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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 27476 · OK A · 97/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (97/100)
  • TOP-DECILE #157/4307
  • PHOTO-FINISH Burling Bank · IL
  • TIER1-WELL 17.1% Tier 1
  • TEXAS-CLEAN 4.1% Texas
  • ROA-STRONG 1.79% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: Burling Bank, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around BancFirst

Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100BancFirst · OK · this bank97/100Burling Bank · IL · near97/100Citizens Bank & Trus… · GA ·…97/100Peoples Independent… · AL · …97/100Sumitomo Mitsui Trus… · NJ ·…97/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around BancFirst · July 2026

What BancFirst's Call Report plate shows

BancFirst (FDIC Cert #27476) carries a PlainBankData health grade of A at 97/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #157 of 4,307. Tier 1 capital prints at 17.11%, clearing the 10% well-capitalized line. The Texas Ratio is 4.11%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.79%. Balance-sheet scale is $12.1B, 143rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Burling Bank (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around BancFirst

8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)

BancFirst's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; BancFirst remains an active FDIC-insured reporter.

  • FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
  • THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
  • THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.

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.

0/100100/100National avg77/10097/100
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 Assets

$12.1B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.71% 17.11% 18.51%
Basel III capital ratios - BancFirst

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

97 Top 4% higher than 96% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. BancFirst 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for BancFirst

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

What these ratios mean →

Earnings posture at BancFirst

Return on Assets (ROA)
85th percentile nationally
1.79%
Return on Equity (ROE)
16.40%
Efficiency Ratio
51.08%

What these mean →

Income & expense at BancFirst

$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.

FDIC Failed Bank List → View BancFirst on FDIC BankFind →

Top banks in Oklahoma by total assets

Largest banks headquartered in Oklahoma
  1. 1
    BOKF $52.0B

    Tulsa, OK · Grade A

  2. 2
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  3. 3
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    InterBank $5.5B

    Oklahoma City, OK · Grade B

Top 5 banks in Oklahoma ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to BancFirst nationally by total assets
  1. 1
    First Commonwealth Bank $12.3B

    Indiana, PA · Grade B

  2. 2
    First Foundation Bank $11.9B

    Irvine, CA · Grade C

  3. 3
    Oriental Bank $12.4B

    San Juan, PR · Grade A

  4. 4
    Farmers and Merchants Bank of Long Be… $11.8B

    Long Beach, CA · Grade A

  5. 5
    Safra National Bank of New York $12.5B

    New York, NY · Grade A

  6. 6
    Stifel Bank $11.7B

    Saint Louis, MO · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($12.1B here), outside Oklahoma so the neighborhood is not state containment.

First Commonwealth Bank $12.3B · PA First Foundation Bank $11.9B · CA Oriental Bank $12.4B · PR Farmers and Merchants Bank of Long Be… $11.8B · CA

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.

BancFirst Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oklahoma

All Oklahoma banks →
BankAssetsGradeROA
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%