# BancFirst Corporation vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/bancfirst/vs-peers
Last updated: Oct 19, 2026

*Part of the [BancFirst Corporation AI strategy profile](https://www.bankingnewsai.com/banks/bancfirst). Peer group: BOK Financial Corporation, First United Bank & Trust (Spend Life Wisely Company), Arvest Bank, Prosperity Bancshares, First Financial Bankshares, Hilltop Holdings, Texas Capital Bancshares, Home BancShares (Centennial Bank), Simmons First National Corporation.*

## How does BancFirst Corporation compare with its peers on AI and technology?

On this site's AI disclosure index BancFirst scores 11.3 (#101 of 120 US banks), seventh in a ten-bank group of Oklahoma, Texas and Arkansas banks led by Texas Capital (49.1), BOK Financial (41.8), Prosperity (40) and Arvest (37.2). The gap is one of disclosure, not necessarily of capability. BancFirst's 2025 10-K, filed February 26, 2026, says its use of AI 'is not material to us at this time' but is expected to grow, and the bank names no AI platform, vendor, budget or AI executive; the one deployment on record comes from Cisco Webex, which lists BancFirst as a Webex AI Agent customer. Its in-state rival BOK Financial names a chief data and analytics officer who owns 'enterprise data and AI strategy' (March 2026), and First United, the Durant bank, lists a Director of AI Program Strategy and Execution in its 2025 impact report. In Texas, Texas Capital reported in April 2026 that about 80% of employees had used its in-house Ranger AI platform in four weeks. BancFirst's case rests elsewhere: it is Oklahoma's third-largest bank by deposits, with 7.36% of state deposits across 113 offices at June 30, 2025, more offices than any other bank in the state, and its 10-K describes a decentralized 'super community bank' model in which local presidents make underwriting and pricing decisions. Data processing expense was $11.8 million in 2025, against $198.5 million of data processing and communications expense at BOK Financial. ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm), [Cisco Webex (vendor customer post)](https://blog.webex.com/customer-experience/momentum-meet-impact-strong-customer-adoption-webex-ai-agent-contact-center/), [American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=5000), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm))

## Where does BancFirst lead its peers on AI?

- **Oklahoma's widest branch network, the delivery channel it competes on.** BancFirst ran 113 offices in Oklahoma at June 30, 2025, against 79 for Arvest, 50 for MidFirst, 43 for BOK Financial and 34 for First United (FDIC Summary of Deposits). Its 10-K says local presidents in each market make underwriting, funding, customer-service and pricing decisions, a model built on branches and people rather than on disclosed AI. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=5000), [BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm))
- **A named AI vendor deployment, where Simmons, Home BancShares and First Financial have none.** Cisco Webex names BancFirst as a customer of Webex AI Agent, its contact-center AI agent (October 2025). Simmons, Home BancShares and First Financial Bankshares have disclosed no AI programme, vendor or leader in their 2025 and 2026 releases and calls; First Financial's only AI text is one 10-K risk-factor sentence repeated for three years. ([Cisco Webex (vendor customer post)](https://blog.webex.com/customer-experience/momentum-meet-impact-strong-customer-adoption-webex-ai-agent-contact-center/), [Simmons First National](https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/simmons-first-national-q2-earnings-140514870.html), [Home BancShares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/15/3328159/0/en/record-revenue-and-successful-mountain-commerce-bancorp-acquisition-drive-strong-second-quarter-results-for-homb.html), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000095017024019528/ffin-20231231.htm), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000095017025024666/ffin-20241231.htm), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm))
- **AI expertise on a board committee, which Simmons' proxy does not show.** BancFirst's 2026 proxy (April 3, 2026) puts director Robin Roberson, president and co-founder of Agentech AI and an AI and digital strategy consultant, on the quarterly Information Security Committee with CEO David Harlow and the chief risk and operations officers. Simmons' 2026 proxy statement contains no mention of AI at all. ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526141692/banf-20260403.htm), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm))

## Where does BancFirst trail its peers on AI?

- **No named AI or data leader, while BOK Financial, First United and Texas Capital name theirs.** BancFirst has named no chief AI, data or digital officer; its 10-K places cybersecurity under an unnamed Chief Information Officer reporting to the Chief Operating Officer. BOK Financial's Shanthi Pudota owns enterprise data and AI strategy, First United lists Jay Liles as Director of AI Program Strategy and Execution, and Texas Capital appointed Mo Jamous as chief digital and information officer on July 13, 2026. ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm), [American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer))
- **No internal AI platform or usage figure, unlike Texas Capital.** BancFirst discloses no employee AI tool or adoption number. Texas Capital told analysts on April 23, 2026 that about 80% of employees had used its in-house Ranger platform in the prior four weeks and that 64 employees had built 280 agents; BancFirst's earnings releases for the first two quarters of 2026 contain no AI text at all. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html), [BancFirst Corporation](https://bancfirst.bank/getContentAsset/2b8a7ef3-317a-481e-84af-ed1fc44cab4f/582e10d9-e479-4901-9a67-7b8c0f57354b/1Q-2026-Press-release.pdf?language=en), [BancFirst Corporation](https://bancfirst.bank/getContentAsset/559c5e54-8867-4117-b5f1-820cd9e0ca1e/582e10d9-e479-4901-9a67-7b8c0f57354b/2Q-2026-Press-release.pdf?language=en))
- **No disclosed core or cloud modernization, while Arvest and Prosperity have one on the record.** BancFirst has described no core, cloud or data-platform programme. Arvest reported 40% of targeted applications moved to Google Cloud by April 2025, with completion slated for 2027, and Prosperity converted to a real-time core on February 17, 2026. BancFirst's visible technology work is acquisition conversion: its first-quarter 2026 expense included American Bank of Oklahoma conversion costs. ([Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/), [American Banker](https://www.americanbanker.com/news/are-banks-saving-money-as-they-migrate-to-the-cloud), [Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [BancFirst Corporation](https://bancfirst.bank/getContentAsset/2b8a7ef3-317a-481e-84af-ed1fc44cab4f/582e10d9-e479-4901-9a67-7b8c0f57354b/1Q-2026-Press-release.pdf?language=en))
- **The thinnest independent coverage in the group but one.** BancFirst scores 3 on independent sources, ninth of ten, against 9 for BOK Financial and 8 for Hilltop; its AI record is its own filings plus one vendor post. BOK Financial's record includes American Banker and CIO Dive coverage of its data chief and a Vanilla case study of AI trust-document review that saves about four hours per review. ([American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota), [CIO Dive](https://ciodive.com/news/ai-drives-cloud-spend-focus/803279), [Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster))

