Bank First N.a. Mortgage Rates, Fees & Info

Manitowoc, WI

LEI: 549300BRLQAIJ1LJA253

Tax ID: 39-0447799

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Bank First N.a. is a smaller bank specializing in Refi and Home Purchase loans. Bank First N.a. has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Sheboygan, Manitowoc, Milwaukee, Green Bay, and Appleton among others. We have data for 45 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Bank First N.a. has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bank First N.a. is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 4/14/24
    30 Year Conventional Purchase 6.77% 4/14/24
    30 Year Conventional Refi 6.84% 4/14/24
    30 Year Cash-out Refi 6.72% 4/14/24
    30 Year VA Purchase 6.74% 4/14/24
    30 Year VA Refi 6.27% 4/14/24
    30 Year USDA Purchase 7.20% 4/14/24
    15 Year Conventional Purchase 5.92% 4/14/24
    15 Year Conventional Refi 6.03% 4/14/24
    15 Year Cash-out Refi 6.03% 4/14/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Bank First N.a. Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Bank First N.a.. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,713

    Origination Dollar Volume (All Markets)

    $583,115,000

    Employee count

    314 Show all (6) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    SHEBOYGAN, WI (FHA|USDA|VA) 552 $111,430,000 $201,866 $2,035 3.26%
    Manitowoc, WI (FHA|USDA|VA) 631 $105,155,000 $166,648 $1,726 3.26%
    Outside of Metro Areas 489 $76,945,000 $157,352 $2,208 3.53%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 290 $75,100,000 $258,966 $2,201 3.26%
    GREEN BAY, WI (FHA|USDA|VA) 265 $59,555,000 $224,736 $1,842 3.41%
    APPLETON, WI (FHA|USDA|VA) 152 $46,560,000 $306,316 $1,873 3.27%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 107 $32,845,000 $306,963 $2,035 3.45%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 9 $14,025,000 $1,558,333 $2,072 3.41%
    MADISON, WI (FHA|USDA|VA) 18 $5,900,000 $327,778 $1,863 3.75%
    Beaver Dam, WI (FHA|USDA|VA) 28 $5,640,000 $201,429 $2,089 3.31%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 32 $5,610,000 $175,313 $1,499 3.61%
    FOND DU LAC, WI (FHA|USDA|VA) 22 $4,970,000 $225,909 $2,134 3.27%
    Stevens Point, WI (FHA|USDA|VA) 14 $4,660,000 $332,857 $1,631 3.94%
    New Ulm, MN (FHA|USDA|VA) 1 $4,245,000 $4,245,000 $0 3.11%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 5 $3,855,000 $771,000 $4,186 3.13%
    Shawano, WI (FHA|USDA|VA) 20 $3,580,000 $179,000 $1,865 3.29%
    Marinette, WI-MI (FHA|USDA|VA) 19 $3,245,000 $170,789 $1,859 3.01%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 7 $2,035,000 $290,714 $5,357 3.09%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 6 $1,980,000 $330,000 $1,552 3.38%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $1,855,000 $1,855,000 $6,026 3.25%
    EAU CLAIRE, WI (FHA|USDA|VA) 9 $1,685,000 $187,222 $3,003 3.06%
    Platteville, WI (FHA|USDA|VA) 1 $1,605,000 $1,605,000 $7,593 4.48%
    Kalispell, MT (FHA|USDA|VA) 1 $1,485,000 $1,485,000 $6,952 3.25%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $1,365,000 $1,365,000 $1,170 3.00%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $935,000 $935,000 $8,459 2.65%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $895,000 $895,000 $0 3.25%
    OCALA, FL (FHA|USDA|VA) 1 $755,000 $755,000 $5,939 3.70%
    DULUTH, MN-WI (FHA|USDA|VA) 3 $535,000 $178,333 $2,328 3.54%
    RACINE, WI (FHA|USDA|VA) 2 $510,000 $255,000 $1,245 2.94%
    Iron Mountain, MI-WI (FHA|USDA|VA) 5 $475,000 $95,000 $1,734 3.72%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $475,000 $475,000 $3,725 2.88%
    Whitewater, WI (FHA|USDA|VA) 1 $465,000 $465,000 $9,215 3.25%
    Baraboo, WI (FHA|USDA|VA) 3 $445,000 $148,333 $1,423 3.33%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $425,000 $425,000 $0 3.75%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $385,000 $385,000 $3,421 3.13%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 3 $355,000 $118,333 $2,224 2.75%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $240,000 $120,000 $1,695 3.69%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $185,000 $185,000 $2,749 3.00%
    TUCSON, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $2,074 2.75%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $115,000 $115,000 $2,122 4.65%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $105,000 $105,000 $1,120 4.13%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $95,000 $95,000 $1,702 2.88%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $85,000 $85,000 $3,216 3.25%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.99%
    Menomonie, WI (FHA|USDA|VA) 1 $35,000 $35,000 $0 3.99%
    Bank First N.a.'s top markets include Sheboygan, Manitowoc, Milwaukee, Green Bay, and Appleton among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Bank First N.A. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    The Bank of Kaukauna
    Similarity Rank: 112
    Prevail Bank
    Similarity Rank: 162
    The Greenwood's State Bank
    Similarity Rank: 432
    Empower Credit Union
    Similarity Rank: 459
    Hometown Bank
    Similarity Rank: 576
    Range Bank
    Similarity Rank: 580
    UNISON CREDIT UNION
    Similarity Rank: 595
    PCM
    Similarity Rank: 672
    CAPITAL Credit Union
    Similarity Rank: 686
    UNITEDONE Credit Union
    Similarity Rank: 689

