Total Assets
$12.1B
Total balance-sheet footings
FDIC Cert #27476 · Oklahoma City, Oklahoma · Est. 1989
BancFirst - FDIC Bank Health Profile
A community-scale look at BancFirst's own numbers, pulled straight from its quarterly FDIC Call Report.
- $12.1B
- Total assets
- A
- Health grade · Excellent
- 1.79%
- Return on assets
- 17.1%
- Tier 1 capital
Data updated July 2026
The verdict
BancFirst earns a PlainBankData health grade of A (97/100), with well-capitalized at 17.11% Tier 1, profitable at 1.79% ROA, efficient (51% cost ratio).
- #143
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 17.11%
- Tier 1 ratio - above the 10% well-capitalized line
- 85th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How BancFirst's 97/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
BancFirst's composite health score
Tier 1 Capital Ratio (17.11%) 40/40
Return on Assets (ROA) (1.79%) 25/25
Texas Ratio (4.11%) 20/20
Efficiency Ratio (51.08%) 12/15
97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$10.6B
Customer-funded liabilities
Net Loans
$6.8B
Outstanding loan book
Net Income
$211M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where BancFirst ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. BancFirst's score of 97/100 falls in the highlighted band.
BancFirst's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). BancFirst's $12.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.11% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.11%
Texas Ratio
4.11%
Equity Capital
$1.4B
Profitability metrics
Return on Assets (ROA)
85th percentile nationally
1.79%
Return on Equity (ROE)
16.40%
Efficiency Ratio
51.08%
What the numbers say about BancFirst
BancFirst is an FDIC-insured institution (Certificate #27476) headquartered in Oklahoma City, Oklahoma, established in 1989. It holds $12.1B in total assets - 143rd of 4,313 FDIC-insured banks, $10.6B in customer deposits, and $6.8B in net loans. Its capital position: a Tier 1 ratio of 17.11%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 4.11% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (97 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, BancFirst sits in the top decile of all FDIC-insured institutions by asset size (143rd of 4,313), and within Oklahoma it ranks 4th of 172 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is InterBank, at $5.5B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$637M
Interest Income
$149M
Non-Interest Income
$287M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. BancFirst reports a Texas Ratio of 4.11% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.11% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oklahoma by total assets
National size peers: banks closest to BancFirst by assets
Measured strictly by total assets rather than geography, BancFirst's closest national peers include First Commonwealth Bank, First Foundation Bank, Oriental Bank, Farmers and Merchants Bank of Long Be…, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Oklahoma. Averaged across this asset-matched cohort, return on assets runs 0.80% (BancFirst is above that at 1.79%), the efficiency ratio averages 60.18% (BancFirst runs leaner at 51.08%), and Tier 1 capital averages 15.35% (BancFirst holds more at 17.11%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $12.1B in assets, BancFirst has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| BancFirst (this bank) | OK | $12.1B | 1.79% | 51.08% | 17.11% |
| First Commonwealth Bank | PA | $12.3B | 1.33% | 54.10% | 11.69% |
| First Foundation Bank | CA | $11.9B | -1.10% | 97.13% | 13.97% |
| Oriental Bank | PR | $12.4B | 1.59% | 52.92% | 13.44% |
| Farmers and Merchants Bank of Long Beach | CA | $11.8B | 0.59% | 68.39% | 18.84% |
| Safra National Bank of New York | NY | $12.5B | 0.92% | 64.01% | 22.33% |
| Stifel Bank | MO | $11.7B | 1.49% | 24.50% | 11.84% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) BancFirst (FDIC Cert #27476) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |
| Armstrong BankMuskogee | $2.7B | A | 1.25% |
Frequently asked questions
What is BancFirst's health grade?▼
BancFirst receives a health grade of A (97/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is BancFirst?▼
BancFirst holds $12.1B in total assets and $10.6B in deposits, ranking 143rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Oklahoma City, Oklahoma.
Is my money safe at BancFirst?▼
Yes, deposits at BancFirst (Certificate #27476) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is BancFirst's Tier 1 Capital Ratio?▼
BancFirst has a Tier 1 Capital Ratio of 17.11%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for BancFirst?▼
BancFirst has a Texas Ratio of 4.11%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is BancFirst?▼
BancFirst has an Efficiency Ratio of 51.08%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read BancFirst's profile as a depositor or analyst.
- BancFirst's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare BancFirst against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.