BANK FIRST, N.A.

MANITOWOC, WI · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1894FDIC #5,304

Satisfactory

Current rating · Exam: December 1993

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.56%

Institution Profile

FDIC BankFind

Website

www.bankfirst.com

Address

402 N 8th St, MANITOWOC, WI

County

Manitowoc County

Established

January 1, 1894

Total Assets

$6.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 9, 1993

Exam Type

Not Reported

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 32 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$6.1B

Total Deposits

$5.1B

Net Loans

$4.5B

Net Income

$21M

ROA

1.56%

ROE

11.78%

Risk-Based Capital

11.96%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate6.76%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$3.6B

1-Year Change

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	1,996	83.92%	6.76%
2023	1,938	84.42%	6.91%
2022	2,008	81.57%	7.17%
2021	3,467	86.41%	4.70%
2020	3,164	85.75%	4.14%
2019	1,207	88.24%	3.48%
2018	919	88.14%	3.26%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

This is the only examination on record for this bank.

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/4bf47703-b2b2-4749-b2e1-07db1854e5dc"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: