# BANCFIRST
OKLAHOMA CITY, OK · FDIC certificate 27476 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $12.80B | |
| Deposits | $11.19B | |
| Loans and leases | $7.24B | |
| Total equity | $1.44B | |
| Loans / deposits | 63.83% (p11 of band) | 85.78% |
| Liquid assets / assets | 38.19% (p86 of band) | |
| Uninsured deposits / deposits | 27.08% (p24 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.05% (p5 of band) | |
| FHLB advances / assets | 0.05% | |
| Tier 1 leverage | 10.63% (p62 of band) | 10.17% |
| Unrealized securities loss / equity | -0.65% (p91 of band) | -7.43% |
| AOCI / equity | 0.00% (p80 of band) | |
| ROA (annualized) | 1.75% (p82 of band) | 1.24% |
| Net interest margin | 3.77% (p60 of band) | 3.57% |
| Efficiency ratio | 50.19% (p37 of band) | |
| Noncurrent loans | 1.19% (p83 of band) | 0.66% |
| Net charge-offs (annualized) | 0.06% (p41 of band) | |
| Reserve coverage of noncurrent | 106.09% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 48.29% (p76 of band) | |
| Auto loans | $235.7M (3.26% of loans; DQ 1.42%, NCO 0.00%) | |
| Loans to nondepository financials | $3.1M (0% of equity) (p20 of band) | |
| Deposits YoY | 7.4% | |
| Employees | 2032 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 2 | charge-offs p90, uninsured deposits leaving | capital falling |
| 2021-03 | 0 |  | charge-offs p90, uninsured deposits leaving |
| 2021-06 | 2 | capital falling, charge-offs p90 |  |
| 2021-09 | 1 |  | charge-offs p90 |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-10 [BancFirst Corporation Announces Acquisition of SpiritBank - PR Newswire](https://news.google.com/rss/articles/CBMiswFBVV95cUxPTGdOSEhyYkJYZF9XMUlseDlyeHBEQ1R5MnFMa3NFR2xHdXFMX3NHQ0lrZlBUcnNVTWJ2TGQ2U2JxdEk0VFQyOEY5RF9wUG4zNzAydlB1Z2VXMU8xNFNMQmpnMFJhZTgzMUhNSHBia0FsWXMwamlHY2lldEZ1ZzEtbjNSVUZQQVUxNmZ5Zl9jODBlR1lCZWw4TUNSdGJlbDhELW11cW1qNHIzbk5oMWtzbzBzNA?oc=5) · PR Newswire
- 2026-06-12 [Oklahoma’s BancFirst to buy SpiritBank, boost Tulsa presence - Banking Dive](https://news.google.com/rss/articles/CBMilwFBVV95cUxONWxxZFlaWlVQaUVvM3g2VHF2T21rdW9iUk83RVFmNGgxZEFHZHR6VWh4SHJvbFlaa09UeXpVTTM3bWV0QTVkUDJpQTVISnBsWm1PR2NvT3VUWXhwZjQ4UWVtZXA4RVV5Q1AzRk1rWHJ2c1lBOWJqbEh2eU8tVmxIb201aHhra1NHYXh2Z0dEM0JfYnJhOGZB?oc=5) · Banking Dive
- 2026-06-11 [BancFirst to bulk up in Tulsa by acquiring Oklahoma rival - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxQT1I0ODdUcVZTbDZDLUNxZl9zclVMcEZOMDdzYzRCeDVhUUlaREt1YmNaM0lIS1I5SUxNZDhPWmluYTlHTVYxR01TUElHYzFHM251VHFGazJ6UzE2dXlTVUZwMkp3a2ZvM1ptR2hCcDB3aUJDaDhwbVZIWldzY2RCRm9YWUI4anR3WTE3N3I4N080cFJZeFhMcQ?oc=5) · American Banker
- 2026-06-11 [BancFirst Corporation Announces Acquisition of SpiritBank - Sapulpa Times](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQSEhOQVZ1WU0ydVFiYzdrOURWb0EweENndUwzaXBtd2RMOTdvSDNHSDJPcUJNMVRDSkFRODMzc3dpQUVEMTRyaEdfUWE0a0I2YkoxSWs5UFUtTDZZV2p2QWJmVXNKWmpLc3M2RXZQbERDNmtCSEpQNjJ5alFwUEJ4Tm9fRXJydk5lU0hN?oc=5) · Sapulpa Times
- 2026-04-16 [BANCFIRST CORPORATION REPORTS FIRST QUARTER EARNINGS - PR Newswire](https://news.google.com/rss/articles/CBMirAFBVV95cUxPY1hHcHcxckpwaTBuZnYyQThkZHpkWE1GSGFFaEVFNkt5ZS1fcWJyUmRIS0pjUWxzVHRFcWN6STVFRDNDTGIzSncyMHdyVGJvTFRxdHdDZmpQMkZKOWx0aVdaRWczdVEyLXpnc1Y2eXJqV0ZGTmZQVW5Sc09ESlBQU0NRcmdqX2dWWElwaEVVeWlGN25qdjN1X1I2THpheE4teFZqYjhVclZBRWxQ?oc=5) · PR Newswire
- 2026-06-10 [Oklahoma’s BancFirst moves to acquire Tulsa-based SpiritBank - stocktitan.net](https://news.google.com/rss/articles/CBMirgFBVV95cUxOcngzMmV5Vjd1NG1MTk9KVFNIRVN5VHN1R2xYcGpNZ1l0WTRlTW5IdWxHckFMVUU5VWx3aXV0V0l5X2VhS1NVN1hNY3ZXTFBxbUdSd1p3VEtlRlhnWnNZTzRjUWlPSWZiLWlDMjEwY3ptN2xWSXZSNUxuWW5ZaGNYdjV3bTU4Qm56ekxIbk1oaW9kRnpKdnpuNTAwbEszckI0RWFHNFRyeWhXWFVmS2c?oc=5) · stocktitan.net
- 2022-09-23 ['Forbes' names BancFirst one of the best banks in the world - OKC Friday](https://news.google.com/rss/articles/CBMimAFBVV95cUxNb3RCS1Zlb2FPREpfLWppby14THUxVmM1MkdBc0kzbHFzQ2RjVlQ1RUZTQzZINTZOQnpiLU9rV2h4SEYwd1NCVEJUVFpva1JSaVFXNkdWWTdFcFBSVVI0eHQtYU04TV91VmpVanlfdTl1YXVLemdfRkxiMllUMmF6b25nNTVscFRNRmtSWEVXT3lGTjJSV01WRA?oc=5) · OKC Friday
- 2025-11-17 [BancFirst acquires American Bank of Oklahoma, adding $328M in deposits - stocktitan.net](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZmNTbEJ6dENwVnR4UThWaUJsMGpuMHNORjRmNFFsZF9PR1V1Yzh1NEE4VUFQMzdIaW51UUtEV1FwZ0xEZE12MXdSMUt0ZXk1UzdQc3ZGRjRtamxkME8tbVBlZmhhelpuSHVGNklXZWJ2bTRkRjF5X0FxYkdnS1YxSTY5LTJPc3UyOVh4T2NQUzRJdUd4TnJtQ2F5QUYtWlR3c1JxbnlZZVhkQQ?oc=5) · stocktitan.net

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27476 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/20.json (key "27476", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide