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

Manitowoc, WI

LEI: 549300BRLQAIJ1LJA253

Tax ID: 39-0447799

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Mortgage Data

Bank Data

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: Milwaukee, Sheboygan, Manitowoc, Green Bay, and Oshkosh among others. We have data for 52 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 an above 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.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 4/18/24
30 Year Conventional Purchase 6.77% 4/18/24
30 Year Conventional Refi 6.84% 4/18/24
30 Year Cash-out Refi 6.72% 4/18/24
30 Year VA Purchase 6.74% 4/18/24
30 Year VA Refi 6.27% 4/18/24
30 Year USDA Purchase 7.20% 4/18/24
15 Year Conventional Purchase 5.92% 4/18/24
15 Year Conventional Refi 6.03% 4/18/24
15 Year Cash-out Refi 6.03% 4/18/24
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

2,996

Origination Dollar Volume (All Markets)

$665,080,000

Employee count

287 Show all (10) 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
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 329 $146,365,000 $444,878 $1,433 2.96%
SHEBOYGAN, WI (FHA|USDA|VA) 643 $110,395,000 $171,687 $1,465 3.00%
Manitowoc, WI (FHA|USDA|VA) 607 $99,245,000 $163,501 $1,420 3.00%
Outside of Metro Areas 570 $93,300,000 $163,684 $1,681 3.12%
GREEN BAY, WI (FHA|USDA|VA) 293 $74,125,000 $252,986 $1,582 3.07%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 114 $34,770,000 $305,000 $1,444 3.16%
APPLETON, WI (FHA|USDA|VA) 146 $29,520,000 $202,192 $1,479 3.01%
Stevens Point, WI (FHA|USDA|VA) 67 $14,805,000 $220,970 $1,987 3.14%
FOND DU LAC, WI (FHA|USDA|VA) 19 $6,235,000 $328,158 $1,422 3.06%
Beaver Dam, WI (FHA|USDA|VA) 29 $5,585,000 $192,586 $1,766 3.32%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 6 $5,290,000 $881,667 $3,842 3.15%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 27 $4,815,000 $178,333 $1,246 2.91%
MADISON, WI (FHA|USDA|VA) 8 $4,310,000 $538,750 $1,985 3.00%
Shawano, WI (FHA|USDA|VA) 21 $4,065,000 $193,571 $1,484 3.02%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $3,875,000 $3,875,000 $15,992 2.75%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 17 $3,245,000 $190,882 $2,135 3.22%
WAUSAU-WESTON, WI (FHA|USDA|VA) 17 $2,945,000 $173,235 $2,426 3.04%
Marinette, WI-MI (FHA|USDA|VA) 16 $2,900,000 $181,250 $1,925 3.05%
Kapaa, HI (FHA|USDA|VA) 1 $2,735,000 $2,735,000 $2,154 3.50%
Steamboat Springs, CO (FHA|USDA|VA) 1 $2,035,000 $2,035,000 $0 3.10%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 8 $1,920,000 $240,000 $2,112 3.31%
RACINE, WI (FHA|USDA|VA) 7 $1,315,000 $187,857 $1,077 2.52%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $1,195,000 $1,195,000 $5,629 3.25%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 3 $1,055,000 $351,667 $1,988 3.08%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 4 $900,000 $225,000 $3,048 2.88%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $710,000 $355,000 $4,378 2.93%
EAU CLAIRE, WI (FHA|USDA|VA) 4 $680,000 $170,000 $2,110 3.28%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $655,000 $655,000 $2,087 2.88%
Menomonie, WI (FHA|USDA|VA) 4 $650,000 $162,500 $0 3.95%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $580,000 $290,000 $3,569 2.63%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $505,000 $505,000 $991 3.50%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $490,000 $245,000 $3,897 3.38%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $355,000 $355,000 $5,086 3.25%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $335,000 $335,000 $3,425 2.50%
Baraboo, WI (FHA|USDA|VA) 2 $320,000 $160,000 $1,555 2.98%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $295,000 $295,000 $3,454 2.75%
Escanaba, MI (FHA|USDA|VA) 3 $275,000 $91,667 $1,365 2.69%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $255,000 $255,000 $2,711 3.25%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $235,000 $235,000 $3,375 3.00%
KNOXVILLE, TN (FHA|USDA|VA) 1 $235,000 $235,000 $3,015 2.63%
Whitewater, WI (FHA|USDA|VA) 1 $235,000 $235,000 $2,585 2.88%
Key West, FL (FHA|USDA|VA) 1 $195,000 $195,000 $0 3.38%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $165,000 $165,000 $3,319 2.38%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $160,000 $80,000 $1,005 3.25%
Pontiac, IL (FHA|USDA|VA) 2 $160,000 $80,000 $2,672 2.06%
Harrison, AR (FHA|USDA|VA) 1 $125,000 $125,000 $2,433 3.25%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $125,000 $125,000 $2,296 1.95%
DECATUR, IL (FHA|USDA|VA) 1 $105,000 $105,000 $2,555 3.13%
IOWA CITY, IA (FHA|USDA|VA) 1 $85,000 $85,000 $2,516 3.00%
FLINT, MI (FHA|USDA|VA) 1 $85,000 $85,000 $2,126 2.25%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $65,000 $65,000 $2,705 3.25%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $55,000 $55,000 $2,672 3.25%
Bank First N.a.'s top markets include Milwaukee, Sheboygan, Manitowoc, Green Bay, and Oshkosh among others.

Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Hawaii (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.

    FOND DU LAC
    Similarity Rank: 128
    PROSPERA Credit Union
    Similarity Rank: 140
    Prevail Bank
    Similarity Rank: 154
    Wolf River Community Bank
    Similarity Rank: 450
    The Bank of Kaukauna
    Similarity Rank: 484
    The Greenwood's State Bank
    Similarity Rank: 500
    Settlers Bank
    Similarity Rank: 513
    Fox Valley Savings Bank
    Similarity Rank: 516
    BLC Community Bank
    Similarity Rank: 555

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,483 $612,845,000 $246,816 $1,525 2.86%
    HELOC 474 $43,900,000 $92,616 n/a 3.98%
    VA 33 $7,485,000 $226,818 $3,819 2.75%
    USDA 6 $850,000 $141,667 $4,418 3.04%

    For 2021, Bank First N.a.'s most frequently originated type of loan was Conventional, with 2,483 originations. Their 2nd most popular type was HELOC, with 474 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,335 $287,855,000 $215,622 $1,193 2.76%
    Home Purchase 830 $262,840,000 $316,675 $2,311 3.22%
    Cash Out Refi 388 $71,950,000 $185,438 $1,534 2.85%
    Home Improvement 229 $17,345,000 $75,742 $758 3.75%
    Other 214 $25,090,000 $117,243 $1,130 3.65%

    For 2021, Bank First N.a.'s most frequently cited loan purpose was Refi, with 1,335 originations. The 2nd most popular reason was Home Purchase, with 830 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,130 $276,670,000 $244,841 $1,939 3.17%
    20 Year 732 $96,220,000 $131,448 $1,409 3.63%
    15 Year 614 $115,330,000 $187,834 $1,355 2.43%
    10 Year 251 $47,215,000 $188,108 $1,082 2.74%
    Other 221 $56,295,000 $254,729 $832 2.27%
    5 Year 40 $71,790,000 $1,794,750 $469 3.68%
    3 Year 4 $340,000 $85,000 $435 3.58%
    1 Year 3 $495,000 $165,000 $0 4.00%
    30+ year 1 $725,000 $725,000 $2,425 4.05%

    For 2021, Bank First N.a.'s most frequently cited loan duration was 30 Year, with 1,130 originations. The 2nd most popular length was 20 Year, with 732 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,306 $476,750,000 $206,743
    $1k-2k 48 $9,310,000 $193,958
    $3k-4k 13 $2,935,000 $225,769
    $2k-3k 8 $1,460,000 $182,500
    $4k-5k 2 $660,000 $330,000
    $5k+ 2 $660,000 $330,000

    Bank First N.a.'s average total fees were $1,939, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,306 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,142 $273,880,000 $239,825
    2.5-3% 863 $214,565,000 $248,627
    <2.5% 853 $151,285,000 $177,356
    4-5% 119 $23,545,000 $197,857
    5-6% 9 $715,000 $79,444
    % 6 $470,000 $78,333
    6-7% 3 $565,000 $188,333
    7-8% 1 $55,000 $55,000

