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The Lender Report built this page from public records. Bank First, N.A. has not reviewed it. Every lender's page starts this way, and it says nothing about Bank First, N.A. itself. Each figure shows its source and date. Work at Bank First, N.A.? You can claim this page for free.
Bank, Manitowoc, WI
Bank First, N.A.
A bank based in Manitowoc, WI. Its commercial book is led by owner-occupied CRE and C&I. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $3.23B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 18
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 117
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $5.94B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 920-652-3100 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.bankfirst.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- bankfirst.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- BANK FIRST N.A.FDIC institution record,
- Address
- 402 N 8th St, Manitowoc, WI 54220FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Bank First, N.A. originated 18 multifamily loans in 2025, versus 10 in 2024. HMDA,
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 1 opened, 7 closed, 1 relocated.FDIC structure history. | FDIC history |
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 52 under Preferred Lender authority, 40 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 29.5% to $828.2M in the year to June 30, 2026. Includes loans from acquiring The First National Bank and Trust Company in the window, so growth reflects the acquisition as well as new lending.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 32.9% to $732.4M in the year to June 30, 2026. Includes loans from acquiring The First National Bank and Trust Company in the window, so growth reflects the acquisition as well as new lending.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 36.0% to $705.4M in the year to June 30, 2026. Includes loans from acquiring The First National Bank and Trust Company in the window, so growth reflects the acquisition as well as new lending.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 29.9% to $175.5M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
| January 1, 2026 | Acquired The First National Bank and Trust Company on January 1, 2026.FDIC structure history. | FDIC history, |
| 2024 | Reported making 865 small business loans totaling $214.7M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Wisconsin | SBA 7(a), Manufacturing | $950K | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Wisconsin | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $350K | 6.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Wisconsin | SBA 7(a), Landscaping Services | $270K | 7% | 10 yr | SBA FOIA | |
| Sep 2026 | Wisconsin | SBA 7(a), Poured Concrete Foundation and Structure Contractors | $180K | 7.25% | 7 yr | SBA FOIA | |
| Sep 2026 | Wisconsin | SBA 7(a), Manufacturing | $120K | 6.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Wisconsin | SBA 7(a), Poured Concrete Foundation and Structure Contractors | $100K | 7.25% | 10 yr | SBA FOIA | |
| Sep 2026 | Wisconsin | SBA 7(a), Landscaping Services | $60K | 7% | 10 yr | SBA FOIA | |
| Aug 2026 | Wisconsin | SBA 7(a), Manufacturing | $1M | 6.75% | 20 yr | SBA FOIA | |
| Jun 2026 | Wisconsin | SBA 7(a), Supermarkets and Other Grocery Retailers (except Convenience Retailers) | $1.8M | 6.25% | 10 yr | SBA FOIA | |
| Jun 2026 | Wisconsin | SBA 7(a), Limited-Service Restaurants | $530K | 6.5% | 10 yr | SBA FOIA | |
| Jun 2026 | Wisconsin | SBA 504, Health Care and Social Assistance | $400K | 25 yr | SBA FOIA | ||
| Jun 2026 | Wisconsin | SBA 7(a), All Other Miscellaneous Fabricated Metal Product Manufacturing | $60K | 8.25% | 10 yr | SBA FOIA | |
| Jun 2026 | Wisconsin | SBA 7(a), All Other Miscellaneous Fabricated Metal Product Manufacturing | $50K | 8.5% | 10 yr | SBA FOIA | |
| May 2026 | Wisconsin | SBA 7(a), Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance | $300K | 7% | 10 yr | SBA FOIA | |
| Apr 2026 | Wisconsin | SBA 7(a), All Other Home Furnishings Retailers | $540K | 6.75% | 10 yr | SBA FOIA | |
| Apr 2026 | Wisconsin | SBA 7(a), Agriculture, Forestry, Fishing and Hunting | $260K | 7% | 6 yr | SBA FOIA | |
| Apr 2026 | Wisconsin | SBA 7(a), Child Care Services | $50K | 7.25% | 10 yr | SBA FOIA | |
| 2025 | Sheboygan County, WI | Refinance, 5 to 24 units | $340K | 7.5% | 5 yr | 27% | HMDA 2025 |
| 2025 | Waupaca County, WI | Improvement, 5 to 24 units | $600K | 7.5% | 1 yr | 31% | HMDA 2025 |
| 2025 | Sheboygan County, WI | Purchase, 5 to 24 units | $280K | 7.15% | 5 yr | 75% | HMDA 2025 |
| 2025 | Michigan | Refinance, 5 to 24 units | $500K | 7.5% | 6 yr | 58% | HMDA 2025 |
| 2025 | Outagamie County, WI | Refinance, 5 to 24 units | $1.1M | 7.25% | 5 yr | 67% | HMDA 2025 |
| 2025 | Manitowoc County, WI | Improvement, 50 to 99 units | $75K | 7.38% | 5 yr | 56% | HMDA 2025 |
| 2025 | Wisconsin | Purchase, 25 to 49 units | $500K | 6.75% | 5 yr | 26% | HMDA 2025 |
| 2025 | Door County, WI | Refinance, 50 to 99 units | $4.7M | 6.9% | 5 yr | 66% | HMDA 2025 |
| 99 SBA 7(a) loans since October 2023, net of cancelled | $39.6M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $452M | 10.0% | +19.8% |
| Construction and land development | $242M | 5.3% | -3.2% |
| Owner-occupied CRE | $828M | 18.3% | +29.5% |
| Non-owner-occupied CRE | $705M | 15.6% | +36.0% |
| Farmland | $266M | 5.9% | +31.6% |
| Commercial and industrial | $732M | 16.2% | +32.9% |
| Commercial total | $3.23B |
Includes loans from acquiring The First National Bank and Trust Company in the window, so growth reflects the acquisition as well as new lending.
