Oklahoma City, OK · Cert 27476 · Bancfirst Corp.
State charter, Fed member · FED · 2 affiliate banks · 116 branches (124 in holding)
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 8.3% share · #4 of 71 inst. · $5.1B of $60.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.72% | 1.76% | 1.70% | 1.76% | 1.76% | 1.79% | 1.70% | 1.77% | +1 bps | |
| Return on Equity | 15.87% | 16.32% | 16.02% | 16.43% | 16.24% | 16.40% | 15.35% | 15.89% | -53 bps | |
| Net Interest Margin | 3.44% | 3.37% | 3.41% | 3.41% | 3.44% | 3.40% | 3.44% | 3.47% | +5 bps | |
| Efficiency Ratio | 52.50% | 52.28% | 51.28% | 50.64% | 50.69% | 51.08% | 51.83% | 50.19% | -46 bps | |
| Non-Interest Burden | 1.17% | 1.15% | 1.16% | 1.13% | 1.15% | 1.14% | 1.23% | 1.14% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.42% | 8.89% | 10.45% | 10.57% | 6.93% | 6.26% | 8.83% | 8.01% | -255 bps | |
| Loan Growth (YoY) | 8.56% | 3.30% | 2.42% | -0.31% | 0.28% | 2.87% | 6.31% | 7.08% | +739 bps | |
| Deposit Growth (YoY) | 8.16% | 9.44% | 10.74% | 10.39% | 6.40% | 4.90% | 7.94% | 7.44% | -295 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.42% | 0.66% | 0.60% | 0.82% | 0.91% | 0.87% | 0.94% | 1.19% | +37 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.09% | 0.03% | 0.04% | 0.06% | 0.07% | 0.09% | 0.11% | +6 bps | |
| Allowance / Loans | 1.24% | 1.24% | 1.24% | 1.23% | 1.24% | 1.18% | 1.25% | 1.27% | +4 bps | |
| Allowance Coverage of NPLs | 3.0x | 1.9x | 2.1x | 1.5x | 1.4x | 1.4x | 1.3x | 1.1x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.52% | 10.29% | 10.36% | 10.46% | 10.62% | 10.74% | 10.49% | 10.63% | +17 bps | |
| Total Risk-Based Capital | 16.12% | 16.81% | 17.42% | 17.86% | 18.15% | 18.48% | 18.01% | 18.56% | +70 bps | |
| Equity / Assets | 10.88% | 10.59% | 10.61% | 10.87% | 11.18% | 11.27% | 10.91% | 11.22% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.38% | 66.16% | 64.80% | 64.87% | 66.33% | 64.88% | 63.82% | 64.65% | -21 bps | |
| Liquid Assets / Assets | 20.47% | 25.64% | 27.22% | 27.89% | 27.74% | 29.87% | 30.63% | 28.45% | +56 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 230% | 227% | 233% | n/a | n/a | |