BlastPoint's Banking Scorecard

BankFirst Financial Services

$1B-$10B Specialty: Commercial MS FDIC cert 8870

Designations: ✓ CDFI-certified

Columbus, MS

51 branches across MS · AL

884 banks in the $1B-$10B peer group nationally 9 in MS

BankFirst Financial Services has 2 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

+ Net Interest Margin 0.15% above tier average
+ Delinquency Rate 0.14% below tier average

Key Concerns

Areas that may need attention

- ROA 0.28% below tier average
- Efficiency Ratio 3.86% above tier average

Get updates when BankFirst Financial Services releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$3.3B +19.1% YoY +2.0% QoQ	+$507.3M	$2.8B -0.1% YoY	$2.3B +11.5% YoY	$6.2B +9.1% YoY	75%
Total Loans ?	$2.2B +23.1% YoY +1.6% QoQ	+$245.6M	$2.0B +0.6% YoY	$1.5B +13.2% YoY	$3.2B +10.8% YoY	72%
Total Deposits ?	$2.9B +18.5% YoY +1.9% QoQ	+$513.4M	$2.3B -0.3% YoY	$1.9B +10.5% YoY	$4.8B +8.2% YoY	75%
Return on Assets ?	1.09% +10.5% YoY +4.7% QoQ	-0.28%	1.37% +19.6% YoY	1.16% +5.3% YoY	1.23% +13.4% YoY	39%
Net Interest Margin ?	3.97% +9.6% YoY +0.6% QoQ	+0.15%	3.82% +6.9% YoY	3.97% +6.6% YoY	3.89% +5.7% YoY	70%
Efficiency Ratio ?	64.92% -2.6% YoY +0.2% QoQ	+3.86%	61.06% -4.6% YoY	67.65% -1.2% YoY	66.95% -4.1% YoY	34%
Delinquency Rate ?	0.75% -8.3% YoY +10.9% QoQ	-0.14%	0.89% +14.1% YoY	1.06% +2.0% YoY	0.95% +18.8% YoY	38%
Loan-to-Deposit Ratio ?	77.38% +3.9% YoY -0.3% QoQ	-6.83%	84.20% +0.3% YoY	70.20% +3.2% YoY	76.70% +0.9% YoY	72%
Non-Interest-Bearing Deposit Share ?	21.85% -2.2% YoY -0.2% QoQ	+0.56%	21.29% -2.5% YoY	22.68% -1.8% YoY	22.01% -1.2% YoY	60%
Nonperforming Asset Ratio ?	0.50% -5.2% YoY +10.4% QoQ	-0.18%	0.67% +15.6% YoY	0.74% +0.7% YoY	0.67% +19.3% YoY	45%
Tier 1 Capital Ratio ?	10.61% -1.7% YoY +2.5% QoQ	-4.55%	15.16% +2.0% YoY	13.90% -1.0% YoY	17.06% +0.8% YoY	Bottom 10.6% in tier
Non-Interest Income / Assets ?	0.21% -10.3% YoY -75.0% QoQ	-0.04%	0.26% +1.6% YoY	0.17% -9.5% YoY	0.32% +4.1% YoY	74%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

218

Total Deposits

size

Value: $2.86B

Peer Median: $2.34B

#218 of 884 Top 24.5% in $1B-$10B

Top Weaknesses (1 metrics)

791

Tier 1 Capital Ratio

capital

Value: 10.61%

Peer Median: 15.16%

#791 of 884 Bottom 10.6% in $1B-$10B