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,252 $539,980,000 $239,778 $1,966 3.22%
    HELOC 426 $36,410,000 $85,469 n/a 4.06%
    VA 18 $4,200,000 $233,333 $4,373 2.80%
    USDA 17 $2,525,000 $148,529 $4,432 2.94%

    For 2020, Bank First N.a.'s most frequently originated type of loan was Conventional, with 2,252 originations. Their 2nd most popular type was HELOC, with 426 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,450 $322,460,000 $222,386 $1,551 3.24%
    Home Purchase 663 $188,475,000 $284,276 $2,837 3.41%
    Cash Out Refi 248 $45,610,000 $183,911 $2,869 3.00%
    Other 195 $17,245,000 $88,436 $1,122 3.84%
    Home Improvement 157 $9,325,000 $59,395 $863 3.97%

    For 2020, Bank First N.a.'s most frequently cited loan purpose was Refi, with 1,450 originations. The 2nd most popular reason was Home Purchase, with 663 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,000 $247,080,000 $247,080 $2,449 3.31%
    20 Year 677 $83,055,000 $122,681 $1,904 3.78%
    15 Year 610 $113,470,000 $186,016 $1,694 2.81%
    10 Year 258 $81,800,000 $317,054 $1,196 3.06%
    Other 79 $34,955,000 $442,468 $590 3.89%
    5 Year 76 $19,690,000 $259,079 $696 4.27%
    3 Year 8 $2,380,000 $297,500 $949 4.80%
    1 Year 5 $685,000 $137,000 $0 4.40%

    For 2020, Bank First N.a.'s most frequently cited loan duration was 30 Year, with 1,000 originations. The 2nd most popular length was 20 Year, with 677 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,533 $301,785,000 $196,859
    $1k-2k 362 $75,570,000 $208,757
    $2k-3k 139 $32,625,000 $234,712
    $3k-4k 44 $10,970,000 $249,318
    $4k-5k 23 $7,115,000 $309,348
    $5k+ 23 $7,495,000 $325,870

    Bank First N.a.'s average total fees were $2,449, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,533 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,223 $278,755,000 $227,927
    2.5-3% 856 $179,720,000 $209,953
    <2.5% 297 $53,245,000 $179,276
    4-5% 278 $66,270,000 $238,381
    5-6% 40 $4,200,000 $105,000
    7-8% 10 $440,000 $44,000
    6-7% 9 $485,000 $53,889

    During 2020, Bank First N.a.'s average interest rate for loans was 3.31%, while their most frequently originated rate bucket for loans was 3-4%, with 1,223 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 985 $142,855,000 $145,030 $1,965 3.17%
    $100,000 or less 834 $48,580,000 $58,249 $1,356 3.70%
    $200k-400k 683 $187,745,000 $274,883 $2,369 3.16%
    $400k-600k 124 $58,360,000 $470,645 $2,801 3.21%
    $600k-1MM 50 $38,370,000 $767,400 $2,177 3.51%
    $1MM+ 37 $107,205,000 $2,897,432 $3,474 3.47%

