BancFirst (BANF) Investor presentation summary

Market presence and expansion

• Holds the largest share of Oklahoma household banking relationships, with 109 locations in 64 communities and recent expansion into the Dallas-Fort Worth area through Pegasus and Worthington Banks.

• Focuses on commercial banking for small to medium businesses, with specialty expertise in SBA lending, cash management, trust, and insurance services.

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

• Pegasus and Worthington Banks add eight Texas locations, with combined assets of over $2.1 billion as of June 2026.

Financial performance and growth

• Achieved 3.3% organic loan growth in 2025, with average annual loan growth of 7.1% over the past decade.

• Net interest margin stood at 3.74% in 2025, with consistent growth in net interest income.

• Maintained over 31 consecutive years of dividend growth and a 9.92% CAGR in tangible book value since 2017.

• Average annual deposit growth was 7.8% over the last 10 years, with a 33% uninsured deposit ratio.

Asset quality, risk, and capital

• Asset quality remains strong, with net charge-offs at 0.10% and nonperforming loans at 0.81% of total loans in 2025.

• Conservative credit culture with proactive portfolio management and historically low problem loan ratios.

• Capital ratios as of June 2026 are robust, with total capital/risk assets at 20.87% for the corporation.

• High liquidity, with a $5.5 billion liquidity portfolio, 80% in cash and 19% in U.S. Treasuries.