    During 2021, Bank First N.a.'s average interest rate for loans was 3.17%, while their most frequently originated rate bucket for loans was 3-4%, with 1,142 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,148 $165,090,000 $143,807 $1,512 2.89%
    $100,000 or less 855 $50,605,000 $59,187 $1,204 3.31%
    $200k-400k 750 $202,900,000 $270,533 $1,728 2.94%
    $400k-600k 167 $79,705,000 $477,275 $1,910 3.03%
    $600k-1MM 49 $37,365,000 $762,551 $2,325 3.28%
    $1MM+ 27 $129,415,000 $4,793,148 $3,870 3.21%

    2021 saw Bank First N.a. place emphasis on $100k-200k loans with 1,148 originations, totaling $165,090,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 642 $120,630,000 $187,897 $1,515 3.00%
    $50k-75k 616 $84,110,000 $136,542 $1,509 2.98%
    $75k-100k 499 $78,885,000 $158,086 $1,570 3.01%
    $50k or less 479 $49,215,000 $102,745 $1,562 3.12%
    $150k-250k 388 $100,330,000 $258,582 $1,572 3.02%
    $250k+ 221 $97,825,000 $442,647 $1,883 2.98%

    Bank First N.a. lent most frequently to those with incomes in the $100k-150k range, with 642 originations. The second most popular income band? $50k-75k, with 616 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 825 $148,265,000 $179,715 $1,518 2.94%
    30-36% 555 $101,955,000 $183,703 $1,647 3.03%
    <20% 497 $90,655,000 $182,404 $1,365 3.06%
    38% 92 $14,320,000 $155,652 $1,569 3.00%
    43% 88 $19,410,000 $220,568 $1,954 3.12%
    44% 86 $15,380,000 $178,837 $1,528 2.93%
    41% 85 $15,835,000 $186,294 $1,664 2.90%
    36% 83 $15,235,000 $183,554 $1,378 3.09%
    42% 81 $15,155,000 $187,099 $1,803 3.09%
    39% 74 $15,020,000 $202,973 $1,597 3.15%
    40% 74 $15,410,000 $208,243 $1,431 2.83%
    37% 73 $12,935,000 $177,192 $1,586 3.06%
    49% 54 $11,100,000 $205,556 $1,457 3.02%
    45% 53 $11,745,000 $221,604 $1,730 2.97%
    48% 50 $11,200,000 $224,000 $1,710 2.94%
    47% 48 $9,970,000 $207,708 $1,750 2.97%
    46% 46 $9,070,000 $197,174 $1,516 2.97%
    50-60% 36 $7,570,000 $210,278 $2,192 3.57%
    >60% 13 $2,505,000 $192,692 $1,356 4.06%

    Bank First N.a. lent most frequently to those with DTI ratios of 20-30%, with 825 originations. The next most common DTI ratio? 30-36%, with 555 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,745 $504,225,000 $183,689 $1,551 3.01%
    Not applicable 82 $122,280,000 $1,491,220 $0 3.88%
    Not provided 86 $17,780,000 $206,744 $1,718 2.99%
    Asian 47 $9,875,000 $210,106 $1,848 3.04%
    Asian Indian 9 $4,785,000 $531,667 $2,010 2.91%
    American Indian 18 $2,660,000 $147,778 $1,619 3.29%
    Black 5 $2,475,000 $495,000 $2,097 3.37%
    Other Asian 2 $600,000 $300,000 $1,562 2.63%
    Native Hawaiian or Islander 2 $400,000 $200,000 $2,082 3.06%

    Approval Rates

    Total approvals of all applications
    95.62%

    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
    91.26%

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

    Points and Fees

    Points Originations Total Value Average Loan
    263.5 9 $385,000 $42,778
    290.5 1 $45,000 $45,000
    NA 2,986 $664,650,000 $222,589

