BlastPoint's Banking Scorecard
BancFirst
Mid-Market
Specialty: Commercial
OK
FDIC cert 27476
Oklahoma City, OK
201
banks in Mid-Market tier nationally
3 in OK
View Mid-Market leaderboard (OK) →
BancFirst has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 48% in Mid-Market
- + Loan-to-Deposit Ratio 21.35% below tier
- + Tier 1 Capital Ratio 3.83% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 16% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$12.1B
+6.3% YoY
+2.2% QoQ
|
+$1.7B |
$10.5B
+2.9% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$6.8B
+2.9% YoY
-0.1% QoQ
|
-$347.7M |
$7.1B
+4.5% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$10.6B
+4.9% YoY
+2.1% QoQ
|
+$2.0B |
$8.5B
+3.0% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.79%
+1.6% YoY
+1.8% QoQ
|
+0.63% |
1.16%
+9.4% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
3.76%
-0.6% YoY
+0.0% QoQ
|
+0.37% |
3.40%
+7.9% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
51.08%
-2.3% YoY
+0.8% QoQ
|
-5.53% |
56.60%
-3.2% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.88%
+30.3% YoY
-5.2% QoQ
|
+0.19% |
0.68%
+12.0% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
64.12%
-1.9% YoY
-2.1% QoQ
|
-21.35% |
85.47%
+1.1% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.52%
-4.9% YoY
+0.8% QoQ
|
+10.88% |
20.64%
-0.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.54%
+25.9% YoY
-6.1% QoQ
|
+0.05% |
0.50%
+7.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
17.38%
+10.8% YoY
+2.2% QoQ
|
+3.83% |
13.55%
+1.8% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
1.23%
-4.7% YoY
+33.9% QoQ
|
+0.27% |
0.96%
+7.1% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#24 of 49 · Top 48% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.23%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
1.79%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
Loan-to-Deposit Ratio
metric
Top 9%
in Mid-Market
Why this stands out
Current:
64.12%
(Tier avg: 85.47%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 9%
in Mid-Market
Why this stands out
Current:
17.38%
(Tier avg: 13.55%, National avg: 9.75%)
Concerns (1)
Credit Risk Growth
risk
#15 of 87 · Bottom 16% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Loan-to-Deposit Ratio
Current: 64.12% · Tier avg: 85.47%
91
91th pctile
Tier 1 Capital Ratio
Current: 17.38% · Tier avg: 13.55%
87
87th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.16%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.52% · Tier avg: 20.64%
86
86th pctile
Non-Interest Income / Assets
Current: 1.23% · Tier avg: 0.96%
75
75th pctile
Total Deposits
Current: $10.6B · Tier avg: $8.5B
72
72th pctile
Total Assets
Current: $12.1B · Tier avg: $10.5B
71
71th pctile
Efficiency Ratio
Current: 51.08% · Tier avg: 56.60%
67
67th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.40%
62
62th pctile
Total Loans
Current: $6.8B · Tier avg: $7.1B
38
38th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.50%
30
30th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.68%
Top Weaknesses
30
30th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.68%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.50%
62
62th pctile
Total Loans
Current: $6.8B · Tier avg: $7.1B
67
67th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.40%
71
71th pctile
Efficiency Ratio
Current: 51.08% · Tier avg: 56.60%
72
72th pctile
Total Assets
Current: $12.1B · Tier avg: $10.5B
75
75th pctile
Total Deposits
Current: $10.6B · Tier avg: $8.5B
86
86th pctile
Non-Interest Income / Assets
Current: 1.23% · Tier avg: 0.96%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.52% · Tier avg: 20.64%
87
87th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.16%
91
91th pctile
Tier 1 Capital Ratio
Current: 17.38% · Tier avg: 13.55%
91
91th pctile
Loan-to-Deposit Ratio
Current: 64.12% · Tier avg: 85.47%