    2020 saw Bank First N.a. place emphasis on $100k-200k loans with 985 originations, totaling $142,855,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 538 $97,650,000 $181,506 $2,187 3.30%
    $50k-75k 524 $68,650,000 $131,011 $1,963 3.26%
    $75k-100k 473 $73,425,000 $155,233 $1,976 3.30%
    $50k or less 430 $39,540,000 $91,953 $1,764 3.47%
    $150k-250k 357 $85,785,000 $240,294 $2,150 3.27%
    $250k+ 249 $109,225,000 $438,655 $2,048 3.22%

    Bank First N.a. lent most frequently to those with incomes in the $100k-150k range, with 538 originations. The second most popular income band? $50k-75k, with 524 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 764 $137,520,000 $180,000 $1,921 3.24%
    <20% 533 $95,585,000 $179,334 $1,745 3.41%
    30-36% 466 $85,010,000 $182,425 $2,208 3.25%
    39% 78 $15,970,000 $204,744 $2,113 3.30%
    37% 77 $15,255,000 $198,117 $2,163 3.19%
    42% 72 $13,330,000 $185,139 $2,137 3.09%
    36% 72 $12,900,000 $179,167 $2,072 3.29%
    40% 70 $12,780,000 $182,571 $2,076 3.12%
    44% 66 $12,560,000 $190,303 $2,095 3.31%
    41% 65 $13,885,000 $213,615 $2,074 3.33%
    43% 62 $14,240,000 $229,677 $2,372 3.17%
    45% 56 $10,680,000 $190,714 $2,406 3.33%
    38% 45 $7,345,000 $163,222 $1,739 3.22%
    50-60% 41 $6,695,000 $163,293 $1,114 4.39%
    46% 29 $6,175,000 $212,931 $2,011 3.48%
    48% 28 $5,840,000 $208,571 $2,531 3.30%
    49% 23 $5,305,000 $230,652 $2,320 3.25%
    47% 23 $4,155,000 $180,652 $1,726 3.12%
    >60% 12 $1,560,000 $130,000 $1,222 5.67%

    Bank First N.a. lent most frequently to those with DTI ratios of 20-30%, with 764 originations. The next most common DTI ratio? <20%, with 533 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,462 $455,110,000 $184,854 $2,004 3.29%
    Not applicable 128 $106,210,000 $829,766 $0 4.09%
    Not provided 88 $11,590,000 $131,705 $2,134 3.91%
    Asian 21 $6,135,000 $292,143 $1,945 3.11%
    Black 8 $3,220,000 $402,500 $1,753 3.08%
    American Indian 5 $735,000 $147,000 $3,085 3.00%
    Native Hawaiian or Islander 1 $115,000 $115,000 $1,742 3.25%

    Approval Rates

    Total approvals of all applications
    96.20%

    Bank First N.a. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    89.38%

    Bank First N.a. has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    263.5 17 $815,000 $47,941
    316.0 1 $115,000 $115,000
    603.58 1 $15,000 $15,000
    NA 2,694 $582,170,000 $216,099

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 50 $80,050,000 $1,601,000
    Single Family (1-4 Units):Manufactured 74 $6,110,000 $82,568
    Single Family (1-4 Units):Site-Built 2,589 $496,955,000 $191,949

