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Bank First Corporation (BFC) investor relations material
Bank First Corporation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net income for Q3 2025 was $18.0 million ($1.83 per share), up from $16.6 million ($1.65 per share) in Q3 2024; nine-month net income was $53.1 million ($5.36 per share), up from $48.0 million ($4.75 per share) year-over-year.
Adjusted net income for Q3 2025 was $18.8 million ($1.91 per share), up from $16.5 million ($1.65 per share) in Q3 2024, excluding acquisition and one-time items.
Earnings growth was driven by mid-single-digit loan expansion and higher loan yields from repricing.
Financial highlights
Net interest income for Q3 2025 was $38.3 million, up $2.4 million year-over-year and $1.6 million sequentially.
Net interest margin rose to 3.88% in Q3 2025 from 3.76% in Q3 2024 and 3.72% in Q2 2025.
Noninterest income was $6.0 million in Q3 2025, up from $4.9 million in both Q2 2025 and Q3 2024.
Noninterest expense was $21.1 million in Q3 2025, up from $20.1 million in Q3 2024, mainly due to higher outside service fees related to acquisitions.
Total assets at September 30, 2025 were $4.42 billion, up $125.9 million year-over-year.
Outlook and guidance
Loan repricing is expected to continue boosting portfolio yields.
The acquisition of First National Bank & Trust is scheduled to close January 1, 2026.
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