Bancfirst Mortgage Rates, Fees & Info

Oklahoma City, OK

LEI: 549300MNZECUR067HB12

Tax ID: 73-1332918

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Bancfirst is a smaller mortgage company specializing in Home Purchase and Refi loans. Bancfirst has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Oklahoma City, Tulsa, Stillwater, Lawton, and Shawnee among others. We have data for 36 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Bancfirst has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bancfirst is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.35% 11/21/24
    30 Year Conventional Purchase 6.76% 11/21/24
    30 Year Conventional Refi 6.81% 11/21/24
    30 Year Cash-out Refi 7.11% 11/21/24
    30 Year FHA Purchase 7.58% 11/21/24
    30 Year FHA Refi 7.17% 11/21/24
    30 Year VA Purchase 6.35% 11/21/24
    30 Year USDA Purchase 6.97% 11/21/24
    15 Year Conventional Purchase 6.93% 11/21/24
    15 Year Conventional Refi 7.17% 11/21/24
    15 Year Cash-out Refi 7.17% 11/21/24
    15 Year FHA Purchase 6.50% 11/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Bancfirst Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Bancfirst. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    5,209

    Origination Dollar Volume (All Markets)

    $800,075,000

    Employee count

    1,908 Show all (24) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1,988 $329,630,000 $165,810 $3,018 4.14%
    TULSA, OK (FHA|USDA|VA) 810 $137,160,000 $169,333 $3,362 3.79%
    Outside of Metro Areas 587 $74,255,000 $126,499 $2,884 4.38%
    Stillwater, OK (FHA|USDA|VA) 321 $66,835,000 $208,209 $3,714 3.71%
    LAWTON, OK (FHA|USDA|VA) 246 $31,280,000 $127,154 $3,092 3.76%
    Shawnee, OK (FHA|USDA|VA) 228 $29,070,000 $127,500 $2,944 4.38%
    Tahlequah, OK (FHA|USDA|VA) 175 $25,485,000 $145,629 $3,776 4.11%
    Duncan, OK (FHA|USDA|VA) 222 $20,210,000 $91,036 $2,138 4.45%
    Weatherford, OK (FHA|USDA|VA) 98 $18,330,000 $187,041 $4,117 3.58%
    Ardmore, OK (FHA|USDA|VA) 131 $17,175,000 $131,107 $2,636 4.51%
    McAlester, OK (FHA|USDA|VA) 125 $14,595,000 $116,760 $3,225 4.48%
    Muskogee, OK (FHA|USDA|VA) 132 $13,120,000 $99,394 $3,242 4.03%
    Bartlesville, OK (FHA|USDA|VA) 33 $5,935,000 $179,848 $3,163 3.52%
    Ponca City, OK (FHA|USDA|VA) 38 $3,310,000 $87,105 $3,442 4.27%
    Durant, OK (FHA|USDA|VA) 14 $2,930,000 $209,286 $3,725 3.88%
    ENID, OK (FHA|USDA|VA) 12 $1,770,000 $147,500 $3,661 3.45%
    Altus, OK (FHA|USDA|VA) 9 $1,725,000 $191,667 $3,553 3.68%
    Ada, OK (FHA|USDA|VA) 10 $1,050,000 $105,000 $3,339 4.39%
    FORT SMITH, AR-OK (FHA|USDA|VA) 7 $1,035,000 $147,857 $4,090 4.13%
    Elk City, OK (FHA|USDA|VA) 3 $935,000 $311,667 $2,411 3.17%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $695,000 $695,000 $0 3.75%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $660,000 $330,000 $0 4.00%
    Durango, CO (FHA|USDA|VA) 1 $505,000 $505,000 $88 4.25%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $465,000 $465,000 $3,396 4.25%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $365,000 $365,000 $2,230 4.50%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $305,000 $305,000 $0 5.00%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $300,000 $150,000 $0 4.25%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.13%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.00%
    Woodward, OK (FHA|USDA|VA) 1 $105,000 $105,000 $5,042 3.25%
    Miami, OK (FHA|USDA|VA) 2 $100,000 $50,000 $2,389 4.19%
    Taos, NM (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.00%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.00%
    Gainesville, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.00%
    Guymon, OK (FHA|USDA|VA) 1 $85,000 $85,000 $3,270 3.50%
    WICHITA FALLS, TX (FHA|USDA|VA) 2 $80,000 $40,000 $1,603 5.50%
    Bancfirst's top markets include Oklahoma City, Tulsa, Stillwater, Lawton, and Shawnee among others.

