BankFirst Capital Corporation (BFCC)

BankFirst Capital Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	136.38	129.54	112.8	97.75	61.97	55.82
Interest Income on Investments	23.95	22.86	18.69	19.31	13.09	7.02
Total Interest Income	160.33	152.4	131.49	117.07	75.06	62.84
Interest Paid on Deposits	49.41	48.33	45.14	24.84	4.01	4.06
Interest Paid on Borrowings	2.46	2.18	2	2.76	2.13	2.4
Total Interest Expense	51.86	50.51	47.14	27.6	6.13	6.46
Net Interest Income	108.47	101.89	84.35	89.47	68.93	56.38
Net Interest Income Growth (YoY)	25.92%	20.80%	-5.72%	29.80%	22.25%	12.43%
Mortgage Banking Activities	2.96	3.07	3.14	2.52	2.42	5.66
Gain (Loss) on Sale of Investments	0.02	0.02	-0.19	-1.29	-0.25	0.01
Other Non-Interest Income	14.8	14.65	16.82	16.86	9.12	9.33
Total Non-Interest Income	28.27	27.82	29.75	27.64	19.89	21.52
Non-Interest Income Growth (YoY)	-5.36%	-6.51%	7.65%	38.93%	-7.58%	-2.09%
Revenues Before Loan Losses	136.73	129.71	114.1	117.1	88.82	77.9
Provision for Loan Losses	4.86	4.56	2.8	1.99	1.05	1.11
Revenue	131.87	125.14	111.3	115.12	87.77	76.79
Revenue Growth (YoY)	16.57%	12.44%	-3.32%	31.16%	14.30%	19.96%
Salaries and Employee Benefits	50.37	48.39	42.56	40.83	30.94	29.57
Occupancy Expenses	6.34	5.96	5.15	5.2	3.56	3.1
Selling, General & Administrative	8.53	8.03	10.96	12.69	9.03	6.98
Other Non-Interest Expense	27.39	25.88	20.29	20.34	15.49	14
Total Non-Interest Expense	92.62	88.25	78.97	79.06	59.03	53.65
EBT Excluding Unusual Items	39.25	36.89	32.33	36.06	28.74	23.14
Pretax Income	39.25	36.89	32.33	36.06	28.74	23.14
Income Tax Expense	8.61	8.21	6.79	7.86	5.79	4.84
Net Income	30.65	28.68	25.54	28.2	22.96	18.3
Preferred Dividends & Other Adjustments	-0.32	-	2.78	-	-	-
Net Income to Common	30.96	28.68	22.76	28.2	22.96	18.3
Net Income Growth	13.60%	12.27%	-9.43%	22.85%	25.44%	35.74%
Basic Shares Outstanding	6	6	5	5	5	5
Diluted Shares Outstanding	6	6	5	5	5	5
Shares Change (YoY)	-3.14%	14.32%	0.76%	1.14%	0.93%	8.16%
EPS (Basic)	5.01	4.62	4.19	5.23	4.31	3.47
EPS (Diluted)	5.01	4.62	4.19	5.23	4.31	3.47
EPS Growth	18.49%	10.21%	-19.89%	21.47%	24.28%	25.50%
Dividend Per Share	1.050	1.050	1.000	0.900	0.850	0.680
Dividend Growth	-	5.00%	11.11%	5.88%	25.00%	36.00%
Effective Tax Rate	21.92%	22.26%	21.00%	21.79%	20.13%	20.93%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.