BankFirst Capital Corporation (BFCC)

BankFirst Capital Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	123.64	112.8	97.75	61.97	55.82	53.23
Interest Income on Investments	21.24	18.69	19.31	13.09	7.02	6.36
Total Interest Income	144.88	131.49	117.07	75.06	62.84	59.59
Interest Paid on Deposits	46.92	45.14	24.84	4.01	4.06	7.26
Interest Paid on Borrowings	1.93	2	2.76	2.13	2.4	2.19
Total Interest Expense	48.84	47.14	27.6	6.13	6.46	9.44
Net Interest Income	96.04	84.35	89.47	68.93	56.38	50.15
Net Interest Income Growth (YoY)	14.63%	-5.72%	29.80%	22.25%	12.43%	23.65%
Mortgage Banking Activities	3.14	3.14	2.52	2.42	5.66	6.36
Gain (Loss) on Sale of Investments	0	-0.19	-1.29	-0.25	0.01	3.62
Other Non-Interest Income	15.62	16.82	16.86	9.12	9.33	6.18
Total Non-Interest Income	28.59	29.75	27.64	19.89	21.52	21.98
Non-Interest Income Growth (YoY)	2.58%	7.65%	38.93%	-7.58%	-2.09%	55.18%
Revenues Before Loan Losses	124.63	114.1	117.1	88.82	77.9	72.13
Provision for Loan Losses	8.38	2.8	1.99	1.05	1.11	8.12
Revenue	116.25	111.3	115.12	87.77	76.79	64.01
Revenue Growth (YoY)	5.99%	-3.32%	31.16%	14.30%	19.96%	20.45%
Salaries and Employee Benefits	47.08	44.18	40.83	30.94	29.57	26.88
Occupancy Expenses	5.59	5.15	5.2	3.56	3.1	2.73
Selling, General & Administrative	7.35	7.23	12.69	9.03	6.98	6.15
Other Non-Interest Expense	23.2	22.41	20.34	15.49	14	10.75
Total Non-Interest Expense	83.22	78.97	79.06	59.03	53.65	46.5
EBT Excluding Unusual Items	33.04	32.33	36.06	28.74	23.14	17.51
Pretax Income	33.04	32.33	36.06	28.74	23.14	16.16
Income Tax Expense	6.86	6.78	7.86	5.79	4.84	2.67
Net Income	26.18	25.55	28.2	22.96	18.3	13.48
Net Income to Common	26.18	25.55	28.2	22.96	18.3	13.48
Net Income Growth	7.37%	-9.39%	22.85%	25.44%	35.74%	14.11%
Basic Shares Outstanding	6	6	5	5	5	5
Diluted Shares Outstanding	6	6	5	5	5	5
Shares Change (YoY)	9.91%	12.90%	1.14%	0.93%	8.16%	12.21%
EPS (Basic)	4.08	4.20	5.23	4.31	3.47	2.76
EPS (Diluted)	4.08	4.20	5.23	4.31	3.47	2.76
EPS Growth	-2.31%	-19.74%	21.47%	24.28%	25.50%	1.69%
Dividend Per Share	-	1.000	0.900	0.850	0.680	0.500
Dividend Growth	-	11.11%	5.88%	25.00%	36.00%	-
Effective Tax Rate	20.76%	20.96%	21.79%	20.13%	20.93%	16.55%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.