    Their top states include:
  • Oklahoma (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Louisiana (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against BancFirst based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    TRUE SKY
    Similarity Rank: 168
    RED CROWN
    Similarity Rank: 408
    WEOKIE
    Similarity Rank: 420
    ALLEGIANCE
    Similarity Rank: 432
    OKLAHOMA CENTRAL Credit Union
    Similarity Rank: 456
    Republic Bank & Trust
    Similarity Rank: 512
    SpiritBank
    Similarity Rank: 606
    Tulsa Federal Credit Union
    Similarity Rank: 819
    US Employees O.C. Federal Credit Union
    Similarity Rank: 836
    Municipal Employees Credit Union of Oklahoma City
    Similarity Rank: 880

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,167 $677,695,000 $162,634 $2,761 4.13%
    HELOC 619 $57,195,000 $92,399 n/a 4.57%
    FHA 248 $36,990,000 $149,153 $6,003 3.10%
    USDA 105 $12,695,000 $120,905 $4,543 3.05%
    VA 70 $15,500,000 $221,429 $5,334 2.64%

    For 2020, Bancfirst's most frequently originated type of loan was Conventional, with 4,167 originations. Their 2nd most popular type was HELOC, with 619 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,501 $428,215,000 $171,218 $3,846 3.92%
    Refi 1,600 $268,280,000 $167,675 $2,603 4.04%
    Home Improvement 443 $23,005,000 $51,930 $857 4.95%
    Other 412 $25,620,000 $62,184 $1,019 4.88%
    Cash Out Refi 253 $54,955,000 $217,213 $3,853 3.29%

    For 2020, Bancfirst's most frequently cited loan purpose was Home Purchase, with 2,501 originations. The 2nd most popular reason was Refi, with 1,600 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,594 $330,690,000 $207,459 $4,244 3.06%
    15 Year 901 $136,855,000 $151,892 $2,789 3.80%
    Other 792 $124,870,000 $157,664 $1,696 4.89%
    5 Year 727 $46,455,000 $63,900 $574 4.69%
    20 Year 581 $79,115,000 $136,170 $2,509 4.51%
    10 Year 354 $35,500,000 $100,282 $1,154 5.11%
    1 Year 245 $45,905,000 $187,367 $0 4.96%
    3 Year 15 $685,000 $45,667 $468 5.00%

    For 2020, Bancfirst's most frequently cited loan duration was 30 Year, with 1,594 originations. The 2nd most popular length was 15 Year, with 901 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,671 $437,595,000 $163,832
    $1k-2k 588 $91,710,000 $155,969
    $2k-3k 94 $21,460,000 $228,298
    $3k-4k 22 $6,500,000 $295,455
    $4k-5k 8 $2,480,000 $310,000
    $5k+ 2 $1,050,000 $525,000

    Bancfirst's average total fees were $4,244, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,671 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,608 $202,250,000 $125,777
    3-4% 1,299 $229,935,000 $177,009
    2.5-3% 856 $178,920,000 $209,019
    5-6% 746 $59,030,000 $79,129
    <2.5% 439 $115,385,000 $262,836
    6-7% 181 $10,575,000 $58,425
    7-8% 51 $3,135,000 $61,471
    Over 8% 29 $845,000 $29,138

