Reviewed by renrut2 | December 1, 2021 |
I have been with bancfirst and love the inperson bank employees. However, online service is more then terrible, it is negligent. I attended an event that encluded troubled kids. On my way home, I stop to refuel my vehicle. It was then, I realized, I did not have my debit card. Not, sure if the card had been misplaced or stolen, I wanted to put a immediate hold on the card. Because it was late, I called the data line. This had an option for lost/stolden cards. After a wait of about 15-20 minutes, I was informed that this line did not service bancfirst. So, i turned to Bancfirst website, where I found a number link for lost or stolen cards. Another, long wait and this time. After reaching an agent, I was told this was Inverse bank and I must of missed dailed. To make a long, painful story short, I spent two hours and was up until 2:AM. I had to rise-up and call the bank at 7:00AM. Customer service was the worst! From the very first, I was treated like it was my stupidity that had created the hold issue. No, apologies, just the blame game. Like, why would I call the data-line that did not have an agent. Correct, but it dose have an option of lost/stolen cards to reach a live agent. The agent said Bancfirst website did not even list the number. That I was calling a random number in error. I had to direct the agent to number on their own web page. Then the agent proceeded to tell me, I must of miss dialed. I told her, I had used the automatic link and also manually dialed. So, the conversation went down hill from here! I have not been treated with this much disinformation and total disrespect in a very long time. I have come to the conclusion, that Bancfirst provides no contact for lost/stoden card between the hours of 10:PM to 7:00PM. That instead of having integrity to inform me of that policy, Bancfirst knownly misleads me to vainly call for hours. I will be shopping for another bank.
BancFirst is an FDIC insured institution located in Oklahoma City, OK. It was founded in 1989 and has approximately $10.72 billion in assets. Customers can open an account at one of its 114 branches.
FDIC Insured | Yes |
FDIC Certificate | # 27476 |
Date Established | 1989 |
Assets | $ 10.72 billion |
Loans | $ 6.69 billion |
Deposits | $ 9.44 billion |
Capital | $ 1,178.28 million |
For a more detailed analysis of BancFirst's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Your Current Location: Ohio, OH 43085
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for BancFirst
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Lender | APR | Rate (%) | Monthly Payment |
Learn More |
---|---|---|---|---|
NMLS ID: 401822 |
6.668% |
6.500% 0.75 points $5,600 fees |
$2,023 | Learn More |
NMLS ID: 1025894 |
6.865% |
6.750% 1.00 points $3,775 fees |
$2,076 | Learn More |
NMLS ID: 3030 |
7.225% |
7.125% 1.00 points $3,200 fees |
$2,156 | Learn More |
NMLS ID: Not a Lender |
points fees |
Learn More |
Lender | APR (%)? | Monthly Payment? | Learn More |
---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR
7.490 %
After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to BancFirst
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BancFirst branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Branch | Distance | Map | View Lobby Hours |
---|---|---|---|
665.99 | A | View Lobby Hours | |
680.13 | B | View Lobby Hours | |
692.89 | C | View Lobby Hours | |
693.46 | D | View Lobby Hours | |
694.33 | E | View Lobby Hours | |
711.86 | F | View Lobby Hours | |
712.03 | G | View Lobby Hours | |
713.42 | H | View Lobby Hours | |
714.21 | I | View Lobby Hours | |
714.87 | J | View Lobby Hours | |
714.89 | K | View Lobby Hours | |
715.87 | L | View Lobby Hours | |
717.13 | M | View Lobby Hours | |
720.51 | N | View Lobby Hours | |
721.19 | O | View Lobby Hours | |
722.61 | P | View Lobby Hours | |
723.67 | Q | View Lobby Hours | |
733.87 | R | View Lobby Hours | |
734.95 | S | View Lobby Hours | |
735.48 | T | View Lobby Hours | |
736.73 | U | View Lobby Hours | |
737.32 | V | View Lobby Hours | |
737.39 | W | View Lobby Hours | |
738.45 | X | View Lobby Hours | |
739.27 | Y | View Lobby Hours | |
742.70 | Z | View Lobby Hours |
BancFirst is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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The following ratios and data are available to help you better understand the financial condition of BancFirst. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
BancFirst | U.S. Bank Average |
---|---|
5.28% | 4.48% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of June 30, 2024, BancFirst had $28,891,000 in non-current loans and $37,824,000 in owned real estate. To cover these potential losses it had $1,178,280,000 in equity and $84,540,000 in loans loss reserves. That gives it a Texas Ratio of 5.28%.
