BancFirst (BANF) Investor presentation summary

Market presence and expansion

• Operates 109 locations in 64 Oklahoma communities and expanded into Dallas-Fort Worth with Pegasus and Worthington Banks, adding eight Texas locations.

• Focuses on relationship banking for small to medium businesses and their stakeholders.

• Completed the acquisition of American Bank of Oklahoma, adding $414 million in assets.

Financial performance and growth

• Achieved 3.3% organic loan growth in 2025, with total loans increasing by 6.4%.

• Net interest margin was 3.74% in 2025, with over 31 consecutive years of dividend growth.

• Average annual deposit growth was 8.1% over the last 10 years, with 34% of deposits uninsured.

• Maintains a high-quality liquidity portfolio of $5.4 billion, with 98.9% U.S. agency or Treasury-backed securities.

Credit quality and risk management

• Aggressive loan review and proactive portfolio management support historically low problem loan and charge-off ratios.

• Asset quality remains strong: net charge-offs to average loans at 0.10%, nonperforming and restructured loans at 0.81%.

• Primary risks include regional economic changes, interest rate fluctuations, and evolving consumer behavior.