    During 2020, Bancfirst's average interest rate for loans was 3.06%, while their most frequently originated rate bucket for loans was 4-5%, with 1,608 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,377 $125,175,000 $52,661 $1,713 4.74%
    $100k-200k 1,566 $226,820,000 $144,840 $3,698 3.70%
    $200k-400k 1,004 $273,110,000 $272,022 $4,070 3.30%
    $400k-600k 206 $97,680,000 $474,175 $4,109 3.29%
    $600k-1MM 30 $22,220,000 $740,667 $2,890 4.31%
    $1MM+ 26 $55,070,000 $2,118,077 $3,984 4.19%

    2020 saw Bancfirst place emphasis on $100,000 or less loans with 2,377 originations, totaling $125,175,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 929 $107,225,000 $115,420 $3,223 4.01%
    $100k-150k 905 $151,955,000 $167,906 $3,084 3.96%
    $50k or less 897 $73,415,000 $81,845 $2,844 4.25%
    $75k-100k 671 $88,915,000 $132,511 $3,355 3.95%
    $150k-250k 569 $116,705,000 $205,105 $3,152 3.86%
    $250k+ 308 $82,030,000 $266,331 $3,106 3.95%

    Bancfirst lent most frequently to those with incomes in the $50k-75k range, with 929 originations. The second most popular income band? $100k-150k, with 905 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,138 $170,640,000 $149,947 $3,146 3.83%
    30-36% 771 $111,445,000 $144,546 $3,115 3.96%
    <20% 697 $95,415,000 $136,894 $2,643 3.98%
    36% 144 $21,610,000 $150,069 $3,340 3.93%
    37% 140 $20,910,000 $149,357 $3,319 3.97%
    39% 136 $18,730,000 $137,721 $3,234 4.07%
    38% 133 $19,095,000 $143,571 $3,263 4.01%
    41% 117 $17,515,000 $149,701 $3,249 3.92%
    40% 112 $18,130,000 $161,875 $3,433 3.79%
    42% 105 $15,935,000 $151,762 $3,285 3.84%
    43% 103 $18,285,000 $177,524 $3,455 3.75%
    44% 88 $13,790,000 $156,705 $3,415 3.80%
    50-60% 79 $11,105,000 $140,570 $3,256 4.34%
    45% 70 $12,300,000 $175,714 $3,891 3.54%
    47% 63 $12,565,000 $199,444 $3,468 3.57%
    >60% 62 $8,860,000 $142,903 $1,396 4.92%
    46% 59 $10,185,000 $172,627 $3,605 3.73%
    49% 53 $11,585,000 $218,585 $3,552 3.50%
    48% 39 $7,025,000 $180,128 $4,141 3.68%

    Bancfirst lent most frequently to those with DTI ratios of 20-30%, with 1,138 originations. The next most common DTI ratio? 30-36%, with 771 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,860 $562,450,000 $145,712 $3,036 4.04%
    Not applicable 630 $131,260,000 $208,349 $0 4.71%
    American Indian 404 $59,970,000 $148,441 $3,799 3.83%
    Not provided 141 $23,195,000 $164,504 $3,179 3.69%
    Asian 77 $12,055,000 $156,558 $3,080 3.69%
    Black 92 $10,500,000 $114,130 $2,732 4.29%
    Native Hawaiian or Islander 2 $350,000 $175,000 $5,441 3.50%
    Asian Indian 1 $145,000 $145,000 $0 6.25%
    Chinese 1 $85,000 $85,000 $2,707 4.50%
    Other Asian 1 $65,000 $65,000 $0 4.75%

