# BANK FIRST N A
MANITOWOC, WI · FDIC certificate 5304 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.94B | |
| Deposits | $5.03B | |
| Loans and leases | $4.53B | |
| Total equity | $805.9M | |
| Loans / deposits | 88.89% (p55 of band) | 87.10% |
| Liquid assets / assets | 14.69% (p21 of band) | |
| Uninsured deposits / deposits | 32.74% (p56 of band) | 30.76% |
| Brokered deposits | 0.25% | |
| Wholesale funding | 1.60% (p26 of band) | |
| FHLB advances / assets | 1.35% | |
| Tier 1 leverage | 9.27% (p18 of band) | 10.50% |
| Unrealized securities loss / equity | -1.60% (p84 of band) | -7.75% |
| AOCI / equity | -0.49% (p36 of band) | |
| ROA (annualized) | 1.67% (p77 of band) | 1.26% |
| Net interest margin | 4.45% (p86 of band) | 3.70% |
| Efficiency ratio | 51.86% (p28 of band) | |
| Noncurrent loans | 0.56% (p54 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p60 of band) | |
| Reserve coverage of noncurrent | 219.37% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 30.02% (p30 of band) | |
| Auto loans | $29.1M (0.64% of loans; DQ 0.55%, NCO 0.00%) | |
| Loans to nondepository financials | $13.9M (2% of equity) (p77 of band) | |
| Deposits YoY | 38.6% | |
| Employees | 554 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | noncurrent p90, uninsured deposits leaving |  |
| 2018-12 | 1 |  | noncurrent p90, uninsured deposits leaving |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 | charge-offs p90 | reserve under noncurrent |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 0 |  | charge-offs p90, capital falling |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 2 | liquid assets <10% |  |
| 2020-12 | 0 |  | reserve under noncurrent, liquid assets <10% |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | liquid assets <10% |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 0 |  | liquid assets <10%, capital falling |
| 2024-03 | 1 | liquid assets <10% |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | liquid assets <10% |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 | liquid assets <10% | capital falling |
| 2025-09 | 2 | loans exceed deposits |  |
| 2025-12 | 0 |  | liquid assets <10%, loans exceed deposits |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-19 [Bank First Corporation Signs Agreement to Acquire PSB Holdings, Inc. - PR Newswire](https://news.google.com/rss/articles/CBMivwFBVV95cUxOeG1jR1dOeXozZUNVc21Bcm1IaEZYTnBRZVEwTDExMklwZGxvRDNLUlhiUURrOUFQRGdXU0JzdEJmLUIydS1kOTJUTWM2amxEUFRXcnFvM0h3UTBCaHhJV0VzcjFkOGpUcUxEUy1OR3hxN1JjZnFMeE5jTkJfSFJjc1NFV3R1bElxbzNXNDFRWHRfcjJMOUNYcU5tUjhvOWVvQkhvMG00N3hKMlB6YXhLbU9Ba0RUbVJRZEdwMTVFZw?oc=5) · PR Newswire
- 2026-05-20 [Bank First Corp. signs agreement to acquire Peoples State Bank’s parent company - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMivwFBVV95cUxOeHRXOFp2TlJYUDVta0dCa3BKLXI3VFlVM1FRaGJvYTdWczVFZ1FkQklHTUdLaDgySW5IZkJaZ2QzRkUyUTdjeTZpMm80cjJlVzBkVHhTNzZJd0NDTVFYVFFDZERNM0tmWE0yc1VvN0RpV0s4VXgyR1YtRHQwZll0UkxtVFlYV2liYVBlaEFmeFoxeU5LcDROMU80cmw0RmNyVGxHSXdiOFlDTHctU253NUNPd1BFOXUtckk2UHd1MA?oc=5) · Wausau Pilot &amp; Review
