Bankfirst (FDIC #20130): Bank Stress & Real-Estate Credit Exposure
Bankfirst (FDIC Cert #20130): bank stress 31/100, contained, STABLE over 7 days; parent NORTH CENTRAL BCORP INC.
Bankfirst (#20130) lends in 11 counties across 2 states; Bankfirst (#20130) reaches 111 ZIP codes: Nebraska 9 counties, 75 ZIPs; Iowa 2 counties, 36 ZIPs.
Bankfirst (#20130) largest markets: Woodbury County, IA (52 branches, 26 ZIPs) (#20130), Monona County, IA (15 branches, 15 ZIPs) (#20130), Holt County, NE (14 branches, 14 ZIPs) (#20130), Dixon County, NE (12 branches, 12 ZIPs) (#20130), Platte County, NE (11 branches, 11 ZIPs) (#20130), Wayne County, NE (11 branches, 11 ZIPs) (#20130).
Bankfirst (#20130) reports $1.21 billion in total assets; Bankfirst (#20130) equity $195.6 million (16.1% of Bankfirst (#20130) assets); Bankfirst (#20130) domestic deposits $804.7 million; Bankfirst (#20130) net income $11.6 million; Bankfirst (#20130) return on assets 1.92%; Bankfirst (#20130) return on equity 12.17%; Bankfirst (#20130) net interest income $24.1 million; Bankfirst (#20130) call report June 30, 2026.
Bankfirst (#20130) noncurrent real-estate loans: none reported; Bankfirst (#20130) residential -0.11%; Bankfirst (#20130) net charge-offs on real estate 0.75%; Bankfirst (#20130) residential charge-offs 0.42%.
Bankfirst (#20130) net interest margin 4.25% against an eight-quarter Bankfirst (#20130) average of 4.17% (Bankfirst (#20130) compression -0.08 points); Bankfirst (#20130) non-residential real estate 41.7% of equity; Bankfirst (#20130) rate-exposure score 40/100, Bankfirst (#20130) fixed-rate trap 40/100; Bankfirst (#20130) risk type rate trapped; Bankfirst (#20130) rate regime rates elevated, Bankfirst (#20130) snapshot October 19, 2026.
Bankfirst (#20130) stress score moved from 30.3 on June 22, 2026 to 30.6 on October 20, 2026; Bankfirst (#20130) ranged 30.3 to 30.6 over 117 snapshots.
Bankfirst (#20130) alerts: 11 counties; top Bankfirst (#20130) alert scores: Wayne County, NE 29 (low); Columbus County, NE 15 (low); Neligh County, NE 15 (low); Norfolk County, NE 15 (low); Onawa County, NE 15 (low).