    Approval Rates

    Total approvals of all applications
    90.74%

    Bancfirst has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.73%

    Bancfirst has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    110.0 1 $25,000 $25,000
    185.0 1 $105,000 $105,000
    285.0 1 $15,000 $15,000
    310.0 2 $70,000 $35,000
    320.0 2 $30,000 $15,000
    330.0 1 $35,000 $35,000
    335.0 13 $255,000 $19,615
    346.5 1 $25,000 $25,000
    350.0 1 $5,000 $5,000
    360.0 1 $15,000 $15,000
    365.0 2 $20,000 $10,000
    387.5 1 $25,000 $25,000
    460.0 3 $85,000 $28,333
    485.0 2 $70,000 $35,000
    510.0 1 $45,000 $45,000
    585.0 1 $45,000 $45,000
    NA 5,175 $799,205,000 $154,436

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 4 $1,130,000 $282,500
    Multifamily:Site-Built 79 $65,465,000 $828,671
    Single Family (1-4 Units):Manufactured 296 $19,200,000 $64,865
    Single Family (1-4 Units):Site-Built 4,830 $714,280,000 $147,884

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 663 $57,225,000 $86,312 $1,529 4.71%
    40-60% 673 $104,345,000 $155,045 $2,671 4.05%
    60-80% 1,624 $297,800,000 $183,374 $3,093 4.01%
    80-100% 1,777 $312,965,000 $176,120 $4,004 3.76%
    Over 100% 30 $4,770,000 $159,000 $5,495 3.73%
    Under 20% 433 $17,825,000 $41,166 $608 4.88%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    BANK OF THE WEST Other type of mortgage Trouble during payment process 4 15.4%
    BANK OF THE WEST Other type of mortgage Struggling to pay mortgage 2 7.7%
    BANK OF THE WEST Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.8%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Trouble during payment process 6 23.1%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 3.8%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Closing on a mortgage 2 7.7%
    BANK OF THE WEST Conventional home mortgage Trouble during payment process 4 15.4%
    BANK OF THE WEST Conventional home mortgage Struggling to pay mortgage 1 3.8%
    BANK OF THE WEST Conventional home mortgage Incorrect information on your report 1 3.8%
    BANK OF THE WEST Conventional home mortgage Closing on a mortgage 2 7.7%
    BANK OF THE WEST Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 7.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bancfirst 15 Northwest 67th Lawton, OK 73505 Full Service B&M $23,155
    Bancfirst 1500 North Milt Phillips Avenue Seminole, OK 74868 Limited, Drive-thru $0
    Bancfirst 1616 Elk Street Duncan, OK 73533 Full Service B&M $86,694
    Bancfirst 206 W. Highway 70 Kingston, OK 73439 Full Service B&M $15,262
    Bancfirst 15300 N Western Ave Edmond, OK 73013 Full Service B&M $2,526
    Bancfirst 16 South Ninth Street Duncan, OK 73533 Full Service B&M $106,730
    Bancfirst 102 West 41st Street Sand Springs, OK 74063 Limited, Drive-thru $0
