ADDED
As of February 27, 2026, 11,201,677 shares of common stock were outstanding.
financial system and those related to credit card interest rates; legislative, regulatory or supervisory actions related to so-called debanking, including any new prohibitions, requirements, or enforcement priorities that could affect customer relationships, compliance obligations or operational practices; and other factors and risks described under the Risk Factors and Management s Discussion and Analysis of Financial Condition and Results of Operations sections herein.
The foregoing factors should not be construed as exhaustive and should be read in conjunction with the sections entitled Risk Factors and Management s Discussion and Analysis of Financial Condition and Results of Operations included in this Annual Report.
The Bank has thirty-eight (38) offices, including its headquarters, in Brown, Columbia, Dane, Door, Fond du Lac, Green, Jefferson, Manitowoc, Monroe, Outagamie, Ozaukee, Rock, Shawano, Sheboygan, Walworth, Waupaca, Waushara, and Winnebago counties in the State of Wisconsin and Winnebago county in the State of Illinois.
As of December 31, 2025, we had total consolidated assets of $4.51 billion, total loans of $3.60 billion, total deposits of $3.70 billion and total stockholders equity of $643.8 million.
The Bank employed approximately 380 full-time equivalent employees ( FTE ), and had an average assets-to-FTE ratio of approximately $11.9 million for the year ended December 31, 2025.
The Bank s culture celebrates curiosity, creativity, and responsiveness, while embracing individual differences and upholding the highest ethical standards.
The Bank s vision is to sustain its independence by remaining a top-performing provider of financial services.
Our strategic priorities related to Capital focus on deploying capital in the best interest of our shareholders.
Our Asset Quality priorities include maintaining strong credit administration, managing concentration exposure in our loan portfolio, and continuing to automate manual processes across the Bank.
REMOVED
As of February 28, 2025, 9,994,639 shares of common stock were outstanding.
The Bank has twenty-six (26) offices, including its headquarters, in Brown, Columbia, Dane, Fond du Lac, Jefferson, Manitowoc, Monroe, Outagamie, Ozaukee, Shawano, Sheboygan, Waupaca, Waushara, and Winnebago counties in the State of Wisconsin.
As of December 31, 2024, we had total consolidated assets of $4.50 billion, total loans of $3.52 billion, total deposits of $3.66 billion and total stockholders equity of $639.7 million.
The Bank employed approximately 366 full-time equivalent employees ( FTE ), and had an average assets-to-FTE ratio of approximately $11.5 million for the year ended December 31, 2024.
The Bank s culture celebrates diversity, creativity, and responsiveness, with the highest ethical standards.
The Bank s vision is to sustain its independence by remaining a top-performing provider of financial services in Wisconsin.
Bank First is focused on building a culture which encourages, supports and celebrates diversity and inclusion for our employees, customers and communities.
This collaboration fuels a stronger foundation for innovation and connects us to our communities.
Under the heading of Capital, our priorities include (i) growing capital through strong earnings, (ii) assessing and monitoring short and long term capital goals, and (iii) deploying capital in the best interest of our shareholders.
Under the heading of Asset Quality, our top priority is maintaining a strong credit culture.