Bank First, N.A. (FDIC certificate #5304) is based in Manitowoc, Wisconsin. Its Q2 2026 call report shows $5.9B in total assets and $5.0B in deposits and 38 offices across 2 states.
Based on its Q2 2026 filing, Bank First, N.A. scores 68/100, which we describe as moderate. That is higher than only 49% of 897 banks with $1 billion – $10 billion. Among 154 banks headquartered in Wisconsin, it ranks 98th. Its strongest component is problem-loan coverage (94/100; 3.2%), and its lowest is capital cushion (43/100; 9.27%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 68).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 69 |
| Q4 2024 | 70 |
| Q1 2025 | 70 |
| Q2 2025 | 69 |
| Q3 2025 | 69 |
| Q4 2025 | 71 |
| Q1 2026 | 67 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.07% |
| Q3 2024 | 9.74% |
| Q4 2024 | 9.54% |
| Q1 2025 | 9.34% |
| Q2 2025 | 9.66% |
| Q3 2025 | 9.91% |
| Q4 2025 | 9.85% |
| Q1 2026 | 9.00% |
| Q2 2026 | 9.27% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.31% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.24% |
| Q1 2025 | 0.19% |
| Q2 2025 | 0.38% |
| Q3 2025 | 0.38% |
| Q4 2025 | 0.25% |
| Q1 2026 | 0.59% |
| Q2 2026 | 0.56% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.57% |
| Q3 2024 | 1.58% |
| Q4 2024 | 1.59% |
| Q1 2025 | 1.64% |
| Q2 2025 | 1.61% |
| Q3 2025 | 1.63% |
| Q4 2025 | 1.64% |
| Q1 2026 | 1.56% |
| Q2 2026 | 1.67% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $5.9B | 9.27% | 0.56% | 1.67% | 88.9% |
| Q1 2026 | 67 | $6.1B | 9.00% | 0.59% | 1.56% | 87.0% |
| Q4 2025 | 71 | $4.5B | 9.85% | 0.25% | 1.64% | 95.1% |
| Q3 2025 | 69 | $4.4B | 9.91% | 0.38% | 1.63% | 100.2% |
| Q2 2025 | 69 | $4.4B | 9.66% | 0.38% | 1.61% | 97.6% |
| Q1 2025 | 70 | $4.5B | 9.34% | 0.19% | 1.64% | 93.6% |
| Q4 2024 | 70 | $4.5B | 9.54% | 0.24% | 1.59% | 93.1% |
| Q3 2024 | 69 | $4.3B | 9.74% | 0.32% | 1.58% | 96.7% |
| Q2 2024 | 71 | $4.1B | 10.07% | 0.31% | 1.57% | 98.2% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| John Deere Financial, f.s.b.Bank Middleton, WI | 82 out of 100, Strong | $4.9B | 19.4% | 0.27% | vs |
| Johnson BankBank Racine, WI | 73 out of 100, Strong | $7.1B | 12.3% | 0.23% | vs |
| Town Bank, National AssociationBank Hartland, WI | 70 out of 100, Strong | $4.7B | 9.7% | 0.22% | vs |
| First Business BankBank Madison, WI | 63 out of 100, Moderate | $4.4B | 10.4% | 1.06% | vs |
| Lake Ridge BankBank Middleton, WI | 68 out of 100, Moderate | $3.4B | 10.0% | 0.34% | vs |
| National Exchange Bank and TrustBank Fond Du Lac, WI | 88 out of 100, Very strong | $2.9B | 20.1% | 0.37% | vs |
Deposit insurance
Is my money safe at Bank First, N.A.?
Yes. Bank First, N.A. is an FDIC-insured institution (FDIC certificate #5304). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 32.7% of deposits ($1.6B) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.27%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.08% (benchmark: 10%).
38 locations
Branches
Bank First, N.A. lists 38 offices in 36 cities across 2 states. Most locations:
- Beloit, WI (2)
- Manitowoc, WI (2)
- Appleton, WI (1)
- Bellevue, WI (1)
- Cambridge, WI (1)
- Cedarburg, WI (1)
- Clinton, WI (1)
- Clintonville, WI (1)
- Darien, WI (1)
- Delavan Township, WI (1)
- Denmark, WI (1)
- Fond Du Lac, WI (1)
HMDA 2025
Mortgage lending
In 2025, Bank First, N.A. reported 2,222 home-loan applications under HMDA (LEI 549300BRLQAIJ1LJA253): 1,843 originated ($415,955,000 total), 193 denied, and 119 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Bank First, N.A.
- Former names
- First National Bank in Manitowoc; Bank First National
- Type
- National bank
- FDIC certificate #
- 5304
- RSSD ID
- 594947
- Primary regulator
- OCC
- Holding company
- Bank First Corp
- Established
- January 1, 1894
- Headquarters
- 402 N 8th St, Manitowoc, WI 54220
- Website
- www.bankfirst.com
- Employees
- 554
Quick answers
Bank First, N.A.: common questions
Is Bank First, N.A. FDIC insured?
Yes. Bank First, N.A. is an FDIC-insured institution (FDIC certificate #5304). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank First, N.A.'s TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank First, N.A. ever failed?
There is no failure record for FDIC certificate #5304 in the FDIC failed bank list.
How many branches does Bank First, N.A. have?
38 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Manitowoc
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sheboygan Area Credit UnionCredit union Sheboygan, WI | 97 out of 100, Very strong | $93.4M | 15.3% | 0.13% | vs |
| National Exchange Bank and TrustBank Fond Du Lac, WI | 88 out of 100, Very strong | $2.9B | 20.1% | 0.37% | vs |
| Community First Credit UnionCredit union Appleton, WI | 84 out of 100, Strong | $6.8B | 12.8% | 0.14% | vs |
| Premier Financial Credit UnionCredit union New Holstein, WI | 78 out of 100, Strong | $132.4M | 13.6% | 0.95% | vs |
| Holy Family Memorial Credit UnionCredit union Manitowoc, WI | 75 out of 100, Strong | $19.7M | 11.1% | 0.09% | vs |
| Unitedone Credit UnionCredit union Manitowoc, WI | 73 out of 100, Strong | $348.3M | 11.8% | 0.24% | vs |