    Bancfirst 1020 West First Street Sulphur, OK 73086 Full Service B&M $70,188
    Bancfirst 1 North Broadway Inola, OK 74036 Full Service B&M $34,498
    Bancfirst 100 S. 9th St. Duncan, OK 73533 Limited, Drive-thru $0
    Bancfirst 1001 Manvel Avenue Chandler, OK 74834 Full Service B&M $89,995
    Bancfirst 1003 N Lynn Riggs Blvd Claremore, OK 74017 Full Service B&M $0
    Bancfirst 101 East Jackson Street Hugo, OK 74743 Full Service B&M $38,595
    Bancfirst 101 North Broadway, Suite 200 Oklahoma City, OK 73102 Full Service B&M $892,685
    Bancfirst 101 North Main Street Blackwell, OK 74631 Full Service B&M $65,525
    Bancfirst 1015 S. Main Street Grove, OK 74344 Full Service B&M $6,798
    Bancfirst 1025 W Will Rogers Blvd Claremore, OK 74017 Full Service B&M $0
    Bancfirst 10279 S. Memorial Tulsa, OK 74133 Full Service B&M $19,742
    Bancfirst 105 S.W. Second Ave Marietta, OK 73448 Full Service B&M $70,019
    Bancfirst 105 W. 4th Street Hobart, OK 73651 Full Service B&M $40,205
    Bancfirst 110 West Ketchum Avenue Ketchum, OK 74349 Full Service B&M $25,041
    Bancfirst 110 West Smith Street Stratford, OK 74872 Full Service B&M $31,415
    Bancfirst 11001 N. May Oklahoma City, OK 73120 Full Service B&M $48,904
    Bancfirst 111 Casaver Street Wagoner, OK 74467 Full Service B&M $92,649
    Bancfirst 1111 North Lincoln Boulevard Oklahoma City, OK 73105 Full Service B&M $52,601
    Bancfirst 1117 24th Avenue Norman, OK 73069 Limited, Drive-thru $0
    Bancfirst 112 South Ash Luther, OK 73054 Limited, Drive-thru $0
    Bancfirst 117 West Eighth Street Stillwater, OK 74074 Limited, Drive-thru $0
    Bancfirst 120 South Mustang Road Yukon, OK 73099 Full Service B&M $34,032
    Bancfirst 1200 Childrens Avenue Oklahoma City, OK 73104 Full Service B&M $4,564
    Bancfirst 1201 West Main Norman, OK 73069 Full Service B&M $168,943
    Bancfirst 1204 E. Ross Street Tahlequah, OK 74464 Limited, Drive-thru $0
    Bancfirst 1213 Gordon Cooper Drive Tecumseh, OK 74873 Full Service B&M $38,466
    Bancfirst 122 North Broadway Weatherford, OK 73096 Full Service B&M $69,699
    Bancfirst 124 South Main Street Kingfisher, OK 73750 Full Service B&M $181,711
    Bancfirst 124 West Blackwell Avenue Blackwell, OK 74631 Limited, Drive-thru $0
    Bancfirst 124 West Sheridan Kingfisher, OK 73750 Limited, Drive-thru $0
    Bancfirst 1264 S Bryant Edmond, OK 73034 Full Service B&M $133,246
    Bancfirst 128 West Main Street Marlow, OK 73055 Full Service B&M $101,863
    Bancfirst 12924 Ne 23rd St. Nicoma Park, OK 73066 Full Service B&M $60,415
    Bancfirst 130 North Broadway Marlow, OK 73055 Limited, Drive-thru $0
    Bancfirst 130 South Muskogee Avenue Tahlequah, OK 74464 Full Service B&M $127,879
    Bancfirst 1698 S Lynn Riggs Blvd Claremore, OK 74017 Full Service B&M $167,985
    Bancfirst 1917 North Commerce Ardmore, OK 73402 Limited, Drive-thru $0