## Where does BancFirst rank against its peers on AI disclosure?

Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Texas Capital Bancshares](https://www.bankingnewsai.com/banks/texas-capital) | [49.1](https://www.bankingnewsai.com/banks/ai-index) | #60 of 120 | [6](https://www.bankingnewsai.com/banks/texas-capital#sources) | [17](https://www.bankingnewsai.com/banks/texas-capital#sources) | [8 of 12](https://www.bankingnewsai.com/banks/texas-capital#where) | [21](https://www.bankingnewsai.com/banks/texas-capital#timeline) | Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) |
| [BOK Financial Corporation](https://www.bankingnewsai.com/banks/bok-financial) | [41.8](https://www.bankingnewsai.com/banks/ai-index) | #69 of 120 | [9](https://www.bankingnewsai.com/banks/bok-financial#sources) | [18](https://www.bankingnewsai.com/banks/bok-financial#sources) | [4 of 6](https://www.bankingnewsai.com/banks/bok-financial#where) | [20](https://www.bankingnewsai.com/banks/bok-financial#timeline) | Not disclosed |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | [40](https://www.bankingnewsai.com/banks/ai-index) | #71 of 120 | [6](https://www.bankingnewsai.com/banks/prosperity#sources) | [15](https://www.bankingnewsai.com/banks/prosperity#sources) | [4 of 8](https://www.bankingnewsai.com/banks/prosperity#where) | [17](https://www.bankingnewsai.com/banks/prosperity#timeline) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | [37.2](https://www.bankingnewsai.com/banks/ai-index) | #79 of 120 | [7](https://www.bankingnewsai.com/banks/arvest#sources) | [12](https://www.bankingnewsai.com/banks/arvest#sources) | [4 of 11](https://www.bankingnewsai.com/banks/arvest#where) | [9](https://www.bankingnewsai.com/banks/arvest#timeline) | Multi-year technology modernisation (cloud-native core, Google Cloud, Baker Hill UN/FY) ([Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer), [Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-named-one-of-americas-most-innovative-companies-2026-by-fortune), [Arvest Bank (Business Wire via FinTech Futures)](https://fintechfutures.com/press-releases/arvest-bank-collaborates-with-tech-leaders-thought-machine-and-accenture-for-next-generation-core-banking-platform), [Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud)) |
| [Hilltop Holdings](https://www.bankingnewsai.com/banks/hilltop) | [30.7](https://www.bankingnewsai.com/banks/ai-index) | #87 of 120 | [8](https://www.bankingnewsai.com/banks/hilltop#sources) | [9](https://www.bankingnewsai.com/banks/hilltop#sources) | [6 of 9](https://www.bankingnewsai.com/banks/hilltop#where) | [10](https://www.bankingnewsai.com/banks/hilltop#timeline) | Not disclosed |
| [First United Bank & Trust (Spend Life Wisely Company)](https://www.bankingnewsai.com/banks/first-united) | [26.7](https://www.bankingnewsai.com/banks/ai-index) | #93 of 120 | [5](https://www.bankingnewsai.com/banks/first-united#sources) | [13](https://www.bankingnewsai.com/banks/first-united#sources) | [8 of 10](https://www.bankingnewsai.com/banks/first-united#where) | [12](https://www.bankingnewsai.com/banks/first-united#timeline) | Not disclosed |
| [BancFirst Corporation (this page)](https://www.bankingnewsai.com/banks/bancfirst) | [11.3](https://www.bankingnewsai.com/banks/ai-index) | #101 of 120 | [3](https://www.bankingnewsai.com/banks/bancfirst#sources) | [14](https://www.bankingnewsai.com/banks/bancfirst#sources) | [6 of 7](https://www.bankingnewsai.com/banks/bancfirst#where) | [11](https://www.bankingnewsai.com/banks/bancfirst#timeline) | Not disclosed |
| [Simmons First National Corporation](https://www.bankingnewsai.com/banks/simmons) | [3.6](https://www.bankingnewsai.com/banks/ai-index) | #106 of 120 | [5](https://www.bankingnewsai.com/banks/simmons#sources) | [22](https://www.bankingnewsai.com/banks/simmons#sources) | [8 of 10](https://www.bankingnewsai.com/banks/simmons#where) | [19](https://www.bankingnewsai.com/banks/simmons#timeline) | Not disclosed |
| [Home BancShares (Centennial Bank)](https://www.bankingnewsai.com/banks/home-bancshares) | [3.5](https://www.bankingnewsai.com/banks/ai-index) | #108 of 120 | [6](https://www.bankingnewsai.com/banks/home-bancshares#sources) | [17](https://www.bankingnewsai.com/banks/home-bancshares#sources) | [7 of 10](https://www.bankingnewsai.com/banks/home-bancshares#where) | [17](https://www.bankingnewsai.com/banks/home-bancshares#timeline) | Not disclosed |
| [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | [0.9](https://www.bankingnewsai.com/banks/ai-index) | #120 of 120 | [2](https://www.bankingnewsai.com/banks/first-financial-bankshares#sources) | [17](https://www.bankingnewsai.com/banks/first-financial-bankshares#sources) | [0 of 1](https://www.bankingnewsai.com/banks/first-financial-bankshares#where) | [12](https://www.bankingnewsai.com/banks/first-financial-bankshares#timeline) | Not disclosed |

## On which parts of the AI record is BancFirst ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of BancFirst and the 9 peers that are scored on the same basis. "Place" is BancFirst's position in the group of 10 (1st = most).

| Component (weight) | BancFirst | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 3 | 6 | [BOK Financial (9)](https://www.bankingnewsai.com/banks/bok-financial) | 9th of 10 |
| Use cases in production (10%) | 6 | 6 | [First United Bank (8)](https://www.bankingnewsai.com/banks/first-united) | 5th of 10 |
| Own primary disclosures (10%) | 14 | 17 | [Simmons Bank (22)](https://www.bankingnewsai.com/banks/simmons) | 7th of 10 |
| Dated moves, last 12 months (10%) | 11 | 17 | [Texas Capital (21)](https://www.bankingnewsai.com/banks/texas-capital) | 8th of 10 |
| Disclosed numbers (5%) | 8 | 12 | [Centennial Bank (16)](https://www.bankingnewsai.com/banks/home-bancshares) | 10th of 10 |
| Named AI leaders (5%) | 4 | 8 | [First United Bank (10)](https://www.bankingnewsai.com/banks/first-united) | 9th of 10 |
| Use cases described (5%) | 7 | 10 | [Texas Capital (12)](https://www.bankingnewsai.com/banks/texas-capital) | 8th of 10 |

## What has each bank in BancFirst's peer group disclosed about its AI?

Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [BancFirst Corporation](https://www.bankingnewsai.com/banks/bancfirst) | Not disclosed | [4, incl. David Harlow (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/bancfirst#people) ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm), [American Banker](https://americanbanker.com/news/bancfirst-to-bulk-up-in-tulsa-by-acquiring-oklahoma-rival)) | Full-time-equivalent employees: 2,260 (Dec 31, 2025) ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm)) | Not disclosed | Not surveyed |
| [BOK Financial Corporation](https://www.bankingnewsai.com/banks/bok-financial) | Not disclosed | [9, incl. Stacy Kymes (President and CEO)](https://www.bankingnewsai.com/banks/bok-financial#people) ([American Banker](https://www.americanbanker.com/news/bok-counting-on-mortgage-finance-for-a-boost-in-2026), [CNBC](https://cnbc.com/video/2025/10/22/kymes-credit-is-still-very-benign-despite-recent-headlines.html)) | Earnings calls with an AI remark, Q3 2025 to Q2 2026: 0 of 4 (Jul 21, 2026) ([The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/04/20/bok-financial-bokf-q3-2025-earnings-transcript/), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-q4-2025-earnings-beat-expectations-93CH-4456059), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/bok-financial-bokf-q1-2026-earnings-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-beats-q2-2026-eps-forecast-shares-slip-93CH-4803980)) | Not disclosed | [3 open AI roles (Oct 13, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/bok-financial#roles) |
| [First United Bank & Trust (Spend Life Wisely Company)](https://www.bankingnewsai.com/banks/first-united) | Not disclosed | [10, incl. Greg Massey (Chairman and CEO)](https://www.bankingnewsai.com/banks/first-united#people) ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94)) | Employees (FDIC call report): 1,886 (end-2023: 1,945) (Jun 30, 2026) ([FDIC](https://api.fdic.gov/banks/financials?filters=CERT%3A4239%20AND%20REPDTE%3A%5B20231231%20TO%2020260630%5D&fields=REPDTE,ASSET,DEP,NETINC,ROA,ROE,NUMEMP&sort_by=REPDTE&sort_order=ASC&limit=20)) | Not disclosed | Not surveyed |
| [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | Multi-year technology modernisation (cloud-native core, Google Cloud, Baker Hill UN/FY) ([Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer), [Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-named-one-of-americas-most-innovative-companies-2026-by-fortune), [Arvest Bank (Business Wire via FinTech Futures)](https://fintechfutures.com/press-releases/arvest-bank-collaborates-with-tech-leaders-thought-machine-and-accenture-for-next-generation-core-banking-platform), [Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud)) | [7, incl. Matt Machen (President and CEO)](https://www.bankingnewsai.com/banks/arvest#people) ([Arvest Bank](https://arvest.com/about/newsroom/arvest-ranked-top-20-on-forbes-worlds-best-banks-list)) | Employees (call report): 6,087 (Jun 30, 2026) ([FDIC](https://api.fdic.gov/banks/financials?filters=CERT%3A8728&fields=REPDTE%2CASSET%2CDEP%2CNUMEMP%2CNETINC&sort_by=REPDTE&sort_order=DESC&limit=4)) | Not disclosed | Not surveyed |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) | [6, incl. David Zalman (Senior Chairman and CEO)](https://www.bankingnewsai.com/banks/prosperity#people) ([American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [American Banker](https://www.americanbanker.com/news/prosperity-blames-loan-growth-woes-on-newcomers-pricing)) | Not disclosed | Not disclosed | Not surveyed |
| [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | Not disclosed | [6, incl. David Bailey (President and CEO)](https://www.bankingnewsai.com/banks/first-financial-bankshares#people) ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526029410/ffin-20260127.htm), [First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html)) | Employees: About 1,600 (1,500 full-time, 100 part-time) (Dec 31, 2025) ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm)) | Not disclosed | Not surveyed |
| [Hilltop Holdings](https://www.bankingnewsai.com/banks/hilltop) | Not disclosed | [8, incl. Jeremy B. Ford (Chairman, President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/hilltop#people) ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm)) | PrimeLending AI tools ('MoBots'): 15, implemented over two years (Nov 1, 2024) ([HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough)) | Not disclosed | Not surveyed |
| [Texas Capital Bancshares](https://www.bankingnewsai.com/banks/texas-capital) | Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) | [8, incl. Rob C. Holmes (President and CEO)](https://www.bankingnewsai.com/banks/texas-capital#people) ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [American Banker](https://www.americanbanker.com/news/texas-capital-buoyed-by-turnaround-to-pay-first-ever-dividend)) | Employees who used Ranger in the prior four weeks: ≈ 80% (Apr 23, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) | Not disclosed | Not surveyed |
| [Home BancShares (Centennial Bank)](https://www.bankingnewsai.com/banks/home-bancshares) | Not disclosed | [4, incl. John W. Allison (Chairman and CEO, Home BancShares)](https://www.bankingnewsai.com/banks/home-bancshares#people) ([American Banker](https://americanbanker.com/news/home-ends-dry-spell-with-150m-deal-for-tennessee-bank), [Home BancShares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/15/3328159/0/en/record-revenue-and-successful-mountain-commerce-bancorp-acquisition-drive-strong-second-quarter-results-for-homb.html)) | Full-time equivalent employees (2023 / 2024 / 2025): 2,819 / 2,552 / 2,543 (Dec 31, 2025) ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152024000080/homb-20231231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152025000076/homb-20241231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm)) | Not disclosed | [0 open AI roles (Sep 24, 2026)](https://www.bankingnewsai.com/banks/home-bancshares#roles) |
| [Simmons First National Corporation](https://www.bankingnewsai.com/banks/simmons) | Not disclosed | [8, incl. Jay Brogdon (President and CEO)](https://www.bankingnewsai.com/banks/simmons#people) ([Simmons First National](https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results), [American Banker](https://americanbanker.com/news/simmons-bank-hires-new-leaders-to-boost-organic-growth)) | Mentions of AI in the 2026 proxy statement: 0 (Apr 8, 2026) ([Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm)) | Not disclosed | Not surveyed |

## What are the latest dated moves on the AI record of BancFirst and its peers?

The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 16, 2026 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Q3 2026 call: technology and automation 'barely scratching the surface' ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/10/16/simmons-first-sfnc-q3-2026-earnings-call-transcript)) |
| Oct 15, 2026 | [Centennial Bank](https://www.bankingnewsai.com/banks/home-bancshares) | Q3 2026 call: Mountain Commerce conversion set for 6 November ([earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript)) |
| Oct 14, 2026 | [Centennial Bank](https://www.bankingnewsai.com/banks/home-bancshares) | Record third-quarter 2026 results ([Home BancShares (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/10/14/3381186/6997/en/home-bancshares-reports-record-third-quarter-net-income-bringing-the-company-closer-to-a-half-billion-dollar-year.html)) |
| Oct 7, 2026 | [Hilltop](https://www.bankingnewsai.com/banks/hilltop) | HilltopSecurities survey: 50% of public finance leaders use AI daily or weekly ([Business Wire (Yahoo Finance)](https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html)) |
| Sep 29, 2026 | [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | First full-service Austin-area branch ([First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html)) |
| Sep 22, 2026 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Investor Day set for 10 December 2026 ([Simmons First National](https://newsroom.simmonsbank.com/2026-09-22-Simmons-First-National-Corporation-to-Host-Investor-Day)) |
| Sep 16, 2026 | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Chief risk officer departs; chief credit officer steps in ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm)) |
| Sep 10, 2026 | [First United Bank](https://www.bankingnewsai.com/banks/first-united) | Business fraud-awareness guidance ([First United Bank](https://www.firstunitedbank.com/spendlifewisely/protect-what-youve-built-creating-fraud-aware-business)) |
| Aug 17, 2026 | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | 18th for customer reputation ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| Aug 13, 2026 | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | Vanilla case study: AI trust-document review ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster)) |
| Aug 11, 2026 | [First United Bank](https://www.bankingnewsai.com/banks/first-united) | Transformation leader on technology as enterprise capability ([Interface / FinTech Strategy (B2E Media)](https://interface.media/blog/executiveinsights/first-united-bank-combining-community-banking-values-with-modern-technology)) |
| Aug 7, 2026 | [BancFirst](https://www.bankingnewsai.com/banks/bancfirst) | 10-Q lists AI among technology and competition risks ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526339980/banf-20260630.htm)) |
| Aug 6, 2026 | [Prosperity](https://www.bankingnewsai.com/banks/prosperity) | Q2 2026 10-Q repeats the AI risk bullet ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm)) |
| Aug 4, 2026 | [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | Second-quarter 10-Q has no AI reference ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526333027/ffin-20260630.htm)) |
| Jul 29, 2026 | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Second attempt to redomicile to Texas planned ([American Banker](https://www.americanbanker.com/news/why-one-bank-is-determined-to-reincorporate-in-texas)) |
| Jul 29, 2026 | [Prosperity](https://www.bankingnewsai.com/banks/prosperity) | Q2 call: Stellar savings of $80-85 million wait for a March 2027 conversion ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| Jul 24, 2026 | [Hilltop](https://www.bankingnewsai.com/banks/hilltop) | Q2 2026 10-Q has no AI language ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926086658/hth-20260630x10q.htm)) |
| Jul 23, 2026 | [BancFirst](https://www.bankingnewsai.com/banks/bancfirst) | CEO Harlow's second-quarter comment omits AI ([BancFirst Corporation](https://bancfirst.bank/getContentAsset/559c5e54-8867-4117-b5f1-820cd9e0ca1e/582e10d9-e479-4901-9a67-7b8c0f57354b/2Q-2026-Press-release.pdf?language=en)) |
| May 5, 2026 | [Arvest](https://www.bankingnewsai.com/banks/arvest) | Security engineer on agentic-AI risk ([Trent AI (Business Wire)](https://www.businesswire.com/news/home/20260505309646/en/Trent-AI-Announces-AI-Security-Maturity-Model-for-Agentic-Era)) |
| Apr 8, 2026 | [Arvest](https://www.bankingnewsai.com/banks/arvest) | 20th among US banks on Forbes' World's Best Banks ([Arvest Bank](https://arvest.com/about/newsroom/arvest-ranked-top-20-on-forbes-worlds-best-banks-list)) |

## How does BancFirst's technology record compare with the other large banks in Oklahoma?

The banks with the most Oklahoma deposits at June 30, 2025 (FDIC Summary of Deposits, this site's sum of branch data), and what each has put on the record about AI and technology. MidFirst Bank, second by Oklahoma deposits, has no profile on this site. A blank means nothing is disclosed, not that nothing exists.

| Bank | Oklahoma deposits and offices (June 30, 2025) | AI on the record | Named AI or data leader | Technology platform |
| --- | --- | --- | --- | --- |
| BOK Financial (Tulsa) | $20.17 billion, 43 offices, 14.25% of state deposits | Vanilla AI trust-document review in Advisor Trust Services (August 2026); per-initiative AI governance review in the 2025 10-K | Shanthi Pudota, chief data and analytics officer (enterprise data and AI strategy) | Data warehouse on 200,000-plus oil and gas wells for energy lending ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=5000), [Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota), [BOK Financial (The Statement)](https://www.bokfinancial.com/about-us/newsroom/articles/community_from-wildcatting-to-data-mapping)) |
| BancFirst (Oklahoma City) | $10.42 billion, 113 offices, 7.36% (7.58% with American Bank of Oklahoma, per its 10-K) | Named by Cisco Webex as a Webex AI Agent customer; 10-K says AI use 'is not material to us at this time' | None named; cybersecurity under the Chief Information Officer, who reports to the COO | Not disclosed; online and mobile banking with mobile deposit, BillPay, Money Management and Send Money ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=5000), [BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm), [Cisco Webex (vendor customer post)](https://blog.webex.com/customer-experience/momentum-meet-impact-strong-customer-adoption-webex-ai-agent-contact-center/), [BancFirst](https://www.bancfirst.bank/resources/solutions-services/online-mobile-banking), [BancFirst](https://www.bancfirst.bank/resources/solutions-services/send-money)) |
| Arvest Bank (Fayetteville, Arkansas) | $6.97 billion, 79 offices, 4.92% | Google Cloud deal (2022) naming Contact Center AI Insights and Document AI; Gemini and AI Code Assist under exploration (April 2025) | Jennifer Baker, CIO from December 2025, with an AI-strategy certification | Thought Machine core for one product; 40% of targeted apps on Google Cloud (April 2025) ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=5000), [Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud), [Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/), [Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer), [Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html)) |
| First United Bank (Durant) | $6.68 billion, 34 offices, 4.72% | Integrates AI in process improvement, user experience and leadership development (December 2025 letter) | Jay Liles, SVP, Director of AI Program Strategy and Execution (2025 impact report) | Q2 digital banking platform; Finotta personalization (2022) ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=5000), [Southeastern Oklahoma State University](https://www.se.edu/2025/12/southeastern-awarded-500000-grant-from-state-regents-for-ai-programs/), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [American Banker](https://americanbanker.com/news/financial-health-app-brings-community-bank-400-account-leads-in-30-days), [PR Newswire (Finotta)](https://prnewswire.com/news-releases/finotta-partners-with-first-united-bank--trust-for-investment-and-launch-of-personalization-technology-301477906.html)) |
| JPMorgan Chase | $5.68 billion, 26 offices, 4.01% | LLM Suite: 150,000 weekly users (February 2026) | Named at group level | 74.6 million active digital customers (2025) ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=5000), [JPMorganChase](https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm)) |
| Prosperity Bank (Houston) | $1.47 billion, 18 offices, 1.04% | Generic 10-K risk language only: the bank and its vendors 'may use' AI and machine learning | None named for AI; CIO Gisela Riggan | Real-time core converted February 17, 2026 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=5000), [Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm), [Prosperity Bank](https://prosperitybankusa.com/system-upgrade)) |

## How does BancFirst's AI governance compare with its peers'?

What each bank's latest 10-K or proxy says about AI, and who is accountable for it. All are SEC registrants except Arvest and First United, which are private.

| Bank | AI in the latest 10-K or proxy | Technology and AI owner | Board oversight |
| --- | --- | --- | --- |
| BancFirst | AI use 'not material to us at this time' but expected to grow; risks of cybersecurity, privacy, accuracy, bias and IP (10-K, February 26, 2026) | Chief Information Officer (unnamed) reporting to the COO, Scott Copeland | Information Security Committee, quarterly, including director Robin Roberson of Agentech AI ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm), [BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526141692/banf-20260403.htm)) |
| BOK Financial | Each AI initiative assessed for data quality, bias, compliance and ethics; the board is updated but does not approve each capability (10-K, February 18, 2026) | CDAO Shanthi Pudota (data and AI); CIO Derek Martin | Risk Committee briefed quarterly by the CISO ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000023/bokf-20260318.htm)) |
| Texas Capital | A dedicated AI risk factor in the 10-K; an AI governance programme with a dedicated working group (2026 proxy) | CDIO Mo Jamous (AI enablement, data, security) from July 13, 2026 | Board Technology Committee formed January 22, 2025, covering AI ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer)) |
| Hilltop | AI implementation risk factor added in the 2025 10-K; 2026 proxy lists 'implementation of automation and artificial intelligence in a prudent manner' as a 2025 highlight | CIO David Rhodes | CISO reports to the board's Risk Committee ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926053118/hth-20260723xdef14a.htm), [Hilltop Holdings](https://www.hilltop.com/who-we-are/hilltop-leadership/david-rhodes/)) |
| Simmons | AI risk factor naming agentic AI and third-party model risk, new in the 2025 10-K (February 25, 2026) | CTO David Kennedy (hired May 2025) | Simmons Bank board IT Committee ([Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm), [Simmons Bank](https://newsroom.simmonsbank.com/2025-05-20-Simmons-Bank-hires-David-Kennedy-as-Chief-Technology-Officer)) |
| First Financial Bankshares | One risk-factor sentence on adopting technology such as AI, unchanged in the 10-Ks filed in 2024, 2025 and 2026 | CIO Tim Brown, also CEO of First Technology Services | Chief Risk Officer Randy Roewe owns technology risk ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000095017024019528/ffin-20231231.htm), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000095017025024666/ffin-20241231.htm), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm), [First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-announces-the-election-of-tim-brown-as-chief-information-officer-and-transition-of-john-ruzicka-to-chief-banking-operations-officer-302591920.html), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526095645/ffin-20260306.htm)) |

