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BankFirst

$1B-$10B Specialty: Agricultural NE FDIC cert 20130

Designations: ✓ Community bank

Norfolk, NE

14 branches across NE · IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in NE.
  • Deposits +11.4% year over year ($804.7M on the books).
  • Delinquency rate 0.86%.
  • Return on assets 1.92%.
  • Efficiency ratio 36.28% vs a 59.73% peer average.
  • Loan-to-deposit ratio 89.35% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 21 in NE
View $1B-$10B leaderboard (NE) →

BankFirst has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 23.45% below tier average
  • + ROA 0.53% above tier average
  • + Net Interest Margin 0.38% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 29.7% in tier
  • - NIB Deposit Bleed: Bottom 54.4% in tier
Get updates when BankFirst releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $1.2B
+4.9% YoY +0.7% QoQ
-$1.6B $2.8B
-0.6% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
18%
Total Loans ? $719.0M
+1.7% YoY +0.3% QoQ
-$1.2B $2.0B
-0.3% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
Bottom 8.4% in tier
Total Deposits ? $804.7M
+11.4% YoY +7.3% QoQ
-$1.5B $2.3B
-0.5% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
Bottom 1.9% in tier
Return on Assets ? 1.92%
+5.5% YoY -0.5% QoQ
+0.53% 1.39%
+17.0% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
Top 14.5% in tier
Net Interest Margin ? 4.25%
+4.9% YoY -0.7% QoQ
+0.38% 3.87%
+6.2% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
79%
Efficiency Ratio ? 36.28%
-3.7% YoY -0.6% QoQ
-23.45% 59.73%
-12.6% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
Top 4.6% in tier
Delinquency Rate ? 0.86%
-65.4% YoY +22.9% QoQ
-0.01% 0.87%
+11.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
33%
Loan-to-Deposit Ratio ? 89.35%
-8.7% YoY -6.5% QoQ
+4.32% 85.04%
-0.1% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
44%
Non-Interest-Bearing Deposit Share ? 11.02%
-16.7% YoY -8.8% QoQ
-10.25% 21.27%
-1.5% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
Bottom 13.1% in tier
Nonperforming Asset Ratio ? 0.52%
-65.4% YoY +26.3% QoQ
-0.15% 0.67%
+11.7% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
43%
Tier 1 Capital Ratio ? 19.74%
+7.3% YoY +2.5% QoQ
+4.89% 14.84%
-0.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
Top 8.0% in tier
Non-Interest Income / Assets ? 0.14%
-6.9% YoY +82.6% QoQ
-0.38% 0.53%
+2.5% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
18%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Noninterest-Bearing 11.0%
-2.2pp YoY
-1.1pp QoQ
 -10.3pp 21.4% 17.6% 22.2% 13%
Brokered Deposits 14.7%
+7.6pp YoY
+6.1pp QoQ
 +5.2pp 9.5% 8.9% 8.5% 81%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 8.4%
-1.3pp YoY
0.0pp QoQ
 -5.6pp 14.0% 12.3% 12.5% 36%
CRE 41.2%
+2.3pp YoY
-0.4pp QoQ
 -8.8pp 50.0% 32.3% 41.4% 27%
1-4 Family 15.0%
+0.1pp YoY
+0.3pp QoQ
 -11.4pp 26.4% 16.9% 31.3% 30%
Consumer 0.5%
-0.2pp YoY
0.0pp QoQ
 -4.2pp 4.7% 3.1% 5.0% 32%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio 19.7%
+1.4pp YoY
+0.5pp QoQ
 +4.1pp 15.6% 16.1% 19.7% 91%
Leverage Ratio 15.3%
+0.2pp YoY
+0.1pp QoQ
 +4.0pp 11.3% 12.1% 12.6% 93%
Total Capital Ratio 20.9%
+1.3pp YoY
+0.4pp QoQ
 +4.2pp 16.7% 17.3% 20.8% 91%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 95
-7 (-6.9%) YoY
-3 (-3.1%) QoQ
 -219 313 98 482 6%
Assets per Employee ($) $12.8M
+12.7% YoY
+3.8% QoQ
 +$2.3M $10.5M $8.5M $8.8M 82%
Branch Count 14
0 YoY
0 QoQ
 -6 20 7 18 46%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.4% 0.4% n/a
Nonaccrual 0.9%
-1.6pp YoY
+0.2pp QoQ
 0.0pp 0.8% 0.8% 1.0% 69%
Allowance Coverage 1.80x
+183.9% YoY
-23.1% QoQ
 -16.91x 18.71x 31.69x 20.23x 44%
Net Charge-off Rate (YTD) 0.4%
-0.2pp YoY
+0.4pp QoQ
 +0.1pp 0.3% 0.1% 0.2% 88%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 12.2%
+0.5pp YoY
-0.2pp QoQ
 -0.4pp 12.6% 12.3% 11.6% 50%
Cost of Funds (YTD) 2.3%
-0.3pp YoY
0.0pp QoQ
 +0.4pp 1.9% 1.9% 1.7% 76%
Net Income ($, YTD) $11.6M
+12.7% YoY
— QoQ
 -$7.7M $19.2M $6.1M $40.4M 46%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk
#52 of 172 • Bottom 29.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 19.74%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 89.35%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

NIB Deposit Bleed

decline
#26 of 46 • Bottom 54.4% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 11.02%
(Tier: 21.27%, National: 21.98%)
worse than tier avg
46 of 46 Mid-Market banks match · 211 nationally
↓ Shrinking -26 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

42
Efficiency Ratio
profitability
Value: 36.28%
Peer Median: 59.73%
#42 of 885 Top 4.6% in $1B-$10B
72
Tier 1 Capital Ratio
capital
Value: 19.74%
Peer Median: 14.84%
#72 of 885 Top 8.0% in $1B-$10B
129
Return on Assets
profitability
Value: 1.92%
Peer Median: 1.39%
#129 of 885 Top 14.5% in $1B-$10B
184
Net Interest Margin
profitability
Value: 4.25%
Peer Median: 3.87%
#184 of 885 Top 20.7% in $1B-$10B

Top Weaknesses (5 metrics)

869
Total Deposits
size
Value: $804.75M
Peer Median: $2.32B
#869 of 885 Bottom 1.9% in $1B-$10B
812
Total Loans
size
Value: $719.05M
Peer Median: $1.96B
#812 of 885 Bottom 8.4% in $1B-$10B
770
Non-Interest-Bearing Deposit Share
funding
Value: 11.02%
Peer Median: 21.27%
#770 of 885 Bottom 13.1% in $1B-$10B
727
Total Assets
size
Value: $1.21B
Peer Median: $2.79B
#727 of 885 Bottom 18.0% in $1B-$10B
726
Non-Interest Income / Assets
revenue_mix
Value: 0.14%
Peer Median: 0.53%
#726 of 885 Bottom 18.1% in $1B-$10B
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