BankFinancial (merged into First Financial Bank)
BankFinancial reported total assets of $1.4 bn at Q4 2025, its last Call Report before it merged into First Financial Bank. BankFinancial uses the community bank leverage ratio framework, with a leverage ratio of 11.58%, and the uninsured share of BankFinancial was 15.31%. Source: FDIC Call Reports.
What sets BankFinancial apart
Nothing in the latest data sets BankFinancial apart from banks of its size: no ratio in the top or bottom tenth of its size group, no large rank move or year change, and no acquisition in the FDIC history since 2016. This page is kept out of search results until that changes.
How large is BankFinancial?
The balance sheet of BankFinancial at : assets $1.4 bn, deposits $1.2 bn, net loans $700.2 mn (loans equal to 57.61% of deposits). Securities make up 9.9% of total assets at BankFinancial. Since , when BankFinancial held $1.5 bn, its assets shrank 7.0%. In the year to , deposits at BankFinancial fell 1.4% while its total assets fell 1.6%. At , BankFinancial employed 175 full-time equivalent staff across 19 offices, about $8.0 mn of assets per employee and $64.0 mn of deposits per office.
How much funding at BankFinancial is uninsured?
At BankFinancial, uninsured deposits (above the FDIC limit) made up 15.31% of domestic deposits at (-0.93 pp on a year earlier). In dollars, BankFinancial estimated $186.1 mn of uninsured deposits.
Key facts, Q4 2025
| Metric | Value | A year earlier | US rank |
|---|---|---|---|
| Total deposits | $1.2 bn | $1.2 bn (Q4 2024) | |
| Net loans and leases | $700.2 mn | $887.6 mn (Q4 2024) | |
| Loan-to-deposit ratio | 57.61% | 71.98% (Q4 2024) | |
| Net interest margin | 3.48% | 3.64% (Q4 2024) | |
| Return on assets (ROA) | 0.64% | 0.41% (Q4 2024) | |
| Efficiency ratio | 75.93% | 76.60% (Q4 2024) | |
| Unrealized gain/loss on available-for-sale securities | Gain of $15,000 | Turned from a loss into a gain | |
| Noncurrent loans to total loans | 1.59% | 1.89% (Q4 2024) | |
| Net charge-offs to average loans | 0.07% | 0.60% (Q4 2024) |
US rank of BankFinancial: 1 = highest unless marked 1 = lowest.
Balance sheet
BankFinancial: assets, deposits and loans
- Total assets $1.4bn
- Deposits $1.2bn
- Net loans $700mn
Capital and securities
BankFinancial uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 11.58% in . Equity capital of BankFinancial at : $167.0 mn, or 11.9% of total assets.
The available-for-sale portfolio of BankFinancial showed an unrealized gain of $15,000 at ; the gain turned from a loss into a gain over the year.
BankFinancial: capital ratios
- Total capital 16%
- CET1 16%
- Tier 1 leverage 12%
BankFinancial: unrealized securities gains and losses
- Available for sale $15,000
- Held to maturity $0
Profitability and loan quality
For the year to , BankFinancial earned a return on equity of 5.58%; return on assets: 0.64%. Net interest margin at BankFinancial: 3.48%, -0.16 pp in a year. BankFinancial net income: $9.1 mn, up 52.3% year on year. The efficiency ratio of BankFinancial was 75.93%: about 76 cents cost per revenue dollar, against 65 cents at the median peer.
At , noncurrent loans were 1.59% of total loans at BankFinancial; net charge-offs: 0.07% of average loans. Gross loans and leases at BankFinancial: $708.5 mn at , against $895.2 mn at .
BankFinancial: profitability
- Return on equity 5.6%
- Net interest margin 3.5%
- Return on assets 0.6%
Peer group of BankFinancial
BankFinancial is the smallest bank in its peer group at ; the other 6 are the banks just above BankFinancial by total assets. Of the peers, 1 shares the charter type of BankFinancial (national bank) and 1 has its head office in Illinois. Against them, BankFinancial shows return on equity 5.58% against a peer median of 7.20% and uninsured deposit share 15.31% against a peer median of 31.64%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Schaumburg Bank & Trust Company | National bank | IL | $2.3 bn | 12.24% | 16.11% | 33.10% | |
| Vallant Bank | State nonmember bank | GA | $2.3 bn | 11.63% | 13.97% | 33.35% | |
| Nelnet Bank | State nonmember bank | UT | $2.1 bn | not reported | 6.20% | 2.35% | |
| Planters Bank & Trust Company | State nonmember bank | MS | $2.1 bn | 15.23% | 8.20% | 41.14% | |
| Cornerstone Bank | State member bank | MA | $1.8 bn | 12.44% | 5.41% | 30.19% | |
| Lawrence Bank | State nonmember bank | TN | $1.6 bn | 12.36% | 5.31% | 30.12% | |
| BankFinancial | National bank | IL | $1.4 bn | not reported | 5.58% | 15.31% | |
. FDIC Call Reports.
Last eight quarters
Two years at BankFinancial, to : assets $1.5 bn to $1.4 bn, deposits $1.3 bn to $1.2 bn, equity $161.3 mn to $167.0 mn. Staff 217 to 175.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $1.5 bn | $1.5 bn | $1.4 bn | $1.4 bn | $1.4 bn | $1.4 bn | $1.4 bn | $1.4 bn |
| Total deposits | $1.3 bn | $1.3 bn | $1.2 bn | $1.2 bn | $1.2 bn | $1.2 bn | $1.3 bn | $1.2 bn |
| Bank equity capital | $161.3 mn | $164.5 mn | $163.3 mn | $159.8 mn | $162.7 mn | $163.2 mn | $165.6 mn | $167.0 mn |
| Return on equity (ROE) | 5.42% | 5.95% | 5.96% | 3.71% | 6.51% | 3.69% | 5.25% | 5.58% |
| Uninsured share of domestic deposits | 15.40% | 16.62% | 15.91% | 16.25% | 16.42% | 15.44% | 17.20% | 15.31% |
| Full-time equivalent employees | 217 | 206 | 198 | 197 | 191 | 190 | 184 | 175 |
| Number of offices | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of BankFinancial, oldest first; figures before and after each event are not like for like.
- . Merged into First Financial Bank (FDIC certificate 6600).
Questions and identifiers
What were the total assets of BankFinancial?
BankFinancial reported $1.4 bn at in its Call Report.
Is BankFinancial the same as its holding company?
No. This page covers BankFinancial, FDIC certificate 28808; BANKFINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is BankFinancial profitable?
BankFinancial reported net income of $9.1 mn for the year to ; annualized return on equity: 5.58%. So yes: BankFinancial made a profit over these months.
When is data for BankFinancial next updated?
BankFinancial no longer files Call Reports; its data ends at .
Where can I check the figures for BankFinancial?
In the FDIC BankFind Suite record for certificate 28808, and in the Call Reports of BankFinancial (RSSD ID 454676) at the FFIEC Central Data Repository.