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BancFirst
BancFirst (BANF) investor relations material
BancFirst Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jan, 2026
Executive summary
Achieved record net income of $59.5 million and diluted EPS of $1.75 for Q4 2025, up from $56.5 million and $1.68 in Q4 2024.
Net interest income rose to $127.7 million, driven by higher loan volume, growth in earning assets, and the acquisition of American Bank of Oklahoma.
Noninterest income increased to $53.3 million, aided by a $4.5 million gain on Visa B-1 stock sale and growth in trust, treasury, and fee income.
Noninterest expense grew to $107.4 million, mainly due to higher real estate write-downs, salary and benefit increases, and costs from the recent acquisition.
Total assets reached $14.8 billion, loans $8.5 billion, and deposits $12.7 billion at year-end 2025.
Financial highlights
Net interest margin improved to 3.71% in Q4 2025 from 3.68% in Q4 2024.
Return on average assets was 1.60% and return on average equity was 13.02% for Q4 2025.
Efficiency ratio increased to 59.33% in Q4 2025 from 56.67% in Q4 2024.
Book value per share rose to $55.28 and tangible book value per share to $49.20 at December 31, 2025.
Net charge-offs were $1.6 million for the quarter, up from $985,000 a year ago.
Outlook and guidance
Management maintains a mixed outlook on the economy and continues to uphold a healthy allowance for credit losses.
DFW banks Pegasus and Worthington are outperforming the company average in growth rates.
Detail the drivers of Q4 OREO expense surge
ABOK integration progress and Q1 2026 outlook
Explain the decline in off-balance sheet sweeps
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Next BancFirst earnings date
Q1 202616 Apr, 2026
BancFirst
Next BancFirst earnings date
Q1 202616 Apr, 2026
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Frequently asked questions
BancFirst Corporation operates as a financial holding company providing a range of banking and financial services through its subsidiary, BancFirst. The company offers traditional banking services, including commercial and retail banking, trust and wealth management, mortgage lending, and treasury management. It serves individual customers, businesses, and governmental entities. BancFirst Corporation operates primarily in Oklahoma, with a network of branches across the state. The company also provides online and mobile banking services to enhance customer convenience. The company is headquartered in Oklahoma City, Oklahoma, and its shares are listed on the NASDAQ.
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