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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 8870 · MS B · 76/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (76/100)
  • MID-PACK #2406/4307
  • PHOTO-FINISH Holcomb Bank · IL
  • TIER1-WELL 10.4% Tier 1
  • TEXAS-CLEAN 3.3% Texas
  • ROA-PAR 1.04% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Mississippi: Holcomb Bank, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around BankFirst Financial Services

Lowest and highest poles plus nearest scored peers outside Mississippi, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100BankFirst Financial… · MS · …76/100Choice Financial Group · ND …76/100Holcomb Bank · IL · near76/100Sloan State Bank · IA · near76/100State Bank of Bottin… · ND ·…76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around BankFirst Financial Services · July 2026

What BankFirst Financial Services's Call Report plate shows

BankFirst Financial Services (FDIC Cert #8870) carries a PlainBankData health grade of B at 76/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,406 of 4,307. Tier 1 capital prints at 10.35%, clearing the 10% well-capitalized line. The Texas Ratio is 3.26%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.04%. Balance-sheet scale is $3.3B, 394th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Holcomb Bank (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around BankFirst Financial Services

3 FAILURE resolutions in Mississippi since 2000 (2 since 2008)

BankFirst Financial Services's home state sits in the middle band of post-2000 FAILURE counts (3; 2 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; BankFirst Financial Services remains an active FDIC-insured reporter.

  • HERITAGE BANKING GROUP CARTHAGE, MS 2011 → TRUSTMARK NATIONAL BANK
  • FIRST NATIONAL BANK ROSEDALE, MS 2010 → THE JEFFERSON BANK
  • BANK OF FALKNER FALKNER, MS 2000 → CITIZENS BANK & SAVINGS COM

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Mississippi banks.

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.

0/100100/100National avg77/10076/100
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 Assets

$3.3B

Total balance-sheet footings

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

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.95% 10.35% 11.75%
Basel III capital ratios - BankFirst Financial Services

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

76 44th percentile higher than 44% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. BankFirst Financial Services 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for BankFirst Financial Services

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

What these ratios mean →

Earnings posture at BankFirst Financial Services

Return on Assets (ROA)
46th percentile nationally
1.04%
Return on Equity (ROE)
8.28%
Efficiency Ratio
64.82%

What these mean →

Income & expense at BankFirst Financial Services

$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.

FDIC Failed Bank List → View BankFirst Financial Services on FDIC BankFind →

Top banks in Mississippi by total assets

Largest banks headquartered in Mississippi
  1. 1
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  2. 2
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

  3. 3
    Trustmark Bank $18.9B

    Jackson, MS · Grade B

  4. 4
    BankPlus $8.1B

    Belzoni, MS · Grade B

  5. 5
    Community Bank of Mississippi $5.0B

    Flowood, MS · Grade B

Top 5 banks in Mississippi ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($3.3B here), outside Mississippi so the neighborhood is not state containment.

First Community Bank $3.2B · VA MVB Bank, Inc $3.3B · WV First Dakota National Bank $3.2B · SD Northrim Bank $3.3B · AK

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.

BankFirst Financial Services Call Report profile · FDIC Failed Bank List · Mississippi FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Mississippi

All Mississippi banks →
BankAssetsGradeROA
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%