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,996 $665,080,000 $221,989

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 411 $46,005,000 $111,934 $1,103 3.10%
    40-60% 641 $119,295,000 $186,108 $1,288 2.73%
    60-80% 1,034 $294,320,000 $284,642 $1,563 2.90%
    80-100% 606 $181,280,000 $299,142 $2,138 3.21%
    Over 100% 8 $2,910,000 $363,750 $6,521 3.40%
    Under 20% 296 $21,270,000 $71,858 $628 3.76%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    BANK OF THE WEST Conventional home mortgage Trouble during payment process 6 20.0%
    BANK OF THE WEST VA mortgage Trouble during payment process 1 3.3%
    BANK OF THE WEST Other type of mortgage Trouble during payment process 2 6.7%
    BANK OF THE WEST Other type of mortgage Struggling to pay mortgage 1 3.3%
    BANK OF THE WEST Other type of mortgage Closing on a mortgage 1 3.3%
    BANK OF THE WEST Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.3%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Trouble during payment process 3 10.0%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Closing on a mortgage 4 13.3%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 2 6.7%
    BANK OF THE WEST FHA mortgage Trouble during payment process 1 3.3%
    BANK OF THE WEST Conventional home mortgage Struggling to pay mortgage 2 6.7%
    BANK OF THE WEST Conventional home mortgage Closing on a mortgage 1 3.3%
    BANK OF THE WEST Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 5 16.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bank First, N.A. 601 Fremont Street Kiel, WI 53042 Full Service B&M $79,146
    Bank First, N.A. 110 West Veterans Street Tomah, WI 54660 Full Service B&M $232,733
    Bank First, N.A. 111 Jefferson Street Waupaca, WI 54981 Full Service B&M $142,976
    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 $0
    Bank First, N.A. 104 West Main Street Watertown, WI 53094 Full Service B&M $59,318
    Bank First, N.A. 110 Baugniet Street Mishicot, WI 54228 Full Service B&M $77,459
    Bank First, N.A. 1159 North Keoller Street Oshkosh, WI 54902 Full Service B&M $141,744
    Bank First, N.A. 11740 North Port Washington Road Mequon, WI 53092 Full Service B&M $49,730
    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 $62,775
    Bank First, N.A. 167 Lincoln Street Valders, WI 54245 Full Service B&M $56,987
    Bank First, N.A. 1703 Lake Street Two Rivers, WI 54241 Full Service B&M $86,331
    Bank First, N.A. 2600 Kohler Memorial Drive Sheboygan, WI 53081 Full Service B&M $308,111
    Bank First, N.A. 2700 Eastern Ave. Plymouth, WI 53073 Full Service B&M $245,392
    Bank First, N.A. 2747 Manitowoc Road Bellevue, WI 54311 Full Service B&M $115,946
    Bank First, N.A. 2810 South Ridge Road Green Bay, WI 54304 Full Service B&M $91,430
    Bank First, N.A. 2915 Custer Street Manitowoc, WI 54220 Full Service B&M $116,851
    Bank First, N.A. 295 East State Street Iola, WI 54945 Full Service B&M $50,325
    Bank First, N.A. 402 N 8th St Manitowoc, WI 54220 Full Service B&M $317,440
    Bank First, N.A. 4201 W Wisconsin Ave Appleton, WI 54913 Full Service B&M $51,292
    Bank First, N.A. 689 Woodland Plaza Seymour, WI 54165 Full Service B&M $52,030
    Bank First, N.A. W61 N529 Washington Avenue Cedarburg, WI 53012 Full Service B&M $111,111

    For 2021, Bank First N.a. had 23 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $98,385
    Net interest income $90,811
    Total noninterest income $23,541
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $2,397
    Trading account gains and fees $0
    Additional Noninterest Income $21,144
    Pre-tax net operating income $62,175
    Securities gains (or losses, -) $-3
    Income before extraordinary items $47,048
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $47,048
    Minority interest net income $0
    Net income $47,048
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $47,050

    Bank First N.a.'s gross interest income from loans was $98,385,000.
    Bank First N.a.'s net interest income from loans was $90,811,000.
    Bank First N.a.'s fee based income from loans was $2,397,000.
    Bank First N.a.'s net income from loans was $47,048,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $7,574
    Provision for credit losses $3,100
    Total noninterest expense $49,077
    Salaries and employee benefits $27,123
    Premises and equipment expense $6,515
    Additional noninterest expense $15,439
    Applicable income taxes $15,124
    Net charge-offs $443
    Cash dividends $22,361

    Bank First N.a.'s interest expense for loans was $7,574,000.
    Bank First N.a.'s payroll and benefits expense were $27,123,000.
    Bank First N.a.'s property, plant and equipment expenses $6,515,000.

