Who are BancFirst Corporation's competitors, and what are the alternatives?
BancFirst's 2025 10-K, filed February 26, 2026, calls the Oklahoma banking market 'very competitive' and says each of its locations competes with other banks, savings and loan associations, brokerage firms, personal loan finance companies and credit unions. In Oklahoma the largest rivals are BOK Financial, which its own 10-K calls the state's largest financial institution with 14% of deposits, and MidFirst Bank, with 11.48% of state deposits at June 30, 2025 against BancFirst's 7.36% (FDIC). Arvest, First United, Bank of America and JPMorgan Chase each held between 4% and 5%. BancFirst says it out-scales the independent community banks it meets in rural Oklahoma, while in Oklahoma City and Tulsa it competes against larger institutions on responsiveness to local businesses; its pending purchase of Tulsa's SpiritBank, with $847.2 million of deposits, adds weight in the city where BOK Financial holds 33% of deposits. In Texas its subsidiaries Pegasus Bank (Dallas) and Worthington Bank (Fort Worth) are small players next to Texas Capital, Frost, Prosperity and PlainsCapital. The non-bank rivals are the ones the 10-K lists: brokerage firms and money market funds for savers, such as Charles Schwab; branchless accounts such as Chime, which its 10-Q's 'fintech competition' language covers; and Square for merchants. Its risk factors add that larger competitors have more resources to invest in technology.[1][2][3][4][5][6][7][8]
Data as of Oct 19, 2026 · BancFirst profile updated Oct 19, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown
What does BancFirst say about its competition?
"The banking environment in Oklahoma is very competitive. The geographic dispersion of BancFirst's banking locations presents several different levels and types of competition. In general, however, each location competes with other banking institutions, savings and loan associations, brokerage firms, personal loan finance companies and credit unions within their respective market areas. The communities in which BancFirst maintains offices are generally local trade centers throughout Oklahoma. The major areas of competition include interest rates charged on loans, underwriting terms and conditions, interest rates paid on deposits, fees on non-credit services, levels of service charges on deposits, completeness of product lines and quality of service."[1]
"BancFirst operates as a 'super community bank', managing its community banking offices on a decentralized basis, which permits them to be responsive to local customer needs. Underwriting, funding, customer service and pricing decisions are made by presidents in each market within BancFirst's strategic parameters. At the same time, BancFirst generally has a larger lending capacity, broader product line and greater operational scale than its principal competitors do in the non-metropolitan market areas (which typically are independently owned community banks). ... The majority of its competitors in the non-metropolitan areas are much smaller and do not offer the range of products and services nor have the lending capacity of BancFirst. In the metropolitan markets served by BancFirst, the Company's strategy is to focus on the needs of local businesses and seek to provide more responsive services than are available at larger institutions. As reported by the Federal Deposit Insurance Corporation ('FDIC'), the Company's (including ABOK acquired November 17, 2025) market share of deposits within the state of Oklahoma was 7.58% as of June 30, 2025 and 6.84% as of June 30, 2024."[1]
On its Texas subsidiaries, the same 10-K says Pegasus and Worthington "provide a wide range of banking services to individual and corporate customers and are subject to competition from other local, regional, and national financial institutions."[1]
From the risk factors: "We face vigorous competition from banks and other financial institutions, including savings and loan associations, savings banks, finance companies and credit unions. A portion of these banks and other financial institutions have substantially greater resources and lending limits, larger branch systems and other banking services that we do not offer. To a limited extent, we also compete with other providers of financial services, such as money market mutual funds, brokerage firms, consumer finance companies and insurance companies." And on technology: "Many of our larger competitors have substantially greater resources to invest in technological improvements. As a result, they may be able to offer additional or superior products to those that we will be able to offer, which would put us at a competitive disadvantage." (2025 Form 10-K, filed February 26, 2026.)[1]
Who competes with BancFirst in each of its businesses?
| Business line | Competitor | Type | Why it competes |
|---|---|---|---|
| Home region: Oklahoma | BOK Financial (Bank of Oklahoma) | Bank | BOK Financial's 2025 10-K calls it the largest financial institution in Oklahoma with 14% of state deposits, and 33% and 13% of the Tulsa and Oklahoma City markets (FDIC, June 30, 2025); FDIC branch data put it at $20.17 billion across 43 Oklahoma offices.[2][3] |
| Home region: Oklahoma | MidFirst Bank | Bank | The second-largest holder of Oklahoma deposits at June 30, 2025, with $16.25 billion (11.48%) across 50 offices, ahead of BancFirst's $10.42 billion (FDIC Summary of Deposits).[3] |
| Home region: Oklahoma | Arvest Bank | Bank | Arvest ran 79 Oklahoma offices with $6.97 billion of deposits (4.92% of the state) at June 30, 2025, the second-largest branch count in the state after BancFirst's 113.[3] |
| Home region: Oklahoma | First United Bank | Bank | The Durant-based bank held $6.68 billion of Oklahoma deposits (4.72%) in 34 offices at June 30, 2025, and serves more than 362,000 customers from 75 locations.[3][9] |
| Home region: Oklahoma | Prosperity Bank | Bank | Prosperity's 2025 10-K lists 6 banking locations in Central Oklahoma and 8 in the Tulsa area at December 31, 2025, alongside its Texas network.[10] |
| Home region: Oklahoma | Simmons Bank | Bank | The Arkansas bank held $1.42 billion of Oklahoma deposits in 20 offices at June 30, 2025 (FDIC Summary of Deposits).[3] |
| Retail deposits, checking and everyday digital banking | JPMorgan Chase | Bank | Chase held $5.68 billion of Oklahoma deposits in 26 offices at June 30, 2025, and reported 74.6 million active digital customers nationally in 2025: the kind of larger competitor BancFirst's 10-K says has more resources to invest in technology.[3][11][1] |
| Retail deposits, checking and everyday digital banking | Bank of America | Bank | Bank of America held $5.68 billion of Oklahoma deposits in 18 offices at June 30, 2025, and says 60 million clients use its digital capabilities.[3][12] |
| Retail deposits, checking and everyday digital banking | Chime | Fintech | BancFirst's August 2026 10-Q lists 'fintech competition and disruption to the traditional banking systems' among factors that could affect results; Chime's 10-K claims a significant cost advantage over traditional banks by avoiding branches, and it had 10.4 million active members at June 30, 2026.[6][7][13] |
| Retail deposits, checking and everyday digital banking | Credit unions in Oklahoma | Credit union | BancFirst's 10-K names credit unions among the competitors of each of its locations, and among the institutions it faces 'vigorous competition' from in its risk factors.[1] |
| Commercial and private banking in Dallas-Fort Worth (Pegasus Bank and Worthington Bank) | Texas Capital | Bank | Dallas-based Texas Capital held $13.12 billion of deposits in five Dallas-Fort Worth offices at June 30, 2025, against $1.27 billion for Pegasus Bank (three offices) and $0.53 billion for Worthington Bank (five offices).[5] |
| Commercial and private banking in Dallas-Fort Worth (Pegasus Bank and Worthington Bank) | Frost Bank | Bank | Frost ran 65 Dallas-Fort Worth offices with $10.42 billion of deposits at June 30, 2025, and planned about 15 new branches across Texas in 2026 to win customers disrupted by mergers.[5][14] |
| Commercial and private banking in Dallas-Fort Worth (Pegasus Bank and Worthington Bank) | PlainsCapital Bank (Hilltop) | Bank | Hilltop's Dallas-based bank held $4.76 billion of deposits in 18 Dallas-Fort Worth offices at June 30, 2025, in the market where Pegasus and Worthington, whose lending includes private banking and commercial real estate, operate.[5][1] |
| Commercial and private banking in Dallas-Fort Worth (Pegasus Bank and Worthington Bank) | Prosperity Bank | Bank | Prosperity held $5.93 billion of deposits in 62 Dallas-Fort Worth offices at June 30, 2025, a branch network Pegasus and Worthington's eight offices do not match.[5] |
| Small business lending and merchant services | Live Oak Bank | Bank | BancFirst offers SBA-guaranteed loans through BancFirst Commercial Capital, a division since 1991; Live Oak Express, for SBA loans under $350,000, originated $82 million in the second quarter of 2026 on an AI-native origination platform.[1][15][16] |
| Small business lending and merchant services | Square (Block) | Payments company | Block's 10-K lists banks that provide payment processing, checking, savings, loans and payroll among Square's competitors; BancFirst sells merchant services and business checking to the small and mid-sized businesses its 10-K says are its primary lending focus.[8][1] |
| Trust, investment management and savings alternatives | BOK Financial (wealth management) | Bank | BancFirst's Trust and Investment Management Division administers trusts for individuals, corporations and benefit plans; BOK Financial runs Advisor Trust Services and BOK Financial Securities from the same state.[1][17][18] |
| Trust, investment management and savings alternatives | Charles Schwab | Broker or asset manager | A brokerage firm of the kind BancFirst's 10-K names among its competitors for savings and investment dollars; its bank subsidiary, Charles Schwab Bank, booked $209.55 billion of deposits at a single office in the Dallas-Fort Worth area at June 30, 2025.[1][5] |
How do the AI and digital offerings of BancFirst's competitors compare?
