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Dec 31, 2025
Bank First Q4 2025 Earnings Report
Bank First reported solid Q4 2025 results with increased net income and improved net interest margin.
Key Takeaways
Bank First posted a strong Q4 2025, driven by higher net income and expanding net interest margin, reflecting healthy loan yields and lower liability costs.
Net income for Q4 2025 rose to $18.4 million, up from $17.5 million a year earlier.
Adjusted EPS (non-GAAP) reached $2.00, accounting for acquisition-related adjustments.
Net interest margin improved to 4.01%, driven by stronger loan yields and lower liability costs.
Total assets increased to $4.51 billion, with annualized asset growth of 7.8% for the quarter.
Revenue by Geographic Location
Forward Guidance
Management is optimistic following the transformational FNBT acquisition, expecting enhanced market presence and expanded services.
Positive Outlook
- Completion of FNBT acquisition to enhance geographic and service expansion
- Continued strong asset quality with negligible nonperforming assets
- Loan yields improved, supporting higher net interest margin
- Cost control efforts led to well-contained noninterest expenses
- Positive fair value impact on investment portfolio supported equity growth
Challenges Ahead
- Seasonal decline in noninterest income, especially from Ansay
- Noninterest expenses increased due to acquisition and branch rebuilding
- Minimal gains on mortgage servicing rights valuation
- Loan portfolio contracted by $25 million during the quarter
Historical Earnings Impact
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Avg. Return Before/After Earnings
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