Bancfirst Mortgage Rates, Fees & Info
Oklahoma City, OKLEI: 549300MNZECUR067HB12
Tax ID: 73-1332918
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Mortgage Data
Bank Data
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 an average proportion of FHA loans. 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 41 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
---|---|---|
Home Equity Line of Credit (HELOC) | 6.35% | 10/29/24 |
30 Year Conventional Purchase | 6.76% | 10/29/24 |
30 Year Conventional Refi | 6.81% | 10/29/24 |
30 Year Cash-out Refi | 7.11% | 10/29/24 |
30 Year FHA Purchase | 7.58% | 10/29/24 |
30 Year FHA Refi | 7.17% | 10/29/24 |
30 Year VA Purchase | 6.35% | 10/29/24 |
30 Year USDA Purchase | 6.97% | 10/29/24 |
15 Year Conventional Purchase | 6.93% | 10/29/24 |
15 Year Conventional Refi | 7.17% | 10/29/24 |
15 Year Cash-out Refi | 7.17% | 10/29/24 |
15 Year FHA Purchase | 6.50% | 10/29/24 |
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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
4,544Origination Dollar Volume (All Markets)
$700,820,000Employee count
1,799 Show all (20) awardsBancFirst - 2021
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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) | 1,563 | $253,655,000 | $162,287 | $3,208 | 4.03% |
TULSA, OK (FHA|USDA|VA) | 754 | $135,650,000 | $179,907 | $3,539 | 3.85% |
Outside of Metro Areas | 533 | $65,895,000 | $123,630 | $3,132 | 4.27% |
Stillwater, OK (FHA|USDA|VA) | 246 | $45,380,000 | $184,472 | $3,363 | 3.66% |
LAWTON, OK (FHA|USDA|VA) | 235 | $33,415,000 | $142,191 | $2,709 | 3.82% |
Shawnee, OK (FHA|USDA|VA) | 193 | $26,855,000 | $139,145 | $3,171 | 3.91% |
Tahlequah, OK (FHA|USDA|VA) | 179 | $23,945,000 | $133,771 | $3,853 | 3.93% |
Duncan, OK (FHA|USDA|VA) | 213 | $23,425,000 | $109,977 | $2,687 | 4.09% |
Ardmore, OK (FHA|USDA|VA) | 149 | $21,185,000 | $142,181 | $3,305 | 4.44% |
Muskogee, OK (FHA|USDA|VA) | 133 | $14,585,000 | $109,662 | $3,466 | 3.92% |
Weatherford, OK (FHA|USDA|VA) | 84 | $14,440,000 | $171,905 | $4,567 | 3.38% |
McAlester, OK (FHA|USDA|VA) | 91 | $11,195,000 | $123,022 | $3,091 | 4.29% |
Bartlesville, OK (FHA|USDA|VA) | 43 | $8,405,000 | $195,465 | $3,664 | 4.04% |
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $3,330,000 | $1,665,000 | $0 | 3.81% |
Ponca City, OK (FHA|USDA|VA) | 36 | $2,940,000 | $81,667 | $3,762 | 4.23% |
ENID, OK (FHA|USDA|VA) | 21 | $2,795,000 | $133,095 | $3,632 | 4.27% |
FORT SMITH, AR-OK (FHA|USDA|VA) | 15 | $2,375,000 | $158,333 | $3,156 | 3.70% |
Ada, OK (FHA|USDA|VA) | 10 | $1,360,000 | $136,000 | $2,625 | 4.14% |
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $918 | 3.38% |
Rexburg, ID (FHA|USDA|VA) | 1 | $1,085,000 | $1,085,000 | $0 | 3.25% |
Altus, OK (FHA|USDA|VA) | 8 | $1,080,000 | $135,000 | $3,781 | 3.84% |
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $1,070,000 | $535,000 | $5,631 | 3.88% |
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $0 | 3.98% |
ANN ARBOR, MI (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $3,649 | 3.50% |
Edwards, CO (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $0 | 3.88% |
Durant, OK (FHA|USDA|VA) | 5 | $475,000 | $95,000 | $2,018 | 3.83% |
Miami, OK (FHA|USDA|VA) | 4 | $450,000 | $112,500 | $3,902 | 4.00% |
Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 3.68% |
SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,371 | 4.75% |
Elk City, OK (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $3,700 | 3.83% |
Durango, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 3.25% |
Woodward, OK (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $4,887 | 4.25% |
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,013 | 4.38% |
LAWRENCE, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.25% |
Branson, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.50% |
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,621 | 5.38% |
Steamboat Springs, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.25% |
MIDLAND, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.75% |
SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,743 | 3.75% |
Gainesville, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.25% |
WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 3.25% |
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.
Similarity Rank: 124
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Similarity Rank: 550
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Similarity Rank: 678
Similarity Rank: 950
Product Mix
For 2021, Bancfirst's most frequently originated type of loan was Conventional, with 3,580 originations. Their 2nd most popular type was HELOC, with 546 originations.
Loan Reason
For 2021, Bancfirst's most frequently cited loan purpose was Home Purchase, with 2,413 originations. The 2nd most popular reason was Refi, with 1,174 originations.
Loan Duration/Length
For 2021, Bancfirst's most frequently cited loan duration was 30 Year, with 1,326 originations. The 2nd most popular length was 15 Year, with 788 originations.
Origination Fees/Closing Costs
Bancfirst's average total fees were $4,420, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,157 originations.
Interest Rates
During 2021, Bancfirst's average interest rate for loans was 3.01%, while their most frequently originated rate bucket for loans was 4-5%, with 1,672 originations.
Loan Sizing
2021 saw Bancfirst place emphasis on $100,000 or less loans with 1,991 originations, totaling $108,425,000 in origination value.
Applicant Income
Bancfirst lent most frequently to those with incomes in the $50k or less range, with 788 originations. The second most popular income band? $50k-75k, with 783 originations.
Applicant Debt to Income Ratio
Bancfirst lent most frequently to those with DTI ratios of 20-30%, with 917 originations. The next most common DTI ratio? 30-36%, with 626 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.20%
Bancfirst has an average approval rate.
Pick Rate
Approvals leading to origination86.20%
Bancfirst has an average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
0.0 | 2 | $20,000 | $10,000 |
115.0 | 1 | $25,000 | $25,000 |
119.0 | 1 | $25,000 | $25,000 |
2810.0 | 1 | $255,000 | $255,000 |
285.0 | 4 | $80,000 | $20,000 |
310.0 | 4 | $130,000 | $32,500 |
325.0 | 1 | $35,000 | $35,000 |
335.0 | 3 | $75,000 | $25,000 |
337.5 | 1 | $15,000 | $15,000 |
344.0 | 2 | $30,000 | $15,000 |
346.5 | 1 | $15,000 | $15,000 |
360.0 | 2 | $40,000 | $20,000 |
410.0 | 1 | $15,000 | $15,000 |
460.0 | 5 | $235,000 | $47,000 |
485.0 | 1 | $45,000 | $45,000 |
580.0 | 1 | $5,000 | $5,000 |
585.0 | 1 | $45,000 | $45,000 |
610.0 | 2 | $90,000 | $45,000 |
635.0 | 2 | $80,000 | $40,000 |
645.0 | 1 | $35,000 | $35,000 |
NA | 4,507 | $699,525,000 | $155,209 |
LTV Distribution
Complaints
Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
BANK OF THE WEST | Other type of mortgage | Struggling to pay mortgage | 1 | 3.3% |
BANK OF THE WEST | Other type of mortgage | Closing on a mortgage | 1 | 3.3% |
BANK OF THE WEST | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 3.3% |
BANK OF THE WEST | Home equity loan or line of credit (HELOC) | Trouble during payment process | 3 | 10.0% |
BANK OF THE WEST | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 4 | 13.3% |
BANK OF THE WEST | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 2 | 6.7% |
BANK OF THE WEST | FHA mortgage | Trouble during payment process | 1 | 3.3% |
BANK OF THE WEST | Conventional home mortgage | Trouble during payment process | 6 | 20.0% |
BANK OF THE WEST | Conventional home mortgage | Struggling to pay mortgage | 2 | 6.7% |
BANK OF THE WEST | Conventional home mortgage | Closing on a mortgage | 1 | 3.3% |