BancFirst first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.
| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
|---|---|---|---|
| BancFirst Corporation (this page) | Not disclosed | Index 11.3 (#101); 7 use cases, 6 in production | 10-Q lists AI among technology and competition risks (Aug 7, 2026)[6] |
| BOK Financial (Bank of Oklahoma) | Vanilla AI trust-document review for Advisor Trust Services (vendor case study, August 2026); a chief data and analytics officer for data and AI strategy[17][19] | Index 41.8 (#69); 6 use cases, 4 in production | 18th for customer reputation (Aug 17, 2026)[20] |
| MidFirst Bank | Not disclosed | No profile | Not disclosed |
| Arvest Bank | Google Cloud migration with Contact Center AI Insights and Document AI named in the 2022 deal[21][22] | Index 37.2 (#79); 11 use cases, 4 in production | Security engineer on agentic-AI risk (May 5, 2026)[23] |
| First United Bank | A Director of AI Program Strategy and Execution and an analytics team (2025 impact report)[24] | Index 26.7 (#93); 10 use cases, 8 in production | Business fraud-awareness guidance (Sep 10, 2026)[25] |
| Prosperity Bank | Real-time core (converted February 2026)[26][27][28][29][30][31] | Index 40 (#71); 8 use cases, 4 in production | Q2 2026 10-Q repeats the AI risk bullet (Aug 6, 2026)[32] |
| Simmons Bank | Not disclosed | Index 3.6 (#106); 10 use cases, 8 in production | Q3 2026 call: technology and automation 'barely scratching the surface' (Oct 16, 2026)[33] |
| JPMorgan Chase | Smart Cash AI cash tool in a targeted pilot (October 2026)[34] | Index 89 (#6); 15 use cases, 8 in production | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026)[35][34][36] |
| Bank of America | Erica virtual assistant: more than 24.6 million clients helped[12] | Index 97.3 (#1); 18 use cases, 16 in production | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026)[37][38][39] |
| Chime | Jade, an in-app AI financial partner available to some members[40] | 8 use cases, 6 in production | Agreement to acquire Stride Bank (Sep 8, 2026)[41] |
| Credit unions in Oklahoma | Not disclosed | No profile | Not disclosed |
| Texas Capital | In-house Ranger AI platform used by about 80% of employees; agents in loan operations and fraud[42] | Index 49.1 (#60); 12 use cases, 8 in production | Chief risk officer departs; chief credit officer steps in (Sep 16, 2026)[43] |
| Frost Bank | Digital account opening on Blend, with completion rates up from 50% to 80% (August 2026)[44] | Index 49.3 (#58); 9 use cases, 7 in production | Blend 'Ecosystem Expander' award (Aug 27, 2026)[45] |
| PlainsCapital Bank (Hilltop) | PrimeLending's 15 AI 'MoBots' automating mortgage tasks (HousingWire, November 2024)[46] | Index 30.7 (#87); 9 use cases, 6 in production | HilltopSecurities survey: 50% of public finance leaders use AI daily or weekly (Oct 7, 2026)[47] |
| Live Oak Bank | AI-native SBA loan origination platform built with Casca, aimed at seven to ten days from application to funding[16] | Index 53.1 (#54); 10 use cases, 6 in production | Glia names Live Oak a Catalyst Awards Pacesetter (Oct 8, 2026)[48] |
| Square (Block) | Managerbot, an AI business agent for Square sellers[49] | 7 use cases, 6 in production | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026)[50] |
| BOK Financial (wealth management) | Vanilla AI review of trust documents, about four hours saved per initial review (vendor-reported)[17] | Index 41.8 (#69); 6 use cases, 4 in production | 18th for customer reputation (Aug 17, 2026)[20] |
| Charles Schwab | Portfolio Insights generative-AI summaries for self-directed retail clients (May 2026); Charley, a voice and text assistant, rolling out in phases[51][52] | Index 80.7 (#19); 19 use cases, 15 in production | How Charley was built: employee testing, confirmation before any change (Oct 8, 2026)[53] |
Who should look beyond BancFirst, and where?