BancFirst | U.S. Bank Average |
---|---|
15.49% | 10.46% |
BancFirst has a Return on Equity of 15.49% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
BancFirst | U.S. Bank Average |
---|---|
10.99% | 10.84% |
BancFirst has a Capitalization of 10.99% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
As of June 30, 2024, BancFirst had assets of $10,721,889,000, loans of $6,693,157,000, and deposits of $9,435,375,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
ASSETS | |
---|---|
Cash & Balances due from depository institutions | $ 2.16 billion |
Interest-bearing balances | $ 1,977.13 million |
Total securities | $ 1,214.48 million |
Federal funds sold and reverse repurchase | N.A. |
Net loans and leases | $ 6.69 billion |
Loan loss allowance | $ 84.54 million |
Trading account assets | N.A. |
Bank premises and fixed assets | N.A. |
Other real estate owned | $ 37.82 million |
Goodwill and other intangibles | $ 80.36 million |
All other assets | $ 366.30 million |
Total Assets | $ 9.54 billion |
LIABILITIES | |
---|---|
Total deposits | $ 9.44 billion |
Interest-bearing deposits | $ 6.17 billion |
Deposits held in domestic offices | $ 9.44 billion |
% insured (estimated) | 74.69% |
Federal funds purchased and repurchase agreements | $ 3.08 million |
Trading liabilities | N.A. |
Other borrowed funds | N.A. |
Subordinated debt | N.A. |
All other liabilities | $ 94.99 million |
Total Liabilities | $ 9.54 billion |
Shareholders’ Equity | $ 1,178.28 million |
INCOME AND EXPENSES | |
---|---|
Total Interest Income | $ 296.53 million |
Total Interest Expense | $ 112.09 million |
Net interest income | $ 184.44 million |
Provision for loan and lease losses | $ 4.28 million |
Total non interest income | $ 73.41 million |
Total non interest expense | $ 138.08 million |
Pre-tax Net Operating Income | $ 96.80 million |
The top three loan types in BancFirst’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.
Compared to other banks, BancFirst’s loan portfolio does not show any specific loan specialty.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
% Loans |
% Comparison to Other Banks |
|||
---|---|---|---|---|
Low | Med | High | ||
1-4 Family Residential Loans | 16.10 | ✓ | ||
Multifamily Mortgages |
1.66 | ✓ | ||
Credit Card Loans | 0.00 | ✓ | ||
Consumer Auto Loans | 3.51 | ✓ | ||
Small Business Loans | 7.87 | ✓ | ||
Construction and Development Loans | 8.36 | ✓ | ||
Commercial Real Estate | 23.84 | ✓ | ||
Commercial and Industrial Loans | 17.22 | ✓ | ||
Farm Loans | 1.90 | ✓ |
Customer Reviews for BancFirst
renrut2
December 1, 2021 |
I have been with bancfirst and love the inperson bank employees. However, online service is more then terrible, it is negligent. I attended an event that encluded troubled kids. On my way home, I stop to refuel my vehicle. It was then, I realized, I did not have my debit card. Not, sure if the card had been misplaced or stolen, I wanted to put a immediate hold on the card. Because it was late, I called the data line. This had an option for lost/stolden cards. After a wait of about 15-20 minutes, I was informed that this line did not service bancfirst. So, i turned to Bancfirst website, where I found a number link for lost or stolen cards. Another, long wait and this time. After reaching an agent, I was told this was Inverse bank and I must of missed dailed. To make a long, painful story short, I spent two hours and was up until 2:AM. I had to rise-up and call the bank at 7:00AM. Customer service was the worst! From the very first, I was treated like it was my stupidity that had created the hold issue. No, apologies, just the blame game. Like, why would I call the data-line that did not have an agent. Correct, but it dose have an option of lost/stolen cards to reach a live agent. The agent said Bancfirst website did not even list the number. That I was calling a random number in error. I had to direct the agent to number on their own web page. Then the agent proceeded to tell me, I must of miss dialed. I told her, I had used the automatic link and also manually dialed. So, the conversation went down hill from here! I have not been treated with this much disinformation and total disrespect in a very long time. I have come to the conclusion, that Bancfirst provides no contact for lost/stoden card between the hours of 10:PM to 7:00PM. That instead of having integrity to inform me of that policy, Bancfirst knownly misleads me to vainly call for hours. I will be shopping for another bank.
Is this review helpful? Yes:1 / No: 0
Kresslyn
December 17, 2020 |
Online banking is only convenient if I can bank on my hours verses bankers hours. The website goes down FREQUENTLY and request constant changes to my password. The website must be down but when you log in it doesn't say that. If you want to scare customers allow them access to the webiste and then show they have no accounts and them give them no recourse til' you open to let them know what is going on and if they have access to their funds or payments will be delayed. Because if I can't see my funds how should I trust that vendors will. A simple the site is down would be great accept that there is no one to call. There is no automated number to call if I want to check my balance. The number on the back of my card hung up on me. Which brings me to if I got mugged or the realized my card was lost, if I can't report it lost or stolen before daylight the next day, true damage could be done by the time I can report it! I am starting to wonder if this is the bank for me. On a plus side they have reached out to call me in the past to ask questions which made me feel like they had my best interest at hand, but right now the online banking which I depend on especially in the face of COVID is not looking good.
Is this review helpful? Yes:0 / No: 0
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