Bank · FDIC insured
Bank First
A $5.9B bank, the 250th largest of 4,207, headquartered in Manitowoc, WI, with 38 branches in 2 states. Best rates: CDs 2.28% and savings 0.15% APY.
Bank First Carrot Score
64
Carrot Score
Higher than 11% of U.S. banks and credit unions
#10 of 13 in Manitowoc, WI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Bank First
- Headquarters
- 402 N 8th St, Manitowoc, WI 54220
- FDIC certificate
- 5304 ↗
Branches
38 branches in 2 states
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Wisconsin
35 branches
Manitowoc area · 7
- Bank First, N.A.Main office402 N 8th St, Manitowoc, WI 54220Directions
- Kiel Branch601 Fremont St, Kiel, WI 53042Directions
- Custer Street Branch2915 Custer St, Manitowoc, WI 54220Directions
- Mishicot Office Branch110 Baugniet St, Mishicot, WI 54228Directions
- Reedsville Branch100 Mill Street, Reedsville, WI 54230Directions
- Two Rivers Branch1703 Lake St, Two Rivers, WI 54241Directions
- Valders Branch167 Lincoln St, Valders, WI 54245Directions
Janesville area · 4
- Inman Parkway Branch1882 E Inman Pkwy, Beloit, WI 53511Directions
- The First National Bank And Trust Company Branch345 E Grand Ave, Beloit, WI 53511Directions
- Clinton Branch500 Peck Ave, Clinton, WI 53525Directions
- Janesville Holiday Drive Branch2111 Holiday Drive, Janesville, WI 53545Directions
Madison area · 4
- Cambridge Branch221 W Main St, Cambridge, WI 53523Directions
- Monroe Branch1625 10th St, Monroe, WI 53566Directions
- Pardeeville Branch512 S Main St, Pardeeville, WI 53954Directions
- Poynette Branch105 S Main St, Poynette, WI 53955Directions
Green Bay area · 3
- Bellevue Branch2747 Manitowoc Rd, Bellevue, WI 54311Directions
- Denmark Branch103 Main St, Denmark, WI 54208Directions
- Howard Branch1951 Shawano Ave, Green Bay, WI 54303Directions
Whitewater area · 3
- Darien Branch218 N Walworth St, Darien, WI 53114Directions
- Delavan Inlet BranchHighway 50 And South Shore Drive, Delavan Township, WI 53115Directions
- Old Walworth State Bank BranchKenosha Street And Highway 67, Walworth, WI 53184Directions
Sheboygan area · 2
- Plymouth Branch2700 Eastern Ave, Plymouth, WI 53073Directions
- Sheboygan Branch2600 Kohler Memorial Dr, Sheboygan, WI 53081Directions
Appleton area · 1
- Appleton Branch4201 W Wisconsin Ave, Appleton, WI 54913Directions
Milwaukee area · 1
- Cedarburg BranchW61 N529 Washington Avenue, Cedarburg, WI 53012Directions
Clintonville area · 1
- Clintonville Branch135 S Main St, Clintonville, WI 54929Directions
Fond du Lac area · 1
- Fond Du Lac Branch825 W Johnson St, Fond du Lac, WI 54935Directions
Iola area · 1
- Iola Branch295 E State St, Iola, WI 54945Directions
Oshkosh area · 1
- Bank First National Branch1159 N Koeller St, Oshkosh, WI 54902Directions
Shawano area · 1
- Shawano Branch835 E Green Bay St, Shawano, WI 54166Directions
Sturgeon Bay area · 1
- Sturgeon Bay Branch3854 Old Highway Rd, Sturgeon Bay, WI 54235Directions
Sparta area · 1
- Tomah Branch110 W Veterans St, Tomah, WI 54660Directions
Watertown area · 1
- Watertown Branch104 W Main St, Watertown, WI 53094Directions
Waupaca area · 1
- Waupaca Br111 Jefferson St, Waupaca, WI 54981Directions
Wautoma area · 1
- Wautoma Branch105 N Plaza Rd, Wautoma, WI 54982Directions
Illinois
3 branches
- Rockton Branch300 E Main St, Rockton, IL 61072Directions
- Roscoe Branch5360 Bridge St, Roscoe, IL 61073Directions
- Winnebago Branch508 N Elida St, Winnebago, IL 61088Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.27% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.56% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.67% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $90 | $88 | — |
- CapitalLeverage ratio9.27%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.56%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.67%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$90Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Bank First are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.