BancFirst

Headquarters

100 N Broadway Ave
Oklahoma City, OK 73102
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.50% 1.02% →
1-Year CD 0.25% 2.15% →
2-Year CD 0.25% 2.81% →
5-Year CD 0.30% 3.05% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

BancFirst is an FDIC insured institution located in Oklahoma City, OK. It was founded in 1989 and has approximately $8.27 billion in assets. Customers can open an account at one of its 114 branches.

FDIC Insured Yes
FDIC Certificate # 27476
Date Established 1989
Assets $ 8.27 billion
Loans $ 5.39 billion
Deposits $ 7.20 billion
Capital $ 1,016.52 million
 

For a more detailed analysis of BancFirst's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - May 16, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Savings
0.05% $2,500 $4,999 Learn More
Savings
0.50% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.05% $25,000 $29,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.15% $10,000 $14,999 Learn More
6 Mo CD
0.10% $10,000 $14,999 Learn More
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.15% $100,000 $199,999 Learn More
6 Mo CD
0.10% $100,000 $199,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.15% $10,000 $14,999 Learn More
12 Mo CD
0.10% $10,000 $14,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.15% $100,000 $199,999 Learn More
12 Mo CD
0.10% $100,000 $199,999 Learn More
12 Mo CD
0.25% $100,000 $199,999 Learn More
18 Mo CD
0.15% $10,000 $14,999 Learn More
18 Mo CD
0.10% $10,000 $14,999 Learn More
18 Mo CD
0.25% $10,000 $14,999 Learn More
18 Mo CD
0.15% $100,000 $199,999 Learn More
18 Mo CD
0.10% $100,000 $199,999 Learn More
18 Mo CD
0.25% $100,000 $199,999 Learn More
24 Mo CD
0.15% $10,000 $14,999 Learn More
24 Mo CD
0.10% $10,000 $14,999 Learn More
24 Mo CD
0.25% $10,000 $14,999 Learn More
24 Mo CD
0.15% $100,000 $199,999 Learn More
24 Mo CD
0.10% $100,000 $199,999 Learn More
24 Mo CD
0.25% $100,000 $199,999 Learn More
30 Mo CD
0.15% $10,000 $14,999 Learn More
30 Mo CD
0.10% $10,000 $14,999 Learn More
30 Mo CD
0.25% $10,000 $14,999 Learn More
30 Mo CD
0.15% $100,000 $199,999 Learn More
30 Mo CD
0.10% $100,000 $199,999 Learn More
30 Mo CD
0.25% $100,000 $199,999 Learn More
36 Mo CD
0.20% $10,000 $14,999 Learn More
36 Mo CD
0.15% $10,000 $14,999 Learn More
36 Mo CD
0.30% $10,000 $14,999 Learn More
36 Mo CD
0.20% $100,000 $199,999 Learn More
36 Mo CD
0.15% $100,000 $199,999 Learn More
36 Mo CD
0.30% $100,000 $199,999 Learn More
48 Mo CD
0.20% $10,000 $14,999 Learn More
48 Mo CD
0.15% $10,000 $14,999 Learn More
48 Mo CD
0.30% $10,000 $14,999 Learn More
48 Mo CD
0.20% $100,000 $199,999 Learn More
48 Mo CD
0.15% $100,000 $199,999 Learn More
48 Mo CD
0.30% $100,000 $199,999 Learn More
60 Mo CD
0.20% $10,000 $14,999 Learn More
60 Mo CD
0.15% $10,000 $14,999 Learn More
60 Mo CD
0.30% $10,000 $14,999 Learn More
60 Mo CD
0.20% $100,000 $199,999 Learn More
60 Mo CD
0.15% $100,000 $199,999 Learn More
60 Mo CD
0.30% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - May 16, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for BancFirst

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Payment
Learn More
CashCall Mortgage
NMLS ID: 128231
5.213% 5.125%
1.00 points
$2,500 fees
$1,362 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More

Note to BancFirst
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

BancFirst branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California


BancFirst Locations



Climate Initiatives

BancFirst is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

BancFirst Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of BancFirst. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
BancFirst U.S. Bank Average
5.95% 3.95%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2021, BancFirst had $25,856,000 in non-current loans and $39,287,000 in owned real estate. To cover these potential losses it had $1,016,518,000 in equity and $77,889,000 in loans loss reserves. That gives it a Texas Ratio of 5.95%.

