BancFirst: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Retained earnings rose 3.3% in Q2 2026 to $1.22B, the biggest move on this page. Within Oklahoma, BancFirst is 23rd of 71 on CET1 ratio, 17.11% as of Q2 2026. BancFirst reported 17.11% on CET1 ratio for Q2 2026, 4.16 points above the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.11% |
| Tier 1 risk-based capital ratio | 17.37% |
| Total risk-based capital ratio | 18.56% |
| Tier 1 leverage ratio | 10.63% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.33B |
| Tier 1 capital | $1.35B |
| Total risk-based capital | $1.45B |
| Total equity capital | $1.44B |
| Risk-weighted assets | $7.80B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.22% |
| Tangible equity to tangible assets | 10.60% |
| Equity capital to average assets | 11.20% |
| Internal capital growth rate | 10.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $20.9M |
| Common stock surplus | $185.4M |
| Retained earnings | $1.22B |
| Preferred stock and surplus | $20.0M |
| Accumulated other comprehensive income | -$7.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.90% | 15.18% | 16.36% | 10.85% | $7.27B |
| Q4 2023 | 14.27% | 14.54% | 15.68% | 10.43% | $7.44B |
| Q1 2024 | 14.57% | 14.84% | 15.94% | 10.62% | $7.49B |
| Q2 2024 | 14.71% | 14.98% | 16.09% | 10.69% | $7.61B |
| Q3 2024 | 14.74% | 15.01% | 16.12% | 10.52% | $7.65B |
| Q4 2024 | 15.42% | 15.69% | 16.81% | 10.29% | $7.38B |
| Q1 2025 | 16.01% | 16.28% | 17.42% | 10.36% | $7.31B |
| Q2 2025 | 16.45% | 16.72% | 17.86% | 10.46% | $7.33B |
| Q3 2025 | 16.73% | 17.00% | 18.15% | 10.62% | $7.41B |
| Q4 2025 | 17.11% | 17.38% | 18.48% | 10.74% | $7.45B |
| Q1 2026 | 16.59% | 16.85% | 18.01% | 10.49% | $7.81B |
| Q2 2026 | 17.11% | 17.37% | 18.56% | 10.63% | $7.80B |
BancFirst regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock BancFirst, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full BancFirst profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27476) · FFIEC NIC profile (RSSD 1386251)