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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Bank First
Bank First (BFC) investor relations material
Bank First Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary20 Oct, 2026
Executive summary
Q3 2026 net income was $23.8M, or $2.15/share, versus $18.0M and $1.83/share YoY; adjusted net income was $26.1M, or $2.35/share.
9M net income was $68.5M, or $6.14/share, versus $53.1M and $5.36/share; adjusted net income was $78.5M, or $7.04/share.
Centre acquisition expanded period-end assets to $5.95B, loans to $4.60B and deposits to $5.00B.
Financial highlights
Q3 net interest income was $55.2M versus $38.3M YoY; noninterest income was $10.1M versus $6.0M, and noninterest expense was $34.7M versus $21.1M.
Q3 income before taxes was $29.9M versus $22.5M; net income was $23.8M versus $18.0M.
9M net interest income was $163.5M versus $111.5M; noninterest income was $30.6M versus $17.5M.
9M noninterest expense was $108.1M versus $62.4M, including $12.5M of Centre and Peoples transaction costs.
Q3 provision for credit losses was $0.75M versus $0.65M; 9M provision was $0.75M versus $1.25M, with no provision in Q2.
Outlook and guidance
Peoples acquisition was planned for December 4, 2026; management cited opportunities in retail products, trust and wealth management, treasury management and lending capacity.
At September 30, the proposed combined entity would have approximately $7.5B assets, $5.7B loans and $6.2B deposits; consideration was 100% common stock, estimated at $202.9M subject to share value at close.
Full realization of Centre operational cost savings began in Q3 and was expected in future quarters; leadership hires and growth investments supported preparation to exceed $10B in assets.
Management expected to remain above applicable well-capitalized requirements and the capital conservation buffer during 2026.
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Latest events from Bank First
- Earnings and assets surged on acquisition, with improved margins and a higher dividend.BFC
Q2 2026 - Earnings and margins improved, with transformative growth from the FNBT acquisition.BFCQ4 2025
- Key votes include director elections, auditor ratification, executive pay, and charter amendment.BFCProxy filing
- Proxy covers director elections, auditor ratification, pay, and governance amendment.BFCProxy filing
- Q1 2026 net income rose to $20.0 million, driven by the Centre acquisition and asset growth.BFCQ1 2026
- Board seeks approval for director elections, auditor, executive pay, and governance amendment.BFCProxy filing
- Director elections, auditor ratification, and say-on-pay highlight a focus on governance and ESG.BFCProxy Filing
- Board nominee withdrawn; votes for her disregarded, all other proxy matters unchanged.BFCProxy Filing
- Director elections, auditor ratification, and executive pay approval set for June 16, 2025.BFCProxy Filing
Next Bank First earnings date
Q4 202615 Jan, 2027
Bank First
Next Bank First earnings date
Q4 202615 Jan, 2027
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Frequently asked questions
Bank First Corporation is a bank holding company that operates through its subsidiary, Bank First, N.A. The company provides a range of financial services, primarily focused on community banking. Its offerings include personal and business banking services, such as checking and savings accounts, loans, mortgages, and wealth management services. BFC serves a diverse customer base, including individuals, small to medium-sized businesses, and professionals. The company operates a network of branch locations across Wisconsin, providing localized services tailored to meet the needs of the communities it serves. The company is headquartered in Manitowoc, Wisconsin, and its shares are listed on the NASDAQ.