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BDI
BF

Bank First, N.A.

Manitowoc, WisconsinFDIC Cert #5304

OCCEstablished 189445 branches

Holding company: BANK FIRST CORPRegulator: OCC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$864M
Investor CRE$660M
Multifamily$456M
Construction$259M
1–4 family$1.11B
C&I$711M
Agriculture$340M
Other$124M

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$4.53B
+27.4%y/y
Percentile by value69th percentileby value
Peer standing in ubpr:primary:3
FDICLNLSGR
Net loans
$4.47B
+27.4%y/y
Percentile by value70th percentileby value
Peer standing in ubpr:primary:3
FDICLNLSNET
Loans YoY
+27.41%
+449.3%y/y
Percentile by value94th percentileby value
Peer standing in ubpr:primary:3
FDICLNLSNET
L/D
87.0%
−7.0%y/y
Percentile by value50th percentileby value
Peer standing in ubpr:primary:3
FDICLNLSNET + DEP
Loans/assets
73.7%
−5.4%y/y
Percentile by value49th percentileby value
Peer standing in ubpr:primary:3
FDICLNLSNET + ASSET
RE loans %
83.25%
−3.7%y/y
Percentile by value59th percentileby value
Peer standing in ubpr:primary:3
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
244%
−0.8%y/y
Percentile by value56th percentileby value
Peer standing in ubpr:primary:3

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
46%
−26.6%y/y
Percentile by value55th percentileby value
Peer standing in ubpr:primary:3

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
1,610points
−2.0%y/y
Peer standing78th percentile
Peer standing in ubpr:primary:3
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
19.09%
−12.2%y/y
Percentile by value90th percentileby value
Peer standing in ubpr:primary:3
FDICLNRENROW + LNLSGR
Investor CRE %
14.59%
+12.6%y/y
Percentile by value26th percentileby value
Peer standing in ubpr:primary:3
FDICLNRENROT + LNLSGR
C&I %
15.71%
+28.7%y/y
Percentile by value57th percentileby value
Peer standing in ubpr:primary:3
FDICLNCI + LNLSGR