BancFirst: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 0.83 percentage points in Q2 2026, from 63.82% to 64.65%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, BancFirst is 125th of 169 on loan-to-deposit ratio, 64.65% as of Q2 2026. The median for banks in the $10B-100B asset tier is 86.87% on loan-to-deposit ratio. BancFirst sits 22.22 points lower, at 64.65% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $7.24B |
| Net loans and leases | $7.14B |
| Loans held for sale | $9.9M |
| Loans to total assets | 56.50% |
| Loan-to-deposit ratio | 64.65% |
| Net loans to equity capital | 4.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.69% |
| Multifamily (5+ residential) | 4.97% |
| Commercial and industrial | 19.23% |
| Consumer | 6.95% |
| Credit cards | 0.00% |
| Farm | 4.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.56% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 165.42% |
| Construction concentration (Tier 1 capital + allowance) | 47.97% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.90% |
| Interest income on loans | $123.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $6.32B | $9.01B | 29.58% | 22.06% | 7.00% |
| Q4 2023 | $6.46B | $9.22B | 29.19% | 21.37% | 6.89% |
| Q1 2024 | $6.57B | $9.38B | 29.21% | 21.26% | 6.71% |
| Q2 2024 | $6.78B | $9.44B | 28.66% | 22.11% | 6.57% |
| Q3 2024 | $6.86B | $9.74B | 28.17% | 21.90% | 6.60% |
| Q4 2024 | $6.67B | $10.09B | 27.65% | 19.45% | 6.77% |
| Q1 2025 | $6.73B | $10.39B | 27.47% | 19.51% | 6.61% |
| Q2 2025 | $6.76B | $10.42B | 27.02% | 19.95% | 6.68% |
| Q3 2025 | $6.88B | $10.37B | 26.68% | 20.54% | 6.74% |
| Q4 2025 | $6.86B | $10.58B | 27.78% | 19.50% | 6.94% |
| Q1 2026 | $7.16B | $11.21B | 27.89% | 19.29% | 6.97% |
| Q2 2026 | $7.24B | $11.19B | 28.69% | 19.23% | 6.95% |
BancFirst loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock BancFirst, freeSource: Call Report Schedule RC-C, 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)