Bank First (BFC) risk factors

Item 1A of every Bank First Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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FY2025 10-K risk factors
38 risks1 new4 dropped13 reworded
Deposit growth and retention risks were added, reflecting heightened liquidity and funding cost pressures. Acquisition and geographic expansion risks now explicitly mention Illinois alongside Wisconsin. Real estate loan collateral concentration shifted slightly from 75.8% to 74.1%.
Filed Feb 27, 2026
FY2024 10-K risk factors
41 risks
The risk factors are dominated by interest rate fluctuations, credit quality in real estate loans, and heavy regulatory oversight in Wisconsin.
Filed Feb 28, 2025