BancFirst Corporation is an Oklahoma-based financial services holding company. The company operates three subsidiary banks, BancFirst, an Oklahoma state-chartered bank; and Pegasus Bank and Worthington Bank, both Texas state-chartered banks.3 It is headquartered in Oklahoma City.1 Its shares trade on Nasdaq under the symbol BANF.1Wikipedia text CC BY-SA 4.0
BancFirst Corporation is an Oklahoma-based financial services holding company. The company operates three subsidiary banks, BancFirst, an Oklahoma state-chartered bank; and Pegasus Bank and Worthington Bank, both Texas state-chartered banks.3
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Deposit Account brought in 75% of the revenue BancFirst broke down this way in fiscal 2025.
Net income141516$66.7M in Q2 FY2026+6% since Q3 FY2025
Every line of the income statement as filed: the last 3 fiscal years, latest first.9
Period ending
2025-12-31
2024-12-31
2023-12-31
Loans, including fees
$565.4M
$554.8M
$467.5M
Taxable
$26.7M
$34.3M
$36.8M
Tax-exempt
$81.0K
$74.0K
$72.0K
Federal funds sold
$464.0K
$33.0K
$226.0K
Interest-bearing deposits with banks
$167.6M
$134.9M
$119.3M
Total interest income
$760.3M
$724.1M
$623.9M
Deposits
$265.3M
$272.9M
$195.0M
Short-term borrowings
$289.0K
$235.0K
$312.0K
Long-term borrowings
$44.0K
$0
$0
Subordinated debt
$4.1M
$4.1M
$4.1M
Total interest expense
$269.8M
$277.3M
$199.5M
Net interest income
$490.5M
$446.9M
$424.5M
Provision for credit losses on loans
$4.9M
$9.0M
$7.5M
Provision for off-balance sheet credit exposures
$723.0K
$0
$0
Total provision for credit losses
$5.7M
$9.0M
$7.5M
Net interest income after provision for credit losses
$484.8M
$437.9M
$417.0M
Securities transactions
$383.0K
$97.0K
-$1.8M
Sales of loans
$3.2M
$2.7M
$2.6M
Insurance commissions
$34.9M
$33.4M
$30.6M
Cash management
$41.1M
$36.2M
$30.7M
Gain/(loss) on sale of other assets
$955.0K
-$12.0K
$1.6M
Other
$25.4M
$20.8M
$25.5M
Total noninterest income
$200.1M
$184.6M
$185.4M
Salaries and employee benefits
$226.0M
$212.0M
$200.0M
Occupancy, net
$25.2M
$22.2M
$21.0M
Depreciation
$19.1M
$18.1M
$18.7M
Amortization of intangible assets
$3.4M
$3.5M
$3.5M
Data processing services
$11.8M
$10.8M
$8.4M
Net expense from other real estate owned
$20.4M
$13.1M
$15.9M
Marketing and business promotion
$10.0M
$9.4M
$9.1M
Deposit insurance
$6.8M
$6.3M
$5.8M
Other
$57.0M
$51.7M
$50.0M
Total noninterest expense
$379.8M
$347.2M
$332.5M
Income before taxes
$305.1M
$275.3M
$269.9M
Income tax expense
$64.5M
$58.9M
$57.5M
Net income
$240.6M
$216.4M
$212.5M
Basic
$7.22
$6.55
$6.45
Diluted
$7.11
$6.44
$6.34
Unrealized gains on available for sale debt securities, net of tax expense of $7,635, $5,282 and $6,634, respectively
$24.6M
$17.2M
$21.5M
Other comprehensive income, net of tax expense of $7,635, $5,282 and $6,634, respectively
$24.6M
$17.2M
$21.5M
Comprehensive income
$265.2M
$233.5M
$234.0M
Unrealized gains on available for sale debt securities, tax expense
$7.6M
$5.3M
$6.6M
Other comprehensive income, tax expense
$7.6M
$5.3M
$6.6M
No quarter-by-quarter statement was filed.