| If you are | Look at | Why |
|---|---|---|
| People who need branches outside Oklahoma and the Dallas-Fort Worth area | JPMorgan Chase or Bank of America | BancFirst has 109 banking locations in 62 Oklahoma communities, and its Texas subsidiaries have eight offices around Dallas and Fort Worth (10-K). Chase reported 5,083 branches in 2025, and Bank of America runs 3,500 financial centers in more than 100 US markets.[1][11][12] |
| Customers who want an AI virtual assistant in their banking app | Bank of America (Erica) or Wells Fargo (Fargo) | BancFirst's online and mobile banking covers balances, transfers, bill pay, mobile deposit and alerts, and the bank discloses no assistant. Erica has helped more than 24.6 million clients, and Fargo passed 1 billion interactions in under three years (March 2026).[54][12][55] |
| Customers who want a branchless, app-only checking account | Chime | BancFirst's model is a dense branch network run by local presidents. Chime avoids branches and ATMs, had 10.4 million active members at June 30, 2026, and offers some members Jade, an in-app AI financial partner.[1][7][13][40] |
| Larger Texas companies that need investment banking or capital-markets capacity | Texas Capital | BancFirst's 10-K says some competitors have substantially greater lending limits and services it does not offer, and its Texas banks focus on private banking and real-estate, commercial and energy lending. Texas Capital doubled investment-banking and advisory fees to $32 million in the first quarter of 2026.[1][56] |
| Small businesses that want a fully online SBA loan | Live Oak Bank | BancFirst offers SBA loans through BancFirst Commercial Capital alongside its branch-based lending. Live Oak Express targets SBA loans under $350,000 on an AI-native origination platform meant to cut application-to-funding to seven to ten days.[1][16] |
Where does BancFirst rank among Oklahoma banks by deposits?
Deposits and offices in Oklahoma at June 30, 2025, summed by this site from the FDIC's branch-level Summary of Deposits ($141.58 billion in total). The share for BancFirst excludes American Bank of Oklahoma ($0.32 billion, six offices), which it acquired on November 17, 2025; its 10-K gives 7.58% including that bank.
| Rank | Bank | Oklahoma deposits | Share | Offices |
|---|---|---|---|---|
| 1 | BOKF, N.A. (BOK Financial) | $20.17 billion | 14.25% | 43[3][2] |
| 2 | MidFirst Bank | $16.25 billion | 11.48% | 50[3] |
| 3 | BancFirst | $10.42 billion | 7.36% | 113[3][1] |
| 4 | Arvest Bank | $6.97 billion | 4.92% | 79[3] |
| 5 | First United Bank and Trust | $6.68 billion | 4.72% | 34[3] |
| 6 | Bank of America | $5.68 billion | 4.01% | 18[3] |
| 7 | JPMorgan Chase | $5.68 billion | 4.01% | 26[3] |
How big are Pegasus Bank and Worthington Bank next to their Dallas-Fort Worth rivals?