## How does BancFirst's technology platform work compare with peers that have disclosed theirs?

The latest platform move each bank has disclosed. For BancFirst, Prosperity and Home BancShares the visible work in 2026 is converting acquired banks.

| Bank | Platform move | When | Scale or effect disclosed |
| --- | --- | --- | --- |
| BancFirst | Conversion of American Bank of Oklahoma (acquired November 17, 2025); SpiritBank agreed June 10, 2026 | First quarter 2026; SpiritBank close expected fourth quarter 2026 | Conversion costs inside $96.8 million of first-quarter noninterest expense; data processing expense $11.8 million in 2025 ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312525284873/banf-20251117.htm), [BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526266024/banf-20260610.htm), [BancFirst Corporation](https://bancfirst.bank/getContentAsset/2b8a7ef3-317a-481e-84af-ed1fc44cab4f/582e10d9-e479-4901-9a67-7b8c0f57354b/1Q-2026-Press-release.pdf?language=en), [BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm)) |
| Prosperity | Real-time core processing conversion | February 17, 2026 | Post-weekend account update cut to about 1.5 hours; technology spend of $75 million to $90 million a year (CEO estimate) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript)) |
| Arvest | Google Cloud migration and cloud-native core | From 2022; completion slated for 2027 | 40% of targeted applications migrated; on-premises servers at one data center down 98% (April 2025) ([Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/), [American Banker](https://www.americanbanker.com/news/are-banks-saving-money-as-they-migrate-to-the-cloud)) |
| Texas Capital | Cloud-native platform and in-house Ranger AI platform | Ranger figures from the April 23, 2026 call | 96% of critical infrastructure in the cloud (October 2025); about 80% of employees using Ranger ([Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2025/10/23/rob-c-holmes-highlights-texas-capitals-record-growth-bloombergs-close), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) |
| Home BancShares | Legacy-system conversion; Mountain Commerce conversion next | June 2026; November 2026 | About $5.5 million to $6 million of annual savings expected after the November conversion ([Investing.com (earnings call transcript)](https://www.investing.com/news/transcripts/earnings-call-transcript-home-bancshares-tops-q2-2026-forecasts-shares-rise-5-93CH-4796629)) |

## Which banks are BancFirst's peers, and why these?

BancFirst Corporation is compared here with BOK Financial Corporation, First United Bank & Trust (Spend Life Wisely Company), Arvest Bank, Prosperity Bancshares, First Financial Bankshares, Hilltop Holdings, Texas Capital Bancshares, Home BancShares (Centennial Bank) and Simmons First National Corporation: chosen by the editors for this page (see the note below the table). BancFirst Corporation is classed as a regional or retail-commercial bank in the Southwest.

The computed group mixed in Ohio, Pennsylvania and Colorado banks of similar size; this group holds the banks BancFirst meets in Oklahoma by FDIC deposit share (BOK Financial, First United, Arvest, Prosperity, Simmons) and the Texas and Arkansas commercial banks of comparable scale around its Dallas-Fort Worth subsidiaries Pegasus Bank and Worthington Bank.

## Common questions

### Does BancFirst use AI?

Only lightly, on the record. Its 2025 10-K says the use of AI 'is not material to us at this time' and that it expects AI use and its effect on the business to grow. Cisco Webex names BancFirst as a Webex AI Agent customer. BancFirst itself has named no AI platform, vendor, use case or budget, and its 2026 quarterly earnings releases contain no AI text. ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm), [Cisco Webex (vendor customer post)](https://blog.webex.com/customer-experience/momentum-meet-impact-strong-customer-adoption-webex-ai-agent-contact-center/), [BancFirst Corporation](https://bancfirst.bank/getContentAsset/2b8a7ef3-317a-481e-84af-ed1fc44cab4f/582e10d9-e479-4901-9a67-7b8c0f57354b/1Q-2026-Press-release.pdf?language=en), [BancFirst Corporation](https://bancfirst.bank/getContentAsset/559c5e54-8867-4117-b5f1-820cd9e0ca1e/582e10d9-e479-4901-9a67-7b8c0f57354b/2Q-2026-Press-release.pdf?language=en))

### Is BancFirst better than BOK Financial at AI?

The record cannot settle capability, but BOK Financial has put more on it: 41.8 on this site's disclosure index against BancFirst's 11.3. BOK names a chief data and analytics officer for data and AI strategy, describes a per-initiative AI governance review in its 10-K, and is the subject of a vendor case study on AI trust-document review. BancFirst names no AI leader and calls its AI use not yet material. ([American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster), [BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm))

### How does BancFirst compare with Arvest on technology?

Arvest, which had 79 Oklahoma offices at June 30, 2025, has a public modernization programme: a Google Cloud partnership from July 2022, a Thought Machine core for its first product in October 2022, and 40% of targeted applications in the cloud by April 2025. BancFirst, with 113 Oklahoma offices, has not described its core, cloud or data platform. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=5000), [Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud), [Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/), [BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm))