Total assets101112139$14.8B in 2025+73% since 2019Total liabilities17101112139$13.0B in 2025+72% since 2019Shareholders’ equity101112139$1.9B in 2025+84% since 2019
Total assets141516$15.1B in Q2 FY2026+6% since Q3 FY2025Total liabilities141516$13.1B in Q2 FY2026+6% since Q3 FY2025Shareholders’ equity141516$2.0B in Q2 FY2026+10% since Q3 FY2025
Every line of the balance sheet as filed: the last 3 fiscal years (annual) or 3 quarters (quarterly), latest first.9
Period ending
2025-12-31
2024-12-31
2023-12-31
Cash and due from banks
$227.0M
$237.8M
Interest-bearing deposits with banks
$4.2B
$3.3B
Federal funds sold
$91.7M
$715.0K
Debt securities held for investment (fair value: $561 and $837, respectively)
$561.0K
$837.0K
Debt securities available for sale at fair value
$924.4M
$1.2B
Loans held for sale
$11.8M
$8.1M
Loans held for investment (net of unearned interest)
$8.5B
$8.0B
$7.7B
Allowance for credit losses
-$104.3M
-$99.5M
-$96.8M
Loans, net of allowance for credit losses
$8.4B
$7.9B
Premises and equipment, net
$325.9M
$295.9M
Other real estate owned
$47.9M
$33.1M
Intangible assets, net
$21.4M
$13.2M
Goodwill
$182.7M
$182.3M
Accrued interest receivable and other assets
$399.6M
$330.0M
Total assets
$14.8B
$13.6B
$12.4B
Noninterest-bearing
$3.9B
$3.9B
Interest-bearing
$8.8B
$7.8B
Total deposits
$12.7B
$11.7B
$10.7B
Short-term borrowings
$10.0M
$0
Long-term borrowings
$12.0M
$0
Accrued interest payable and other liabilities
$206.2M
$128.4M
Subordinated debt
$86.2M
$86.2M
Total liabilities
$13.0B
$11.9B
Common stock, $1.00 par, 40,000,000 shares authorized; shares issued and outstanding: 33,539,032 and 33,216,519, respectively
$33.5M
$33.2M
Capital surplus
$217.8M
$187.1M
Retained earnings
$1.6B
$1.4B
Accumulated other comprehensive loss, net of tax benefit of $2,556 and $10,191, respectively
-$8.3M
-$32.9M
Total stockholders' equity
$1.9B
$1.6B
$1.4B
Total liabilities and stockholders' equity
$14.8B
$13.6B
Securities, fair value
$561.0K
$837.0K
Common stock, par value
$1.00
$1.00
Common stock, shares authorized
40.0M shares
40.0M shares
Common stock, shares issued
33.5M shares
33.2M shares
Common stock, shares outstanding
33.5M shares
33.2M shares
32.9M shares
Accumulated other comprehensive loss, net of tax benefit
$2.6M
$10.2M
Period ending
2025-12-31
2024-12-31
2023-12-31
Cash and due from banks
$227.0M
$237.8M
Interest-bearing deposits with banks
$4.2B
$3.3B
Federal funds sold
$91.7M
$715.0K
Debt securities held for investment (fair value: $561 and $837, respectively)
$561.0K
$837.0K
Debt securities available for sale at fair value
$924.4M
$1.2B
Loans held for sale
$11.8M
$8.1M
Loans held for investment (net of unearned interest)
$8.5B
$8.0B
$7.7B
Allowance for credit losses
-$104.3M
-$99.5M
-$96.8M
Loans, net of allowance for credit losses
$8.4B
$7.9B
Premises and equipment, net
$325.9M
$295.9M
Other real estate owned
$47.9M
$33.1M
Intangible assets, net
$21.4M
$13.2M
Goodwill
$182.7M
$182.3M
Accrued interest receivable and other assets
$399.6M
$330.0M
Total assets
$14.8B
$13.6B
$12.4B
Noninterest-bearing
$3.9B
$3.9B
Interest-bearing
$8.8B
$7.8B
Total deposits
$12.7B
$11.7B
$10.7B
Short-term borrowings
$10.0M
$0
Long-term borrowings
$12.0M
$0
Accrued interest payable and other liabilities
$206.2M
$128.4M
Subordinated debt
$86.2M
$86.2M
Total liabilities
$13.0B
$11.9B
Common stock, $1.00 par, 40,000,000 shares authorized; shares issued and outstanding: 33,539,032 and 33,216,519, respectively
$33.5M
$33.2M
Capital surplus
$217.8M
$187.1M
Retained earnings
$1.6B
$1.4B
Accumulated other comprehensive loss, net of tax benefit of $2,556 and $10,191, respectively
-$8.3M
-$32.9M
Total stockholders' equity
$1.9B
$1.6B
$1.4B
Total liabilities and stockholders' equity
$14.8B
$13.6B
Securities, fair value
$561.0K
$837.0K
Common stock, par value
$1.00
$1.00
Common stock, shares authorized
40.0M shares
40.0M shares
Common stock, shares issued
