| Metric | Bank First, N.A. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +36.2% | +5.5% | +30.8 pts |
| Deposit growth (YoY) | +38.6% | +5.1% | +33.6 pts |
| Loan growth (YoY) | +26.2% | +5.9% | +20.3 pts |
| ROA | 1.67% | 1.26% | +0.4 pts |
| ROE | 12.5% | 12.2% | +0.3 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.94B | $5.03B | $4.47B | $805.9M | $46.0M | 1.67% | 4.45% | 0.47% |
| Q1 2026 | $6.06B | $5.13B | $4.47B | $799.0M | $20.6M | 1.56% | 4.55% | 0.50% |
| Q4 2025 | $4.50B | $3.75B | $3.57B | $600.6M | $73.1M | 1.64% | 3.84% | 0.20% |
| Q3 2025 | $4.42B | $3.58B | $3.59B | $596.6M | $54.2M | 1.63% | 3.77% | 0.31% |
| Q2 2025 | $4.36B | $3.63B | $3.54B | $590.9M | $35.8M | 1.61% | 3.71% | 0.31% |
| Q1 2025 | $4.50B | $3.75B | $3.51B | $586.7M | $18.5M | 1.64% | 3.65% | 0.17% |
| Q4 2024 | $4.49B | $3.73B | $3.48B | $580.5M | $67.6M | 1.59% | 3.67% | 0.21% |
| Q3 2024 | $4.29B | $3.55B | $3.43B | $580.4M | $49.6M | 1.58% | 3.69% | 0.28% |
Loan mix (Q2 2026): real estate $3.60B · commercial $732.4M · consumer $60.7M · securities $608.4M
| Ratio | Bank First, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 1.26% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 12.2% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.9% | 59.0% | 28th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank First, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank First, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank First, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank First, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.