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  <xsd:element name="FixedRateTermLoanMaturityMarch232027Member" id="bfc_FixedRateTermLoanMaturityMarch232027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FixedRateTermLoanMaturityMarch232028Member" id="bfc_FixedRateTermLoanMaturityMarch232028Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesJuniorSubordinatedDebentures" id="bfc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesJuniorSubordinatedDebentures" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ProvisionForCreditLossesFromUnfundedCommitments" id="bfc_ProvisionForCreditLossesFromUnfundedCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="UnfundedCommitmentAllowanceForCreditLoss" id="bfc_UnfundedCommitmentAllowanceForCreditLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableGradeSevenMember" id="bfc_FinancingReceivableGradeSevenMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PassGradesOneTwoThreeAndFourMember" id="bfc_PassGradesOneTwoThreeAndFourMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PassGradeFiveMember" id="bfc_PassGradeFiveMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoansOriginatedAsRevolvingLoansMember" id="bfc_LoansOriginatedAsRevolvingLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AccretionOfPurchaseAccountingValuations" id="bfc_AccretionOfPurchaseAccountingValuations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="LoansOriginatedIn2023Member" id="bfc_LoansOriginatedIn2023Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoansOriginatedIn2022Member" id="bfc_LoansOriginatedIn2022Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoansOriginatedIn2021Member" id="bfc_LoansOriginatedIn2021Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoansOriginatedIn2020Member" id="bfc_LoansOriginatedIn2020Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterest30To89DaysPastDueStillAccruing" id="bfc_FinancingReceivableExcludingAccruedInterest30To89DaysPastDueStillAccruing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestTotalPastDueLoans" id="bfc_FinancingReceivableExcludingAccruedInterestTotalPastDueLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossBeforeAdjustmentForDeferredLoanFeesAndCosts" id="bfc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossBeforeAdjustmentForDeferredLoanFeesAndCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="PledgedCollateralOtherBusinessAssetsMember" id="bfc_PledgedCollateralOtherBusinessAssetsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableCollateralDependentLoans" id="bfc_FinancingReceivableCollateralDependentLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableCollateralDependentLoansWithoutAllowanceForCreditLoss" id="bfc_FinancingReceivableCollateralDependentLoansWithoutAllowanceForCreditLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableCollateralDependentLoansWithAllowanceForCreditLoss" id="bfc_FinancingReceivableCollateralDependentLoansWithAllowanceForCreditLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableAllowanceForCreditLossesCollateralDependentLoans" id="bfc_FinancingReceivableAllowanceForCreditLossesCollateralDependentLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ScheduleOfTotalProvisionsForCreditLossesTableTextBlock" id="bfc_ScheduleOfTotalProvisionsForCreditLossesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ScheduleOfCollateralDependentLoansByPortfolioSegmentAndCollateralTypeTableTextBlock" id="bfc_ScheduleOfCollateralDependentLoansByPortfolioSegmentAndCollateralTypeTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="JuniorSubordinatedDebtObligationsFairValueDisclosure" id="bfc_JuniorSubordinatedDebtObligationsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="SubordinatedDebtObligationsExcludingJuniorSubordinatedNotesFairValueDisclosure" id="bfc_SubordinatedDebtObligationsExcludingJuniorSubordinatedNotesFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ScheduleOfBusinessAcquisitionsLoansAcquiredTableTextBlock" id="bfc_ScheduleOfBusinessAcquisitionsLoansAcquiredTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtSecuritiesHeldToMaturityUnrealizedLossPositionAccumulatedLossTotal" id="bfc_DebtSecuritiesHeldToMaturityUnrealizedLossPositionAccumulatedLossTotal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThanTwelveMonthsAccumulatedLoss" id="bfc_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThanTwelveMonthsAccumulatedLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" id="bfc_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" id="bfc_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionTwelveMonthsOrLongerAccumulatedLoss" id="bfc_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionTwelveMonthsOrLongerAccumulatedLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityUnrealizedLossPositionFairValueTotal" id="bfc_DebtSecuritiesHeldToMaturityUnrealizedLossPositionFairValueTotal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturitySecuritiesInUnrealizedLossPositionsNumberOfPositions" id="bfc_DebtSecuritiesHeldToMaturitySecuritiesInUnrealizedLossPositionsNumberOfPositions" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="CommercialRealEstateMultiFamilyMember" id="bfc_CommercialRealEstateMultiFamilyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoansIndividuallyEvaluatedNetOfReservesMeasurementInput" id="bfc_LoansIndividuallyEvaluatedNetOfReservesMeasurementInput" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="StephenE.JohnsonMember" id="bfc_StephenE.JohnsonMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoansOriginatedIn2024Member" id="bfc_LoansOriginatedIn2024Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoansOriginatedPriorTo2020Member" id="bfc_LoansOriginatedPriorTo2020Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FixedRateTermLoanMaturityJune292026Member" id="bfc_FixedRateTermLoanMaturityJune292026Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FixedRateTermLoanMaturityJune282027Member" id="bfc_FixedRateTermLoanMaturityJune282027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FixedRateTermLoanMaturityJuly52028Member" id="bfc_FixedRateTermLoanMaturityJuly52028Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FixedRateTermLoanMaturityJuly92029Member" id="bfc_FixedRateTermLoanMaturityJuly92029Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoansOriginatedIn2025Member" id="bfc_LoansOriginatedIn2025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoansOriginatedPriorTo2021Member" id="bfc_LoansOriginatedPriorTo2021Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CentreOneBancorpIncMember" id="bfc_CentreOneBancorpIncMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesSubordinatedDebentures" id="bfc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesSubordinatedDebentures" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="BusinessCombinationPurchaseAccountingFairValueAdjustment" id="bfc_BusinessCombinationPurchaseAccountingFairValueAdjustment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="SubordinatedNotesIssuedToTrustOneMember" id="bfc_SubordinatedNotesIssuedToTrustOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SubordinatedNotesAssumedInAcquisitionMember" id="bfc_SubordinatedNotesAssumedInAcquisitionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TerminationOfLeaseContract" id="bfc_TerminationOfLeaseContract" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
</xsd:schema>