BANK OF THE WEST | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 5 | 16.7% |
BANK OF THE WEST | VA mortgage | Trouble during payment process | 1 | 3.3% |
BANK OF THE WEST | Other type of mortgage | Trouble during payment process | 2 | 6.7% |
Bank Details
Branches
Bank Name | Branch | Branch Type | Deposits (000's) |
---|---|---|---|
Bancfirst | 2020 South Muskogee Tahlequah, OK 74464 | Limited, Drive-thru | $0 |
Bancfirst | 401 South Broadway Hobart, OK 73651 | Limited, Drive-thru | $0 |
Bancfirst | 402 West 9th Street Paden, OK 74860 | Full Service B&M | $5,167 |
Bancfirst | 1 North Broadway Inola, OK 74036 | Full Service B&M | $36,743 |
Bancfirst | 100 N Broadway Ave Oklahoma City, OK 73102 | Full Service B&M | $1,149,332 |
Bancfirst | 100 S. 9th St. Duncan, OK 73533 | Limited, Drive-thru | $0 |
Bancfirst | 1001 Manvel Avenue Chandler, OK 74834 | Full Service B&M | $104,520 |
Bancfirst | 1003 N Lynn Riggs Blvd Claremore, OK 74017 | Full Service B&M | $0 |
Bancfirst | 101 North Main Street Blackwell, OK 74631 | Full Service B&M | $77,429 |
Bancfirst | 102 West 41st Street Sand Springs, OK 74063 | Limited, Drive-thru | $0 |
Bancfirst | 102 West Illinois Vinita, OK 74301 | Full Service B&M | $153,215 |
Bancfirst | 1020 West First Street Sulphur, OK 73086 | Full Service B&M | $71,534 |
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 | $23,331 |
Bancfirst | 105 S.W. Second Ave Marietta, OK 73448 | Full Service B&M | $72,354 |
Bancfirst | 105 W. 4th Street Hobart, OK 73651 | Full Service B&M | $46,182 |
Bancfirst | 110 West Ketchum Avenue Ketchum, OK 74349 | Full Service B&M | $31,861 |
Bancfirst | 110 West Smith Street Stratford, OK 74872 | Full Service B&M | $34,791 |
Bancfirst | 11001 N. May Oklahoma City, OK 73120 | Full Service B&M | $55,619 |
Bancfirst | 111 Casaver Street Wagoner, OK 74467 | Full Service B&M | $93,093 |
Bancfirst | 1111 North Lincoln Boulevard Oklahoma City, OK 73105 | Full Service B&M | $55,821 |
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 | $38,322 |
Bancfirst | 1500 North Milt Phillips Avenue Seminole, OK 74868 | Limited, Drive-thru | $0 |
Bancfirst | 1200 Childrens Avenue Oklahoma City, OK 73104 | Full Service B&M | $4,870 |
Bancfirst | 1201 West Main Norman, OK 73069 | Full Service B&M | $196,223 |
Bancfirst | 1204 E. Ross Street Tahlequah, OK 74464 | Limited, Drive-thru | $0 |
Bancfirst | 1213 Gordon Cooper Drive Tecumseh, OK 74873 | Full Service B&M | $43,870 |
Bancfirst | 122 North Broadway Weatherford, OK 73096 | Full Service B&M | $78,675 |
Bancfirst | 124 South Main Street Kingfisher, OK 73750 | Full Service B&M | $193,862 |
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 | $164,933 |
Bancfirst | 128 West Main Street Marlow, OK 73055 | Full Service B&M | $109,353 |
Bancfirst | 12924 Ne 23rd St. Nicoma Park, OK 73066 | Full Service B&M | $68,433 |
Bancfirst | 130 North Broadway Marlow, OK 73055 | Limited, Drive-thru | $0 |
Bancfirst | 130 South Muskogee Avenue Tahlequah, OK 74464 | Full Service B&M | $153,941 |
Bancfirst | 15 Northwest 67th Lawton, OK 73505 | Full Service B&M | $24,765 |
Bancfirst | 15300 N Western Ave Edmond, OK 73013 | Full Service B&M | $6,966 |
Bancfirst | 16 South Ninth Street Duncan, OK 73533 | Full Service B&M | $112,052 |
Bancfirst | 1616 Elk Street Duncan, OK 73533 | Full Service B&M | $98,337 |
Bancfirst | 1698 S Lynn Riggs Blvd Claremore, OK 74017 | Full Service B&M | $183,592 |
Bancfirst | 1917 North Commerce Ardmore, OK 73402 | Limited, Drive-thru | $0 |
Bancfirst | 19280 E. Highway 66 Luther, OK 73054 | Full Service B&M | $38,663 |
Bancfirst | 1939 North Harrison Street Shawnee, OK 74801 | Full Service B&M | $366,395 |
Bancfirst | 19979 N.E. 23rd Street Harrah, OK 73045 | Full Service B&M | $86,425 |
Bancfirst | 200 East Main Street Jenks, OK 74037 | Full Service B&M | $96,948 |
Bancfirst | 200 North Main Frederick, OK 73542 | Full Service B&M | $108,391 |
Bancfirst | 2000 South Country Club Road El Reno, OK 73036 | Full Service B&M | $128,393 |
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 | $111,455 |
Bancfirst | 205 North Main Street Union City, OK 73090 | Full Service B&M | $49,897 |
Bancfirst | 206 W. Highway 70 Kingston, OK 73439 | Full Service B&M | $19,610 |
Bancfirst | 2125 N. Kelly Avenue Edmond, OK 73003 | Full Service B&M | $25,973 |
Bancfirst | 220 N. Broadway Oklahoma City, OK 73102 | Full Service B&M | $11,561 |
Bancfirst | 220 S. Bickford El Reno, OK 73036 | Full Service B&M | $51,056 |
Bancfirst | 2204 Ferris Avenue Lawton, OK 73501 | Full Service B&M | $8,599 |
Bancfirst | 224 N. Division Guthrie, OK 73044 | Limited, Drive-thru | $0 |
Bancfirst | 230 South Broadway Konawa, OK 74849 | Full Service B&M | $20,786 |
Bancfirst | 235 North Wilson Street Vinita, OK 74301 | Limited, Drive-thru | $0 |
Bancfirst | 2400 East Shawnee Avenue Muskogee, OK 74401 | Full Service B&M | $173,404 |
Bancfirst | 2500 South Cornwell Drive Yukon, OK 73099 | Full Service B&M | $118,477 |
Bancfirst | 26205 S Highway 66 Claremore, OK 74019 | Full Service B&M | $21,260 |
Bancfirst | 2809 E. 101st Street Tulsa, OK 74137 | Full Service B&M | $14,726 |
Bancfirst | 2930 Sw 134th Oklahoma City, OK 73170 | Full Service B&M | $36,773 |
Bancfirst | 300 Se Frank Phillips Boulevard Bartlesville, OK 74003 | Full Service B&M | $99,085 |
Bancfirst | 301 East Second Sand Springs, OK 74063 | Full Service B&M | $123,977 |
Bancfirst | 302 N. Broadway Shawnee, OK 74801 | Limited, Drive-thru | $0 |
Bancfirst | 302 S. First Madill, OK 73446 | Full Service B&M | $77,065 |
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 | $315,213 |
Bancfirst | 32 W 13th Street Grove, OK 74344 | Full Service B&M | $86,987 |
Bancfirst | 333 12th Avenue, S.E. Norman, OK 73071 | Full Service B&M | $58,141 |
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 | $122,461 |
Bancfirst | 394 East 141st Street Glenpool, OK 74033 | Full Service B&M | $51,289 |
Bancfirst | 402 West Broadway Okemah, OK 74859 | Full Service B&M | $92,487 |
Bancfirst | 410 Piedmont Rd Piedmont, OK 73078 | Full Service B&M | $6,121 |
Bancfirst | 4200 South Sunnylane Road Del City, OK 73155 | Full Service B&M | $96,719 |
Bancfirst | 4500 West Memorial Road Oklahoma City, OK 73142 | Full Service B&M | $95,171 |
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 | $138,452 |
Bancfirst | 501 East Carl Albert Parkway Mcalester, OK 74501 | Full Service B&M | $126,030 |
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 | $54,632 |
Bancfirst | 5605 Se 15th Midwest City, OK 73110 | Full Service B&M | $30,441 |
Bancfirst | 5623 South Lewis Tulsa, OK 74105 | Full Service B&M | $33,425 |
Bancfirst | 600 Northwest 5th Street Moore, OK 73160 | Full Service B&M | $160,229 |
Bancfirst | 601 West Main Meeker, OK 74855 | Full Service B&M | $38,295 |
Bancfirst | 602 West Main Stroud, OK 74079 | Full Service B&M | $55,100 |
Bancfirst | 608 S. George Nigh Expressway Mcalester, OK 74501 | Full Service B&M | $15,455 |
Bancfirst | 620 East State Highway 152 Mustang, OK 73064 | Full Service B&M | $17,873 |
Bancfirst | 6200 Waterford Boulevard Oklahoma City, OK 73102 | Full Service B&M | $226,638 |
Bancfirst | 701 Sw 19th St. Moore, OK 73160 | Full Service B&M | $29,038 |
Bancfirst | 702 E. Memorial Oklahoma City, OK 73114 | Full Service B&M | $41,430 |
Bancfirst | 7625 East 51st Street Tulsa, OK 74101 | Full Service B&M | $522,591 |
Bancfirst | 7701 South Sooner Road Oklahoma City, OK 73135 | Full Service B&M | $22,935 |
Bancfirst | 7901 North Macarthur Boulevard Oklahoma City, OK 73132 | Full Service B&M | $100,296 |
Bancfirst | 800 East Main Street Tishomingo, OK 73460 | Full Service B&M | $23,920 |
Bancfirst | 808 South Main Street Stillwater, OK 74074 | Full Service B&M | $368,778 |
Bancfirst | 809 South Cornell Parkway Oklahoma City, OK 73108 | Full Service B&M | $42,528 |
Bancfirst | 823 Steele Avenue Chandler, OK 74834 | Limited, Drive-thru | $50,288 |
Bancfirst | 8822 S. Yale Tulsa, OK 74137 | Full Service B&M | $44,658 |
Bancfirst | 9285 North Hiwassee Road Jones, OK 73049 | Full Service B&M | $43,511 |
Bancfirst | 9335 S. Pennsylvania Oklahoma City, OK 73159 | Full Service B&M | $194,196 |
Bancfirst | Broadway And Second Streets Seminole, OK 74868 | Full Service B&M | $97,038 |
Bancfirst | Highway 51 And Broadway Coweta, OK 74429 | Full Service B&M | $88,272 |
Bancfirst | Main Street And Broadway Prague, OK 74864 | Full Service B&M | $141,234 |
Bancfirst | Santa Fe And U.S. Highway 177 Carney, OK 74832 | Full Service B&M | $18,145 |
Bancfirst | W 1st St & S Barta Prague, OK 74864 | Limited, Mobile/Seasonal Office | $0 |
For 2021, Bancfirst had 116 branches.
Yearly Performance Overview
Bank Income
Item | Value (in 000's) |
---|---|
Total interest income | $299,989 |
Net interest income | $293,208 |
Total noninterest income | $145,385 |
Gross Fiduciary activities income | $12,912 |
Service charges on deposit accounts | $33,607 |
Trading account gains and fees | $0 |
Additional Noninterest Income | $98,866 |
Pre-tax net operating income | $198,712 |
Securities gains (or losses, -) | $496 |
Income before extraordinary items | $157,339 |
Discontinued Operations (Extraordinary gains, net) | $0 |
Net income of bank and minority interests | $157,339 |
Minority interest net income | $0 |
Net income | $157,339 |
Sale, conversion, retirement of capital stock, net | $-3,797 |
Net operating income | $156,947 |
Bancfirst's gross interest income from loans was $299,989,000.
Bancfirst's net interest income from loans was $293,208,000.
Bancfirst's fee based income from loans was $33,607,000.
Bancfirst's net income from loans was $157,339,000.
Bank Expenses
Item | Value (in 000's) |
---|---|
Total interest expense | $6,781 |
Provision for credit losses | $-10,180 |
Total noninterest expense | $250,061 |
Salaries and employee benefits | $139,324 |
Premises and equipment expense | $32,395 |
Additional noninterest expense | $78,342 |
Applicable income taxes | $41,869 |
Net charge-offs | $7,040 |
Cash dividends | $50,423 |
Bancfirst's interest expense for loans was $6,781,000.
Bancfirst's payroll and benefits expense were $139,324,000.
Bancfirst's property, plant and equipment expenses $32,395,000.
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 | $7,203,280 |
Deposits held in domestic offices | $7,203,280 |
Deposits by Individuals, partnerships, and corporations | $6,996,883 |
Deposits by U.S. Government | $8 |
Deposits by States and political subdivisions in the U.S. | $200,975 |
Deposits by Commercial banks and other depository institutions in U.S. | $5,414 |
Deposits by Banks in foreign countries | $0 |
Deposits by Foreign governments and official institutions | $0 |
Transaction accounts | $4,017,491 |
Demand deposits | $3,294,656 |
Nontransaction accounts | $3,185,789 |
Money market deposit accounts (MMDAs) | $1,511,296 |
Other savings deposits (excluding MMDAs) | $1,070,857 |
Total time deposits | $603,636 |
Total time and savings deposits | $3,908,624 |
Noninterest-bearing deposits | $3,363,820 |
Interest-bearing deposits | $3,839,460 |
Retail deposits | $7,081,777 |
IRAs and Keogh plan accounts | $133,834 |
Brokered deposits | $0 |
Deposits held in foreign offices | $0 |
Assets
Asset | Value (in 000's) |
---|---|
Total Assets | $8,265,835 |
Cash & Balances due from depository institutions | $1,784,024 |
Interest-bearing balances | $1,576,809 |
Total securities | $494,499 |
Federal funds sold & reverse repurchase | $800 |
Net loans and leases | $5,393,854 |
Loan and leases loss allowance | $77,889 |
Trading account assets | $0 |
Bank premises and fixed assets | $250,163 |
Other real estate owned | $39,287 |
Goodwill and other intangibles | $84,474 |
All other assets | $218,734 |
Liabilities
Liabilities | Value (in 000's) |
---|---|
Total liabilities and capital | $8,265,835 |
Total Liabilities | $7,249,317 |
Total deposits | $7,203,280 |
Interest-bearing deposits | $3,839,460 |
Deposits held in domestic offices | $7,203,280 |
% insured (estimated) | $94 |
Federal funds purchased and repurchase agreements | $0 |
Trading liabilities | $0 |
Other borrowed funds | $0 |
Subordinated debt | $0 |
All other liabilities | $46,037 |
Issued Loan Types
Type | Value (in 000's) |
---|---|
Net loans and leases | $5,393,854 |
Loan and leases loss allowance | $77,889 |
Total loans and leases (domestic) | $5,471,743 |
All real estate loans | $3,556,656 |
Real estate loans in domestic offices | $3,556,656 |
Construction and development loans | $550,053 |
Residential 1-4 family construction | $236,371 |
Other construction, all land development and other land | $313,682 |
Loans secured by nonfarm nonresidential properties | $1,582,275 |
Nonfarm nonresidential secured by owner-occupied properties | $741,618 |
Commercial real estate & other non-farm, non-residential | $840,657 |
Multifamily residential real estate | $98,598 |
1-4 family residential loans | $1,053,758 |
Farmland loans | $271,972 |
Loans held in foreign offices | $0 |
Farm loans | $144,681 |
Commercial and industrial loans | $1,161,089 |
To non-U.S. addressees | $0 |
Loans to individuals | $389,377 |
Credit card loans | $15 |
Related Plans | $8,603 |
Consumer Auto Loans | $238,301 |
Other loans to individuals | $142,458 |
All other loans & leases | $219,940 |
Loans to foreign governments and official institutions | $0 |
Other loans | $33,666 |
Loans to depository institutions and acceptances of other banks | $0 |
Loans not secured by real estate | $66,264 |
Loans secured by real estate to non-U.S. addressees | $1,465 |
Restructured Loans & leases | $5,292 |
Non 1-4 family restructured loans & leases | $4,233 |
Total loans and leases (foreign) | $0 |
BancFirst had $5,393,854,000 of loans outstanding in 2021. $3,556,656,000 of loans were in real estate loans. $550,053,000 of loans were in development loans. $98,598,000 of loans were in multifamily mortgage loans. $1,053,758,000 of loans were in 1-4 family mortgage loans. $144,681,000 of loans were in farm loans. $15,000 of loans were in credit card loans. $238,301,000 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 | 2,376 | $453,133 | $190,713 |
Nonfarm, nonresidential loans - <$100k | 727 | $29,216 | $40,187 |
Nonfarm, nonresidential loans - $100-250k | 770 | $92,958 | $120,725 |
Nonfarm, nonresidential loans - $250k-1MM | 879 | $330,959 | $376,518 |
Commercial & Industrial, US addressed loans - <$1MM | 6,830 | $297,971 | $43,627 |
Commercial & Industrial, US addressed loans - <$100k | 5,593 | $123,590 | $22,097 |
Commercial & Industrial, US addressed loans - $100-250k | 749 | $66,640 | $88,972 |
Commercial & Industrial, US addressed loans - $250k-1MM | 488 | $107,741 | $220,781 |
Farmland loans - <$1MM | 1,716 | $183,975 | $107,212 |
Farmland loans - <$100k | 833 | $34,715 | $41,675 |
Farmland loans - $100-250k | 640 | $81,208 | $126,888 |
Farmland loans - $250k-1MM | 243 | $68,052 | $280,049 |
Agriculture operations loans - <$1MM | 3,141 | $98,414 | $31,332 |
Agriculture operations loans - <$100k | 2,774 | $50,236 | $18,110 |
Agriculture operations loans - $100-250k | 251 | $23,311 | $92,873 |
Agriculture operations loans - $250k-1MM | 116 | $24,867 | $214,371 |