FDIC Cert #20130 · Norfolk, Nebraska · Est. 1970

BankFirst - FDIC Bank Health Profile

A community-scale look at BankFirst's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.2B
Total assets
A
Health grade · Excellent
2.05%
Return on assets
18.6%
Tier 1 capital

Data updated July 2026

The verdict

BankFirst earns a PlainBankData health grade of A (96/100), with well-capitalized at 18.59% Tier 1, profitable at 2.05% ROA, efficient (36% cost ratio).

#890
largest of 4,313 FDIC banks by assets
79th
percentile by asset size, nationally
18.59%
Tier 1 ratio - above the 10% well-capitalized line
91st
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 20130 · NE A · 96/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (96/100)
  • TOP-DECILE #279/4307
  • PHOTO-FINISH Hodge Bank & Trust C… · LA
  • TIER1-WELL 18.6% Tier 1
  • TEXAS-CLEAN 5.4% Texas
  • ROA-STRONG 2.05% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nebraska: Hodge Bank & Trust Company, LA (±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

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

Morgan Stanley Bank,… · UT ·…100/100BankFirst · NE · this bank96/100First Bank and Trust… · IL ·…96/100Hodge Bank & Trust C… · LA ·…96/100The Dolores State Bank · CO …96/100Western Commerce Bank · NM ·…96/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around BankFirst · July 2026

What BankFirst's Call Report plate shows

BankFirst (FDIC Cert #20130) carries a PlainBankData health grade of A at 96/100, 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 #279 of 4,307. Tier 1 capital prints at 18.59%, clearing the 10% well-capitalized line. The Texas Ratio is 5.38%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.05%. Balance-sheet scale is $1.2B, 890th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Hodge Bank & Trust Company (LA), 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

4 FAILURE resolutions in Nebraska since 2000 (4 since 2008)

BankFirst's home state sits in the middle band of post-2000 FAILURE counts (4; 4 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; BankFirst remains an active FDIC-insured reporter.

  • ERICSON STATE BANK ERICSON, NE 2020 → FARMERS AND MERCHANTS BANK
  • MID CITY BANK, INC. OMAHA, NE 2011 → PURDUM STATE BANK
  • TIERONE BANK LINCOLN, NE 2010 → GREAT WESTERN BANK

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

How BankFirst's 96/100 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 avg77/10096/100
BankFirst's composite health score
Tier 1 Capital Ratio (18.59%) 40/40
Return on Assets (ROA) (2.05%) 25/25
Texas Ratio (5.38%) 16/20
Efficiency Ratio (35.77%) 15/15

96 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.2B

Total balance-sheet footings

Total Deposits

$739M

Customer-funded liabilities

Net Loans

$728M

Outstanding loan book

Net Income

$24M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.19% 18.59% 19.99%
Basel III capital ratios - BankFirst

Where BankFirst ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. BankFirst's score of 96/100 falls in the highlighted band.

BankFirst: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

96 Top 6% higher than 94% 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%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. BankFirst 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'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's $1.2B falls in the highlighted band.

Safety ratios for BankFirst

Tier 1 capital ratio
Well-capitalized 10%

18.59% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.59%
Texas Ratio
5.38%
Equity Capital
$185M

What these ratios mean →

Earnings posture at BankFirst

Return on Assets (ROA)
91st percentile nationally
2.05%
Return on Equity (ROE)
13.30%
Efficiency Ratio
35.77%

What these mean →

Income & expense at BankFirst

$74M
Interest Income
$4M
Non-Interest Income
$18M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. BankFirst reports a Texas Ratio of 5.38% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.38% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View BankFirst on FDIC BankFind →

Top banks in Nebraska by total assets

Largest banks headquartered in Nebraska
  1. 1
    First National Bank of Omaha $34.6B

    Omaha, NE · Grade A

  2. 2
    Union Bank and Trust Company $9.1B

    Lincoln, NE · Grade A

  3. 3
    Pinnacle Bank $8.9B

    Lincoln, NE · Grade A

  4. 4
    American National Bank $5.2B

    Omaha, NE · Grade A

  5. 5
    Cornerstone Bank $2.8B

    York, NE · Grade B

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.2B here), outside Nebraska so the neighborhood is not state containment.

Bank of Central Florida $1.2B · FL First Bank of Alabama $1.2B · AL Northwest Community Bank $1.2B · CT Montgomery Bank $1.2B · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) BankFirst (FDIC Cert #20130) - 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 Call Report profile · FDIC Failed Bank List · Nebraska FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Nebraska

All Nebraska banks →
BankAssetsGradeROA
First National Bank of OmahaOmaha $34.6B A 1.51%
Union Bank and Trust CompanyLincoln $9.1B A 1.60%
Pinnacle BankLincoln $8.9B A 1.26%
American National BankOmaha $5.2B A 1.32%
Cornerstone BankYork $2.8B B 1.11%
Security First BankLincoln $2.2B B 0.90%
Five Points BankGrand Island $2.1B A 1.47%
Security National Bank of OmahaOmaha $1.7B A 1.28%