BancFirst
Oklahoma City, Oklahoma, Oklahoma County
$12.8B in total assets, the 142nd largest of 4,309 US banks and 4th of 171 headquartered in Oklahoma.
- FDIC certificate
- 27476
- Established
- 1989
- Owned by
- Bancfirst Corp
- Primary regulator
- FED
- Website
- www.bancfirst.bank
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $12.8B | 17% | $22.5B | |
| Loans | $7.2B | 9% | $14.5B | |
| Deposits | $11.2B | 22% | $18.4B | |
| Return on assets | 1.79% | 86% | 1.29% | |
| Net interest margin | 3.77% | 58% | 3.61% | |
| Efficiency ratio | 50.2% | 33% | 55.2% | |
| Equity to assets | 11.22% | 44% | 11.60% | |
| Loans to deposits | 65% | 9% | 87% |
Growth
Total assets grew 5.2% a year over the last 5 years and 6.7% a year over 10 years, including 5 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2026 | American Bank of Oklahoma Collinsville, OK, an affiliate under the same holding company | $395M |
| May 2021 | The First National Bank and Trust Company of Vinita Vinita, OK | $298M |
| Mar 2020 | The Citizens State Bank Okemah, OK | $59M |
| Sep 2018 | First Bank of Chandler Chandler, OK, an affiliate under the same holding company | $92M |
| Feb 2018 | First Bank & Trust Company Wagoner, OK | $287M |
| Nov 2015 | Bank of Commerce Yukon, OK | $196M |
| Jan 2014 | The Bank of Union El Reno, OK | $317M |
| Feb 2012 | 1st Bank Oklahoma Claremore, OK, an affiliate under the same holding company | $189M |
| Oct 2011 | The Okemah National Bank Okemah, OK, an affiliate under the same holding company | $70M |
| Jun 2011 | Exchange National Bank of Moore Moore, OK, an affiliate under the same holding company | $156M |
| Nov 2010 | Union Bank of Chandler Chandler, OK | $132M |
| Mar 2010 | First State Bank, Jones, Oklahoma Jones, OK, an affiliate under the same holding company | $42M |
| Dec 2006 | First Bartlesville Bank Bartlesville, OK, an affiliate under the same holding company | $45M |
| Feb 2006 | Park State Bank Nicoma Park, OK, an affiliate under the same holding company | $46M |
| Feb 2004 | Lincoln National Bank Oklahoma City, OK, an affiliate under the same holding company | $110M |
| Sep 2001 | First Southwest Bank Frederick, OK, an affiliate under the same holding company | $130M |
| Nov 2000 | First State Bank Oklahoma City, OK, an affiliate under the same holding company | $103M |
| Mar 1999 | Kingfisher Bank and Trust Co. Kingfisher, OK, an affiliate under the same holding company | $95M |
| Nov 1998 | Amquest Bank, National Association Lawton, OK | $336M |
| Oct 1998 | Exchange National Bank and Trust Company Ardmore, OK | $188M |
| Aug 1998 | The Security Bank & Trust Company Lawton, OK, an affiliate under the same holding company | $89M |
| Oct 1996 | The Bank of Commerce Mcloud, OK | $18M |
| Mar 1996 | City Bank & Trust Oklahoma City, OK | $149M |
| Dec 1995 | Bank of Johnston County Tishomingo, OK | $10M |
| Mar 1995 | The State National Bank of Marlow Marlow, OK | $102M |
| Mar 1994 | First City Bank Tulsa, OK | $37M |
| Jan 1994 | Security Bank Coweta, OK | $23M |
| Jan 1994 | First American Bank Stratford, OK | $15M |
| Jan 1994 | United Community Bank Weatherford, OK | $34M |
| Feb 1993 | United Bank & Trust Company of Norman Norman, OK | $37M |
| Sep 1992 | The First State Bank Stroud, OK | $15M |
| Aug 1989 | The Liberty State Bank of Tahlequah, Oklahoma Tahlequah, OK | $41M |
| Apr 1989 | Oklahoma State Bank Konawa, OK, an affiliate under the same holding company | $20M |
| Apr 1989 | The First National Bank of Guthrie Guthrie, OK, an affiliate under the same holding company | $42M |
| Apr 1989 | The First National Bank of Prague Prague, OK, an affiliate under the same holding company | $39M |
| Apr 1989 | The First National Bank of Seminole Seminole, OK, an affiliate under the same holding company | $38M |
| Apr 1989 | The Federal National Bank & Trust Company of Shawnee Shawnee, OK, an affiliate under the same holding company | $223M |
| Apr 1989 | The First National Bank and Trust Company of Stillwater Stillwater, OK | $110M |
| Apr 1989 | First-Oklahoma Bank & Trust Company Sulphur, OK, an affiliate under the same holding company | $30M |
| Apr 1989 | The First National Bank in Madill Madill, OK, an affiliate under the same holding company | $32M |
| Apr 1989 | Citizens State Bank Hugo, OK, an affiliate under the same holding company | $28M |
| Apr 1989 | First Bank and Trust Company Sand Springs, OK, an affiliate under the same holding company | $49M |
| Apr 1989 | American Bank of Commerce Mcalester, OK, an affiliate under the same holding company | $41M |
| Apr 1989 | City Bank Muskogee, OK, an affiliate under the same holding company | $33M |
Where they operate
116 branches in 33 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Oklahoma County, OK | $3.0B | 6.4% | 5 of 60 |
| Tulsa County, OK | $1.2B | 3.6% | 7 of 52 |
| Cleveland County, OK | $799M | 12.9% | 2 of 28 |
| Canadian County, OK | $578M | 19.2% | 2 of 18 |
| Lincoln County, OK | $541M | 67.9% | 1 of 5 |
| Pottawatomie County, OK | $496M | 26.6% | 2 of 10 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 10 branches since 2016 (106 to 116, +9.4%). 5 opened, 16 acquired, 11 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 106 | |||
| 2016 | Closed Chattanooga | 0 | 1 | −1 | 105 |
| 2018 | Acquired First Bank of Chandler and First Bank & Trust CompanyOpened Midwest City | 9 | 0 | +9 | 114 |
| 2019 | Opened EdmondClosed Prague | 1 | 1 | 0 | 114 |
| 2020 | Acquired The Citizens State BankClosed Muskogee and Okemah | 2 | 2 | 0 | 114 |
| 2021 | Acquired The First National Bank and Trust Company of VinitaSold 1 branch to Ameristate Bank, opened Oklahoma City | 3 | 1 | +2 | 116 |
| 2022 | Closed Tulsa | 0 | 1 | −1 | 115 |
| 2023 | Closed Lawton and Luther | 0 | 2 | −2 | 113 |
| 2024 | Opened NormanClosed 3 in Oklahoma | 1 | 3 | −2 | 111 |
| 2026 through Q2 | Acquired American Bank of OklahomaOpened Oklahoma City | 5 | 0 | +5 | 116 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 29% | 25% | |
| 1-4 family residential | 23% | 21% | |
| Business (C&I) | 19% | 17% | |
| Construction and land | 10% | 6% | |
| Consumer | 7% | 10% | |
| Multifamily | 5% | 8% | |
| Farmland | 4% | 1% | |
| Agricultural | 2% | 0% | |
| Other | 1% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 54% | 62% | |
| Noninterest-bearing | 32% | 20% | |
| Time deposits | 14% | 18% |
Brokered deposits are 0.0% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.05% | 0.63% |
| Net charge-offs, annualized | 0.11% | 0.14% |
| Reserves to loans | 1.27% | 1.14% |
| Leverage ratio | 10.63% | 10.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Oklahoma
Largest competitors in Oklahoma County, OK
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/bancfirst