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 332 $35,770,000 $107,741 $1,213 3.65%
    40-60% 525 $96,735,000 $184,257 $1,489 3.17%
    60-80% 972 $259,170,000 $266,636 $2,189 3.19%
    80-100% 627 $170,225,000 $271,491 $2,480 3.35%
    Over 100% 8 $8,920,000 $1,115,000 $5,887 3.35%
    Under 20% 249 $12,295,000 $49,378 $606 3.92%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    BANK OF THE WEST Conventional home mortgage Incorrect information on your report 1 3.8%
    BANK OF THE WEST Conventional home mortgage Closing on a mortgage 2 7.7%
    BANK OF THE WEST Other type of mortgage Trouble during payment process 4 15.4%
    BANK OF THE WEST Other type of mortgage Struggling to pay mortgage 2 7.7%
    BANK OF THE WEST Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.8%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Trouble during payment process 6 23.1%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 3.8%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Closing on a mortgage 2 7.7%
    BANK OF THE WEST Conventional home mortgage Trouble during payment process 4 15.4%
    BANK OF THE WEST Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 7.7%
    BANK OF THE WEST Conventional home mortgage Struggling to pay mortgage 1 3.8%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bank First, N.A. 1703 Lake Street Two Rivers, WI 54241 Full Service B&M $79,175
    Bank First, N.A. 111 Jefferson Street Waupaca, WI 54981 Full Service B&M $120,806
    Bank First, N.A. 101 East Main Street Weyauwega, WI 54983 Full Service B&M $21,047
    Bank First, N.A. 102 East Veterans Street Tomah, WI 54660 Limited, Administrative $0
    Bank First, N.A. 1021 Superior Avenue Tomah, WI 54660 Full Service B&M $88,075
    Bank First, N.A. 104 West Main Street Watertown, WI 53094 Full Service B&M $52,301
    Bank First, N.A. 110 Baugniet Street Mishicot, WI 54228 Full Service B&M $71,351
    Bank First, N.A. 110 West Veterans Street Tomah, WI 54660 Full Service B&M $141,299
    Bank First, N.A. 1159 North Keoller Street Oshkosh, WI 54902 Full Service B&M $112,881
    Bank First, N.A. 11740 North Port Washington Road Mequon, WI 53092 Full Service B&M $44,082
    Bank First, N.A. 120 West Monowau Street Tomah, WI 54660 Limited, Drive-thru $0
    Bank First, N.A. 135 South Main Street Clintonville, WI 54929 Full Service B&M $58,790
    Bank First, N.A. 167 Lincoln Street Valders, WI 54245 Full Service B&M $50,809
    Bank First, N.A. 2600 Kohler Memorial Drive Sheboygan, WI 53081 Full Service B&M $268,024
    Bank First, N.A. 2700 Eastern Ave. Plymouth, WI 53073 Full Service B&M $221,913
    Bank First, N.A. 2747 Manitowoc Road Bellevue, WI 54311 Full Service B&M $98,157
    Bank First, N.A. 2810 South Ridge Road Green Bay, WI 54304 Full Service B&M $86,232
    Bank First, N.A. 2915 Custer Street Manitowoc, WI 54220 Full Service B&M $104,163
    Bank First, N.A. 295 East State Street Iola, WI 54945 Full Service B&M $45,095
    Bank First, N.A. 402 N 8th St Manitowoc, WI 54220 Full Service B&M $309,232
    Bank First, N.A. 4201 W Wisconsin Ave Appleton, WI 54913 Full Service B&M $48,728
    Bank First, N.A. 601 Fremont Street Kiel, WI 53042 Full Service B&M $77,222
    Bank First, N.A. 621 2nd St Chetek, WI 54728 Full Service B&M $35,299
    Bank First, N.A. 689 Woodland Plaza Seymour, WI 54165 Full Service B&M $43,498
    Bank First, N.A. W61 N529 Washington Avenue Cedarburg, WI 53012 Full Service B&M $86,523

    For 2020, Bank First N.a. had 25 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $100,700
    Net interest income $87,625
    Total noninterest income $20,360
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $2,031
    Trading account gains and fees $0
    Additional Noninterest Income $18,329
    Pre-tax net operating income $50,315
    Securities gains (or losses, -) $3,233
    Income before extraordinary items $40,717
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $40,717
    Minority interest net income $0
    Net income $40,717
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $38,162

    Bank First N.a.'s gross interest income from loans was $100,700,000.
    Bank First N.a.'s net interest income from loans was $87,625,000.
    Bank First N.a.'s fee based income from loans was $2,031,000.
    Bank First N.a.'s net income from loans was $40,717,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $13,075
    Provision for credit losses $7,125
    Total noninterest expense $50,545
    Salaries and employee benefits $26,191
    Premises and equipment expense $6,508
    Additional noninterest expense $17,846
    Applicable income taxes $12,831
    Net charge-offs $863
    Cash dividends $21,406