    Bancfirst 19280 E. Highway 66 Luther, OK 73054 Full Service B&M $29,667
    Bancfirst 1939 North Harrison Street Shawnee, OK 74801 Full Service B&M $340,241
    Bancfirst 19979 N.E. 23rd Street Harrah, OK 73045 Full Service B&M $74,765
    Bancfirst 200 East Main Street Jenks, OK 74037 Full Service B&M $81,260
    Bancfirst 200 North Main Frederick, OK 73542 Full Service B&M $90,936
    Bancfirst 2000 South Country Club Road El Reno, OK 73036 Full Service B&M $124,103
    Bancfirst 201 South Main Frederick, OK 73542 Limited, Drive-thru $0
    Bancfirst 201 W, Chickasaw Marietta, OK 73448 Limited, Drive-thru $0
    Bancfirst 202 West Oklahoma Street Guthrie, OK 73044 Full Service B&M $105,233
    Bancfirst 2020 South Muskogee Tahlequah, OK 74464 Limited, Drive-thru $0
    Bancfirst 205 North Main Street Union City, OK 73090 Full Service B&M $46,969
    Bancfirst 2125 N. Kelly Avenue Edmond, OK 73003 Full Service B&M $25,540
    Bancfirst 220 N. Broadway Oklahoma City, OK 73102 Full Service B&M $11,719
    Bancfirst 220 S. Bickford El Reno, OK 73036 Full Service B&M $49,773
    Bancfirst 2204 Ferris Avenue Lawton, OK 73501 Full Service B&M $7,475
    Bancfirst 224 N. Division Guthrie, OK 73044 Limited, Drive-thru $0
    Bancfirst 230 South Broadway Konawa, OK 74849 Full Service B&M $21,166
    Bancfirst 2400 East Shawnee Avenue Muskogee, OK 74401 Full Service B&M $153,772
    Bancfirst 2500 South Cornwell Drive Yukon, OK 73099 Full Service B&M $102,309
    Bancfirst 26205 S Highway 66 Claremore, OK 74019 Full Service B&M $21,755
    Bancfirst 2809 E. 101st Street Tulsa, OK 74137 Full Service B&M $10,967
    Bancfirst 2930 Sw 134th Oklahoma City, OK 73170 Full Service B&M $29,394
    Bancfirst 300 Se Frank Phillips Boulevard Bartlesville, OK 74003 Full Service B&M $83,175
    Bancfirst 301 East Second Sand Springs, OK 74063 Full Service B&M $120,995
    Bancfirst 302 N. Broadway Shawnee, OK 74801 Limited, Drive-thru $0
    Bancfirst 302 S. First Madill, OK 73446 Full Service B&M $67,317
    Bancfirst 309-311 Church Street Wagoner, OK 74467 Limited, Drive-thru $0
    Bancfirst 310 West Main Street Ardmore, OK 73401 Limited, Drive-thru $0
    Bancfirst 310 West Main Street Ardmore, OK 73401 Full Service B&M $286,188
    Bancfirst 333 12th Avenue, S.E. Norman, OK 73071 Full Service B&M $42,455
    Bancfirst 3443 North Kickapoo Street Shawnee, OK 74804 Limited, Drive-thru $0
    Bancfirst 3601 West Okmulgee Muskogee, OK 74403 Limited, Drive-thru $0
    Bancfirst 3801 N.W. Cache Road Lawton, OK 73505 Full Service B&M $100,256
    Bancfirst 394 East 141st Street Glenpool, OK 74033 Full Service B&M $43,326
    Bancfirst 401 South Broadway Hobart, OK 73651 Limited, Drive-thru $0
    Bancfirst 402 West 9th Street Paden, OK 74860 Full Service B&M $5,592
    Bancfirst 402 West Broadway Okemah, OK 74859 Full Service B&M $85,622
    Bancfirst 410 Piedmont Rd Piedmont, OK 73078 Full Service B&M $5,446
    Bancfirst 4200 South Sunnylane Road Del City, OK 73155 Full Service B&M $90,406
    Bancfirst 608 S. George Nigh Expressway Mcalester, OK 74501 Full Service B&M $14,779
    Bancfirst 4500 West Memorial Road Oklahoma City, OK 73142 Full Service B&M $88,674
    Bancfirst 4901 East 41st Street Tulsa, OK 74135 Limited, Drive-thru $0
    Bancfirst 501 C Avenue Lawton, OK 73501 Limited, Drive-thru $0
    Bancfirst 501 C Avenue Lawton, OK 73501 Full Service B&M $126,925
    Bancfirst 501 East Carl Albert Parkway Mcalester, OK 74501 Full Service B&M $119,791
    Bancfirst 501 North Main Muskogee, OK 74401 Limited, Drive-thru $0
    Bancfirst 505 East Hall Of Fame Avenue Stillwater, OK 74074 Limited, Drive-thru $0
    Bancfirst 508 West Broadway Mcloud, OK 74851 Full Service B&M $46,937
    Bancfirst 5605 Se 15th Midwest City, OK 73110 Full Service B&M $20,779
    Bancfirst 5623 South Lewis Tulsa, OK 74105 Full Service B&M $34,207
    Bancfirst 600 Northwest 5th Street Moore, OK 73160 Full Service B&M $141,508
    Bancfirst 601 West Main Meeker, OK 74855 Full Service B&M $34,563
    Bancfirst 602 West Main Stroud, OK 74079 Full Service B&M $55,661
    Bancfirst 620 East State Highway 152 Mustang, OK 73064 Full Service B&M $15,754
    Bancfirst 6200 Waterford Boulevard Oklahoma City, OK 73102 Full Service B&M $217,850
    Bancfirst 701 Sw 19th St. Moore, OK 73160 Full Service B&M $23,655
    Bancfirst 702 E. Memorial Oklahoma City, OK 73114 Full Service B&M $36,228
    Bancfirst 7625 East 51st Street Tulsa, OK 74101 Full Service B&M $516,177
    Bancfirst 7701 South Sooner Road Oklahoma City, OK 73135 Full Service B&M $19,386
    Bancfirst 7901 North Macarthur Boulevard Oklahoma City, OK 73132 Full Service B&M $90,424
    Bancfirst 800 East Main Street Tishomingo, OK 73460 Full Service B&M $19,423
    Bancfirst 808 South Main Street Stillwater, OK 74074 Full Service B&M $322,416
    Bancfirst 809 South Cornell Parkway Oklahoma City, OK 73108 Full Service B&M $39,506
    Bancfirst 823 Steele Avenue Chandler, OK 74834 Limited, Drive-thru $55,493
    Bancfirst 8822 S. Yale Tulsa, OK 74137 Full Service B&M $43,925
    Bancfirst 9285 North Hiwassee Road Jones, OK 73049 Full Service B&M $37,170
    Bancfirst 9335 S. Pennsylvania Oklahoma City, OK 73159 Full Service B&M $210,432
    Bancfirst Broadway And Second Streets Seminole, OK 74868 Full Service B&M $87,560
    Bancfirst Highway 51 And Broadway Coweta, OK 74429 Full Service B&M $73,696
    Bancfirst Main Street And Broadway Prague, OK 74864 Full Service B&M $122,456
    Bancfirst Santa Fe And U.S. Highway 177 Carney, OK 74832 Full Service B&M $17,661
    Bancfirst W 1st St & S Barta Prague, OK 74864 Limited, Mobile/Seasonal Office $0