Deposits and offices in the Dallas-Fort Worth-Arlington metropolitan area at June 30, 2025 (FDIC Summary of Deposits, summed by this site). Market shares are not shown because single-office brokerage banks book very large deposits in the area.
| Bank | Owner | DFW deposits | DFW offices |
|---|---|---|---|
| Pegasus Bank | BancFirst Corporation | $1.27 billion | 3[5][1] |
| Worthington Bank | BancFirst Corporation | $0.53 billion | 5[5][1] |
| Texas Capital Bank | Texas Capital Bancshares | $13.12 billion | 5[5] |
| Frost Bank | Cullen/Frost Bankers | $10.42 billion | 65[5] |
| Prosperity Bank | Prosperity Bancshares | $5.93 billion | 62[5] |
| PlainsCapital Bank | Hilltop Holdings | $4.76 billion | 18[5] |
| JPMorgan Chase Bank | JPMorgan Chase | $92.68 billion | 189[5] |
Who are BancFirst's biggest competitors?
In Oklahoma, BOK Financial (14.25% of state deposits at June 30, 2025) and MidFirst Bank (11.48%) are larger by deposits; Arvest, First United, Bank of America and JPMorgan Chase each hold 4% to 5%. BancFirst's 10-K adds savings and loan associations, brokerage firms, personal loan finance companies and credit unions, and in rural Oklahoma mostly smaller independent community banks.[3][1]
Is BOK Financial a competitor of BancFirst?
Yes, it is the largest. BOK Financial's 2025 10-K calls it Oklahoma's largest financial institution with 14% of state deposits and 33% and 13% of the Tulsa and Oklahoma City markets. BancFirst is third in the state with 7.36%, but runs 113 Oklahoma offices to BOK's 43. BancFirst's agreed purchase of Tulsa's SpiritBank adds $847.2 million of deposits in BOK's home city.[2][3][4]
Who competes with BancFirst in Texas?
BancFirst's Pegasus Bank (Dallas, three offices) and Worthington Bank (Fort Worth area, five offices) compete with much larger Dallas-Fort Worth banks: Texas Capital ($13.12 billion of area deposits), Frost (65 offices), Prosperity (62 offices) and Hilltop's PlainsCapital (18 offices), plus Chase and Bank of America, at June 30, 2025.[1][5]
Is Chime a competitor of BancFirst?
By category. BancFirst's 2026 10-Qs list fintech competition and disruption to traditional banking among the factors that could affect results, and Chime's 10-K says its branchless model gives it a cost advantage over traditional banks. Chime had 10.4 million active members at June 30, 2026. Neither company names the other.[6][7][13]
What are alternatives to BancFirst for small business banking?
For SBA loans, Live Oak Bank's Live Oak Express targets loans under $350,000 on an AI-native platform; for card acceptance and point-of-sale tools, Square sells payments, software and banking to sellers. BancFirst itself offers SBA loans through BancFirst Commercial Capital and says small and mid-sized businesses are its primary lending focus.[16][8][1]
BancFirst vs Arvest: how do they compare in Oklahoma?
At June 30, 2025 BancFirst held $10.42 billion of Oklahoma deposits in 113 offices and Arvest $6.97 billion in 79. Arvest, a private Arkansas bank with more than $27 billion of assets, has a public cloud programme on Google Cloud; BancFirst has not described its technology platform and says its AI use is not yet material.[3][57][22][1]
Do brokerage firms like Charles Schwab compete with BancFirst?
BancFirst's 10-K names brokerage firms and money market mutual funds among its competitors, alongside banks and credit unions. Charles Schwab is the largest example near its Texas market: its bank subsidiary booked $209.55 billion of deposits at a single office in the Dallas-Fort Worth area at June 30, 2025, and it began rolling out Portfolio Insights, a generative-AI feature for retail clients, in May 2026.[1][5][51]
How does BancFirst describe its advantage over competitors?
