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Sep 30, 2025
Bank First Q3 2025 Earnings Report
Bank First reported higher net income and EPS in Q3 2025, driven by loan growth, higher net interest margin, and stable asset quality.
Key Takeaways
Bank First delivered solid third-quarter results with $18.0 million in net income and an EPS of $1.83. Growth was supported by higher loan yields, favorable net interest margin expansion, and strong performance from noninterest income sources. Asset quality remained robust, despite modest increases in nonperforming assets.
Net income reached $18.0 million, up from $16.6 million YoY
EPS increased to $1.83; adjusted EPS at $1.91 excluding one-time items
Net interest margin improved to 3.88% from 3.76% a year ago
Nonperforming assets remained low at 0.31% of total assets
Revenue by Geographic Location
Forward Guidance
Bank First is optimistic about sustained loan yield improvements and continued credit quality strength heading into 2026.
Positive Outlook
- Loan repricing expected to continue supporting margin expansion
- Earnings growth sustained despite one-time merger expenses
- Solid asset quality with negligible net charge-offs
- Noninterest income boosted by strong mortgage and investment gains
- Efficient cost control despite strategic M&A activity
Challenges Ahead
- Slight uptick in nonperforming assets to 0.31%
- Provision for credit losses increased to $0.7M
- Seasonal decline in total deposits
- Outside service fees rose due to acquisition planning
- Book value declined slightly due to special dividend and stock buybacks
Historical Earnings Impact
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Avg. Return Before/After Earnings
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