Return on Equity
BancFirst U.S. Bank Average
16.25% 10.50%

BancFirst has a Return on Equity of 16.25% versus the BestCashCow average of 10.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
BancFirst U.S. Bank Average
12.3% 11.55%

BancFirst has a Capitalization of 12.3% versus the BestCashCow average of 11.55. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

BancFirst Balance Sheet Analysis

As of December 31, 2021, BancFirst had assets of $8,265,835,000, loans of $5,393,854,000, and deposits of $7,203,280,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2021
ASSETS
Cash & Balances due from depository institutions $ 1,784.02 million
Interest-bearing balances $ 1,576.81 million
Total securities $ 494.50 million
Federal funds sold and reverse repurchase $ 0.80 million
Net loans and leases $ 5.39 billion
Loan loss allowance $ 77.89 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 39.29 million
Goodwill and other intangibles $ 84.47 million
All other assets $ 218.73 million
     Total Assets $ 7.25 billion
LIABILITIES
Total deposits $ 7.20 billion
      Interest-bearing deposits $ 3.84 billion
      Deposits held in domestic offices $ 7.20 billion
      % insured (estimated) 93.55%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 46.04 million
      Total Liabilities $ 7.25 billion
      Shareholders’ Equity $ 1,016.52 million

Summary Income Statement

December 31, 2021
INCOME AND EXPENSES
Total Interest Income $ 299.99 million
Total Interest Expense $ 6.78 million
Net interest income $ 293.21 million
Provision for loan and lease losses N.A.
Total non interest income $ 145.39 million
Total non interest expense $ 250.06 million
Pre-tax Net Operating Income $ 198.71 million

Bank Loan Profile?

The top three loan types in BancFirst’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks, BancFirst’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 19.54
Multifamily
Mortgages
1.83
Credit Card Loans 0.00
Consumer Auto Loans 4.42
Small Business Loans 8.40
Construction and Development Loans 10.20
Commercial Real Estate 29.33
Commercial and Industrial Loans 21.53
Farm Loans 2.68

Customer Reviews for BancFirst


  • December 1, 2021 |

    I have been with bancfirst and love the inperson bank employees. However, online service is more then terrible, it is negligent. I attended an event that encluded troubled kids. On my way home, I stop to refuel my vehicle. It was then, I realized, I did not have my debit card. Not, sure if the card had been misplaced or stolen, I wanted to put a immediate hold on the card. Because it was late, I called the data line. This had an option for lost/stolden cards. After a wait of about 15-20 minutes, I was informed that this line did not service bancfirst. So, i turned to Bancfirst website, where I found a number link for lost or stolen cards. Another, long wait and this time. After reaching an agent, I was told this was Inverse bank and I must of missed dailed. To make a long, painful story short, I spent two hours and was up until 2:AM. I had to rise-up and call the bank at 7:00AM. Customer service was the worst! From the very first, I was treated like it was my stupidity that had created the hold issue. No, apologies, just the blame game. Like, why would I call the data-line that did not have an agent. Correct, but it dose have an option of lost/stolen cards to reach a live agent. The agent said Bancfirst website did not even list the number. That I was calling a random number in error. I had to direct the agent to number on their own web page. Then the agent proceeded to tell me, I must of miss dialed. I told her, I had used the automatic link and also manually dialed. So, the conversation went down hill from here! I have not been treated with this much disinformation and total disrespect in a very long time. I have come to the conclusion, that Bancfirst provides no contact for lost/stoden card between the hours of 10:PM to 7:00PM. That instead of having integrity to inform me of that policy, Bancfirst knownly misleads me to vainly call for hours. I will be shopping for another bank.

  • December 17, 2020 |

    Online banking is only convenient if I can bank on my hours verses bankers hours. The website goes down FREQUENTLY and request constant changes to my password. The website must be down but when you log in it doesn't say that. If you want to scare customers allow them access to the webiste and then show they have no accounts and them give them no recourse til' you open to let them know what is going on and if they have access to their funds or payments will be delayed. Because if I can't see my funds how should I trust that vendors will. A simple the site is down would be great accept that there is no one to call. There is no automated number to call if I want to check my balance. The number on the back of my card hung up on me. Which brings me to if I got mugged or the realized my card was lost, if I can't report it lost or stolen before daylight the next day, true damage could be done by the time I can report it! I am starting to wonder if this is the bank for me. On a plus side they have reached out to call me in the past to ask questions which made me feel like they had my best interest at hand, but right now the online banking which I depend on especially in the face of COVID is not looking good.

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