← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Oklahoma, the state note

Bancfirst

Oklahoma City, Oklahoma · $12.80B in assets · beside the 11 other the Southwest banks over $10B (the state alone holds too few in the band to rank)

The filing

+7.1%
Loans, year over year
3rd of 11, largest first
64.7%
Loans / deposits
4th of 12
1.1x
Coverage of noncurrent
4th of 10

Bancfirst is the seventh largest of the 12 the Southwest banks nearest its size over $10B, with $12.80B in assets at 30 June 2026. Loans are 64.7% of deposits, 4th of 12 against a median of 84.7%, and equity is 11.2% of assets, 5th of 12. Loans grew +7.1% in the year, 3rd of 11, and deposits grew 7.4%; the cohort's median loan growth is +3.8%.

Noncurrent loans are 1.19% of the book, 6th of 11 against a median of 1.19%; 0.38% is 30 to 89 days past due, and the allowance covers them 1.1 times. Net charge-offs are 0.11% of loans, 6th of 11. Commercial real estate is 32.1% of loans, 6th of 11 against a median of 32.1%, and 160% of capital, below the 300% screen, with construction at 48% against the 100% screen.

Return on assets is 1.73%, 5th of 12 against a median of 1.30%, on an efficiency ratio of 50.6%, 6th of 12. Five years ago it was 1.74%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsSouthwest banks over $10B · 30 June 2026 · lower is stronger, listed first
median 84.7% CS Charles Schwab Trust Bank 0.0% CS Charles Schwab Premier Bank SS 0.0% FF First Financial Bank 62.9% B Bancfirst 64.7% AN Amarillo National Bank 78.7% N Nexbank 84.5% TC Texas Capital Bank 84.9% SB Stellar Bank 86.0% SB Sunflower Bank National Association 86.9% PB Plainscapital Bank 87.0% FU First United Bank & Trust Co. 96.0% IB International Bank of Com 109.0%
Loans, year over yearSouthwest banks over $10B · 30 June 2026 · no better direction, largest first
median +3.8% SB Sunflower Bank National Association +77.5% IB International Bank of Com +10.3% B Bancfirst +7.1% PB Plainscapital Bank +6.9% TC Texas Capital Bank +4.3% AN Amarillo National Bank +3.8% FF First Financial Bank +3.2% SB Stellar Bank +3.1% FU First United Bank & Trust Co. +0.1% N Nexbank -2.2% CS Charles Schwab Premier Bank SS -100.0%

SBA 7(a), FY2008 to FY2026

Bancfirst is the 1st largest 7(a) lender into Oklahoma of 358, with $793M across 2,102 loans, 18.4% of everything approved in the state (Bancfirst leads with $793M). 41 of its 82 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Oklahoma, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Oklahoma, OK$318M1st of 17231.4%-3.9 pts
Tulsa, OK$112M2nd of 15910.0%-0.3 pts
Cleveland, OK$68M1st of 8831.7%-13.6 pts
Canadian, OK$31M1st of 6528.0%-0.9 pts
Pottawatomie, OK$25M1st of 2539.3%-4.7 pts
Comanche, OK$22M1st of 3534.4%-36.7 pts
Payne, OK$19M1st of 4727.6%-25.2 pts
Muskogee, OK$16M1st of 3619.8%-28.9 pts
Wagoner, OK$13M1st of 4032.3%-28.8 pts
Lincoln, OK$13M1st of 1455.8%+28.9 pts
Kingfisher, OK$12M1st of 1762.0%-89.8 pts
Rogers, OK$11M3rd of 4711.4%-4.2 pts
Okfuskee, OK$11M1st of 578.1%quiet FY2020
69 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services333$129M15.6%0.17%117th of 2,596
Construction281$128M15.5%0.40%42nd of 2,063
Manufacturing209$115M13.9%0.29%60th of 2,246
Retail trade272$89M10.8%0.15%120th of 2,589
Other services209$70M8.5%0.20%85th of 2,248
7(a) lenders into Oklahoma, share of approvals since FY2008358 lenders on record; the ten largest and Bancfirst
B Bancfirst 18.4% $793M · 2,102 loans FO First Oklahoma Bank 5.8% $251M · 291 loans LO Live Oak Banking Company 5.8% $250M · 177 loans AB Arvest Bank 5.0% $213M · 780 loans SB Security Bank 3.0% $130M · 261 loans FU First United Bank and Trust Compa… 2.6% $114M · 174 loans FP First Pryority Bank 2.0% $84M · 184 loans RB Regent Bank 1.7% $74M · 162 loans PB Peoples Bank and Trust Company 1.7% $73M · 59 loans GP Great Plains National Bank 1.6% $67M · 204 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
BancfirstRankCohort median
Total CRE against capital, the 300% screen160%7th of 12138%
Construction against capital, the 100% screen48%7th of 1237%
Construction and land development, share of loans9.6%6th of 119.6%
Non-owner-occupied nonfarm nonresidential, share of loans17.5%7th of 1110.2%
Total CRE, the guidance definition, share of loans32.1%6th of 1132.1%
CRE growth over 36 months, the third prong+30.6%8th of 10+5.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Texas Capital Bank$33.62B1.0%59.3%0.50%0.27%1.1%84.9%10.1%
Charles Schwab Premier Bank SS$26.58B1.5%14.9%0.00%0.00%0.0%0.0%7.9%
First United Bank & Trust Co.$16.59B0.9%71.5%1.69%0.06%1.0%96.0%9.7%
Sunflower Bank National Association$15.65B0.2%75.2%1.63%0.90%1.5%86.9%12.3%
First Financial Bank$15.23B1.7%44.9%0.77%-0.01%1.3%62.9%11.8%
Nexbank$14.16B1.1%50.8%1.47%0.06%0.4%84.5%8.4%
Bancfirst$12.80B1.7%50.6%1.19%0.11%1.3%64.7%11.2%
Plainscapital Bank$12.68B1.1%75.1%1.03%0.16%0.9%87.0%10.7%
Charles Schwab Trust Bank$10.51B2.0%25.4%no recordno recordno record0.0%7.7%
Stellar Bank$10.40B-0.6%96.3%0.69%0.14%1.1%86.0%15.2%
Amarillo National Bank$10.38B1.7%49.2%1.54%0.75%1.3%78.7%10.8%
International Bank of Com$10.19B2.7%36.5%2.21%0.03%1.6%109.0%20.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
BancfirstCohort median
20212026Change20212026Change
Loans$5.62B$7.24B+29%$5.49B$7.94B+45%
Deposits$8.93B$11.19B+25%$9.32B$11.12B+19%
NPA / loans0.61%1.19%+0.59 pts0.58%1.19%+0.61 pts
Efficiency54.9%50.6%-4.3 pts54.6%50.7%-3.9 pts
ROA1.74%1.73%-0.00 pts1.31%1.30%-0.01 pts

This read was prepared for Bancfirst's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bancfirst is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Southwest banks over $10B
Institution www.bancfirst.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue