Dallas, TX · Cert 58483 · Bancfirst Corp.
State charter, Fed member · FED · 2 affiliate banks · 3 branches (124 in holding)
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.2% share · #40 of 166 inst. · $1.3B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.66% | 1.64% | 1.54% | 1.49% | 1.72% | +6 bps | |
| Return on Equity | 16.05% | 16.00% | 14.99% | 13.78% | 15.25% | -80 bps | |
| Net Interest Margin | 3.60% | 3.60% | 3.43% | 3.43% | 3.64% | +4 bps | |
| Efficiency Ratio | 43.12% | 41.55% | 44.37% | 45.31% | 40.25% | -286 bps | |
| Non-Interest Burden | 1.43% | 1.41% | 1.43% | 1.45% | 1.37% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.76% | 6.99% | 14.23% | 3.14% | 2.80% | -696 bps | |
| Loan Growth (YoY) | 6.95% | 6.61% | 6.85% | 6.55% | 4.05% | -289 bps | |
| Deposit Growth (YoY) | 9.21% | 5.04% | 12.92% | 0.67% | 0.48% | -872 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.12% | 1.12% | 1.15% | 1.17% | 1.22% | +10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.78% | 10.68% | 10.23% | 11.27% | 11.41% | +63 bps | |
| Total Risk-Based Capital | 16.88% | 16.58% | 16.93% | 17.60% | 17.51% | +64 bps | |
| Equity / Assets | 10.48% | 10.09% | 10.50% | 11.20% | 11.32% | +85 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.14% | 68.17% | 69.74% | 72.54% | 72.63% | +249 bps | |
| Liquid Assets / Assets | 27.02% | 31.22% | 30.53% | 26.92% | 27.38% | +36 bps | |
| CRE / Total Capital | n/a | 261% | 258% | 247% | n/a | n/a | |