    Bank First N.a.'s interest expense for loans was $13,075,000.
    Bank First N.a.'s payroll and benefits expense were $26,191,000.
    Bank First N.a.'s property, plant and equipment expenses $6,508,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.5%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,322,621
    Deposits held in domestic offices $2,322,621
    Deposits by Individuals, partnerships, and corporations $2,138,889
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $183,691
    Deposits by Commercial banks and other depository institutions in U.S. $41
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $952,581
    Demand deposits $717,329
    Nontransaction accounts $1,370,040
    Money market deposit accounts (MMDAs) $636,073
    Other savings deposits (excluding MMDAs) $385,582
    Total time deposits $348,385
    Total time and savings deposits $1,605,292
    Noninterest-bearing deposits $717,274
    Interest-bearing deposits $1,605,347
    Retail deposits $2,242,969
    IRAs and Keogh plan accounts $61,363
    Brokered deposits $19,194
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,718,008
    Cash & Balances due from depository institutions $42,622
    Interest-bearing balances $7,297
    Total securities $169,607
    Federal funds sold & reverse repurchase $128,769
    Net loans and leases $2,174,611
    Loan and leases loss allowance $17,658
    Trading account assets $0
    Bank premises and fixed assets $43,182
    Other real estate owned $1,888
    Goodwill and other intangibles $64,638
    All other assets $92,691

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,718,008
    Total Liabilities $2,405,866
    Total deposits $2,322,621
    Interest-bearing deposits $1,605,347
    Deposits held in domestic offices $2,322,621
    % insured (estimated) $71
    Federal funds purchased and repurchase agreements $36,377
    Trading liabilities $0
    Other borrowed funds $23,469
    Subordinated debt $0
    All other liabilities $23,399

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,174,611
    Loan and leases loss allowance $17,658
    Total loans and leases (domestic) $2,192,269
    All real estate loans $1,678,937
    Real estate loans in domestic offices $1,678,937
    Construction and development loans $140,074
    Residential 1-4 family construction $19,735
    Other construction, all land development and other land $120,339
    Loans secured by nonfarm nonresidential properties $732,884
    Nonfarm nonresidential secured by owner-occupied properties $455,155
    Commercial real estate & other non-farm, non-residential $277,729
    Multifamily residential real estate $165,266
    1-4 family residential loans $546,615
    Farmland loans $94,098
    Loans held in foreign offices $0
    Farm loans $20,061
    Commercial and industrial loans $407,609
    To non-U.S. addressees $0
    Loans to individuals $30,489
    Credit card loans $2,571
    Related Plans $1,699
    Consumer Auto Loans $13,661
    Other loans to individuals $12,558
    All other loans & leases $55,173
    Loans to foreign governments and official institutions $0
    Other loans $37,851
    Loans to depository institutions and acceptances of other banks $1,479
    Loans not secured by real estate $2,902
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,131
    Non 1-4 family restructured loans & leases $872
    Total loans and leases (foreign) $0

    Bank First N.A. had $2,174,611,000 of loans outstanding in 2020. $1,678,937,000 of loans were in real estate loans. $140,074,000 of loans were in development loans. $165,266,000 of loans were in multifamily mortgage loans. $546,615,000 of loans were in 1-4 family mortgage loans. $20,061,000 of loans were in farm loans. $2,571,000 of loans were in credit card loans. $13,661,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,655 $332,116 $200,674
    Nonfarm, nonresidential loans - <$100k 409 $15,687 $38,355
    Nonfarm, nonresidential loans - $100-250k 555 $66,739 $120,250
    Nonfarm, nonresidential loans - $250k-1MM 691 $249,690 $361,346
    Commercial & Industrial, US addressed loans - <$1MM 2,163 $209,308 $96,767
    Commercial & Industrial, US addressed loans - <$100k 1,456 $41,216 $28,308
    Commercial & Industrial, US addressed loans - $100-250k 392 $46,877 $119,584
    Commercial & Industrial, US addressed loans - $250k-1MM 315 $121,215 $384,810
    Farmland loans - <$1MM 258 $25,442 $98,612
    Farmland loans - <$100k 83 $2,245 $27,048
    Farmland loans - $100-250k 109 $9,717 $89,147
    Farmland loans - $250k-1MM 66 $13,480 $204,242
    Agriculture operations loans - <$1MM 139 $6,379 $45,892
    Agriculture operations loans - <$100k 108 $2,161 $20,009
    Agriculture operations loans - $100-250k 22 $2,017 $91,682
    Agriculture operations loans - $250k-1MM 9 $2,201 $244,556