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BancFirst
Oklahoma City, OK·FDIC Cert #27476·Charter: STATE·Est. 19890401.0·HC: BANCFIRST CORP
Total Assets
$12.1B
Q4 2025
Return on Assets
1.79%
+0.03%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
51.08%
Peer avg: 55.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
67
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.79%+0.03
ROE
16.40%+0.16
Efficiency
51.08%+0.38
Equity/Assets
0.00%+0.00
NPL Ratio
0.88%-0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
64.12%-1.39
Charge-offs
0.07%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.7 | 1.7 | 1.7 | 1.8 | 1.7 | 1.8 | 1.8 | 1.8 |
| ROE | 15.8 | 15.5 | 15.9 | 16.3 | 16.0 | 16.4 | 16.2 | 16.4 |
| Efficiency | 53.0 | 53.2 | 52.5 | 52.3 | 51.3 | 50.6 | 50.7 | 51.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.4 | 0.7 | 0.6 | 0.8 | 0.9 | 0.9 |
| Charge-offs | 0.2 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.1 | 0.1 |
| Loan/Deposit | 69.2 | 70.9 | 69.5 | 65.3 | 64.0 | 64.1 | 65.5 | 64.1 |
Balance Sheet
Total Assets$12.1B
Total Deposits$10.6B
Total Loans$6.8B
Total Equity$1.4B
Profitability
ROA1.79%
ROE16.40%
Efficiency Ratio51.08%
Net Income$211.1M
Risk & Asset Quality
NPL Ratio0.88%
Charge-off Rate0.07%
Loan/Deposit64.12%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans