{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-101224","form_type":"8-K","ticker":"BFC","cik":"0001746109","company_name":"Bank First Corp","filed_at":"2025-10-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.326552+00:00","generated_at":"2026-05-17T03:03:10.869364+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Bank First Q3 net income rises to $18.0M ($1.83 EPS); adj. EPS $1.91; declares $0.45 dividend","bullets":["Net income of $18.0M ($1.83 diluted EPS) vs $16.6M ($1.65) in Q3 2024; nine-month net income $53.1M ($5.36 EPS) vs $48.0M ($4.75).","Adjusted net income (non-GAAP) of $18.8M ($1.91 per share) for Q3 2025.","Net interest margin expanded to 3.88% from 3.76% YoY; loan portfolio grew at 5.5% annualized in Q3.","Declared quarterly cash dividend of $0.45 per share, payable Jan 7, 2026, record Dec 24, 2025.","Merger expenses of $0.9M related to acquisition of Centre 1 Bancorp (closing Jan 1, 2026)."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-101224","json":"https://secwatch.observer/filing/0001104659-25-101224.json","markdown":"https://secwatch.observer/filing/0001104659-25-101224.md","text":"https://secwatch.observer/filing/0001104659-25-101224.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1746109/000110465925101224/0001104659-25-101224-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1746109/000110465925101224/tm2529109d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:03:10.869364+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}