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Bank First
Bank First (BFC) investor relations material
Bank First Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Net income reached $18.4 million for Q4 2025 and $71.5 million for the year, with EPS of $1.87 and $7.23, respectively, both up year-over-year.
Adjusted net income (non-GAAP) for Q4 2025 was $19.6 million ($2.00 per share), and $73.4 million ($7.42 per share) for the year, reflecting strong core performance excluding one-time items.
The acquisition of Centre 1 Bancorp, parent of FNBT, was completed, marking the largest merger in company history and expanding into new markets.
Financial highlights
Net interest income for Q4 2025 was $40.2 million, up $1.9 million sequentially and $4.6 million year-over-year.
Net interest margin improved to 4.01% in Q4 2025 from 3.88% in Q3 and 3.61% in Q4 2024.
Noninterest income was $4.8 million in Q4 2025, down from $6.0 million in Q3 but up from $4.5 million in Q4 2024.
Noninterest expense rose to $22.0 million in Q4 2025, reflecting acquisition and branch-related costs.
Total assets at year-end were $4.51 billion, up $85.7 million in Q4, with total loans at $3.60 billion and deposits at $3.70 billion.
Outlook and guidance
Management anticipates benefits and synergies from the FNBT acquisition, with expanded service offerings and geographic reach.
Forward-looking statements caution about economic, interest rate, and integration risks.
What are the key strategic benefits of Centre merger?
What drove the Q4 2025 NIM expansion?
Impact of 2025 dividends and share repurchases?
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Next Bank First earnings date
Q1 202614 Apr, 2026
Bank First
Next Bank First earnings date
Q1 202614 Apr, 2026
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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.
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