BancFirst: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 27.10 percentage points in Q2 2026, from 133.19% to 106.09%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, BancFirst is 54th of 169 on return on assets, 1.81% as of Q2 2026. The median for banks in the $10B-100B asset tier is 1.29% on return on assets. BancFirst sits 0.53 points higher, at 1.81% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.11% |
| Tier 1 risk-based capital ratio | 17.37% |
| Total risk-based capital ratio | 18.56% |
| Tier 1 leverage ratio | 10.63% |
| Equity capital to assets | 11.22% |
| Tangible equity to tangible assets | 10.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.19% |
| Non-performing assets ratio | 0.82% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 6.61% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 106.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.81% |
| Return on equity | 16.43% |
| Net interest margin | 3.79% |
| Efficiency ratio | 48.60% |
| Yield on earning assets | 5.57% |
| Cost of funds | 1.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.65% |
| Core deposits to total deposits | 95.53% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.40% |
| Securities to assets | 7.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.90% | 15.18% | 16.36% | 10.85% | 1.73% |
| Q4 2023 | 14.27% | 14.54% | 15.68% | 10.43% | 1.70% |
| Q1 2024 | 14.57% | 14.84% | 15.94% | 10.62% | 1.70% |
| Q2 2024 | 14.71% | 14.98% | 16.09% | 10.69% | 1.65% |
| Q3 2024 | 14.74% | 15.01% | 16.12% | 10.52% | 1.80% |
| Q4 2024 | 15.42% | 15.69% | 16.81% | 10.29% | 1.87% |
| Q1 2025 | 16.01% | 16.28% | 17.42% | 10.36% | 1.70% |
| Q2 2025 | 16.45% | 16.72% | 17.86% | 10.46% | 1.81% |
| Q3 2025 | 16.73% | 17.00% | 18.15% | 10.62% | 1.74% |
| Q4 2025 | 17.11% | 17.38% | 18.48% | 10.74% | 1.87% |
| Q1 2026 | 16.59% | 16.85% | 18.01% | 10.49% | 1.68% |
| Q2 2026 | 17.11% | 17.37% | 18.56% | 10.63% | 1.81% |
BancFirst vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock BancFirst, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)