BancFirst: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at BancFirst. The Oklahoma City, Oklahoma bank had $12.8 billion in assets at June 30, 2026, up 8.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.05% of loans from 0.66% a year earlier. It holds common equity equal to 17.11% of its risk-weighted assets, higher than about three-quarters of the 127 banks with $10 billion to $100 billion in assets (median 12.98%). It also earns about $1.81 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.32).
The commercial and industrial book ($1.4 billion) is worsening: 3.07% of it is past due or on nonaccrual, up from 0.80% a year earlier.
As of June 30, 2026, BancFirst reported a CET1 capital ratio of 17.11%, a return on assets of 1.81%, a nonperforming-loan ratio of 1.20% and a Texas ratio of 6.61%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 100 N Broadway Ave, Oklahoma City, OK 73102
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 1, 1989
- Offices
- 120 domestic
- Employees (FTE)
- 2,032
- Domestic deposits
- $11.19B
- Allowance for credit losses
- $91.7M
- Net charge-offs (YTD)
- $3.9M
- Average total assets
- $12.83B
- Average total loans
- $7.17B
- Average interest-bearing deposits
- $7.64B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- April 1, 1989
- FDIC Cert
- 27476
- Fed RSSD
- 1386251
- SEC CIK
- 760498 → filed by BANCFIRST CORPORATION
- Website
- www.bancfirst.bank →
- Parent Holding Company
- BANCFIRST CORPORATION (RSSD 1133286) · BANF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Jason A Carroll | CRO | Chief Risk Officer |
| John K Slay Jr | CCO | Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full BancFirst terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock BancFirst, freeBancFirst rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into BancFirst
- American Bank of Oklahoma, effective February 13, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.11% | 1.81% | 1.20% | 6.61% | 3.79% |
| Q1 2026 | 16.59% | 1.68% | 0.91% | 4.70% | 3.66% |
| Q4 2025 | 17.11% | 1.87% | 0.88% | 3.94% | 3.69% |
| Q3 2025 | 16.73% | 1.74% | 0.93% | 4.14% | 3.78% |
| Q2 2025 | 16.45% | 1.81% | 0.96% | 3.88% | 3.71% |
| Q1 2025 | 16.01% | 1.70% | 0.73% | 2.85% | 3.61% |
| Q4 2024 | 15.42% | 1.87% | 0.78% | 3.21% | 3.68% |
| Q3 2024 | 14.74% | 1.80% | 0.44% | 2.41% | 3.79% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 116 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| BancFirst (main office) | Oklahoma City , OK | 73102 | $1.41B |
| 7625 East 51st Street Branch | Tulsa , OK | 74145 | $577.7M |
| Stillwater Branch | Stillwater , OK | 74074 | $491.4M |
| Federal Harrison Branch | Shawnee , OK | 74804 | $368.6M |
| 310 West Main Street Branch | Ardmore , OK | 73401 | $340.9M |
| Edmomd Bryant Branch | Edmond , OK | 73034 | $252.3M |
| Claremore Branch | Claremore , OK | 74017 | $247.5M |
| Muskogee Branch | Muskogee , OK | 74403 | $236.4M |
| Oklahoma City Branch | Oklahoma City , OK | 73118 | $236.0M |
| Kingfisher Branch | Kingfisher , OK | 73750 | $216.8M |
| Prague Branch | Prague , OK | 74864 | $212.7M |
| Norman Branch | Norman , OK | 73069 | $205.3M |
| South Penn Branch | Oklahoma City , OK | 73159 | $201.9M |
| Moore Branch 5th Street | Moore , OK | 73160 | $192.7M |
| El Reno Country Club Road Branch | El Reno , OK | 73036 | $189.4M |
| Chandler Branch | Chandler , OK | 74834 | $183.4M |
| Tahlequah Branch | Tahlequah , OK | 74464 | $172.3M |
| Sand Springs Branch | Sand Springs , OK | 74063 | $166.0M |
| Yukon South Cornwell Branch | Yukon , OK | 73099 | $162.2M |
| Vinita Mo Branch | Vinita , OK | 74301 | $159.5M |
| Mcalester Branch | Mcalester , OK | 74501 | $155.8M |
| Frederick North Main Branch | Frederick , OK | 73542 | $143.6M |
| Guthrie Branch | Guthrie , OK | 73044 | $139.3M |
| Marlow Branch | Marlow , OK | 73055 | $139.0M |
| Jenks Branch | Jenks , OK | 74037 | $136.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 13, 2026 | M&A | Acquired American Bank of Oklahoma merger for the acquired bank | SEC |
| February 13, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 13, 2026 | Structure Change | Acquired American Bank of Oklahoma Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 21, 2021 | Structure Change | Acquired The First National Bank and Trust Company of Vinita Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 21, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 21, 2021 | M&A | Acquired The First National Bank and Trust Company of Vinita merger for the acquired bank | SEC |
| March 6, 2020 | Structure Change | Acquired The Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 6, 2020 | M&A | Acquired The Citizens State Bank merger for the acquired bank | SEC |
| March 6, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 7, 2018 | M&A | Acquired First Bank of Chandler merger for the acquired bank | SEC |
| September 7, 2018 | Structure Change | Acquired First Bank of Chandler Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 7, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 16, 2018 | Structure Change | Acquired First Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 16, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 16, 2018 | M&A | Acquired First Bank & Trust Company merger for the acquired bank | SEC |
| November 13, 2015 | M&A | Acquired Bank of Commerce merger for the acquired bank | SEC |
| November 13, 2015 | Structure Change | Acquired Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 13, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 25, 2014 | Structure Change | Acquired The Bank of Union Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 25, 2014 | M&A | Acquired The Bank of Union failure_government_assistance_provided for the acquired bank | SEC |
| January 24, 2014 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 17, 2012 | Structure Change | Acquired 1st Bank Oklahoma Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 17, 2012 | M&A | Acquired 1st Bank Oklahoma merger for the acquired bank | SEC |
| February 17, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 21, 2011 | M&A | Acquired The Okemah National Bank merger for the acquired bank | SEC |
| October 21, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 21, 2011 | Structure Change | Acquired The Okemah National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 17, 2011 | Structure Change | Acquired Exchange National Bank of Moore Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 17, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 17, 2011 | M&A | Acquired Exchange National Bank of Moore merger for the acquired bank | SEC |
| November 11, 2010 | M&A | Acquired Union Bank of Chandler merger for the acquired bank | SEC |
| November 11, 2010 | Structure Change | Acquired Union Bank of Chandler Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 11, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 5, 2010 | Structure Change | Acquired First State Bank, Jones, Oklahoma Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 5, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 5, 2010 | M&A | Acquired First State Bank, Jones, Oklahoma merger for the acquired bank | SEC |
| December 8, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 8, 2006 | M&A | Acquired First Bartlesville Bank merger for the acquired bank | SEC |
| December 8, 2006 | Structure Change | Acquired First Bartlesville Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 24, 2006 | M&A | Acquired Park State Bank merger for the acquired bank | SEC |
| February 24, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 24, 2006 | Structure Change | Acquired Park State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 20, 2004 | Structure Change | Acquired Lincoln National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 20, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 20, 2004 | M&A | Acquired Lincoln National Bank merger for the acquired bank | SEC |
| September 14, 2001 | Structure Change | Acquired First Southwest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 14, 2001 | M&A | Acquired First Southwest Bank merger for the acquired bank | SEC |
| September 14, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 10, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 10, 2000 | M&A | Acquired First State Bank merger for the acquired bank | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 50 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for BancFirst, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action December 20, 1995. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 7.5% of deposits in OK, rank 3 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,837 applications, 3,819 loans originated, $624.3M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 78 loans, $31.1M approved, $398K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 26 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about BancFirst
What are BancFirst's total assets?
As of the Q2 2026 filing, BancFirst reported total assets of $12.80 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is BancFirst headquartered?
BancFirst is headquartered in Oklahoma City, OK, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was BancFirst founded?
BancFirst was established in 1989, per the FDIC institution directory.
Is BancFirst FDIC-insured?
Yes. BancFirst is an FDIC-insured commercial bank (FDIC Certificate #27476). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BancFirst?
BancFirst's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is BancFirst's CET1 capital ratio?
BancFirst reported a Common Equity Tier 1 (CET1) capital ratio of 17.11% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does BancFirst operate?
BancFirst operates 120 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BancFirst's Texas Ratio?
BancFirst's Texas Ratio is 6.61% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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