Bank Comparison
PlainsCapital Bank vs BancFirst
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At Q2 2026, BancFirst is the larger bank, with $12.80B in total assets to PlainsCapital Bank's $12.68B; BancFirst has the higher CET1 ratio (17.11% vs 12.50%) and the higher return on assets (1.81% vs 1.19%).
vs
3 · 14
winning metrics across 17 scored rows
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Capital adequacy
| Metric | PlainsCapital Bank | BancFirst |
|---|---|---|
| CET1 Ratio | 12.50% | 17.11% |
| Tier 1 Capital Ratio | 12.50% | 17.37% |
| Total Capital Ratio | 13.47% | 18.56% |
| Tier 1 Leverage Ratio | 9.73% | 10.63% |
| Equity / Assets | 10.75% | 11.22% |
Profitability
| Metric | PlainsCapital Bank | BancFirst |
|---|---|---|
| Return on Assets (ROA) | 1.19% | 1.81% |
| Return on Equity (ROE) | 10.85% | 16.43% |
| Net Interest Margin (NIM) | 3.35% | 3.79% |
| Yield on Earning Assets | 5.11% | 5.57% |
| Cost of Funds | 1.92% | 1.89% |
Asset quality
| Metric | PlainsCapital Bank | BancFirst |
|---|---|---|
| Texas Ratio | 4.82% | 6.61% |
| Non-Performing Loan Ratio | 1.03% | 1.19% |
| Non-Performing Asset Ratio | 0.81% | 0.82% |
| Net Charge-Off Ratio | 0.14% | 0.13% |
| ACL / Loans | 0.91% | 1.27% |
Balance sheet
| Metric | PlainsCapital Bank | BancFirst |
|---|---|---|
| Total Assets | $12.68B | $12.80B |
| Total Deposits | $10.66B | $11.19B |
| Total Loans | $9.27B | $7.24B |
| Total Equity | $1.36B | $1.44B |
| Net Income (quarter) | $36.8M | $58.2M |
Liquidity & funding
| Metric | PlainsCapital Bank | BancFirst |
|---|---|---|
| Loan-to-Deposit Ratio | 87.01% | 64.65% |
| Core Deposit Ratio | 94.53% | 95.53% |
| Uninsured Deposit Ratio | 53.89% | 27.08% |
Identity
| Metric | PlainsCapital Bank | BancFirst |
|---|---|---|
| Headquarters City | University Park | Oklahoma City |
| Headquarters State | TX | OK |
| Asset Tier | $10B to $100B in assets | $10B to $100B in assets |
| Regulator | FED | FED |
| Domestic Branches | 57 | 123 |
| Employees (FTE) | 2,290 | 2,032 |
| Established | September 15, 1955 | April 1, 1989 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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