BHF Rural Bank, Inc. was established in 1997 to meet the financial needs of the community and to serve as the primary credit arm of BHF Corporation for its real estate and chattel lending activities. Founded by the Bonifacio family, the Bank was duly registered with the Securities and Exchange Commission (SEC) and licensed by the Bangko Sentral ng Pilipinas (BSP) in the same year.

The Bank’s main office was first located at the BHF Corporation Building, A.B. Fernandez Avenue, Dagupan City. In 2001, it moved to BHF Plaza, Mayombo District, Dagupan City, and by 2007, it transferred to its own corporate building in the same district, where the Head Office and Main Branch remain today.

To strengthen its financial capacity and align with BSP’s capital adequacy standards, BHF Rural Bank, Inc. increased its authorized capital stock from its original ₱80 million to ₱180 million in 2006, and further to ₱300 million in 2021. This solid capital base ensures the Bank’s continued stability and capacity for sustainable growth.

Today, BHF Rural Bank, Inc. operates seven (7) branches, with its Head Office and Main Branch located in Dagupan City, and additional branches strategically established in Lingayen, Urdaneta City, Tayug, Mangatarem, Rosario (La Union), and Alaminos City.

Backed by its strong capital position, professional workforce, and modernized systems, BHF Rural Bank, Inc. remains steadfast in delivering reliable financial services — empowering individuals, supporting businesses, and contributing to the growth of the communities it proudly serves.