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Bancfirst

Oklahoma City, OK · Cert 27476 · Bancfirst Corp.

State charter, Fed member · FED · 116 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

74

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

7

Q2 2024Q2 2026peer median

Efficiency

72

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bancfirst

Oklahoma City, OK · Cert 27476 · Bancfirst Corp.

State charter, Fed member · FED · 2 affiliate banks · 116 branches (124 in holding)

Q2 2026

$12.8BAssets
$7.2BLoans
$11.2BDeposits
$1.4BEquity
Loan mix
73%RE $5.0B20%C&I $1.4B7%Consumer $0.5BQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $7.6B32%Noninterest $3.6BQ2 2025Q2 2026

NIM

5.52%Q2 ’245.31%Q2 ’255.10%Q2 ’26-1%+2%

Non-interest income vs. expense

2.57%Q2 ’242.35%Q2 ’252.36%Q2 ’26-6%+1%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 8.3% share · #4 of 71 inst. · $5.1B of $60.8B

6.4% Oklahoma
3.6% Tulsa
12.9% Cleveland
19.2% Canadian

Executive Summary

  • Earnings: ROA of 1.77%, up 1 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 1.19% of loans (+37 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 10.63%, up 17 bps from a year ago.
  • Funding: loans stand at 64.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.77%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.47%+5 bps YoY

Efficiency Ratio (YTD, annualized)

50.19%-46 bps YoY

Tier 1 Leverage Ratio

10.63%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.76%1.76%1.79%1.70%1.77%+1 bps
Return on Equity16.43%16.24%16.40%15.35%15.89%-53 bps
Net Interest Margin3.41%3.44%3.40%3.44%3.47%+5 bps
Efficiency Ratio50.64%50.69%51.08%51.83%50.19%-46 bps
Non-Interest Burden1.13%1.15%1.14%1.23%1.14%+1 bps
Growth
Asset Growth (YoY)10.57%6.93%6.26%8.83%8.01%-255 bps
Loan Growth (YoY)-0.31%0.28%2.87%6.31%7.08%+739 bps
Deposit Growth (YoY)10.39%6.40%4.90%7.94%7.44%-295 bps
Asset Quality
Nonperforming Loans / Loans0.82%0.91%0.87%0.94%1.19%+37 bps
Net Charge-Offs / Loans0.04%0.06%0.07%0.09%0.11%+6 bps
Allowance / Loans1.23%1.24%1.18%1.25%1.27%+4 bps
Allowance Coverage of NPLs1.5x1.4x1.4x1.3x1.1x-0.4x
Capital
Tier 1 Leverage Ratio10.46%10.62%10.74%10.49%10.63%+17 bps
Total Risk-Based Capital17.86%18.15%18.48%18.01%18.56%+70 bps
Equity / Assets10.87%11.18%11.27%10.91%11.22%+35 bps
Liquidity & Funding
Loans / Deposits64.87%66.33%64.88%63.82%64.65%-21 bps
Liquid Assets / Assets27.89%27.74%29.87%30.63%28.45%+56 bps
CRE / Total Capitaln/a230%227%233%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bancfirst

Oklahoma City, OK · Cert 27476 · Peer group: banks over $10B in assets (n=142-144) · Bancfirst Corp.

State charter, Fed member · FED · 2 affiliate banks · 116 branches (124 in holding)

Q2 2026

$12.8BAssets
$7.2BLoans
$11.2BDeposits
$1.4BEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 87% of banks over $10B in assets (rank 19 of 144).
  • Widest gap: nonperforming loans / loans trails 81% of banks over $10B in assets (rank 116 of 142).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.74%

Rank 25 of 144

Net Interest Margin

3.47%

Rank 58 of 144

Efficiency Ratio

50.57%

Rank 41 of 144

Equity / Assets

11.22%

Rank 77 of 144

Non-interest income vs. expense

$156.0M$302.3MINCOMEEXPENSE
Unfavorable gap of $146.4M · efficiency ratio beats 72% of banks over $10B in assets
Bank 50.57%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.74%1.00%1.26%1.54%Beats 83%25 / 144
Return on Equity15.48%8.98%11.34%14.40%Beats 81%28 / 144
Net Interest Margin3.47%2.82%3.31%3.68%Beats 60%58 / 144
Efficiency Ratio50.57%49.42%56.02%62.41%Beats 72%41 / 144
Asset Quality
Nonperforming Loans / Loans1.19%0.48%0.73%1.07%Beats 19%116 / 142
Net Charge-Offs / Loans0.06%0.05%0.11%0.22%Beats 68%46 / 142
Capital
Tier 1 Capital Ratio17.37%12.07%12.98%14.92%Beats 87%19 / 144
Total Risk-Based Capital Ratio18.56%13.39%14.14%16.25%Beats 87%19 / 144
Equity / Assets11.22%9.69%11.39%12.96%Beats 47%77 / 144
Liquidity & Funding
Loans / Deposits64.65%75.72%84.92%91.56%11th pctl127 / 143
Loans / Assets56.50%59.83%69.07%74.80%19th pctl117 / 144
Brokered Deposits / Depositsn/aNot reported for this institution