### Does BancFirst have an AI virtual assistant like Bank of America's Erica?

Not one it has disclosed. BancFirst's online and mobile banking offers balances, transfers, bill pay, mobile check deposit, text and email alerts and a Money Management budgeting tool, and its Send Money feature runs person-to-person payments through Pay It Now. Bank of America says Erica has helped more than 24.6 million clients, and Wells Fargo's Fargo passed 1 billion interactions in March 2026. ([BancFirst](https://www.bancfirst.bank/resources/solutions-services/online-mobile-banking), [BancFirst](https://www.bancfirst.bank/resources/solutions-services/send-money), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones))

### How does BancFirst's technology spending compare with its peers'?

BancFirst reports no technology budget; its 10-K shows data processing services expense of $11.8 million in 2025, up from $10.8 million in 2024 and $8.4 million in 2023. BOK Financial reported $198.5 million of data processing and communications expense in 2025, and Prosperity's CEO put its technology spend at $75 million to $90 million a year on the April 2026 call. ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript))

### Who leads AI at BancFirst compared with its peers?

BancFirst names no AI leader. Its 10-K has the Chief Information Officer, who leads cybersecurity, reporting to the Chief Operating Officer, and the 2026 proxy names Scott Copeland as COO. Peers name owners: BOK Financial's chief data and analytics officer Shanthi Pudota, First United's Director of AI Program Strategy Jay Liles, and Texas Capital's chief digital and information officer Mo Jamous. ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm), [BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526141692/banf-20260403.htm), [American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer))

### How does BancFirst compare with Texas Capital?

They meet in Dallas-Fort Worth, where BancFirst's Pegasus Bank held $1.27 billion of deposits in three offices at June 30, 2025 against Texas Capital's $13.12 billion in five. On AI, Texas Capital scores 49.1 on this site's index, the highest in the group, with an in-house Ranger platform and 280 employee-built agents; BancFirst scores 11.3 and discloses no internal AI tool. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A19100%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html), [BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm))

## Peers on this site

- [BOK Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/bok-financial) · [vs peers](https://www.bankingnewsai.com/banks/bok-financial/vs-peers)
- [First United Bank & Trust (Spend Life Wisely Company) AI strategy](https://www.bankingnewsai.com/banks/first-united) · [vs peers](https://www.bankingnewsai.com/banks/first-united/vs-peers)
- [Arvest Bank AI strategy](https://www.bankingnewsai.com/banks/arvest) · [vs peers](https://www.bankingnewsai.com/banks/arvest/vs-peers)
- [Prosperity Bancshares AI strategy](https://www.bankingnewsai.com/banks/prosperity) · [vs peers](https://www.bankingnewsai.com/banks/prosperity/vs-peers)
- [First Financial Bankshares AI strategy](https://www.bankingnewsai.com/banks/first-financial-bankshares) · [vs peers](https://www.bankingnewsai.com/banks/first-financial-bankshares/vs-peers)
- [Hilltop Holdings AI strategy](https://www.bankingnewsai.com/banks/hilltop) · [vs peers](https://www.bankingnewsai.com/banks/hilltop/vs-peers)
- [Texas Capital Bancshares AI strategy](https://www.bankingnewsai.com/banks/texas-capital) · [vs peers](https://www.bankingnewsai.com/banks/texas-capital/vs-peers)
- [Home BancShares (Centennial Bank) AI strategy](https://www.bankingnewsai.com/banks/home-bancshares) · [vs peers](https://www.bankingnewsai.com/banks/home-bancshares/vs-peers)
- [Simmons First National Corporation AI strategy](https://www.bankingnewsai.com/banks/simmons) · [vs peers](https://www.bankingnewsai.com/banks/simmons/vs-peers)

