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Bank First Corporation BFC Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

First Financial Corporation logo
First Financial CorporationTHFF
$59.92M+18.1%
Associated Banc-Corp logo
Associated Banc-CorpASB
$350.65M+24.3%
Wintrust Financial logo
Wintrust FinancialWTFC
$574.23M+9.5%
Business First Bancshares logo
Business First BancsharesBFST
$75.85M+17.0%
First Financial Bankshares logo
First Financial BanksharesFFIN
$132.73M+10.1%
First Financial Bancorp logo
First Financial BancorpFFBC
$182.19M+22.7%

Other financials

Income statement

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Revenue$65.0M+56.2%
Net income$24.7M+46.3%
EPS (diluted)$2.21+29.2%

Balance sheet

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Cash & equivalents$266.5M+121%
Total debt$1.6M
Total equity$819.3M+33.8%
Total assets$5.9B+36.3%

Cash flow

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Operating cash flow$24.4M+106%
CapEx$3.8M+3.9%
Free cash flow$20.7M+151%

Valuation

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Market cap$1.72B+48.3%
P/E21.2×+4.5×
P/S7.9×+0.9×

Profitability

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Net margin37.2%-4.6pp
FCF margin19.5%-14.6pp

Returns & leverage

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Return on equity11.3%0.0pp
Debt / equity

Where this comes from

Reported directly by Bank First Corporation in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: Bank First Corporation’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 12:26 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-092556
Line itemThree months ended June 30, 2026Three months ended June 30, 2025Six months ended June 30, 2026Six months ended June 30, 2025
Total interest expense20,68617,87341,07536,384
Net interest income55,03336,702108,24973,239
Provision for credit losses200600
Net interest income after provision for credit losses55,03336,502108,24972,639
Noninterest income:
Service charges4,1022,0538,7924,064
Income from Ansay8661,1531,8412,334
Loan servicing income9547331,9091,465

Item 1. FINANCIAL STATEMENTS:

FAQ

What is Bank First Corporation's net interest income (after provisions)?
Bank First Corporation (BFC) reported net interest income (after provisions) of $55.03M in Q2 2026.
How has Bank First Corporation's net interest income (after provisions) changed year-over-year?
Bank First Corporation's net interest income (after provisions) increased by 50.8% year-over-year, from $36.5M to $55.03M.
What is the long-term trend for Bank First Corporation's net interest income (after provisions)?
Over 4 years (2021 to 2025), Bank First Corporation's net interest income (after provisions) has grown at a 14.7% compound annual growth rate (CAGR), from $86.98M to $150.41M.
What does net interest income (after provisions) mean?
This metric adjusts net interest income by subtracting the provision for loan and lease losses, which accounts for expected credit defaults. It provides a more accurate view of the bank's net earnings potential after accounting for the inherent risk in its loan portfolio. A stable or growing figure indicates effective credit risk management alongside strong interest revenue generation.

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