| Metric | BancFirst | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +5.9% | +2.1 pts |
| Deposit growth (YoY) | +7.4% | +5.7% | +1.8 pts |
| Loan growth (YoY) | +7.0% | +6.9% | +0.1 pts |
| ROA | 1.75% | 1.23% | +0.5 pts |
| ROE | 15.7% | 11.2% | +4.5 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.80B | $11.19B | $7.14B | $1.44B | $111.2M | 1.75% | 3.77% | 0.82% |
| Q1 2026 | $12.80B | $11.21B | $7.07B | $1.40B | $53.0M | 1.68% | 3.71% | 0.60% |
| Q4 2025 | $12.12B | $10.58B | $6.78B | $1.37B | $211.1M | 1.79% | 3.76% | 0.54% |
| Q3 2025 | $11.86B | $10.37B | $6.79B | $1.33B | $154.4M | 1.76% | 3.76% | 0.58% |
| Q2 2025 | $11.85B | $10.42B | $6.67B | $1.29B | $102.5M | 1.76% | 3.71% | 0.52% |
| Q1 2025 | $11.76B | $10.39B | $6.65B | $1.25B | $49.2M | 1.70% | 3.66% | 0.39% |
| Q4 2024 | $11.41B | $10.09B | $6.59B | $1.21B | $191.3M | 1.76% | 3.78% | 0.43% |
| Q3 2024 | $11.09B | $9.74B | $6.77B | $1.21B | $138.4M | 1.72% | 3.80% | 0.33% |
Loan mix (Q2 2026): real estate $5.11B · commercial $1.39B · consumer $503.1M · securities $1.02B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | BancFirst | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 1.23% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 11.3% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.2% | 54.9% | 33th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | BancFirst | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | BancFirst | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | BancFirst | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | BancFirst | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.