BancFirst

101 North Broadway, Suite 200
Oklahoma City, OK 73102

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 27476
Date Established 1989
Assets $7.56 billion
Loans $4.93 billion
Deposits $6.72 billion
Capital $0.80 billion

BancFirst is an FDIC insured institution located in Oklahoma City, OK. It was founded in 1989 and has approximately $7.56 billion in assets. Customers can open an account at one of its 114 branches.

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

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 20.02
Multifamily
Mortgages
1.34
Credit Card Loans 0.00
Consumer Auto Loans 3.83
Small Business Loans 7.83
Construction and Development Loans 9.15
Commercial Real Estate 30.55
Commercial and Industrial Loans 21.82
Farm Loans 2.76

Deposit Rates - June 17, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
1.30% $1 $24,999 Learn MoreShow Less
Money Market
1.30% $1,000 $9,999 Learn MoreShow Less
Money Market
1.35% $1,000 $24,999 Learn MoreShow Less
Money Market
1.45% $25,000 $49,999 Learn MoreShow Less
Money Market
1.50% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
1.35% $500 - Learn MoreShow Less
3 Mo CD
1.55% $1,000 - Learn MoreShow Less
3 Mo CD
1.45% $1,000 - Learn MoreShow Less
3 Mo CD
1.30% $1,000 - Learn MoreShow Less
3 Mo CD
1.60% $1,000 - Learn MoreShow Less
6 Mo CD
1.45% $500 - Learn MoreShow Less
6 Mo CD
1.55% $1,000 - Learn MoreShow Less
6 Mo CD
1.70% $1,000 - Learn MoreShow Less
6 Mo CD
1.40% $1,000 - Learn MoreShow Less
12 Mo CD
1.45% $500 - Learn MoreShow Less
12 Mo CD
1.55% $1,000 - Learn MoreShow Less
12 Mo CD
1.70% $1,000 - Learn MoreShow Less
12 Mo CD
1.40% $1,000 - Learn MoreShow Less
18 Mo CD
1.45% $500 - Learn MoreShow Less
18 Mo CD
1.55% $1,000 - Learn MoreShow Less
18 Mo CD
1.70% $1,000 - Learn MoreShow Less
18 Mo CD
1.40% $1,000 - Learn MoreShow Less
24 Mo CD
1.45% $500 - Learn MoreShow Less
24 Mo CD
1.70% $1,000 - Learn MoreShow Less
24 Mo CD
1.40% $1,000 - Learn MoreShow Less
24 Mo CD
1.55% $1,000 - Learn MoreShow Less
30 Mo CD
1.45% $500 - Learn MoreShow Less
30 Mo CD
1.40% $1,000 - Learn MoreShow Less
30 Mo CD
1.55% $1,000 - Learn MoreShow Less
30 Mo CD
1.70% $1,000 - Learn MoreShow Less
36 Mo CD
1.45% $500 - Learn MoreShow Less
36 Mo CD
1.55% $1,000 - Learn MoreShow Less
36 Mo CD
1.40% $1,000 - Learn MoreShow Less
36 Mo CD
1.70% $1,000 - Learn MoreShow Less
48 Mo CD
1.45% $500 - Learn MoreShow Less
48 Mo CD
1.70% $1,000 - Learn MoreShow Less
48 Mo CD
1.40% $1,000 - Learn MoreShow Less
48 Mo CD
1.55% $1,000 - Learn MoreShow Less
60 Mo CD
1.45% $500 - Learn MoreShow Less
60 Mo CD
1.70% $1,000 - Learn MoreShow Less
60 Mo CD
1.40% $1,000 - Learn MoreShow Less
60 Mo CD
1.55% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.45% $500 - Learn MoreShow Less
Fixed IRA
1.70% $500 - Learn MoreShow Less
Fixed IRA
1.40% $500 - Learn MoreShow Less
Fixed IRA
1.55% $500 - Learn MoreShow Less
Fixed IRA
1.75% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
1.45% $500 - Learn MoreShow Less
Var IRA
1.60% $1,000 - Learn MoreShow Less
Var IRA
1.75% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.40% $500 - Learn MoreShow Less
Int Ckg
0.50% $500 - Learn MoreShow Less
Int Ckg
0.45% $500 - Learn MoreShow Less

Loan Rates - June 17, 2019

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

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:
Ashburn,Virginia


BancFirst Locations


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
3.66% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2018, BancFirst had $24,519,000 in non-current loans and $6,690,000 in owned real estate. To cover these potential losses it had $800,414,000 in equity and $51,389,000 in loans loss reserves. That gives it a Texas Ratio of 3.66%.

Return on Equity
BancFirst U.S. Bank Average
15.68% 8.80%

BancFirst has a Return on Equity of 15.68% versus the BestCashCow average of 8.80%. 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
10.59% 12.29%

BancFirst has a Capitalization of 10.59% versus the BestCashCow average of 12.29. 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, 2018, BancFirst had assets of $7,555,421,000, loans of $4,932,761,000, and deposits of $6,719,924,000. 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, 2018
ASSETS
Cash & Balances due from depository institutions $1.42 billion
Interest-bearing balances $1.19 billion
Total securities $0.77 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $4.93 billion
Loan loss allowance $0.05 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.09 billion
All other assets $0.16 billion
     Total Assets $6.76 billion
LIABILITIES
Total deposits $6.72 billion
      Interest-bearing deposits $4.10 billion
      Deposits held in domestic offices $6.72 billion
      % insured (estimated) 82.52%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.03 billion
      Total Liabilities $6.76 billion
      Shareholders’ Equity $0.80 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.30 billion
Total Interest Expense $0.04 billion
Net interest income $0.26 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.11 billion
Total non interest expense $0.21 billion
Pre-tax Net Operating Income $0.16 billion

Frequently Asked Questions About Bancfirst

Branches and Savings

Is Bancfirst FDIC insured?

Yes. It is covered under FDIC Certificate #27476.

Why does Bancfirst pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bancfirst CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bancfirst a commercial bank?

Yes

Where are Bancfirst locations?

See branch locations nearby.

Is Bancfirst open on Saturdays?

Is Bancfirst open on Sundays?

What time does Bancfirst open?

What time does Bancfirst close?

Are Bancfirst ATMs Open 24/7?

Do Bancfirst ATMs accept cash deposits?

Can Bancfirst customers use other ATMs?

Do Bancfirst branches have notaries?

Will Bancfirst notarize my document?

What address for Bancfirst should I put for incoming ACH transfers?

Will the Bancfirst branch print checks?

Do Bancfirst checks expire?

Does Bancfirst require US citizenship to open account?

Can Bancfirst close my account?

Does Bancfirst Report to credit bureaus?

Does Bancfirst Use Equifax?

What is Bancfirst's ACH Routing Number?

What is Bancfirst's SWIFT code?

Products

Does Bancfirst offer mortgages?

Compare mortgage rates here.

Does Bancfirst offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bancfirst offer personal loans?

Compare personal loan rates here.

Does Bancfirst offer student loans?

Will Bancfirst cash a check?

Will Bancfirst redeem a savings bond?

Does Bancfirst cash savings bonds?

Will Bancfirst cash money orders?

Can Bancfirst issue a money order?

Does Bancfirst do currency exchange?

Background on The Bank

Who owns Bancfirst?

How long has Bancfirst been around?

Can Bancfirst transfer to other banks?

Does Bancfirst have quick pay?

Does Bancfirst accept rolled coins?

Will Bancfirst accept loose change?

Where is Bancfirst headquarters?

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