BancFirst
BancFirst reported total assets of $12.8 bn at Q2 2026, up 8.0% on a year earlier, the 137th largest of 497 banks in our US coverage. The CET1 capital ratio at BancFirst was 17.11%, and the uninsured share of BancFirst was 27.08%. Source: FDIC Call Reports.
Key takeaways
- Since , BancFirst has taken over 5 institutions; the latest was American Bank of Oklahoma on (FDIC Call Reports).
- On net interest margin, BancFirst slipped from 166th to 210th among 500 US banks between and (1 = highest; FDIC Call Reports).
- BancFirst reports one of the lowest loan-to-deposit ratio readings among banks of $10 bn to $100 bn: 63.83% at , where the median of the 126 banks is 85.69% (FDIC Call Reports).
What sets BancFirst apart
How large is BancFirst?
The balance sheet of BancFirst at : assets $12.8 bn, deposits $11.2 bn, net loans $7.1 bn (loans equal to 63.83% of deposits). Securities make up 8.0% of total assets at BancFirst. Since , when BancFirst held $6.7 bn, its assets grew 90.4%. In the year to , deposits at BancFirst rose 7.4% while its total assets rose 8.0%. At , BancFirst employed 2,032 full-time equivalent staff across 123 offices, about $6.3 mn of assets per employee and $91.0 mn of deposits per office.
How much funding at BancFirst is uninsured?
At BancFirst, uninsured deposits (above the FDIC limit) made up 27.08% of domestic deposits at (+0.08 pp on a year earlier); BancFirst ranks 351st of 500 on this measure. In dollars, BancFirst estimated $3.0 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $11.2 bn | +7.4% | 132nd of 499 |
| Net loans and leases | $7.1 bn | +7.0% | 155th of 500 |
| Loan-to-deposit ratio | 63.83% | -0.24 pp | 445th of 500 |
| Tier 1 leverage ratio | 10.63% | +0.17 pp | 215th of 500 |
| Total risk-based capital ratio | 18.56% | +0.70 pp | 60th of 448 |
| Net interest margin | 3.77% | +0.06 pp | 210th of 500 |
| Return on assets (ROA) | 1.75% | -0.01 pp | 91st of 500 |
| Efficiency ratio | 50.19% | -0.46 pp | 144th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $9.4 mn | Narrowed by $10.7 mn | |
| Noncurrent loans to total loans | 1.19% | +0.37 pp | 395th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.11% | +0.06 pp | 274th of 500 (1 = lowest) |
US rank of BancFirst: 1 = highest unless marked 1 = lowest.
Balance sheet
BancFirst: assets, deposits and loans
- Total assets $12.8bn
- Deposits $11.2bn
- Net loans $7.1bn
Capital and securities
The CET1 ratio of BancFirst stood at 17.11% in , +0.66 pp year on year. Low and high at BancFirst since : 11.82% () to 17.11% (). Equity capital of BancFirst at : $1.4 bn, or 11.2% of total assets. BancFirst also reported a total capital ratio of 18.56% for , and a tier 1 leverage ratio of 10.63%.
The available-for-sale portfolio of BancFirst showed an unrealized loss of $9.4 mn at ; the loss narrowed by $10.7 mn over the year.
BancFirst: capital ratios
- Total capital 19%
- CET1 17%
- Tier 1 leverage 11%
BancFirst: unrealized securities gains and losses
- Available for sale -$9mn
- Held to maturity $0
Profitability and loan quality
For the year to , BancFirst earned a return on equity of 15.71%; return on assets: 1.75%. Net interest margin at BancFirst: 3.77%, +0.06 pp in a year. BancFirst net income: $111.2 mn, up 8.5% year on year. The efficiency ratio of BancFirst was 50.19%: about 50 cents cost per revenue dollar, against 54 cents at the median peer.
At , noncurrent loans were 1.19% of total loans at BancFirst; net charge-offs: 0.11% of average loans. Gross loans and leases at BancFirst: $7.2 bn, up 7.1% in a year.