## Sources

1. BancFirst Corporation Form 10-K for the fiscal year ended December 31, 2025 — BancFirst Corporation (SEC filing), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm
2. Webex AI Agent for Contact Center — Cisco Webex (vendor customer post), Oct 20, 2025. https://blog.webex.com/customer-experience/momentum-meet-impact-strong-customer-adoption-webex-ai-agent-contact-center/
3. Shanthi Pudota, SVP, Chief Data and Analytics Officer, BOK Financial (Digital Banking speaker profile) — American Banker, Mar 24, 2026. https://digital-banking.americanbanker.com/profile/shanthi-pudota
4. Impact Report 2025 — First United Bank, Mar 20, 2026. https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94
5. Texas Capital (TCBI) Q1 2026 Earnings Transcript — The Motley Fool (Yahoo Finance), Apr 23, 2026. https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html
6. FDIC Summary of Deposits, Oklahoma branch offices (data as of June 30, 2025; deposit totals and shares summed by bankingnewsai.com) — Federal Deposit Insurance Corporation, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=5000
7. BOK Financial Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — BOK Financial (SEC filings), Feb 18, 2026. https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm
8. Simmons First National Corporation Reports Second Quarter Results — Simmons First National, Jul 16, 2026. https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results
9. Simmons First National Q2 Earnings Call Highlights — MarketBeat (Yahoo Finance), Jul 17, 2026. https://finance.yahoo.com/markets/stocks/articles/simmons-first-national-q2-earnings-140514870.html
10. Record Revenue and Successful Mountain Commerce Bancorp Acquisition Drive Strong Second Quarter Results for HOMB — Home BancShares (GlobeNewswire), Jul 15, 2026. https://globenewswire.com/news-release/2026/07/15/3328159/0/en/record-revenue-and-successful-mountain-commerce-bancorp-acquisition-drive-strong-second-quarter-results-for-homb.html
11. Home BancShares, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Home BancShares (SEC filings), Feb 27, 2026. https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm
12. First Financial Bankshares, Inc. Form 10-K for the fiscal year ended December 31, 2023 — First Financial Bankshares (SEC filing), Feb 26, 2024. https://www.sec.gov/Archives/edgar/data/36029/000095017024019528/ffin-20231231.htm
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15. BancFirst Corporation 2026 proxy statement (DEF 14A) — BancFirst Corporation (SEC filing), Apr 3, 2026. https://www.sec.gov/Archives/edgar/data/760498/000119312526141692/banf-20260403.htm
16. Simmons First National Corporation 2026 Proxy Statement (Schedule 14A) — Simmons First National (SEC filings), Apr 8, 2026. https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm
17. Texas Capital Appoints Mo Jamous as Chief Digital and Information Officer — Texas Capital, Jul 13, 2026. https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer
18. BancFirst Corporation reports first quarter earnings (1Q 2026 press release) — BancFirst Corporation, Apr 16, 2026. https://bancfirst.bank/getContentAsset/2b8a7ef3-317a-481e-84af-ed1fc44cab4f/582e10d9-e479-4901-9a67-7b8c0f57354b/1Q-2026-Press-release.pdf?language=en
19. BancFirst Corporation reports second quarter earnings (2Q 2026 press release) — BancFirst Corporation, Jul 23, 2026. https://bancfirst.bank/getContentAsset/559c5e54-8867-4117-b5f1-820cd9e0ca1e/582e10d9-e479-4901-9a67-7b8c0f57354b/2Q-2026-Press-release.pdf?language=en
20. Arvest Bank moves 40% of apps to cloud — Bank Automation News, Apr 4, 2025. https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/
21. Are banks saving money as they migrate to the cloud? What you need to know — American Banker, Sep 9, 2024. https://www.americanbanker.com/news/are-banks-saving-money-as-they-migrate-to-the-cloud
22. System Upgrade — Prosperity Bank, Feb 17, 2026. https://prosperitybankusa.com/system-upgrade
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24. How BOK Financial Streamlines Trust Reviews with Vanilla — Vanilla (vendor case study), Aug 13, 2026. https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster
25. A Look Ahead with Rob C. Holmes — 2026 — Texas Capital, Jan 7, 2026. https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026
26. Texas Capital Launches MAP — Texas Capital, May 18, 2026. https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm
27. Customer letter: real-time processing system upgrade — Prosperity Bank, Jan 9, 2026. https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf
28. Prosperity Bancshares, Inc. Reports First Quarter 2026 Earnings — Prosperity Bancshares, Apr 29, 2026. https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf
29. Second Quarter 2026 Investor Presentation — Prosperity Bancshares, Jul 28, 2026. https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf
30. Prosperity to acquire rival Houston bank in $2 billion deal — American Banker, Jan 28, 2026. https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal
31. Prosperity Bancshares (PB) Q2 2026 Earnings Call — Yahoo Finance, Aug 7, 2026. https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html
32. Arvest names new CIO, Chief Credit Administration Officer — Arvest Bank, Dec 3, 2025. https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer
33. Arvest Bank Deepens Three-Decade Partnership with Baker Hill, Upgrades to UN/FY Platform to Advance Small Business Lending — Baker Hill (PR Newswire), Feb 9, 2026. https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html
34. Arvest Named One of America's Most Innovative Companies 2026 by Fortune — Arvest Bank, Mar 25, 2026. https://arvest.com/about/newsroom/arvest-named-one-of-americas-most-innovative-companies-2026-by-fortune
35. Arvest Bank Collaborates with Tech Leaders Thought Machine and Accenture for Next Generation Core Banking Platform — Arvest Bank (Business Wire via FinTech Futures), Sep 16, 2021. https://fintechfutures.com/press-releases/arvest-bank-collaborates-with-tech-leaders-thought-machine-and-accenture-for-next-generation-core-banking-platform
36. Arvest Bank launches real-time banking capabilities using Thought Machine core technology — Arvest Bank (PR Newswire), Feb 23, 2023. https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html
37. Arvest Bank Announces Collaboration with Google Cloud — Arvest Bank, Jul 25, 2022. https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud
38. BancFirst to bulk up in Tulsa by acquiring Oklahoma rival — American Banker, Jun 11, 2026. https://americanbanker.com/news/bancfirst-to-bulk-up-in-tulsa-by-acquiring-oklahoma-rival
39. BOK counting on mortgage finance for a boost in 2026 — American Banker, Jan 27, 2026. https://www.americanbanker.com/news/bok-counting-on-mortgage-finance-for-a-boost-in-2026
40. Kymes: Credit is still very benign despite recent headlines — CNBC, Oct 22, 2025. https://cnbc.com/video/2025/10/22/kymes-credit-is-still-very-benign-despite-recent-headlines.html
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46. Arvest Ranked Top 20 on Forbes' World's Best Banks List — Arvest Bank, Apr 8, 2026. https://arvest.com/about/newsroom/arvest-ranked-top-20-on-forbes-worlds-best-banks-list
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48. Prosperity blames loan-growth woes on newcomers' pricing — American Banker, Jul 29, 2026. https://www.americanbanker.com/news/prosperity-blames-loan-growth-woes-on-newcomers-pricing
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63. Simmons First National Corporation to Host Investor Day — Simmons First National, Sep 22, 2026. https://newsroom.simmonsbank.com/2026-09-22-Simmons-First-National-Corporation-to-Host-Investor-Day
64. Form 8-K: departure of Chief Risk Officer (Item 5.02) — SEC EDGAR, Sep 16, 2026. https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm
65. Protect What You've Built: Creating a Fraud-Aware Business — First United Bank, Sep 10, 2026. https://www.firstunitedbank.com/spendlifewisely/protect-what-youve-built-creating-fraud-aware-business
66. Top Banks by Reputation 2026: Customers — American Banker, Aug 17, 2026. https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers
67. First United Bank: Combining Community Banking Values with Modern Technology — Interface / FinTech Strategy (B2E Media), Aug 11, 2026. https://interface.media/blog/executiveinsights/first-united-bank-combining-community-banking-values-with-modern-technology
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69. Prosperity Bancshares Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Prosperity Bancshares (SEC filings), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm
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