Visbanking Logo
Skip to main content

Bancfirst

IDRSSD: 1386251
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
95
/ 100
StrongAs of 2025-Q4QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #1386251 2025-Q4 Vital Signs Score: 95/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2025:
↓ 0 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -2

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 64.1%, cash 31.6% of assets.

Cash / Assets
31.57%
Loans / Deposits
64.12%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.45%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.38%, CET1 17.11%, leverage 10.67%.

Tier 1 RBC
17.38%
CET1
17.11%
Leverage
10.67%
No watch items at this period.

Asset Quality

StrongQoQ 0
96
Sub-score

Asset quality is strong: Adjusted NPL 0.88%, Texas Ratio 4.3%, NCO YTD 0.09%.

Adjusted NPL
0.88%
Govt-guarantees stripped
Texas Ratio
4.3%
NCO YTD
0.09%
30-89 PD
0.41%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -2
75
Sub-score

Reserves are stable: ALLL 1.18% of loans, coverage 136.3%, true coverage 124.0%.

ALLL / Loans
1.18%
Coverage
136.3%
True Loss Coverage
124.0%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 04:27:55 UTC