BancFirst: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 10.56% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 10.56% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 17.11% +10.61 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $1.33B | 1,334,858 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.80B | 7,799,449 | RCOAA223 |
| Recomputed ratio | 17.11% | numerator / denominator | |
| Filed ratio | 17.11% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.61 pp | $827.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 17.37% +9.37 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $1.35B | 1,354,858 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.80B | 7,799,449 | RCOAA223 |
| Recomputed ratio | 17.37% | numerator / denominator | |
| Filed ratio | 17.37% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +9.37 pp | $730.9M | capital that could be lost first |
Total risk-based capital ratio 18.56% +8.56 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $1.45B | 1,447,313 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.80B | 7,799,449 | RCOAA223 |
| Recomputed ratio | 18.56% | numerator / denominator | |
| Filed ratio | 18.56% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +8.56 pp | $667.4M | capital that could be lost first |
Tier 1 leverage ratio 10.63% +5.63 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $1.35B | 1,354,858 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $12.74B | 12,743,810 | RCOAA224 |
| Recomputed ratio | 10.63% | numerator / denominator | |
| Filed ratio | 10.63% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.63 pp | $717.7M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 206,308 | 207,428 | 206,240 | 205,487 | 204,716 | 204,089 | RCOAP742 |
| Retained earnings | 1,217,789 | 1,178,987 | 1,146,971 | 1,111,311 | 1,079,493 | 1,044,940 | RCOAKW00 |
| Accumulated other comprehensive income | (7,118) | (9,389) | (7,081) | (11,098) | (15,241) | (20,671) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 1,416,979 | 1,377,026 | 1,346,130 | 1,305,700 | 1,268,968 | 1,228,358 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (82,121) | (80,424) | (70,676) | (66,955) | (63,274) | (58,305) | P859 - P840 |
| Common equity Tier 1 capital | 1,334,858 | 1,296,602 | 1,275,454 | 1,238,745 | 1,205,694 | 1,170,053 | RCOAP859 |
| Additional Tier 1 capital | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | RCOAP865 |
| Tier 1 capital | 1,354,858 | 1,316,602 | 1,295,454 | 1,258,745 | 1,225,694 | 1,190,053 | RCOA8274 |
| Tier 2 capital | 92,455 | 90,490 | 81,864 | 85,531 | 83,230 | 83,356 | RCOA5311 |
| Allowance includable in Tier 2 capital | 92,455 | 90,490 | 81,864 | 85,531 | 83,230 | 83,356 | RCOA5310 |
| Total capital | 1,447,313 | 1,407,092 | 1,377,318 | 1,344,276 | 1,308,924 | 1,273,409 | RCOA3792 |
| Total risk-weighted assets | 7,799,449 | 7,813,823 | 7,453,619 | 7,405,126 | 7,330,152 | 7,309,917 | RCOAA223 |
| Average total assets for the leverage ratio | 12,743,810 | 12,551,308 | 12,060,623 | 11,852,034 | 11,716,194 | 11,482,423 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $3.87B | $32.3M | 0.83% | 0.41% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.03B | $16.1M | 1.56% | 0.21% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $1.67B | $840.2M | 50.29% | 10.77% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $100.8M | $151.3M | 150.00% | 1.94% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $76.6M | $85.4M | 111.45% | 1.09% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $5.39B | $5.24B | 97.27% | 67.18% | RC-R Part II, item 4.d, 5.d |
| All other assets | $677.0M | $660.3M | 97.53% | 8.47% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $775.6M | $769.4M | 99.20% | 9.87% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $12.0M | $0 | 0.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $4.6M | NA | 0.06% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $7.79B | ties to item 31 ($7.79B) |
|---|---|---|
| Risk-weighted assets before deductions | $7.80B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $7.80B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 17.11% | 17.37% | 18.56% | 10.63% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 16.59% | 16.85% | 18.01% | 10.49% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 17.11% | 17.38% | 18.48% | 10.74% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 16.73% | 17.00% | 18.15% | 10.62% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 16.45% | 16.72% | 17.86% | 10.46% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 16.01% | 16.28% | 17.42% | 10.36% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 15.42% | 15.69% | 16.81% | 10.29% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 14.74% | 15.01% | 16.12% | 10.52% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 14.71% | 14.98% | 16.09% | 10.69% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 14.57% | 14.84% | 15.94% | 10.62% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 14.27% | 14.54% | 15.68% | 10.43% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 14.90% | 15.18% | 16.36% | 10.85% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| BancFirst (this bank) | Risk-based | 17.11% | 17.37% | 18.56% | 10.63% | |
| Dollar Bank, Federal Savings Bank | $12.70B | Risk-based | 15.38% | 15.38% | 16.45% | 11.05% |
| PlainsCapital Bank | $12.68B | Risk-based | 12.50% | 12.50% | 13.47% | 9.73% |
| The Park National Bank | $12.61B | Risk-based | 12.24% | 12.24% | 13.54% | 10.33% |
| First Bank | $13.03B | Risk-based | 14.69% | 14.69% | 15.94% | 11.50% |
| NBH Bank | $12.54B | Risk-based | 12.27% | 12.27% | 13.39% | 10.27% |
| Happen Bank, N.A. | $12.48B | Risk-based | 15.57% | 15.57% | 16.83% | 10.98% |
| First Commonwealth Bank | $12.18B | Risk-based | 12.24% | 12.24% | 14.00% | 10.17% |
| Columbia Bank | $12.17B | Risk-based | 13.19% | 13.19% | 14.11% | 9.75% |
| Oriental Bank | $12.04B | Risk-based | 13.22% | 13.22% | 14.48% | 10.57% |
| Peer 25th percentile | 12.27% | 12.27% | 13.54% | 10.17% | ||
| Peer median | 13.19% | 13.19% | 14.11% | 10.33% | ||
| Peer 75th percentile | 14.69% | 14.69% | 15.94% | 10.98% | ||
| This bank's percentile | 100 | 100 | 100 | 67 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/1386251/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.