TellerScore

BancFirst (FDIC certificate #27476) is based in Oklahoma City, Oklahoma. Its Q2 2026 call report shows $12.8B in total assets and $11.2B in deposits and 120 offices.

Based on its Q2 2026 filing, BancFirst scores 71/100, which we describe as strong. That is higher than 76% of 132 banks with $10 billion – $100 billion. Among 170 banks headquartered in Oklahoma, it ranks 74th. Its strongest component is earnings (90/100; 1.75%), and its lowest is capital cushion (56/100; 10.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.63%
Loan quality60/100
Noncurrent loans ÷ total loans: 1.19%
Earnings90/100
Return on assets (annualized): 1.75%
Funding & liquidity83/100
Loans ÷ deposits and uninsured-deposit share: 63.8% · 27.1% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.89%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (74 → 71), mostly because the loan quality component weakened by 13 points.

TellerScore
717477Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202477
Q3 202477
Q4 202475
Q1 202575
Q2 202574
Q3 202573
Q4 202575
Q1 202673
Q2 202671
Tier 1 leverage ratio
5.00%7.87%10.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.69%
Q3 202410.52%
Q4 202410.29%
Q1 202510.36%
Q2 202510.46%
Q3 202510.62%
Q4 202510.74%
Q1 202610.49%
Q2 202610.63%
Noncurrent loans
0.42%0.81%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.43%
Q3 20240.42%
Q4 20240.66%
Q1 20250.60%
Q2 20250.82%
Q3 20250.91%
Q4 20250.87%
Q1 20260.94%
Q2 20261.19%
Return on assets
1.68%1.73%1.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.68%
Q3 20241.72%
Q4 20241.76%
Q1 20251.70%
Q2 20251.76%
Q3 20251.76%
Q4 20251.79%
Q1 20261.68%
Q2 20261.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$12.8B10.63%1.19%1.75%63.8%
Q1 202673$12.8B10.49%0.94%1.68%63.0%
Q4 202575$12.1B10.74%0.87%1.79%64.1%
Q3 202573$11.9B10.62%0.91%1.76%65.5%
Q2 202574$11.9B10.46%0.82%1.76%64.1%
Q1 202575$11.8B10.36%0.60%1.70%64.0%
Q4 202475$11.4B10.29%0.66%1.76%65.3%
Q3 202477$11.1B10.52%0.42%1.72%69.5%
Q2 202477$10.7B10.69%0.43%1.68%70.9%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.63%
63rd
Total risk-based capital18.56%
89th
Problem loans1.19%
17th
Net charge-offs0.11%
53rd
Return on assets1.75%
82nd
Net interest margin3.77%
60th
Efficiency ratio50.2%
63rd
Loans to deposits63.8%
90th
Uninsured deposits27.1%
76th
Loan-loss reserves1.27%
68th
Texas ratio6.9%
22nd

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
First United Bank and Trust CompanyBank Durant, OK50 out of 100, Below average$16.6B9.8%1.69%vs
MidFirst BankBank Oklahoma City, OK34 out of 100, Low$42.8B9.0%18.31%vs
BOKF, National AssociationBank Tulsa, OK64 out of 100, Moderate$53.0B9.3%0.54%vs

Deposit insurance

Is my money safe at BancFirst?

Yes. BancFirst is an FDIC-insured institution (FDIC certificate #27476). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.1% of deposits ($3.0B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.63%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.56% (benchmark: 10%).

Check how much of your own balance is covered

120 locations

Branches

BancFirst lists 94 offices in 62 cities. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 55 consumer complaints about BANCFIRST CORPORATION to the company (27 in the last 12 months). 100.0% received a timely response. That is 4.9 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

HMDA 2025

Mortgage lending

In 2025, BancFirst reported 4,838 home-loan applications under HMDA (LEI 549300MNZECUR067HB12): 3,819 originated ($624,255,000 total), 482 denied, and 100 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
BancFirst
Type
State-chartered bank (Fed member)
FDIC certificate #
27476
RSSD ID
1386251
Primary regulator
FED
Holding company
Bancfirst Corp
Established
April 1, 1989
Headquarters
100 N Broadway Ave, Oklahoma City, OK 73102
Employees
2,032

Quick answers

BancFirst: common questions

Is BancFirst FDIC insured?

Yes. BancFirst is an FDIC-insured institution (FDIC certificate #27476). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is BancFirst's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has BancFirst ever failed?

There is no failure record for FDIC certificate #27476 in the FDIC failed bank list.

How many branches does BancFirst have?

120 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Oklahoma City

InstitutionScoreAssetsCapitalProblem loansCompare
Oklahoma Federal Credit UnionCredit union Oklahoma City, OK91 out of 100, Very strong$198.9M20.2%0.24%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK85 out of 100, Very strong$213.5M16.3%0.20%vs
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs