---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-068872"
form_type: "8-K"
ticker: "BFC"
cik: "0001746109"
company_name: "Bank First Corp"
filed_at: "2025-07-18T23:59:59+00:00"
generated_at: "2026-05-18T05:47:52.528836+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Bank First Q2 net income $16.9M ($1.71 EPS) up YoY; NIM 3.72%, dividend $0.45

## Summary
- Net income $16.9M ($1.71 EPS) in Q2 2025 vs $16.1M ($1.59 EPS) in Q2 2024, a 5% increase; six-month net income $35.1M.
- Net interest margin improved to 3.72% from 3.63% a year ago; NII of $36.7M, up $3.7M YoY.
- Nonperforming assets $13.6M (0.31% of total assets) vs $11.0M (0.27%) a year ago; provision for credit losses $0.2M.
- Quarterly cash dividend of $0.45 per share declared, payable Oct 8, 2025, 12.5% higher than prior-year Q2; also declared $3.50 special dividend in Q2 2025.
- Book value per share $62.27, tangible book value $42.57 as of June 30, 2025.

## SEC filing metadata
- accession: 0001104659-25-068872
- form_type: 8-K
- ticker: BFC
- cik: 0001746109
- company_name: Bank First Corp
- filed_at: 2025-07-18T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1746109/000110465925068872/0001104659-25-068872-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1746109/000110465925068872/tm2521094d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-068872
- JSON: https://secwatch.observer/filing/0001104659-25-068872.json
- Plain text: https://secwatch.observer/filing/0001104659-25-068872.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.