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Balance Sheets Overview

Debt to Asset Ratio
86.22%
Unit: Thousand (K) dollars
Assets Breakdown
    • Loans, net
    • Securities available for sale, a...
    • Cash and cash equivalents
    • Others
Liabilities Breakdown
    • Interest-bearing deposits
    • Noninterest-bearing deposits
    • Additional paid-in capital
    • Others
Balance Sheets
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and due from banks
84,891
64,419
55,345
47,708
Interest-bearing deposits
181,632
334,219
187,862
78,476
Cash and cash equivalents
266,523
398,638
243,207
126,184
Securities held to maturity, at amortized cost (113,700 and 105,146 fair value at june 30, 2026 and december 31, 2025, respectively)
114,061
117,929
103,726
106,823
Securities available for sale, at fair value (506,871 and 171,796 amortized cost at june 30, 2026 and december 31, 2025, respectively)
494,571
483,235
164,422
167,125
Loans held for sale
4,843
9,751
6,243
4,175
Loans
4,521,687
4,515,626
3,604,651
3,629,663
Allowance for credit losses - loans ('acl-loans')
56,029
57,067
44,374
44,501
Loans, net
4,465,658
4,458,559
3,560,277
3,585,162
Premises and equipment, gross
-
-
94,196
-
Less accumulated depreciation
-
-
16,565
-
Right-of-use lease asset
-
-
1,586
-
Premises and equipment, net
96,066
93,140
79,217
78,027
Goodwill
245,351
246,370
175,106
175,106
Other investments
30,563
30,674
23,613
26,966
Cash value of life insurance
97,888
97,275
61,085
60,774
Core deposit intangibles, net
42,991
45,538
16,200
17,404
Mortgage servicing rights ('msr')
18,019
17,484
13,650
13,696
Other real estate owned ('oreo')
2,420
3,190
-
-
Investment in ansay and associates, llc ('ansay')
35,903
35,728
35,444
35,838
Other assets
32,655
31,502
23,905
23,131
Total assets
5,947,512
6,069,013
4,506,095
4,420,411
Interest-bearing deposits
3,489,250
3,589,919
2,692,711
2,554,198
Noninterest-bearing deposits
1,498,332
1,496,897
1,003,076
984,563
Total deposits
4,987,582
5,086,816
3,695,787
3,538,761
Notes payable, before adjustments
80,000
100,000
110,000
210,000
Purchase accounting adjustment
-
-8
-34
-59
Notes payable
80,000
99,992
109,966
209,941
Subordinated notes
16,596
16,603
12,000
12,000
Junior subordinated debenture
8,250
8,250
-
-
Other liabilities
35,774
37,499
44,506
31,584
Total liabilities
5,128,202
5,249,160
3,862,259
3,792,286
Common stock - 0.01 par value authorized - 20,000,000 shares issued - 12,898,070 and 11,515,130 shares as of june 30, 2026 and december 31, 2025, respectively outstanding - 11,079,310 and 9,834,623 shares as of june 30, 2026 and december 31, 2025, respectively
129
129
115
115
Additional paid-in capital
501,251
500,627
333,836
333,285
Retained earnings
449,971
431,374
416,997
403,044
Treasury stock, at cost - 1,818,760 and 1,680,507 shares as of june 30, 2026 and december 31, 2025, respectively
123,122
102,832
102,088
102,160
Accumulated other comprehensive loss
-8,919
-9,445
-5,024
-6,159
Total stockholders' equity
819,310
819,853
643,836
628,125
Total liabilities and stockholders' equity
5,947,512
6,069,013
4,506,095
4,420,411
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

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Balance Sheets

Loans$4,521,687K (26.29%↑ Y/Y)Interest-bearing deposits$181,632K (410.26%↑ Y/Y)Cash and due frombanks$84,891K (0.19%↑ Y/Y)Loans, net$4,465,658K (26.29%↑ Y/Y)Securities available forsale, at fair value...$494,571K (195.78%↑ Y/Y)Cash and cashequivalents$266,523K (121.50%↑ Y/Y)Goodwill$245,351K (40.12%↑ Y/Y)Securities held tomaturity, at amortized...$114,061K (3.83%↑ Y/Y)Cash value of lifeinsurance$97,888K (62.25%↑ Y/Y)Premises and equipment,net$96,066K (26.96%↑ Y/Y)Core depositintangibles, net$42,991K (130.74%↑ Y/Y)Investment in ansay andassociates, llc ('ansay')$35,903K (2.12%↑ Y/Y)Other assets$32,655K (31.72%↑ Y/Y)Other investments$30,563K (31.58%↑ Y/Y)Mortgage servicingrights ('msr')$18,019K (34.02%↑ Y/Y)Loans held for sale$4,843K (-8.07%↓ Y/Y)Other real estateowned ('oreo')$2,420K Allowance for creditlosses - loans...$56,029K (26.50%↑ Y/Y)Total assets$5,947,512K (36.25%↑ Y/Y)Total liabilities andstockholders' equity$5,947,512K (36.25%↑ Y/Y)Total liabilities$5,128,202K (36.65%↑ Y/Y)Total stockholders'equity$819,310K (33.80%↑ Y/Y)Treasury stock, at cost -1,818,760 and 1,680,507...$123,122K (20.43%↑ Y/Y)Accumulated othercomprehensive loss-$8,919K (-14.92%↓ Y/Y)Total deposits$4,987,582K (38.72%↑ Y/Y)Notes payable$80,000K (-27.22%↓ Y/Y)Other liabilities$35,774K (1.03%↑ Y/Y)Subordinated notes$16,596K (38.30%↑ Y/Y)Junior subordinateddebenture$8,250K Additional paid-in capital$501,251K (50.65%↑ Y/Y)Retained earnings$449,971K (15.53%↑ Y/Y)Common stock - 0.01 parvalue authorized -...$129K (12.17%↑ Y/Y)Interest-bearing deposits$3,489,250K (33.92%↑ Y/Y)Noninterest-bearing deposits$1,498,332K (51.34%↑ Y/Y)Notes payable, beforeadjustments$80,000K

Bank First Corp (BFC)

Bank First Corp (BFC)