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Bankfirst

IDRSSD: 117458
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 117458 held $1.2B in total assets as of 2026-03-31 (+0.1% quarter-over-quarter). Total loans stood at $717.0M (-1.5% QoQ) and total deposits at $750.3M (+1.5% QoQ).

Overall position is adequate — the composite Health Score is 63/100 (Adequate). Tier 1 / RWA stands at 19.26%, in the top quartile of peers. Asset quality (NPL ratio) sits in the below median of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
63/100
Adequate
Active Alerts
1
0 critical, 1 warning
Total Assets
$1.2B
+0.1% QoQ
Total Loans
$717.0M
-1.5% QoQ
Total Deposits
$750.3M
+1.5% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
19.26%
83th pctile · n=336↑ better
+67 bp QoQ
CET1 / RWA
19.26%
89th pctile · n=500↑ better
+67 bp QoQ
Total RBC / RWA
20.51%
83th pctile · n=336↑ better
+77 bp QoQ
Tier 1 Leverage Ratio
19.26%
89th pctile · n=500↑ better
+67 bp QoQ

Liquidity

Cash / Assets
0.69%
3th pctile · n=500↑ better
-39 bp QoQ
Loans / Deposits
95.57%
80th pctile · n=498↓ better
-289 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.69%
63th pctile · n=500↓ better
-74 bp QoQ
NPA / Assets
0.42%
55th pctile · n=500↓ better
-46 bp QoQ
Texas Ratio (regulatory)
2.62%
48th pctile · n=500↓ better
-310 bp QoQ
Net Charge-Offs / Avg Loans
-0.05%
5th pctile · n=500↓ better
-126 bp QoQ
ALLL Coverage of NPL
233.50%
54th pctile · n=500↑ better
+13195 bp QoQ

Earnings

Net Interest Margin
4.28%
75th pctile · n=500↑ better
-18 bp QoQ
Return on Assets
1.93%
85th pctile · n=500↑ better
-61 bp QoQ
Return on Equity
12.38%
53th pctile · n=500↑ better
-441 bp QoQ
Efficiency Ratio
36.50%
4th pctile · n=500↓ better
+340 bp QoQ
Pre-tax NOI / Avg Assets
2.46%
91th pctile · n=500↑ better
-35 bp QoQ

Funding

Brokered / Deposits
8.57%
79th pctile · n=498↓ better
+112 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
25.20%
100th pctile · n=500↓ better
-120 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
34.37%
91th pctile · n=500↑ better
+157 bp QoQ
AFS Securities / Assets
34.34%
94th pctile · n=500↑ better
+157 bp QoQ
HTM Securities / Assets
0.04%
59th pctile · n=500↑ better
-0 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-12 21:41:01 UTC