BancFirst
BankRegReports is independent of BancFirst and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
BancFirst is an FDIC-insured commercial bank headquartered in Oklahoma City, OK, supervised by the Federal Reserve, with $12.80B in total assets at Q2 2026, up 8.0% from Q2 2025, the 4th largest of 169 banks headquartered in Oklahoma. It was established in 1989 and holds FDIC certificate 27476. Its CET1 capital ratio was 17.11% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 27476
- Headquarters
- Oklahoma City, OK
- Established
- 1989
- Total assets, Q2 2026
- $12.80B
- Assets vs Q2 2025
- +8.0%
- CET1 ratio, Q2 2026
- 17.11%
- Domestic offices
- 123 · BancFirst branches FDIC institution directory, current count
- Routing number
- 103003632
- Safety and soundness
- Is BancFirst safe?
- Latest call report
- Q2 2026, FFIEC 041 · BancFirst call report
- Holding company
- BANCFIRST CORPORATION
- Asset rank in state
- 4th of 169 in Oklahoma
Problem loans are rising at BancFirst. The Oklahoma City, Oklahoma bank had $12.8 billion in assets at June 30, 2026, up 8.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.05% of loans from 0.66% a year earlier. It holds common equity equal to 17.11% of its risk-weighted assets, higher than about three-quarters of the 124 banks with $10 billion to $100 billion in assets (median 12.98%). It also earns about $1.81 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.34).
The commercial and industrial book ($1.4 billion) is worsening: 3.07% of it is past due or on nonaccrual, up from 0.80% a year earlier.
As of June 30, 2026, BancFirst reported a CET1 capital ratio of 17.11%, a return on assets of 1.81%, a nonperforming-loan ratio of 1.19% and a Texas ratio of 6.61%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, BancFirst is the 4th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets were flat, loans rose 1.1% and deposits fell 0.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 23.1% of total loans, ahead of commercial and industrial loans at 19.2%. Its 116 offices in the FDIC Summary of Deposits are in 62 cities in OK; its Oklahoma City 15 offices book 22% of its branch deposits. Judged on its Q2 2026 call report, BancFirst meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 N Broadway Ave, Oklahoma City, OK 73102
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 1, 1989
- Domestic offices
- 123 FDIC institution directory, current count
- Employees (FTE)
- 2,032
- Domestic deposits
- $11.19B
- Allowance for credit losses
- $91.7M
- Net charge-offs (YTD)
- $3.9M
- Average total assets
- $12.83B
- Average total loans
- $7.17B
- Average interest-bearing deposits
- $7.64B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- April 1, 1989
- FDIC Cert
- 27476
- Fed RSSD
- 1386251
- SEC CIK
- 760498 → filed by BANCFIRST CORPORATION
- Website
- www.bancfirst.bank →
- Parent Holding Company
- BANCFIRST CORPORATION (RSSD 1133286) · BANF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Jason A Carroll | CRO | Chief Risk Officer |
| John K Slay Jr | CCO | Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, BancFirst's total assets ran between $10.23B (Q3 2023) and $12.80B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$12.80B total assets against $11.85B; $11.37B total liabilities against $10.57B.
$7.14B net loans and leases against $6.67B; $11.19B total deposits against $10.42B.
$1.02B securities against $950.7M; $3.87B cash and balances due against $3.55B.
$166.0M total interest income against $158.9M; $53.1M total interest expense against $56.6M.
$112.9M net interest income against $102.2M.
$41.0M total noninterest income against $36.9M; $75.4M total noninterest expense against $70.1M.
$4.3M provision for credit losses against $839K.
$58.2M net income against $53.3M.
1.81% return on assets against 1.81%; 3.79% net interest margin against 3.71%.
17.11% CET1 capital ratio against 16.45%; 10.63% tier 1 leverage ratio against 10.46%.
Inside the full BancFirst terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBancFirst rankings
Its closest position to the top of a national ranking is 136 of 4,196, for total assets; its furthest is 637 of 980, for uninsured deposits.
Banks merged into BancFirst
- American Bank of Oklahoma, effective February 13, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.68% (Q1 2026) to 1.87% (Q4 2025) and its net interest margin ran from 3.61% (Q1 2025) to 3.79% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.11% | 1.81% | 1.19% | 6.61% | 3.79% |
| Q1 2026 | 16.59% | 1.68% | 0.94% | 4.70% | 3.66% |
| Q4 2025 | 17.11% | 1.87% | 0.87% | 3.94% | 3.69% |
| Q3 2025 | 16.73% | 1.74% | 0.91% | 4.14% | 3.78% |
| Q2 2025 | 16.45% | 1.81% | 0.82% | 3.88% | 3.71% |
| Q1 2025 | 16.01% | 1.70% | 0.60% | 2.85% | 3.61% |
| Q4 2024 | 15.42% | 1.87% | 0.66% | 3.21% | 3.68% |
| Q3 2024 | 14.74% | 1.80% | 0.42% | 2.41% | 3.79% |
Swipe the table sideways to see every column.
