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 (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 | 1.33% | 1.42% | 1.62% | 1.65% | 1.64% | 1.62% | 1.49% | 1.60% | -5 bps | |
| Return on Equity | 13.31% | 14.02% | 15.57% | 15.86% | 15.87% | 15.62% | 13.78% | 14.58% | -128 bps | |
| Net Interest Margin | 3.48% | 3.50% | 3.66% | 3.57% | 3.47% | 3.26% | 3.43% | 3.58% | +1 bps | |
| Efficiency Ratio | 45.14% | 45.06% | 44.35% | 43.73% | 42.98% | 43.35% | 45.31% | 42.75% | -97 bps | |
| Non-Interest Burden | 1.49% | 1.50% | 1.51% | 1.45% | 1.39% | 1.32% | 1.45% | 1.43% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.96% | 11.32% | 15.62% | 9.76% | 6.99% | 14.23% | 3.14% | 2.80% | -696 bps | |
| Loan Growth (YoY) | 12.16% | 10.39% | 9.39% | 6.95% | 6.61% | 6.85% | 6.55% | 4.05% | -289 bps | |
| Deposit Growth (YoY) | 16.87% | 10.99% | 15.47% | 9.21% | 5.04% | 12.92% | 0.67% | 0.48% | -872 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.09% | 1.10% | 1.11% | 1.12% | 1.12% | 1.15% | 1.17% | 1.22% | +10 bps | |
| Allowance Coverage of NPLs | 78.4x | 80.9x | 81.7x | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.55% | 10.75% | 11.11% | 10.78% | 10.68% | 10.23% | 11.27% | 11.41% | +63 bps | |
| Total Risk-Based Capital | 15.77% | 16.12% | 16.66% | 16.88% | 16.58% | 16.93% | 17.60% | 17.51% | +64 bps | |
| Equity / Assets | 9.57% | 10.57% | 10.21% | 10.48% | 10.09% | 10.50% | 11.20% | 11.32% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.17% | 73.70% | 68.54% | 70.14% | 68.17% | 69.74% | 72.54% | 72.63% | +249 bps | |
| Liquid Assets / Assets | 28.54% | 22.58% | 27.83% | 27.02% | 31.22% | 30.53% | 26.92% | 27.38% | +36 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 261% | 258% | 247% | n/a | n/a | |