Its 10-K says it runs a decentralized 'super community bank' in which local presidents make underwriting, funding, service and pricing decisions, and that in non-metropolitan Oklahoma it has larger lending capacity and a broader product line than its mostly independent competitors. In Oklahoma City and Tulsa it aims to be more responsive to local businesses than larger institutions.[1]
- BancFirst Corporation Form 10-K for the fiscal year ended December 31, 2025
- BOK Financial Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- FDIC Summary of Deposits, Oklahoma branch offices (data as of June 30, 2025; deposit totals and shares summed by bankingnewsai.com)
- BancFirst Corporation Form 8-K: Announces Acquisition of SpiritBank
- FDIC Summary of Deposits, Dallas-Fort Worth-Arlington MSA branch offices (data as of June 30, 2025; totals summed by bankingnewsai.com)
- BancFirst Corporation Form 10-Q for the quarterly period ended June 30, 2026
- Chime Financial, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- Block, Inc. Annual Report 2025 (Form 10-K)
- First United Bank: Combining Community Banking Values with Modern Technology
- Prosperity Bancshares Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- JPMorgan Chase & Co. Annual Report on Form 10-K for the year ended December 31, 2025
- Bank of America Fast Facts (undated page, retrieved 2026-10-19)
- Chime Reports Second Quarter 2026 Financial Results
- Frost Bank sticks to organic growth as Texas M&A heats up
- Live Oak Bancshares Q2 Earnings Call Highlights
- How AI is quickly overhauling one segment of SBA lending
- How BOK Financial Streamlines Trust Reviews with Vanilla
- BOK Financial Corporation 2026 Proxy Statement (DEF 14A): executive officers
- Shanthi Pudota, SVP, Chief Data and Analytics Officer, BOK Financial (Digital Banking speaker profile)
- Top Banks by Reputation 2026: Customers
- Arvest Bank Announces Collaboration with Google Cloud
- Arvest Bank moves 40% of apps to cloud
- Trent AI Announces AI Security Maturity Model for Agentic Era
- Impact Report 2025
- Protect What You've Built: Creating a Fraud-Aware Business
- System Upgrade
- Customer letter: real-time processing system upgrade
- Prosperity Bancshares, Inc. Reports First Quarter 2026 Earnings
- Second Quarter 2026 Investor Presentation
- Prosperity to acquire rival Houston bank in $2 billion deal
- Prosperity Bancshares (PB) Q2 2026 Earnings Call
- Prosperity Bancshares Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
- Simmons First (SFNC) Q3 2026 Earnings Call Transcript
- JPMorgan CEO Dimon warns customers of 'liability transfer' with AI
- JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts
- JPMorgan warns of risks to consumers who rely on AI agents
- U.S. Treasury Announces Record Enforcement Actions Against Bank of America
- OCC Imposes $750 Million Assessment Against Bank of America for Deficient BSA/AML Compliance
- BofA fined $1.21 billion over AML
- What is Jade Financial Partner? (help centre, retrieved 2026-09-23)
- Chime Announces Agreement to Acquire Stride Bank
- Texas Capital (TCBI) Q1 2026 Earnings Transcript
- Form 8-K: departure of Chief Risk Officer (Item 5.02)
- Frost Bank Achieves 60% Increase in Digital Account Openings With Blend
- Blend Honors Seven Customers With Best in Banking Awards at Forum 2026
- 2024 Tech Trendsetter: Kimberly Hartsough
- Public Finance Leaders Embrace Innovation While Capacity Constraints Persist, 2026 HilltopSecurities Survey Finds
- 4 Banks and Credit Unions Recognized for AI Innovation
- Square Brings Managerbot to More Sellers, Giving Main Street an Intelligent Business Agent
- Q2 2026 Shareholder Letter (Exhibit 99.1 to Form 8-K)
- Charles Schwab Launches AI-Powered Capability That Helps Investors Understand Portfolio Performance and Market Activity
- Meet Charley, Schwab's New AI-Powered Assistant Designed to Help Clients Get Answers and Take Action
- Charles Schwab's Amy Ruegg: AI Can Make Investing Easier, but Human Expertise Remains Key
- Online and Mobile Banking (retrieved 2026-10-19)
- Wells Fargo Reaches Major Digital Milestones
- Texas Capital, buoyed by turnaround, to pay first-ever dividend
- Arvest Bank Deepens Three-Decade Partnership with Baker Hill, Upgrades to UN/FY Platform to Advance Small Business Lending
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