Total Assets
$3.3B
Total balance-sheet footings
FDIC Cert #8870 · Columbus, Mississippi · Est. 1888
BankFirst Financial Services - FDIC Bank Health Profile
A community-scale look at BankFirst Financial Services's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.3B
- Total assets
- B
- Health grade · Good
- 1.04%
- Return on assets
- 10.4%
- Tier 1 capital
Data updated July 2026
The verdict
BankFirst Financial Services earns a PlainBankData health grade of B (76/100), with well-capitalized at 10.35% Tier 1, profitable at 1.04% ROA, 65% efficiency ratio.
- #394
- largest of 4,313 FDIC banks by assets
- 91st
- percentile by asset size, nationally
- 10.35%
- Tier 1 ratio - above the 10% well-capitalized line
- 46th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How BankFirst Financial Services's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
BankFirst Financial Services's composite health score
Tier 1 Capital Ratio (10.35%) 28/40
Return on Assets (ROA) (1.04%) 20/25
Texas Ratio (3.26%) 20/20
Efficiency Ratio (64.82%) 8/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.8B
Customer-funded liabilities
Net Loans
$2.2B
Outstanding loan book
Net Income
$31M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where BankFirst Financial Services ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. BankFirst Financial Services's score of 76/100 falls in the highlighted band.
BankFirst Financial Services's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). BankFirst Financial Services's $3.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.35% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.35%
Texas Ratio
3.26%
Equity Capital
$422M
Profitability metrics
Return on Assets (ROA)
46th percentile nationally
1.04%
Return on Equity (ROE)
8.28%
Efficiency Ratio
64.82%
What the numbers say about BankFirst Financial Services
BankFirst Financial Services is an FDIC-insured institution (Certificate #8870) headquartered in Columbus, Mississippi, established in 1888. It holds $3.3B in total assets - 394th of 4,313 FDIC-insured banks, $2.8B in customer deposits, and $2.2B in net loans. Looking at capital strength, Tier 1 stands at 10.35%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 3.26%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (76/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
BankFirst Financial Services's asset base places it among the largest FDIC-insured institutions in the country, 394th of 4,313 nationally, and 6th of 57 banks headquartered in Mississippi. Only Community Bank of Mississippi ($5.0B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$152M
Interest Income
$28M
Non-Interest Income
$88M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. BankFirst Financial Services reports a Texas Ratio of 3.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Mississippi by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) BankFirst Financial Services (FDIC Cert #8870) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Mississippi
All Mississippi banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Hancock Whitney BankGulfport | $35.5B | A | 1.41% |
| Renasant BankTupelo | $26.7B | B | 0.89% |
| Trustmark BankJackson | $18.9B | B | 1.26% |
| BankPlusBelzoni | $8.1B | B | 1.14% |
| Community Bank of MississippiFlowood | $5.0B | B | 0.89% |
| Guaranty Bank and Trust CompanyBelzoni | $2.9B | B | 1.10% |
| Planters Bank & Trust CompanyIndianola | $2.1B | A | 0.84% |
| The Citizens National Bank of MeridianMeridian | $1.8B | A | 1.60% |
Frequently asked questions
What is BankFirst Financial Services's health grade?▼
BankFirst Financial Services receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is BankFirst Financial Services?▼
BankFirst Financial Services holds $3.3B in total assets and $2.8B in deposits, ranking 394th of 4,313 FDIC-insured banks by asset size. It is headquartered in Columbus, Mississippi.
Is my money safe at BankFirst Financial Services?▼
Yes, deposits at BankFirst Financial Services (Certificate #8870) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is BankFirst Financial Services's Tier 1 Capital Ratio?▼
BankFirst Financial Services has a Tier 1 Capital Ratio of 10.35%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for BankFirst Financial Services?▼
BankFirst Financial Services has a Texas Ratio of 3.26%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is BankFirst Financial Services?▼
BankFirst Financial Services has an Efficiency Ratio of 64.82%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read BankFirst Financial Services's profile as a depositor or analyst.
- BankFirst Financial Services's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare BankFirst Financial Services against other Mississippi banks before moving funds. Mississippi banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.