BlastPoint's Banking Scorecard
Bank First, N.A.
Designations: ✓ Community bank
Manitowoc, WI
45 branches across WI · IL
Bank First, N.A. has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 64.0% in tier
- + ROA 0.19% above tier average
- + Efficiency Ratio 4.94% below tier average
- + Delinquency Rate 0.29% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 45.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.1B
+34.6% YoY
+34.7% QoQ
|
+$3.2B |
$2.8B
-0.1% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
Top 10.2% in tier |
| Total Loans ? |
$4.5B
+27.4% YoY
+25.3% QoQ
|
+$2.5B |
$2.0B
+0.6% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
Top 9.0% in tier |
| Total Deposits ? |
$5.1B
+36.9% YoY
+36.8% QoQ
|
+$2.8B |
$2.3B
-0.3% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
Top 10.3% in tier |
| Return on Assets ? |
1.56%
-5.1% YoY
-5.0% QoQ
|
+0.19% |
1.37%
+19.6% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
74% |
| Net Interest Margin ? |
4.55%
+24.5% YoY
+18.5% QoQ
|
+0.73% |
3.82%
+6.9% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
Top 10.9% in tier |
| Efficiency Ratio ? |
56.12%
+28.5% YoY
+26.3% QoQ
|
-4.94% |
61.06%
-4.6% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
61% |
| Delinquency Rate ? |
0.60%
+209.7% YoY
+137.2% QoQ
|
-0.29% |
0.89%
+14.1% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
87.05%
-7.0% YoY
-8.4% QoQ
|
+2.84% |
84.20%
+0.3% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
30.07%
+5.5% YoY
+6.5% QoQ
|
+8.78% |
21.29%
-2.5% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.50%
+195.7% YoY
+146.8% QoQ
|
-0.18% |
0.67%
+15.6% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
45% |
| Tier 1 Capital Ratio ? |
10.95%
-0.3% YoY
-2.0% QoQ
|
-4.21% |
15.16%
+2.0% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.18%
+27.3% YoY
-63.6% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
63% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.