Bank First, N.A.
Manitowoc, WI
IDRSSD: 594947
Total Assets
$4.50B
Latest filing
Total Deposits
$3.75B
Latest filing
Net Interest Margin
4.05%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
075901134MANITOWOC, WI
Key People
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Locations
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Main Office
Bank First, N.A.
402 N 8th St
Manitowoc, WI 54220
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1894FDIC Certificate 3569
Branches (44)
Page 1 of 7| Name | Address | City / State |
|---|---|---|
| Bank First, N.A. (Main) | 402 N 8th St | Manitowoc, WI |
| PLYMOUTH BRANCH | 2700 Eastern Ave | Plymouth, WI |
| ROCKTON BRANCH | 300 E Main St | Rockton, IL |
| WINNEBAGO BRANCH | 508 N Elida St | Winnebago, IL |
| INMAN PARKWAY BRANCH | 1882 E Inman Pkwy | Beloit, WI |
| THE MADISON ROAD BRANCH | 1795 Madison Rd | Beloit, WI |
| TWO RIVERS BRANCH | 1703 Lake St | Two Rivers, WI |
| MISHICOT OFFICE BRANCH | 110 Baugniet St | Mishicot, WI |
Showing 7 of 44
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1894 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 54220 |
| State and County Number | 55071 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Manitowoc, WI |
Operational Info
| Number of Employees | 366 |
| Domestic Offices | 27 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/01/2026 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bankfirst.com |
| Data Updated | 01/30/2026 |
| CERT | 5304 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.50B |
| Total Deposits | $3.75B |
| Total Liabilities | $3.90B |
| Total Equity Capital | $600.60M |
| Net Income | $18.90M |
| Net Loans and Leases | $3.57B |
| Assets Per Employee ($Millions) | $11.85M |
| Bank Premises and Fixed Assets | $79.22M |
| Cash and Balances due from Depository Institutions | $241.25M |
| Deposits Held in Domestic Offices | $3.75B |
Key Performance Ratios
| Return on Assets (ROA) | 1.7% |
| Return on Equity (ROE) | 12.63% |
| Net Interest Margin | 4.05% |
| Efficiency Ratio | 44.92% |
| Tier 1 Risk-Based Capital Ratio | 11.169% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.338% |
| Earning Assets to total Assets | 89.32% |
Income and Expense
| Total Interest Income | $56.63M |
| Total Noninterest Income | $4.69M |
| Total Interest Expense | $16.28M |
| Total Noninterest Expense | $21.44M |
| Net Interest Income | $40.36M |
| Pre-tax Net Operating Income | $23.61M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $109.97M |
| Federal Funds Sold & Reverse Repurchase Agreement | $10.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $40.60M |
| Total Liabilities and Capital | $4.50B |
Securities
| Securities | $267.80M |
| Available-for-sale debt securities | $163.95M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $103.73M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank First, N.A.?
$4.50B as of the latest filing.
How much are Bank First, N.A.'s total deposits?
$3.75B in total deposits.
Where is Bank First, N.A. located?
Manitowoc, WI.
What is the Net Interest Margin?
4.05%.
How many domestic offices does it operate?
27.
When was it established?
01/01/1894.
What is the Return on Assets (ROA)?
1.7%.
How much are total loans and leases?
$3.57B (latest filing).
What is the total interest income (latest filing)?
$56.63M.