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Jun 30, 2025
Bank First Q2 2025 Earnings Report
Bank First reported solid growth in net income and improved net interest margin in Q2 2025.
Key Takeaways
Bank First delivered higher net income and EPS in Q2 2025, supported by improved net interest margin and loan growth, despite elevated noninterest expenses and slightly higher nonperforming assets.
Net income reached $16.9 million, up from $16.1 million in Q2 2024.
EPS increased to $1.71 from $1.59 in the prior-year quarter.
Net interest margin improved to 3.72% due to better loan pricing and lower deposit costs.
Total assets stood at $4.37 billion with $3.58 billion in loans and $3.60 billion in deposits.
Forward Guidance
Management expects continued benefit from a normalized yield curve, supporting further improvements in net interest margin, while maintaining cost control efforts.
Positive Outlook
- Yield curve normalization expected to benefit earnings
- Loan portfolio growth continuing at healthy pace
- Stable core deposit base supporting funding costs
- Digital banking platform upgrade to improve efficiency
- Branch expansions supporting long-term growth
Challenges Ahead
- Elevated noninterest expenses due to branch remodels
- Higher data processing costs from digital platform upgrades
- Slightly increasing nonperforming assets
- Provision for credit losses remains above 2024 levels
Historical Earnings Impact
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Avg. Return Before/After Earnings
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