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Bank First, N.A.
Manitowoc, WI · FDIC Certificate #5304 · Chartered 01/0
Total assets
$5.94B
Total deposits
$5.03B
Total equity
$805.93M
Net loans
$4.47B
Branches (offices)
38
Net income (YTD)
$46.03M
Rank: #254 of 4,213 U.S. banks by assets · #4 of 153 in Wisconsin. Assets changed 36.2% and deposits 38.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.67% |
| Return on equity | 12.52% |
| Net interest margin (YTD) | 4.45% |
| Equity to assets | 13.56% |
| Tier 1 leverage ratio | 9.27% |
| Uninsured deposits (share of deposits) | 32.7% |
| Noncurrent loans (share of loans) | 0.56% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 88.9% |
| Real estate loans (share of loans) | 80.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.60B | 80.5% | |
| Commercial & industrial | $732.43M | 16.4% | |
| Consumer / individual | $60.67M | 1.4% | |
| Construction & development | $241.93M | 5.4% | |
| Agricultural | $74.27M | 1.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.96B | $2.61B | $22.74M | $325.28M |
| Jun 2023 | $4.09B | $3.43B | $26.53M | $584.24M |
| Jun 2024 | $4.14B | $3.45B | $32.55M | $579.03M |
| Jun 2025 | $4.36B | $3.63B | $35.84M | $590.93M |
| Jun 2026 | $5.94B | $5.03B | $46.03M | $805.93M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $4.77B | 35 |
| Illinois | $257.59M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $5.03B.
Similar-sized banks
Fremont Bank ($5.97B) · Ctbc Bank Corp. (Usa) ($5.87B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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