33.5M shares
33.2M shares
Common stock, shares outstanding
33.5M shares
33.2M shares
32.9M shares
Accumulated other comprehensive loss, net of tax benefit
$2.6M
$10.2M
Cash from operations101112139$285.3M in 2025+79% since 2019Capital spending101112139$48.3M in 2025+79% since 2019Free cash flow101112139$237.0M in 2025+80% since 2019Dividends paid101112139$62.2M in 2025+56% since 2019Share buybacks1011129$1.8M in 2023+14% since 2019
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.9
Period ending
2025-12-31
2024-12-31
2023-12-31
Net income
$240.6M
$216.4M
$212.5M
Provision for credit losses
$5.7M
$9.0M
$7.5M
Depreciation and amortization
$22.5M
$21.7M
$22.2M
Net amortization of securities premiums and discounts
-$722.0K
-$1.1M
-$1.3M
Realized securities (gains)/losses
-$383.0K
-$97.0K
$1.8M
Gain on sales of loans
-$3.2M
-$2.7M
-$2.6M
Cash receipts from the sale of loans originated for sale
$186.2M
$155.0M
$149.8M
Cash disbursements for loans originated for sale
-$186.7M
-$156.9M
-$144.5M
Deferred income tax benefit
-$904.0K
-$2.2M
-$2.8M
Gain on sale of other real estate owned and other assets
-$965.0K
-$1.4M
-$2.3M
Decrease (increase) in interest receivable
$2.0M
-$636.0K
-$9.9M
Increase in interest payable
$45.0K
$6.5M
$7.7M
Amortization of stock-based compensation arrangements
$3.7M
$3.5M
$3.0M
Excess tax benefit from stock-based compensation arrangements
-$2.1M
-$4.1M
-$899.0K
Other, net
$19.4M
$18.3M
-$7.2M
Net cash provided by operating activities
$285.3M
$261.2M
$233.0M
Net cash received from acquisitions, net of cash paid
$13.7M
$8.0M
Net decrease in federal funds sold
$6.3M
$601.0K
$1.5M
Purchases of available for sale debt securities
-$371.3M
-$375.4M
-$454.0M
Proceeds from maturities, calls and paydowns of held for investment debt securities
$91.0K
$354.0K
$1.4M
Proceeds from maturities, calls and paydowns of available for sale debt securities
$709.1M
$741.9M
$467.6M
Purchase of equity securities
-$371.0K
-$409.0K
-$310.0K
Proceeds from paydowns and sales of equity securities
$5.2M
$405.0K
$850.0K
Net change in loans
-$287.7M
-$387.9M
-$719.3M
Net receipts (payments) on derivative asset contracts
$8.0M
-$15.4M
$21.2M
Purchases of premises, equipment and computer software
-$48.3M
-$36.7M
-$22.5M
Purchase of tax credits
-$31.5M
-$12.6M
-$7.6M
Other, net
$12.4M
$13.7M
$33.5M
Net cash provided by (used in) investing activities
$15.5M
-$71.4M
-$669.7M
Net change in deposits
$611.3M
$1.0B
-$284.9M
Net change in short-term borrowings
$10.0M
-$3.4M
$3.1M
Paydown of long-term borrowings
-$14.0M
Issuance of common stock in connection with stock-based compensation plans, net
$4.7M
$9.2M
$2.5M
Common stock acquired
-$1.8M
Cash dividends paid
-$62.2M
-$57.8M
-$53.6M
Net cash provided by (used in) financing activities
$549.8M
$966.5M
-$334.8M
Net increase/(decrease) in cash, due from banks and interest-bearing deposits
BancFirst is part of a group headed by BANCFIRST CORPORATION. 11 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of BancFirst
VANGUARD GROUP INCFiled SCHEDULE 13G/A on BancFirst, latest Mar 26, 2026 (4 filings since Feb 9, 2022)
American Bank of Oklahoma Subsidiary · Oklahoma, United States
BancFirst Insurance Services, Inc. Subsidiary · Oklahoma, United States
BFC Capital Trust II Subsidiary · Delaware, United States
BFC PNC, LLC Subsidiary · Oklahoma, United States
Calimesa Town Center, LLC Subsidiary · Oklahoma, United States
Council Oak Partners, LLC Subsidiary · Oklahoma, United States
First Bank & Trust Company Subsidiary · Perry, Oklahoma, United States
PEGASUS BANK Subsidiary · Dallas, Texas, United States
WORTHINGTON BANK Subsidiary · Fort Worth, Texas, United States
Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What BancFirst reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
The principal offices of the Company are located at 100 North Broadway Ave., Oklahoma City, Oklahoma 73102.