- 2026-01-02 [Bank First completes acquisition of First National Bank and Trust - Beloit Daily News](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQQU1VNWZGM2otU25GNV8wM3pqWks0aVJGdUUtZ2tHakdNS1lkX2otU1pLWDRTOFc5SEJXcEUzUTBrVXZjaGtmTzdIMXo3ajdLem1RaklQQnNyNTFBNTM0Wm94RHg4UDVMMk9KbnF5eUlaNHdSZ3BzLWp0OWNOWWxYYjc4Mnd1X3oxSExlWGFCZV9NWjFxV2stWGhSeGpROERIYXlDQUtYakQ0UHQwZDhKREtSNDBEaElXTUQ1OW4xRm1aWXZTQndEQVpjWDJMaEt4dV9XTVV4NDh3VnpFa2xXdXdzVnN2TGFhLXZ4TWUtSDFEYURVTFBxR25R?oc=5) · Beloit Daily News
- 2026-04-09 [Bank First lands at No. 11 on S&P Global best-performing banks list - Herald Times Reporter](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQQ1FoRTdzMUFZTGRGaEpiT3hXZ21kYmlDVVVPS0VwdWZpbnFWQ2g2cGxQYzZoeVpwd3laQ0FyczlZa3k1WjdET2lRbHo1bWdPOUFiY0hGWXktR1NGQjNkamFCOGxUNGJpa3B6eWJoV1JRdXhkOHNkLXowWFY1c1JkOWRMcVRlNEFETXA4Q3hUZlNOLTVQUmNZTkxBM0RGX2YwQ2Y3UVhYenJ6NlJfSDhEOWVWYV9VLWF0ZFhnQ3lvOG9Va05kSFZWRmRPb0ExR2VtSUVVaWN6dw?oc=5) · Herald Times Reporter
- 2026-01-02 [Manitowoc-based Bank First acquires Centre 1 Bancorp Inc. - Herald Times Reporter](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOalVCSXJDQUVsOG82TGNDTnBSd3NkR2Z3RFo1MG90eWdvanl5OW5RTG1Ec2dEem9IT003aG05amxoMDdfaU5xa2RWYlBYNDZ0TmFQYWExa1p3VTQxU2ZBNHF1aGZ0R1dmVmtuYW1BMjhyZmNLeTJ1NkJpeEhsR1VvUDU5WlY3eEkyYTZWWG42V08tN1ZNN19sS3pndEhQT1VJbkY4TnFkLXFYNjNUUGt3eV9tMkxWTWdyVTcwTEM2eE1WZW5MSG9SS0dkOHB5eGpLbnBPZA?oc=5) · Herald Times Reporter
- 2026-02-02 [Seven Wisconsin companies laid off nearly 366 workers in January - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOVzR4YUdZSE0yX0dRUjRFVjBhakthVUdmd1dKLTJpVVRENE5Qb0FkWE5KQmxBVEs4ZXVZZ0t6dnJINVR4R0tkVWpJT3BFQTItOHhBcnZRemtWQ2dDOXFfYnEtbklEU2xXdURvQ3RHbG5rQndOcEE3UkZTN1Q4VXhMdnhkMzB2TVhBVVZHYTNGSzA5WHBya2J0ZlkxcjZ5Zk9pLUNWa1VfTVR5Rm5wTTRIOHNWVGxTS0xrZDVxY1JvbFJSQXpIdlBnYWZTdDhVMnUxcXc?oc=5) · Milwaukee Journal Sentinel
- 2025-07-18 [Bank First Corporation Signs Definitive Agreement to Acquire Centre 1 Bancorp, Inc. - PR Newswire](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPa3VuUEI3MnQ5ZDNPVERjdTJKOVVubVItdmVra21nTjJGN2oyV0RLSHNwM2sxazFxd1h6bnFUVGtLOTdpUUZib25STTg2bmdlTUdZdUhsMUt3VWxibXAzMDByVkp4aXZuMmkxalp4TjBmNXFJRE9Eb3dtMnlBbHBuQjJuX090RDh4QWF0MHc4VV9FY1ZLOGVZVXVuSU1rWU5TOTFMVVhMM3doRjZWZm9SMkZScFh4M2hMdUVlUEl0UUs1OFdVSmJCS3dXX0VjWkhVVW0w?oc=5) · PR Newswire
- 2025-07-20 [First National Bank and Trust to merge with Bank First Corp - Beloit Daily News](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQdDlWbkY0ZkhpVGs3RlZDRzc2YWtsaHdLNm9UMXFMcTYwUDZjZDQydjZKeDZ3ZkRqdnRmanZGQXhIYkdjNFlEOEY0b2o1QUo0SmhFUjRHbXA4SWhEVS1wcVlGM1BFMGFadTBZMlB1dm05eksxcFR6TWNDRDhUX3hiUTc5MFlMMmZvLVdlenRRVEFmU1NvcVJVS3UtMmNfUGhwUlp2akJyR09sbW9OX0FsQ0lGamxMMl9LSG13eFJPaTc0cjlyVmFuWjl4UEswNmN4bUhTVHplN09iQXo5eTJia1lUZmtUd3V0SXJUN0tzdlprUQ?oc=5) · Beloit Daily News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5304 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/56.json (key "5304", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide