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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

5.63%Q2 ’245.39%Q2 ’255.17%Q2 ’26-1%+2%

Non-interest income vs. expense

2.63%Q2 ’242.38%Q2 ’252.35%Q2 ’26-8%-5%

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 1.82%, up 1 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 1.19% of loans (+37 bps YoY), with net charge-offs at 0.13%.
  • 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 (quarter, annualized)

1.82%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.54%+5 bps YoY

Efficiency Ratio (quarter, annualized)

48.64%-139 bps YoY

Tier 1 Leverage Ratio

10.63%+17 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.81%1.75%1.89%1.70%1.82%+1 bps
Return on Equity16.82%15.88%16.85%15.35%16.43%-38 bps
Net Interest Margin3.49%3.56%3.48%3.44%3.54%+5 bps
Efficiency Ratio50.04%50.79%52.18%51.83%48.64%-139 bps
Non-Interest Burden1.13%1.20%1.18%1.23%1.07%-5 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 / Loans0.06%0.10%0.09%0.09%0.13%+7 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