The Company owns substantially all of the properties and buildings in which its various offices and facilities are located. These properties include the main bank and 104 additional BancFirst branches in Oklahoma. The Company also owns properties in Oklahoma for future expansion. There are no significant encumbrances on any of these properties.
The rest of Item 2
The Company’s wholly-owned subsidiary, Pegasus has three banking locations in Dallas, Texas. The main bank is located at 4515 W Mockingbird Ln, Dallas, TX 75209.
The Company’s wholly-owned subsidiary, Worthington has one banking location in Arlington, Texas, one in Colleyville, Texas, one in Denton, Texas and two in Fort Worth, Texas. The main bank is located at 200 W Main St, Arlington, TX 76010.
At December 31, 2025, the Company's wholly-owned subsidiary, ABOK had six banking locations in communities located in northeast Oklahoma. The main bank was located at 200 E Main St, Collinsville, OK 74021.
(See Note 6 - “Premises and Equipment, Net and Other Assets” to the Consolidated Financial Statements for further information on the Company’s properties).
The roots of BancFirst date back to 1966, when lead investor and Chairman H.E. "Gene" Rainbolt purchased Federal National Bank in Shawnee, Oklahoma. Federal National had $16 million in assets at the time of purchase. Throughout the 1970s, Rainbolt acquired interests in many rural Oklahoma banks and formed Thunderbird Financial Corporation to assist each bank with management services. In 1985, Rainbolt's banks in seven communities were brought under the ownership of United Community Corporation.
On April 1, 1989, BancFirst was formed and established its corporate headquarters in downtown Oklahoma City. Changes in Oklahoma's banking laws that allowed multiple banks to merge in such a fashion were largely due to Rainbolt's efforts to modernize the law.
David Rainbolt became CEO in 1992, and took the company public in 1993 through an initial public offering; BancFirst began trading on the NASDAQ under stock symbol BANF. David Rainbolt became chairman in 2017 after having led the bank through more than 35 bank acquisitions over the years. David Harlow is currently CEO of BancFirst Corporation.
Ownership links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); each one cites its LEI record. The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.
Around Oct 29, 2026Next results, estimated About a quarter after its last report. The company hasn't announced the date.
When it reported results
Jul 23, 2026Reported quarterly or annual results82
Apr 16, 2026Reported quarterly or annual results85
Jan 23, 2026Reported quarterly or annual results87
Oct 17, 2025Reported quarterly or annual results91
Jul 17, 2025Reported quarterly or annual results93
Apr 17, 2025Reported quarterly or annual results94
Jan 23, 2025Reported quarterly or annual results95
Oct 17, 2024Reported quarterly or annual results96
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
485 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 59 major events, 341 insider forms, 15 large holders, 50 other. The latest 20:
140 open-market trades by officers, directors and large owners since October 2021: 16 buys and 124 sales. Grants, option exercises and gifts are left out.
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.
From the cover page of the 10-K filed Feb 26, 2026 (Section 12(b) of the Exchange Act).18
Risk factors and legal proceedings
Legal proceedings
The Company has been named as a defendant in various legal actions arising from the conduct of its normal business activities. Although the amount of any liability that could arise with respect to these actions cannot be accurately predicted, in the opinion of the Company, any such liability will not have a material adverse effect on the consolidated financial statements of the Company.