Bank First, N.A.
Manitowoc, WI
IDRSSD: 594947
Total Assets
$4.42B
Latest filing
Total Deposits
$3.58B
Latest filing
Net Interest Margin
3.95%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Bank First, N.A.
402 N 8th St
Manitowoc, WI 54220
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1894FDIC Certificate 3569
Branches (26)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| Bank First, N.A. (Main) | 402 N 8th St | Manitowoc, WI |
| PLYMOUTH BRANCH | 2700 Eastern Ave | Plymouth, WI |
| TWO RIVERS BRANCH | 1703 Lake St | Two Rivers, WI |
| MISHICOT OFFICE BRANCH | 110 Baugniet St | Mishicot, WI |
| CUSTER STREET BRANCH | 2915 Custer St | Manitowoc, WI |
| BELLEVUE BRANCH | 2747 Manitowoc Rd | Bellevue, WI |
| FOND DU LAC BRANCH | 245 N Peters Ave | Fond Du Lac, WI |
| WAUTOMA BRANCH | 105 N Plaza Rd | Wautoma, WI |
Showing 7 of 26
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 | Trust Powers Not 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 | 368 |
| Domestic Offices | 26 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 02/10/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bankfirst.com |
| Data Updated | 11/14/2025 |
| CERT | 5304 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.42B |
| Total Deposits | $3.58B |
| Total Liabilities | $3.82B |
| Total Equity Capital | $596.57M |
| Net Income | $18.39M |
| Net Loans and Leases | $3.59B |
| Assets Per Employee ($Millions) | $12.07M |
| Bank Premises and Fixed Assets | $78.03M |
| Cash and Balances due from Depository Institutions | $124.24M |
| Deposits Held in Domestic Offices | $3.58B |
Key Performance Ratios
| Return on Assets (ROA) | 1.68% |
| Return on Equity (ROE) | 12.39% |
| Net Interest Margin | 3.95% |
| Efficiency Ratio | 43.59% |
| Tier 1 Risk-Based Capital Ratio | 10.985% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.504% |
| Earning Assets to total Assets | 89.22% |
Income and Expense
| Total Interest Income | $55.45M |
| Total Noninterest Income | $5.73M |
| Total Interest Expense | $17.00M |
| Total Noninterest Expense | $20.49M |
| Net Interest Income | $38.45M |
| Pre-tax Net Operating Income | $23.04M |
| Provision for Credit Losses | $650.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $209.94M |
| Federal Funds Sold & Reverse Repurchase Agreement | $6.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $30.11M |
| Total Liabilities and Capital | $4.42B |
Securities
| Securities | $273.60M |
| Available-for-sale debt securities | $166.65M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $106.82M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank First, N.A.?
$4.42B as of the latest filing.
How much are Bank First, N.A.'s total deposits?
$3.58B in total deposits.
Where is Bank First, N.A. located?
Manitowoc, WI.
What is the Net Interest Margin?
3.95%.
How many domestic offices does it operate?
26.
When was it established?
01/01/1894.
What is the Return on Assets (ROA)?
1.68%.
How much are total loans and leases?
$3.59B (latest filing).
What is the total interest income (latest filing)?
$55.45M.