Reference only: $1.10B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $2.33B |
| Q4 2023 | $2.31B |
| Q1 2024 | $2.35B |
| Q2 2024 | $2.38B |
| Q3 2024 | $2.42B |
| Q4 2024 | $2.45B |
| Q1 2025 | $2.50B |
| Q2 2025 | $2.54B |
| Q3 2025 | $2.59B |
| Q4 2025 | $2.55B |
| Q1 2026 | $3.22B |
| Q2 2026 | $3.23B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 18 | $41.3M | $760K | $20M | HMDA, |
| Multifamily, 5 or more units | 2024 | 10 | $19.4M | $530K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 114 | $26.6M | $165K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 99 | $39.6M | $250K | $3.8M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 30 | $15.1M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 18 | $22.7M | $861K | $5.5M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: name and lender office city.
| Industry | Loans | Dollars |
|---|---|---|
| Landscaping Services | 8 | $673K |
| Plumbing, Heating, and Air-Conditioning Contractors | 6 | $1.56M |
Other lenders in these fields: SBA lenders for landscaping companies, SBA lenders for construction trades.
Programs on record: Federal Home Loan Bank member, Chicago district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- Bank First, N.A. reported making 865 small business loans totaling $214,679,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 383 of $100,000 or less, 196 over $100,000 up to $250,000, 286 over $250,000 up to $1 million.
- 256 of them, totaling $36,276,000, went to businesses with revenue of $1 million or less.
- Bank First, N.A. reported making 190 small farm loans totaling $26,728,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 102 of $100,000 or less, 57 over $100,000 up to $250,000, 31 over $250,000 up to $500,000.
- 97 of them, totaling $11,979,000, went to farms with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| Brown County, WI | 163 | $41.1M |
| Manitowoc County, WI | 134 | $21.9M |
| Sheboygan County, WI | 99 | $24.5M |
| Winnebago County, WI | 53 | $15.4M |
| Outagamie County, WI | 49 | $14.8M |
| Fond du Lac County, WI | 41 | $11.3M |
| Waupaca County, WI | 34 | $8.10M |
| Ozaukee County, WI | 30 | $8.88M |
| Monroe County, WI | 29 | $4.90M |
| Kewaunee County, WI | 26 | $5.04M |
| County | Loans | Total |
|---|---|---|
| Manitowoc County, WI | 30 | $3.74M |
| Brown County, WI | 25 | $2.96M |
| Kewaunee County, WI | 21 | $1.91M |
| Monroe County, WI | 19 | $2.65M |
| Waupaca County, WI | 19 | $3.12M |
| Jackson County, WI | 9 | $1.76M |
| Columbia County, WI | 7 | $1.13M |
| Shawano County, WI | 6 | $784K |
| Waushara County, WI | 6 | $279K |
| Chippewa County, WI | 5 | $825K |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: OCC charter via FFIEC POR + transmittal RSSD.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Bank First, N.A. reported commitments to fund construction loans that had not been drawn at June 30, 2026: $22,694,000 for 1-4 family residential construction and $152,609,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $461,535,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 755 | $29.0M |
| Over $100,000 up to $250,000 | 257 | $38.8M |
| Over $250,000 up to $1 million | 364 | $151M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 248 | $10.1M |
| Over $100,000 up to $250,000 | 531 | $64.6M |
| Over $250,000 up to $1 million | 872 | $328M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 106 | $3.90M |
| Over $100,000 up to $250,000 | 190 | $15.0M |
| Over $250,000 up to $500,000 | 266 | $79.8M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 227 | $8.26M |
| Over $100,000 up to $250,000 | 89 | $14.2M |
| Over $250,000 up to $500,000 | 78 | $27.1M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Wisconsin HQ | 35 | 16 | 108 | 98 | 18 |
| Illinois | 3 | 0 | 0 | 1 | 0 |
| Florida | 0 | 0 | 4 | 0 | 0 |
| Colorado | 0 | 0 | 1 | 0 | 0 |
| Michigan | 0 | 1 | 0 | 0 | 0 |
| Wyoming | 0 | 0 | 1 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Manitowoc County, WI | 5 | $6.96M |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Bank First, N.A. has 38 offices in 19 counties and 2 states (FDIC Summary of Deposits, June 30, 2026): 38 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Manitowoc County, WI | 7 | 0 |
| Rock County, WI | 4 | 0 |
| Winnebago County, IL | 3 | 0 |
| Brown County, WI | 3 | 0 |
| Walworth County, WI | 3 | 0 |
| Waupaca County, WI | 3 | 0 |
| Columbia County, WI | 2 | 0 |
| Sheboygan County, WI | 2 | 0 |
| Dane County, WI | 1 | 0 |
| Door County, WI | 1 | 0 |
| Fond du Lac County, WI | 1 | 0 |
| Green County, WI | 1 | 0 |
| Jefferson County, WI | 1 | 0 |
| Monroe County, WI | 1 | 0 |
| Outagamie County, WI | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $87.4M | $33.2M to $231M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 240.2% | 122.9% to 369.9% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 41.5% | 23.0% to 83.8% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 90.0% | 75.3% to 107.8% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $175M | $53.1M to $454M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 29.9% from a year earlier. | FDIC call report, |
| Loans to assets | 76.2% | 58.8% to 84.8% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 52 loans (52.5%)
- SBA Express
- 40 loans
- Approval to first disbursement
- 13 days, median of 87
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Johnson Bank | WI | $7.07B | $3.40B |
| First Business Bank | WI | $4.41B | $3.34B |
| Lake Ridge Bank | WI | $3.35B | $1.83B |
| Town Bank, National Association | WI | $4.71B | $2.18B |
| Nicolet National Bank | WI | $15.4B | $8.17B |
| National Bank of Commerce | WI | $2.23B | $1.22B |
| National Exchange Bank and Trust | WI | $2.89B | $1.20B |
| One Community Bank | WI | $2.63B | $1.82B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Bank First, N.A., FDIC certificate 5304. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $5.94B in total assets and $3.23B in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 259 recorded loans from HMDA and SBA files, through September 30, 2026: 18 HMDA multifamily 2025, 10 HMDA multifamily 2024, 114 HMDA 1-4 unit investor 2025, 99 SBA 7(a) in 36 months, 18 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Bank First, N.A.]
- Phone and website. Phone 920-652-3100, from the lender's website on November 9, 2026. Website bankfirst.com, from the FDIC record. [How to reach them]
- Small business loans reported under CRA. 865 small business loans reported in its CRA filing for 2024. [Source]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- Office of the Comptroller of the Currency
- FDIC certificate
- 5304
- RSSD
- 594947
- LEI
- 549300BRLQAIJ1LJA253
- The Lender Report ID
- lr_000327
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $5.9B in total assets as of June 30, 2026 (FDIC call report).
- Held $3.2B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $828.2M of owner-occupied commercial real estate loans as of June 30, 2026, up 29.5% from a year earlier, including loans acquired in a merger (FDIC call report).
- Held $732.4M of commercial and industrial loans as of June 30, 2026, up 32.9% from a year earlier, including loans acquired in a merger (FDIC call report).
- Held $705.4M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 36.0% from a year earlier, including loans acquired in a merger (FDIC call report).
- Originated 18 multifamily loans totaling $41.2M in 2025 (HMDA).
10 more sentences
- Originated 10 multifamily loans totaling $19.4M in 2024 (HMDA).
- Originated 114 1-4 unit investor or business-purpose loans totaling $26.6M in 2025 (HMDA).
- Recorded 103 SBA 7(a) approvals totaling $40.5M from October 1, 2023 to September 30, 2026, of which 4 were later cancelled (SBA).
- Provided the first lien on 18 SBA 504 projects with $22.7M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Listed 38 offices in 2 states (FDIC).
- Reported making 865 small business loans totaling $214.7M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Reported making 190 small farm loans totaling $26.7M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Held 1,376 commercial and industrial loans that were $1 million or less when made, with a balance of $218.8M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 1,651 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $402.7M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $22.7M for 1-4 family and $152.6M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Bank First, N.A., https://lender.report/lender/bank-first-wi/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem