Arlington, TX · Cert 57414 · Bancfirst Corp.
State charter, Fed member · FED · 2 affiliate banks · 5 branches (124 in holding)
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #69 of 166 inst. · $0.6B of $732.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.79% | 0.78% | 1.12% | 1.33% | 1.58% | 1.19% | 1.12% | 0 bps | |
| Return on Equity | 8.12% | 9.56% | 9.42% | 12.85% | 14.38% | 16.77% | 12.61% | 11.85% | -100 bps | |
| Net Interest Margin | 3.22% | 3.46% | 3.50% | 3.91% | 4.30% | 4.35% | 3.97% | 3.97% | +6 bps | |
| Efficiency Ratio | 74.33% | 69.68% | 69.77% | 61.92% | 59.47% | 57.90% | 59.50% | 60.85% | -107 bps | |
| Non-Interest Burden | 2.36% | 2.37% | 2.40% | 2.37% | 2.58% | 2.46% | 2.31% | 2.37% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.61% | 7.84% | 8.67% | -0.58% | 2.54% | -0.22% | 2.26% | 11.60% | +1,218 bps | |
| Loan Growth (YoY) | 14.21% | 8.33% | 8.15% | 7.37% | 9.31% | 7.78% | 6.38% | 3.42% | -395 bps | |
| Deposit Growth (YoY) | 9.45% | 11.85% | 13.46% | 1.50% | 1.89% | -1.55% | 1.06% | 11.13% | +963 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.11% | 0.08% | 0.32% | 0.16% | +16 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | +2 bps | |
| Allowance / Loans | 0.93% | 0.93% | 0.94% | 0.95% | 0.95% | 0.95% | 1.00% | 1.05% | +11 bps | |
| Allowance Coverage of NPLs | 91.0x | 161.8x | 333.8x | 910.0x | 8.9x | 12.2x | 3.1x | 6.6x | -903.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.59% | 8.41% | 8.51% | 8.75% | 9.41% | 9.59% | 9.41% | 9.31% | +56 bps | |
| Total Risk-Based Capital | 12.27% | 12.12% | 12.10% | 12.10% | 12.66% | 13.01% | 13.26% | 13.61% | +151 bps | |
| Equity / Assets | 8.33% | 8.30% | 8.21% | 9.22% | 9.24% | 9.63% | 9.34% | 9.58% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.87% | 81.19% | 79.64% | 90.49% | 87.83% | 88.89% | 83.84% | 84.21% | -628 bps | |
| Liquid Assets / Assets | 10.68% | 14.27% | 16.15% | 8.24% | 13.08% | 14.17% | 19.02% | 21.12% | +1,288 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 479% | 464% | 462% | n/a | n/a | |