Branch Network
View all 116 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| BancFirst (main office) | Oklahoma City , OK | 73102 | $1.41B |
| 7625 East 51st Street Branch | Tulsa , OK | 74145 | $577.7M |
| Stillwater Branch | Stillwater , OK | 74074 | $491.4M |
| Federal Harrison Branch | Shawnee , OK | 74804 | $368.6M |
| 310 West Main Street Branch | Ardmore , OK | 73401 | $340.9M |
| Edmomd Bryant Branch | Edmond , OK | 73034 | $252.3M |
| Claremore Branch | Claremore , OK | 74017 | $247.5M |
| Muskogee Branch | Muskogee , OK | 74403 | $236.4M |
| Oklahoma City Branch | Oklahoma City , OK | 73118 | $236.0M |
| Kingfisher Branch | Kingfisher , OK | 73750 | $216.8M |
| Prague Branch | Prague , OK | 74864 | $212.7M |
| Norman Branch | Norman , OK | 73069 | $205.3M |
| South Penn Branch | Oklahoma City , OK | 73159 | $201.9M |
| Moore Branch 5th Street | Moore , OK | 73160 | $192.7M |
| El Reno Country Club Road Branch | El Reno , OK | 73036 | $189.4M |
| Chandler Branch | Chandler , OK | 74834 | $183.4M |
| Tahlequah Branch | Tahlequah , OK | 74464 | $172.3M |
| Sand Springs Branch | Sand Springs , OK | 74063 | $166.0M |
| Yukon South Cornwell Branch | Yukon , OK | 73099 | $162.2M |
| Vinita Mo Branch | Vinita , OK | 74301 | $159.5M |
| Mcalester Branch | Mcalester , OK | 74501 | $155.8M |
| Frederick North Main Branch | Frederick , OK | 73542 | $143.6M |
| Guthrie Branch | Guthrie , OK | 73044 | $139.3M |
| Marlow Branch | Marlow , OK | 73055 | $139.0M |
| Jenks Branch | Jenks , OK | 74037 | $136.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 13, 2026 | Structure Change | Acquired American Bank of Oklahoma Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 13, 2026 | M&A | Acquired American Bank of Oklahoma merger for the acquired bank | SEC |
| February 13, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 21, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 21, 2021 | Structure Change | Acquired The First National Bank and Trust Company of Vinita Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 21, 2021 | M&A | Acquired The First National Bank and Trust Company of Vinita merger for the acquired bank | SEC |
| March 6, 2020 | M&A | Acquired The Citizens State Bank merger for the acquired bank | SEC |
| March 6, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 6, 2020 | Structure Change | Acquired The Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 7, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 7, 2018 | Structure Change | Acquired First Bank of Chandler Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 7, 2018 | M&A | Acquired First Bank of Chandler merger for the acquired bank | SEC |
| February 16, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 16, 2018 | M&A | Acquired First Bank & Trust Company merger for the acquired bank | SEC |
| February 16, 2018 | Structure Change | Acquired First Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 13, 2015 | M&A | Acquired Bank of Commerce merger for the acquired bank | SEC |
| November 13, 2015 | Structure Change | Acquired Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 13, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 25, 2014 | M&A | Acquired The Bank of Union failure_government_assistance_provided for the acquired bank | SEC |
| January 25, 2014 | Structure Change | Acquired The Bank of Union Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 24, 2014 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 17, 2012 | M&A | Acquired 1st Bank Oklahoma merger for the acquired bank | SEC |
| February 17, 2012 | Structure Change | Acquired 1st Bank Oklahoma Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 17, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 21, 2011 | M&A | Acquired The Okemah National Bank merger for the acquired bank | SEC |
| October 21, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 21, 2011 | Structure Change | Acquired The Okemah National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 17, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 17, 2011 | M&A | Acquired Exchange National Bank of Moore merger for the acquired bank | SEC |
| June 17, 2011 | Structure Change | Acquired Exchange National Bank of Moore Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 11, 2010 | M&A | Acquired Union Bank of Chandler merger for the acquired bank | SEC |
| November 11, 2010 | Structure Change | Acquired Union Bank of Chandler Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 11, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 5, 2010 | M&A | Acquired First State Bank, Jones, Oklahoma merger for the acquired bank | SEC |
| March 5, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 5, 2010 | Structure Change | Acquired First State Bank, Jones, Oklahoma Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 8, 2006 | Structure Change | Acquired First Bartlesville Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 8, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 8, 2006 | M&A | Acquired First Bartlesville Bank merger for the acquired bank | SEC |
| February 24, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 24, 2006 | Structure Change | Acquired Park State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 24, 2006 | M&A | Acquired Park State Bank merger for the acquired bank | SEC |
| February 20, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 20, 2004 | M&A | Acquired Lincoln National Bank merger for the acquired bank | SEC |
| February 20, 2004 | Structure Change | Acquired Lincoln National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 14, 2001 | M&A | Acquired First Southwest Bank merger for the acquired bank | SEC |
| September 14, 2001 | Structure Change | Acquired First Southwest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 14, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 10, 2000 | M&A | Acquired First State Bank merger for the acquired bank | SEC |
| November 10, 2000 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 50 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action December 20, 1995. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 7.5% of deposits in OK, rank 3 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,837 applications, 3,819 loans originated, $624.3M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 78 loans, $31.1M approved, $398K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 26 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows BancFirst’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about BancFirst
What are BancFirst's total assets?
As of the Q2 2026 filing, BancFirst reported total assets of $12.80 billion in its FFIEC call report.
Where is BancFirst headquartered?
It is headquartered in Oklahoma City, OK, United States.
When was BancFirst founded?
It was established in 1989, per the FDIC institution directory.
Is BancFirst FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27476). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BancFirst?
BancFirst's primary federal regulator is the Federal Reserve.
What is BancFirst's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.11% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does BancFirst operate?
It operates 123 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BancFirst's Texas Ratio?
Its Texas Ratio is 6.61% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on BancFirst.
Get an email when BancFirst files its next call report, and benchmark it against any peer you choose.
Unlock BancFirst, freeFree account