Company: BANFP
Filing Date: 2025-02-28
Form Type: 10-K
Source: 0000950170-25-030159
Chunk: 62

Company: BANCFIRST CORP /OK/
Filing Date: 2025-02-28
Form: 10-K
Item: Item 7
Chunk 62
---
24,150

    22,745

    Consumer non-real estate

    4,833

    4,401

    Oil and gas

    7,536

    9,030

    Total
     
    $
    99,497

    $
    96,800

 43 

The following table is a break-out of net charge-offs/(recoveries) and the break-out of the percent of average loans in each category:

    December 31,

    2024

    2023

    Amount

    % ofAvg Loans

    Amount

    % ofAvg Loans

    (Dollars in thousands)

    Real estate:

    Commercial real estate owner occupied
     
    $
    (70
    )

    0.00
    %
     
    $
    854

    0.01
    %

    Commercial real estate non-owner occupied

    142

    —

    3

    —

    Construction and development < 60 months

    —

    —

    (5
    )

    —

    Construction residential real estate < 60 months

    3

    —

    94

    —

    Residential real estate first lien

    229

    0.01

    150

    —

    Residential real estate all other

    159

    —

    55

    —

    Agriculture

    123

    —

    369

    0.01

    Commercial non-real estate

    3,952

    0.05

    639

    0.01

    Consumer non-real estate

    1,677

    0.02

    1,168

    0.02

    Oil and gas

    92

    —

    59

    —

    Total
     
    $
    6,307

    0.08
    %
     
    $
    3,386

    0.05
    %

Fair Value Adjustments on Acquired Loans 

The fair value adjustment on acquired loans can consist of a credit component and a rate component to adjust for estimated credit exposures in the acquired loans. The credit component of the adjustment was a $1.1 million discount at December 31, 2024 and a $1.6 million discount at December 31, 2023. The rate component was $472,000 at December 31,