www.bankfirstfs.com →
- Parent Holding Company
- BANKFIRST CAPITAL CORPORATION (RSSD 1247455)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full BankFirst Financial Services terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock BankFirst Financial Services, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
BankFirst Financial Services rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into BankFirst Financial Services
- Magnolia State Bank, effective July 1, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.86% | 1.10% | 0.73% | 4.80% | 4.05% |
| Q1 2026 | 10.61% | 1.08% | 0.74% | 4.65% | 3.95% |
| Q4 2025 | 10.35% | 1.33% | 0.66% | 4.24% | 3.93% |
| Q3 2025 | 9.97% | 0.71% | 0.75% | 4.97% | 4.06% |
| Q2 2025 | 9.89% | 1.05% | 0.77% | 5.17% | 3.76% |
| Q1 2025 | 10.80% | 0.99% | 0.82% | 4.95% | 3.62% |
| Q4 2024 | 10.58% | 1.17% | 0.93% | 5.98% | 3.69% |
| Q3 2024 | 11.23% | 0.99% | 0.73% | 4.34% | 3.51% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 47 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| BankFirst Financial Services (main office) | Columbus , MS | 39701 | $345.0M |
| Senatobia Branch | Senatobia , MS | 38668 | $197.3M |
| Bay Springs Branch | Bay Springs , MS | 39422 | $166.9M |
| Tuscaloosa Main Branch | Tuscaloosa , AL | 35401 | $161.6M |
| Water Valley - Main Branch | Water Valley , MS | 38965 | $155.1M |
| Haleyville Branch | Haleyville , AL | 35565 | $146.4M |
| Main Street Branch | Macon , MS | 39341 | $130.9M |
| Newton Branch | Newton , MS | 39345 | $128.0M |
| Fayette Main Branch | Fayette , AL | 35555 | $126.2M |
| Madison Branch | Madison , MS | 39110 | $96.6M |
| Double Springs Branch | Double Springs , AL | 35553 | $87.9M |
| Russell Street Branch | Starkville , MS | 39759 | $84.3M |
| Petal Branch | Petal , MS | 39465 | $70.1M |
| Hattiesburg Branch | Hattiesburg , MS | 39402 | $63.8M |
| Flowood Branch | Flowood , MS | 39232 | $62.4M |
| West Point Branch | West Point , MS | 39773 | $61.3M |
| University Avenue Branch | Oxford , MS | 38655 | $50.6M |
| Northport Branch | Northport , AL | 35476 | $44.7M |
| Coldwater Branch | Coldwater , MS | 38618 | $43.1M |
| Taylorsville Branch | Taylorsville , MS | 39168 | $39.4M |
| Gordo Branch | Gordo , AL | 35466 | $37.4M |
| Crossgates Branch | Starkville , MS | 39759 | $36.6M |
| Laurel Branch | Laurel , MS | 39440 | $34.8M |
| Hernando Branch | Hernando , MS | 38632 | $34.6M |
| Aliceville Branch | Aliceville , AL | 35442 | $33.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2025 | Structure Change | Acquired Magnolia State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2023 | Structure Change | Acquired Mechanics Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2022 | Structure Change | Acquired Sycamore Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2022 | Structure Change | Acquired The Citizens Bank of Fayette Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2020 | Structure Change | Acquired Traders & Farmers Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2019 | Structure Change | Acquired FNB Of Central Alabama Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2015 | Structure Change | Acquired Newton County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for BankFirst Financial Services, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.5% of deposits in MS, rank 9 of 81 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,520 applications, 1,269 loans originated, $266.9M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about BankFirst Financial Services
What are BankFirst Financial Services's total assets?
As of the Q2 2026 filing, BankFirst Financial Services reported total assets of $3.31 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is BankFirst Financial Services headquartered?
BankFirst Financial Services is headquartered in Macon, MS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was BankFirst Financial Services founded?
BankFirst Financial Services was established in 1888, per the FDIC institution directory.
Is BankFirst Financial Services FDIC-insured?
Yes. BankFirst Financial Services is an FDIC-insured commercial bank (FDIC Certificate #8870). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BankFirst Financial Services?
BankFirst Financial Services's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does BankFirst Financial Services operate?
BankFirst Financial Services operates 51 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BankFirst Financial Services's Texas Ratio?
BankFirst Financial Services's Texas Ratio is 4.80% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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