BancFirst is an Oklahoma-based bank offering personal and business checking/savings accounts, loans, credit cards, and wealth management services across multiple locations.
Data compiled from public sources · Rating from CreditDoc methodology
BancFirst is a regional bank headquartered in Oklahoma with a physical branch network across the state. The bank has expanded recently, welcoming ABOK customers in communities including Collinsville, Skiatook, Ramona, and Disney. As a traditional full-service bank, BancFirst operates under FDIC deposit insurance protections and maintains established banking infrastructure including call centers and online/mobile platforms.
The bank offers comprehensive personal banking products including checking and savings accounts, certificates of deposit, individual retirement accounts, personal debit cards with rewards programs, and personal loans. On the lending side, BancFirst provides home equity loans and lines of credit, home mortgage loans, command cash lines of credit, and credit cards. For business customers, they offer business checking accounts, business debit cards, SBA loans, commercial loans, corporate credit cards, and treasury management services. Additionally, BancFirst provides trust and investments services, wealth management, fiduciary services, and retirement services.
BancFirst differentiates itself through its Loyalty Checking account with rewards benefits for $5 monthly maintenance, debit card rewards program, and a focus on regional presence with established community relationships. The bank offers multiple call center phone lines serving Oklahoma and nationwide customers, with extended hours (7 a.m.–10 p.m. M-F, 8 a.m.–10 p.m. Sat, Noon–10 p.m. Sun). They provide financial education resources, online security information, FDIC deposit insurance estimators, and business online banking with positive pay and remote deposit capture capabilities.
As a traditional regional bank, BancFirst serves customers seeking established banking relationships with branch access and comprehensive financial services. However, as a brick-and-mortar institution, they may offer fewer digital-first features or competitive rates compared to online-only banks. The website emphasizes trust and established banking practices rather than aggressive rate competition or niche loan products.
BancFirst received 14 consumer complaints in the past 12 months. All complaints received a timely response from the company.
14
Complaints (12 months)
3.3%
Resolved with relief
Stable
Complaint trend
Most Common Complaint Categories
123 FDIC-insured branch locations nationwide.
Ranked #1 in OK for SBA 7A lending in FY2026.
Source: Consumer Financial Protection Bureau · SBA · FDIC BankFind
Bancfirst processed 4,661 mortgage applications in 2023, approving 90.3% of applicants across 12 states.
4,661
Applications
90.3%
Approval Rate
$156K
Avg Loan
12
States Served
Based on 4,661 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Yes. Bancfirst is a registered company, headquartered in Oklahoma City, OK, founded in 1989.
Account opening typically takes 1-3 business days. Loan decisions vary by product.
CreditDoc Diagnosis
BancFirst is best for Oklahoma-based consumers and businesses seeking comprehensive banking services with established local branch relationships and FDIC protection. The main caveat is that as a regional bank, they lack nationwide presence and the website provides no competitive rate information, making it essential for prospective customers to compare rates against national banks and online alternatives before opening accounts or applying for loans.
Public data from the Consumer Financial Protection Bureau
Source: consumerfinance.gov | Last checked 2026-03-29
Community bank serving Oklahoma since 1927, offering personal and business banking, lending, and deposit products with competitive rates and local relationship-based service.
Best for: Oklahoma residents seeking competitive deposit rates with local relationship banking, Small business owners and agricultural enterprises in Oklahoma needing relationship-based lending
All Capital Bank is a community-focused bank serving Locust Grove, OK since 1949, offering personal banking, business solutions, and loan products with emphasis on local community support.
Best for: Locust Grove, Oklahoma residents seeking community-oriented banking with local relationship focus, Small to medium-sized local businesses needing scalable banking and lending solutions
Oklahoma-based community bank offering personal and commercial checking, savings, CDs, IRAs, loans, and trust services since 1971.
Best for: Oklahoma-based business owners seeking commercial banking and trade finance services, Customers who value in-person relationships and local community banking over digital convenience
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