BancFirst: profitability
- Return on equity 16%
- Net interest margin 3.8%
- Return on assets 1.8%
Peer group of BancFirst
The peer group of BancFirst is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of BancFirst (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Oklahoma. Against them, BancFirst shows CET1 ratio 17.11% against a peer median of 13.09%, return on equity 15.71% against a peer median of 12.15% and uninsured deposit share 27.08% against a peer median of 25.56%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Comenity Capital Bank | State nonmember bank | UT | $13.9 bn | 12.52% | 12.74% | 8.82% | |
| BMW Bank of North America | State nonmember bank | UT | $13.8 bn | 13.65% | 17.05% | 3.42% | |
| First Bank | State member bank | NC | $13.0 bn | 14.69% | 11.56% | 41.00% | |
| BancFirst | State member bank | OK | $12.8 bn | 17.11% | 15.71% | 27.08% | |
| Dollar Bank, Federal Savings Bank | Federal savings bank | PA | $12.7 bn | 15.38% | 5.92% | 28.83% | |
| PlainsCapital Bank | State member bank | TX | $12.7 bn | 12.50% | 9.99% | 53.89% | |
| The Park National Bank | National bank | OH | $12.6 bn | 12.24% | 16.37% | 22.29% | |
. FDIC Call Reports.
Last eight quarters
Two years at BancFirst, to : assets +15.4%, deposits +14.9%, equity +19.1%. Staff 1,876 to 2,032; offices 116 to 123.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $11.1 bn | $11.4 bn | $11.8 bn | $11.9 bn | $11.9 bn | $12.1 bn | $12.8 bn | $12.8 bn |
| Total deposits | $9.7 bn | $10.1 bn | $10.4 bn | $10.4 bn | $10.4 bn | $10.6 bn | $11.2 bn | $11.2 bn |
| Bank equity capital | $1.2 bn | $1.2 bn | $1.2 bn | $1.3 bn | $1.3 bn | $1.4 bn | $1.4 bn | $1.4 bn |
| CET1 ratio | 14.74% | 15.42% | 16.01% | 16.45% | 16.73% | 17.11% | 16.59% | 17.11% |
| Return on equity (ROE) | 15.87% | 16.32% | 16.02% | 16.43% | 16.24% | 16.40% | 15.09% | 15.71% |
| Uninsured share of domestic deposits | 26.93% | 28.19% | 28.20% | 26.99% | 27.79% | 27.59% | 28.25% | 27.08% |
| Full-time equivalent employees | 1,876 | 1,878 | 1,913 | 1,921 | 1,918 | 1,923 | 1,979 | 2,032 |
| Number of offices | 116 | 116 | 116 | 116 | 116 | 116 | 123 | 123 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of BancFirst, oldest first; figures before and after each event are not like for like.
- . Absorbed Bank of Commerce (FDIC certificate 23250).
- . Absorbed First Bank & Trust Company (FDIC certificate 4219).
- . Absorbed First Bank of Chandler (FDIC certificate 4056).
- . Absorbed The Citizens State Bank (FDIC certificate 419).
- . Absorbed The First National Bank and Trust Company of Vinita (FDIC certificate 4218).
- . Absorbed American Bank of Oklahoma (FDIC certificate 34606).
Large one-quarter moves at BancFirst
- Total assets at BancFirst changed by +28.3% in the quarter to 2022-03-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of BancFirst?
BancFirst reported $12.8 bn at in its Call Report. That makes BancFirst the 137th largest of 497 banks in our US coverage.
Is BancFirst the same as its holding company?
No. This page covers BancFirst, FDIC certificate 27476; BANCFIRST CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is BancFirst profitable?
BancFirst reported net income of $111.2 mn for the year to ; annualized return on equity: 15.71%. So yes: BancFirst made a profit over these months.
When is data for BancFirst next updated?
Figures from BancFirst for are due after .
Where can I check the figures for BancFirst?
In the FDIC BankFind Suite record for certificate 27476, and in the Call Reports of BancFirst (RSSD ID 1386251) at the FFIEC Central Data Repository.