BlastPoint's Banking Scorecard
BankFirst Financial Services
Designations: ✓ CDFI-certified
Columbus, MS
51 branches across MS · AL
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 11 in MS.
- Deposits +18.9% year over year ($2.8B on the books).
- Delinquency rate 0.78%.
- Return on assets 1.10%.
- Efficiency ratio 63.84% vs a 59.73% peer average.
- Loan-to-deposit ratio 79.28% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
BankFirst Financial Services has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.16% above tier average
- + Delinquency Rate 0.09% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Efficiency Ratio 4.12% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+20.5% YoY
-0.5% QoQ
|
+$513.1M |
$2.8B
-0.6% YoY
|
$2.3B
+4.7% YoY
|
$6.3B
+7.7% YoY
|
75% |
| Total Loans ? |
$2.2B
+23.9% YoY
+1.7% QoQ
|
+$284.2M |
$2.0B
-0.3% YoY
|
$1.6B
+6.5% YoY
|
$3.2B
+9.4% YoY
|
73% |
| Total Deposits ? |
$2.8B
+18.9% YoY
-0.8% QoQ
|
+$515.9M |
$2.3B
-0.5% YoY
|
$1.9B
+4.9% YoY
|
$4.9B
+7.3% YoY
|
75% |
| Return on Assets ? |
1.10%
+7.6% YoY
+1.1% QoQ
|
-0.29% |
1.39%
+17.0% YoY
|
1.27%
+12.8% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
4.03%
+8.3% YoY
+1.6% QoQ
|
+0.16% |
3.87%
+6.2% YoY
|
4.02%
+5.6% YoY
|
3.95%
+4.9% YoY
|
70% |
| Efficiency Ratio ? |
63.84%
-2.7% YoY
-1.7% QoQ
|
+4.12% |
59.73%
-12.6% YoY
|
65.83%
-2.8% YoY
|
70.05%
+2.5% YoY
|
35% |
| Delinquency Rate ? |
0.78%
-1.2% YoY
+3.7% QoQ
|
-0.09% |
0.87%
+11.7% YoY
|
1.03%
+6.0% YoY
|
0.98%
+16.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
79.28%
+4.2% YoY
+2.5% QoQ
|
-5.75% |
85.04%
-0.1% YoY
|
72.48%
+3.6% YoY
|
79.03%
+2.3% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
21.95%
+0.8% YoY
+0.5% QoQ
|
+0.68% |
21.27%
-1.5% YoY
|
22.74%
-2.6% YoY
|
21.98%
-0.6% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.53%
+2.3% YoY
+6.8% QoQ
|
-0.14% |
0.67%
+11.7% YoY
|
0.80%
+11.3% YoY
|
0.69%
+15.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
10.86%
+9.9% YoY
+2.4% QoQ
|
-3.98% |
14.84%
-0.4% YoY
|
13.77%
-2.2% YoY
|
17.09%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.45%
-10.3% YoY
+109.8% QoQ
|
-0.08% |
0.53%
+2.5% YoY
|
0.38%
+2.4% YoY
|
0.66%
+5.2% YoY
|
76% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.0%
+0.2pp YoY +0.1pp QoQ |
+0.6pp | 21.4% | 23.1% | 22.2% | 60% |
| Brokered Deposits |
0.0%
0.0pp YoY 0.0pp QoQ |
-9.4pp | 9.5% | 3.8% | 8.5% | 4% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.9%
+1.0pp YoY +0.3pp QoQ |
-5.1pp | 14.0% | 12.4% | 12.5% | 39% |
| CRE |
49.4%
-2.4pp YoY -0.3pp QoQ |
-0.6pp | 50.0% | 42.3% | 41.4% | 48% |
| 1-4 Family |
32.3%
+2.1pp YoY +0.2pp QoQ |
+5.9pp | 26.4% | 33.1% | 31.3% | 70% |
| Consumer |
1.4%
+0.1pp YoY -0.1pp QoQ |
-3.3pp | 4.7% | 5.6% | 5.0% | 53% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
10.9%
+1.0pp YoY +0.3pp QoQ |
-0.4pp | 11.3% | 11.9% | 12.6% | 58% |
| Total Capital Ratio | n/a | n/a | 16.7% | 17.7% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
533
+84 (+18.7%) YoY +5 (+0.9%) QoQ |
+219 | 313 | 297 | 482 | 86% |
| Assets per Employee ($) |
$6.2M
+1.5% YoY -1.4% QoQ |
-$4.3M | $10.5M | $6.2M | $8.8M | 14% |
| Branch Count |
51
+9 (+21.4%) YoY 0 QoQ |
+31 | 20 | 22 | 18 | 94% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.3% | 0.4% | 62% |
| Nonaccrual |
0.7%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.8% | 0.9% | 1.0% | 63% |
| Allowance Coverage |
1.71x
+1.6% YoY -3.7% QoQ |
-17.00x | 18.71x | 4.87x | 20.23x | 43% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 67% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.4%
+0.2pp YoY 0.0pp QoQ |
-4.2pp | 12.6% | 11.7% | 11.6% | 22% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.9% | 1.8% | 1.7% | 32% |
| Net Income ($, YTD) |
$18.1M
+28.7% YoY — QoQ |
-$1.1M | $19.2M | $13.8M | $40.4M | 67% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.