    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 0.0%
    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 0.4%
    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 $2,534,655
    Deposits held in domestic offices $2,534,655
    Deposits by Individuals, partnerships, and corporations $2,355,875
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $178,771
    Deposits by Commercial banks and other depository institutions in U.S. $9
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,050,236
    Demand deposits $806,247
    Nontransaction accounts $1,484,419
    Money market deposit accounts (MMDAs) $682,423
    Other savings deposits (excluding MMDAs) $545,817
    Total time deposits $256,180
    Total time and savings deposits $1,728,408
    Noninterest-bearing deposits $806,159
    Interest-bearing deposits $1,728,496
    Retail deposits $2,482,551
    IRAs and Keogh plan accounts $57,361
    Brokered deposits $11,711
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,937,545
    Cash & Balances due from depository institutions $297,469
    Interest-bearing balances $269,227
    Total securities $217,118
    Federal funds sold & reverse repurchase $3
    Net loans and leases $2,215,985
    Loan and leases loss allowance $20,315
    Trading account assets $0
    Bank premises and fixed assets $49,462
    Other real estate owned $150
    Goodwill and other intangibles $64,408
    All other assets $92,950

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,937,545
    Total Liabilities $2,602,865
    Total deposits $2,534,655
    Interest-bearing deposits $1,728,496
    Deposits held in domestic offices $2,534,655
    % insured (estimated) $69
    Federal funds purchased and repurchase agreements $41,122
    Trading liabilities $0
    Other borrowed funds $8,011
    Subordinated debt $0
    All other liabilities $19,077

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,215,985
    Loan and leases loss allowance $20,315
    Total loans and leases (domestic) $2,236,300
    All real estate loans $1,816,542
    Real estate loans in domestic offices $1,816,542
    Construction and development loans $132,454
    Residential 1-4 family construction $19,177
    Other construction, all land development and other land $113,277
    Loans secured by nonfarm nonresidential properties $771,011
    Nonfarm nonresidential secured by owner-occupied properties $472,472
    Commercial real estate & other non-farm, non-residential $298,539
    Multifamily residential real estate $238,353
    1-4 family residential loans $572,632
    Farmland loans $102,092
    Loans held in foreign offices $0
    Farm loans $14,042
    Commercial and industrial loans $317,929
    To non-U.S. addressees $0
    Loans to individuals $32,131
    Credit card loans $3,037
    Related Plans $642
    Consumer Auto Loans $14,688
    Other loans to individuals $13,764
    All other loans & leases $55,657
    Loans to foreign governments and official institutions $0
    Other loans $21,462
    Loans to depository institutions and acceptances of other banks $16,247
    Loans not secured by real estate $12,059
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $484
    Non 1-4 family restructured loans & leases $252
    Total loans and leases (foreign) $0

    Bank First N.A. had $2,215,985,000 of loans outstanding in 2021. $1,816,542,000 of loans were in real estate loans. $132,454,000 of loans were in development loans. $238,353,000 of loans were in multifamily mortgage loans. $572,632,000 of loans were in 1-4 family mortgage loans. $14,042,000 of loans were in farm loans. $3,037,000 of loans were in credit card loans. $14,688,000 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 949 $237,800 $250,580
    Nonfarm, nonresidential loans - <$100k 197 $8,022 $40,721
    Nonfarm, nonresidential loans - $100-250k 312 $38,217 $122,490
    Nonfarm, nonresidential loans - $250k-1MM 440 $191,561 $435,366
    Commercial & Industrial, US addressed loans - <$1MM 1,253 $126,475 $100,938
    Commercial & Industrial, US addressed loans - <$100k 805 $22,796 $28,318
    Commercial & Industrial, US addressed loans - $100-250k 222 $27,686 $124,712
    Commercial & Industrial, US addressed loans - $250k-1MM 226 $75,993 $336,252
    Farmland loans - <$1MM 199 $20,179 $101,402
    Farmland loans - <$100k 58 $1,679 $28,948
    Farmland loans - $100-250k 90 $7,573 $84,144
    Farmland loans - $250k-1MM 51 $10,927 $214,255
    Agriculture operations loans - <$1MM 135 $5,975 $44,259
    Agriculture operations loans - <$100k 111 $2,291 $20,640
    Agriculture operations loans - $100-250k 14 $1,421 $101,500
    Agriculture operations loans - $250k-1MM 10 $2,263 $226,300