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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, excluding acquisition expenses and certain asset-sale effects.
9M net income reached $68.5M, or $6.14/share, versus $53.1M and $5.36/share; adjusted net income was $78.5M, or $7.04/share.
Financial highlights
Q3 net interest income was $55.2M, up $17.0M YoY; noninterest income was $10.1M versus $6.0M, while noninterest expense was $34.7M versus $21.1M.
Q3 provision for credit losses was $0.8M versus $0.7M YoY; 9M provision was $0.8M, with no provision in Q2.
Total assets were $5.95B at September 30, 2026; loans were $4.60B and deposits $5.00B.
Outlook and guidance
Full realization of Centre operational cost savings began in Q3 and is expected in future quarters.
Peoples acquisition was planned for December 4, 2026; management cited growth opportunities in retail products, trust and wealth management, treasury management and lending capacity.
Leadership hires and growth investments support preparation to exceed $10B in assets.
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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- Board nominee withdrawn; votes for her disregarded, all other proxy matters unchanged.BFCProxy Filing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 202621 Jan, 2027
Bank First
Next Bank First earnings date
Q4 202621 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.