    For 2020, Bancfirst had 116 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $302,607
    Net interest income $285,966
    Total noninterest income $118,971
    Gross Fiduciary activities income $13,130
    Service charges on deposit accounts $33,532
    Trading account gains and fees $0
    Additional Noninterest Income $72,309
    Pre-tax net operating income $116,965
    Securities gains (or losses, -) $50
    Income before extraordinary items $93,159
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $93,159
    Minority interest net income $0
    Net income $93,159
    Sale, conversion, retirement of capital stock, net $1,163
    Net operating income $93,119

    Bancfirst's gross interest income from loans was $302,607,000.
    Bancfirst's net interest income from loans was $285,966,000.
    Bancfirst's fee based income from loans was $33,532,000.
    Bancfirst's net income from loans was $93,159,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $16,641
    Provision for credit losses $60,763
    Total noninterest expense $227,209
    Salaries and employee benefits $140,090
    Premises and equipment expense $28,193
    Additional noninterest expense $58,926
    Applicable income taxes $23,856
    Net charge-offs $22,411
    Cash dividends $46,814

    Bancfirst's interest expense for loans was $16,641,000.
    Bancfirst's payroll and benefits expense were $140,090,000.
    Bancfirst's property, plant and equipment expenses $28,193,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $7,232,212
    Deposits held in domestic offices $7,232,212
    Deposits by Individuals, partnerships, and corporations $6,949,383
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $274,568
    Deposits by Commercial banks and other depository institutions in U.S. $8,261
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $4,155,044
    Demand deposits $3,496,039
    Nontransaction accounts $3,077,168
    Money market deposit accounts (MMDAs) $1,557,031
    Other savings deposits (excluding MMDAs) $882,135
    Total time deposits $638,002
    Total time and savings deposits $3,736,173
    Noninterest-bearing deposits $3,506,835
    Interest-bearing deposits $3,725,377
    Retail deposits $7,114,614
    IRAs and Keogh plan accounts $133,437
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $8,195,430
    Cash & Balances due from depository institutions $1,313,520
    Interest-bearing balances $1,059,690
    Total securities $513,524
    Federal funds sold & reverse repurchase $0
    Net loans and leases $5,806,867
    Loan and leases loss allowance $86,810
    Trading account assets $0
    Bank premises and fixed assets $242,520
    Other real estate owned $31,986
    Goodwill and other intangibles $84,693
    All other assets $202,320

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $8,195,430
    Total Liabilities $7,277,173
    Total deposits $7,232,212
    Interest-bearing deposits $3,725,377
    Deposits held in domestic offices $7,232,212
    % insured (estimated) $93
    Federal funds purchased and repurchase agreements $1,100
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $43,861

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $5,806,867
    Loan and leases loss allowance $86,810
    Total loans and leases (domestic) $5,893,677
    All real estate loans $3,450,597
    Real estate loans in domestic offices $3,450,597
    Construction and development loans $436,344
    Residential 1-4 family construction $206,722
    Other construction, all land development and other land $229,622
    Loans secured by nonfarm nonresidential properties $1,573,180
    Nonfarm nonresidential secured by owner-occupied properties $725,428
    Commercial real estate & other non-farm, non-residential $847,752
    Multifamily residential real estate $124,726
    1-4 family residential loans $1,058,760
    Farmland loans $257,587
    Loans held in foreign offices $0
    Farm loans $125,768
    Commercial and industrial loans $1,793,534
    To non-U.S. addressees $0
    Loans to individuals $362,555
    Credit card loans $12
    Related Plans $8,049
    Consumer Auto Loans $217,652
    Other loans to individuals $136,842
    All other loans & leases $161,223
    Loans to foreign governments and official institutions $0
    Other loans $34,684
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $93,371
    Loans secured by real estate to non-U.S. addressees $1,523
    Restructured Loans & leases $6,737
    Non 1-4 family restructured loans & leases $5,737
    Total loans and leases (foreign) $0

    BancFirst had $5,806,867,000 of loans outstanding in 2020. $3,450,597,000 of loans were in real estate loans. $436,344,000 of loans were in development loans. $124,726,000 of loans were in multifamily mortgage loans. $1,058,760,000 of loans were in 1-4 family mortgage loans. $125,768,000 of loans were in farm loans. $12,000 of loans were in credit card loans. $217,652,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 2,349 $432,821 $184,258
    Nonfarm, nonresidential loans - <$100k 754 $29,656 $39,332
    Nonfarm, nonresidential loans - $100-250k 758 $92,933 $122,603
    Nonfarm, nonresidential loans - $250k-1MM 837 $310,232 $370,648
    Commercial & Industrial, US addressed loans - <$1MM 6,552 $284,805 $43,468
    Commercial & Industrial, US addressed loans - <$100k 5,363 $112,322 $20,944
    Commercial & Industrial, US addressed loans - $100-250k 708 $63,023 $89,016
    Commercial & Industrial, US addressed loans - $250k-1MM 481 $109,460 $227,568
    Farmland loans - <$1MM 1,699 $167,199 $98,410
    Farmland loans - <$100k 912 $36,688 $40,228
    Farmland loans - $100-250k 582 $73,569 $126,407
    Farmland loans - $250k-1MM 205 $56,942 $277,766
    Agriculture operations loans - <$1MM 3,093 $91,133 $29,464
    Agriculture operations loans - <$100k 2,740 $46,973 $17,143
    Agriculture operations loans - $100-250k 250 $22,476 $89,904
    Agriculture operations loans - $250k-1MM 103 $21,684 $210,524