Bank First N A (FDIC #5304): Bank Stress & Real-Estate Credit Exposure

Bank First N A (FDIC Cert #5304): bank stress 45/100, moderate, STABLE over 7 days; parent BANK FIRST CORP (BFC).

Bank First N A (#5304) lends in 19 counties across 2 states; Bank First N A (#5304) reaches 308 ZIP codes: Wisconsin 18 counties, 282 ZIPs; Illinois 1 county, 26 ZIPs.

Bank First N A (#5304) largest markets: Dane County, WI (46 branches, 46 ZIPs) (#5304), Winnebago County, IL (78 branches, 26 ZIPs) (#5304), Shawano County, WI (26 branches, 26 ZIPs) (#5304), Outagamie County, WI (25 branches, 25 ZIPs) (#5304), Fond Du Lac County, WI (24 branches, 24 ZIPs) (#5304), Columbia County, WI (40 branches, 20 ZIPs) (#5304).

Bank First N A (#5304) reports $5.94 billion in total assets; Bank First N A (#5304) equity $805.9 million (13.6% of Bank First N A (#5304) assets); Bank First N A (#5304) domestic deposits $5.03 billion; Bank First N A (#5304) net income $46.0 million; Bank First N A (#5304) return on assets 1.67%; Bank First N A (#5304) return on equity 12.52%; Bank First N A (#5304) net interest income $109.0 million; Bank First N A (#5304) call report June 30, 2026.

Bank First N A (#5304) noncurrent real-estate loans 0.01% of its book; Bank First N A (#5304) net charge-offs on real estate 0.63%; Bank First N A (#5304) multifamily charge-offs 2.67%; Bank First N A (#5304) residential charge-offs 0.47%.

Bank First N A (#5304) net interest margin 4.45% against an eight-quarter Bank First N A (#5304) average of 3.92% (Bank First N A (#5304) compression -0.54 points); Bank First N A (#5304) real-estate loans 1.0% of equity; Bank First N A (#5304) non-residential real estate 46.9% of equity; Bank First N A (#5304) rate-exposure score 40/100, Bank First N A (#5304) fixed-rate trap 40/100; Bank First N A (#5304) risk type credit driven; Bank First N A (#5304) rate regime rates elevated; Bank First N A (#5304) shares 6.4% below the 52-week high, Bank First N A (#5304) equity trend stable, Bank First N A (#5304) snapshot October 19, 2026.

Bank First N A (#5304) stress score moved from 46.7 on June 22, 2026 to 44.6 on October 20, 2026; Bank First N A (#5304) ranged 44.6 to 46.7 over 117 snapshots.

Bank First N A (#5304) alerts: 19 counties; top Bank First N A (#5304) alert scores: Waupaca County, WI 45 (moderate); Shawano County, WI 41 (moderate); Monroe County, WI 39 (moderate); Walworth County, WI 37 (moderate); Sheboygan County, WI 31 (low).