Bankfirst Financial Services (FDIC #8870): Bank Stress & Real-Estate Credit Exposure
Bankfirst Financial Services (FDIC Cert #8870): bank stress 57/100, moderate, STABLE over 7 days; parent BANKFIRST CAPITAL CORP.
Bankfirst Financial Services (#8870) lends in 23 counties across 2 states; Bankfirst Financial Services (#8870) reaches 225 ZIP codes: Mississippi 18 counties, 160 ZIPs; Alabama 5 counties, 65 ZIPs.
Bankfirst Financial Services (#8870) largest markets: Tuscaloosa County, AL (56 branches, 28 ZIPs) (#8870), Hinds County, MS (24 branches, 24 ZIPs) (#8870), Walker County, AL (19 branches, 19 ZIPs) (#8870), Lee County, MS (15 branches, 15 ZIPs) (#8870), Smith County, MS (15 branches, 15 ZIPs) (#8870), Jasper County, MS (56 branches, 14 ZIPs) (#8870).
Bankfirst Financial Services (#8870) reports $3.31 billion in total assets; Bankfirst Financial Services (#8870) equity $439.9 million (13.3% of Bankfirst Financial Services (#8870) assets); Bankfirst Financial Services (#8870) domestic deposits $2.83 billion; Bankfirst Financial Services (#8870) net income $18.1 million; Bankfirst Financial Services (#8870) return on assets 1.10%; Bankfirst Financial Services (#8870) return on equity 8.41%; Bankfirst Financial Services (#8870) net interest income $59.4 million; Bankfirst Financial Services (#8870) call report June 30, 2026.
Bankfirst Financial Services (#8870) noncurrent real-estate loans 0.02% of its book; Bankfirst Financial Services (#8870) net charge-offs on real estate 0.63%; Bankfirst Financial Services (#8870) residential charge-offs 0.45%.
Bankfirst Financial Services (#8870) net interest margin 4.03% against an eight-quarter Bankfirst Financial Services (#8870) average of 3.78% (Bankfirst Financial Services (#8870) compression -0.25 points); Bankfirst Financial Services (#8870) real-estate loans 1.6% of equity; Bankfirst Financial Services (#8870) non-residential real estate 45.3% of equity; Bankfirst Financial Services (#8870) rate-exposure score 40/100, Bankfirst Financial Services (#8870) fixed-rate trap 40/100; Bankfirst Financial Services (#8870) risk type credit driven; Bankfirst Financial Services (#8870) rate regime rates elevated, Bankfirst Financial Services (#8870) snapshot October 19, 2026.
Bankfirst Financial Services (#8870) stress score moved from 56.7 on June 22, 2026 to 56.9 on October 19, 2026; Bankfirst Financial Services (#8870) ranged 56.7 to 56.9 over 116 snapshots.
Bankfirst Financial Services (#8870) alerts: 23 counties; top Bankfirst Financial Services (#8870) alert scores: Jackson County, MS 47 (moderate); Newton County, MS 44 (moderate); Madison County, MS 34 (low); Columbus County, MS 20 (low); Fayette County, MS 20 (low).