BlastPoint's Banking Scorecard
Bank First, N.A.
Community
Specialty: Commercial
WI
FDIC cert 5304
Manitowoc, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Bank First, N.A. has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.20% below tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 4% in Community
- - Credit Quality Pressure: Bottom 13% in Community
- - Liquidity Strain: Bottom 20% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.5B
+0.2% YoY
+1.9% QoQ
|
+$3.1B |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$3.6B
+2.6% YoY
-0.6% QoQ
|
+$2.6B |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$3.8B
+0.5% YoY
+4.8% QoQ
|
+$2.6B |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.64%
+3.2% YoY
+0.9% QoQ
|
+0.48% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
3.84%
+4.6% YoY
+1.7% QoQ
|
+0.17% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
44.43%
-1.1% YoY
+0.4% QoQ
|
-18.20% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.25%
+3.8% YoY
-34.3% QoQ
|
-0.37% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
95.06%
+2.1% YoY
-5.2% QoQ
|
+12.00% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
28.23%
-4.0% YoY
-1.8% QoQ
|
+7.18% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.20%
-2.3% YoY
-36.0% QoQ
|
-0.30% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
11.17%
+0.9% YoY
+1.7% QoQ
|
+0.93% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.48%
+6.8% YoY
+25.2% QoQ
|
-0.26% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 8%
in Community
Why this stands out
Current:
44.43%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (3)
Credit Risk Growth
risk
#24 of 642 · Bottom 4% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#104 of 808 · Bottom 13% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.25%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#105 of 513 · Bottom 20% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
95.06%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Total Loans
Current: $3.6B · Tier avg: $975.5M
99
99th pctile
Total Assets
Current: $4.5B · Tier avg: $1.4B
99
99th pctile
Total Deposits
Current: $3.8B · Tier avg: $1.2B
92
92th pctile
Efficiency Ratio
Current: 44.43% · Tier avg: 62.63%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.23% · Tier avg: 21.05%
65
65th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
62
62th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.66%
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
38
38th pctile
Tier 1 Capital Ratio
Current: 11.17% · Tier avg: 10.24%
23
23th pctile
Loan-to-Deposit Ratio
Current: 95.06% · Tier avg: 83.06%
Top Weaknesses
23
23th pctile
Loan-to-Deposit Ratio
Current: 95.06% · Tier avg: 83.06%
38
38th pctile
Tier 1 Capital Ratio
Current: 11.17% · Tier avg: 10.24%
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
62
62th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.66%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
65
65th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.23% · Tier avg: 21.05%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
92
92th pctile
Efficiency Ratio
Current: 44.43% · Tier avg: 62.63%
99
99th pctile
Total Deposits
Current: $3.8B · Tier avg: $1.2B
99
99th pctile
Total Assets
Current: $4.5B · Tier avg: $1.4B
99
99th pctile
Total Loans
Current: $3.6B · Tier avg: $975.5M