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Loans Held for Investment and Allowance for Credit Losses on Loans (Tables) | 6 Months Ended
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Jun. 30, 2020
Receivables [Abstract] |
Summary of Loans Held for Investment by Portfolio Segment | Loans held for investment are summarized by portfolio segment as follows:
| June 30, 2020 |  |  | December 31, 2019 |
| Amount |  |  | Amount |
| (Dollars in thousands) |
BancFirst |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |
Commercial real estate owner occupied | $ | 651,416 |  |  | $ | 621,188 |
Commercial real estate non-owner occupied |  | 990,180 |  |  |  | 851,200 |
Construction and development < 60 months |  | 225,598 |  |  |  | 287,138 |
Construction residential real estate < 60 months |  | 206,504 |  |  |  | 189,480 |
Residential real estate first lien |  | 860,964 |  |  |  | 834,849 |
Residential real estate all other |  | 180,839 |  |  |  | 187,647 |
Farmland |  | 256,136 |  |  |  | 246,988 |
Commercial and agricultural non-real estate |  | 1,470,523 |  |  |  | 1,499,404 |
Consumer non-real estate |  | 360,740 |  |  |  | 359,529 |
Other loans (2) |  | 987,250 |  |  |  | 154,015 |
Pegasus Bank |  | 484,804 |  |  |  | 430,705 |
Total (1) | $ | 6,674,954 |  |  | $ | 5,662,143 |
(1) Excludes accrued interest receivable of $31.0 million at June 30, 2020 and $27.4 million at December 31, 2019, that is recorded in accrued interest receivable and other assets. |
(2) Includes PPP loans of $825.1 million, net of unamortized processing fees of $26.2 million, at June 30, 2020. |
Summary of Troubled Debt Restructurings and Other Real Estate Owned and Repossessed Assets | The following is a summary of troubled debt restructurings and other real estate owned and repossessed assets:
|  | June 30, |  |  | December 31, |
|  | 2020 |  |  | 2019 |
|  | (Dollars in thousands) |
Troubled debt restructurings |  | $ | 3,213 |  |  | $ | 18,010 |
Other real estate owned and repossessed assets |  | $ | 4,948 |  |  | $ | 6,073 |
Summary of Amounts Included in Nonaccrual Loans Segregated by Portfolio Segment | The following table is a summary of amounts included in nonaccrual loans, segregated by portfolio segment. Residential real estate refers to one-to-four family real estate.
|  | June 30, 2020 |
|  | (Dollars in thousands) |
BancFirst |  |  |  |
Real estate: |  |  |  |
Commercial real estate owner occupied |  | $ | 2,094 |
Commercial real estate non-owner occupied |  |  | 463 |
Construction and development < 60 months |  |  | 119 |
Construction residential real estate < 60 months |  |  | — |
Residential real estate first lien |  |  | 3,904 |
Residential real estate all other |  |  | 792 |
Farmland |  |  | 3,118 |
Commercial and agricultural non-real estate |  |  | 32,299 |
Consumer non-real estate |  |  | 247 |
Other loans |  |  | 5,841 |
Pegasus Bank |  |  | 600 |
Total |  | $ | 49,477 |
|  | December 31, 2019 |
|  | (Dollars in thousands) |
BancFirst |  |  |  |
Real estate: |  |  |  |
Non-residential real estate owner occupied |  | $ | 2,275 |
Non-residential real estate other |  |  | 1,815 |
Residential real estate permanent mortgage |  |  | 1,206 |
Residential real estate all other |  |  | 3,060 |
Non-consumer non-real estate |  |  | 2,915 |
Consumer non-real estate |  |  | 264 |
Other loans |  |  | 1,083 |
Acquired loans |  |  | 4,496 |
Pegasus Bank |  |  | 851 |
Total |  | $ | 17,965 |
Age Analysis of Loans Held for Investments | Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. The following table presents an age analysis of our loans held for investment:
|  | Age Analysis of Past Due Loans |
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days and Greater |  |  | Total Past Due Loans |  |  | Current Loans |  |  | Total Loans |  |  | Accruing Loans 90 Days or More Past Due |
|  | (Dollars in thousands) |
As of June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
BancFirst |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied |  | $ | 415 |  |  | $ | 55 |  |  | $ | 2,037 |  |  | $ | 2,507 |  |  | $ | 648,909 |  |  | $ | 651,416 |  |  | $ | 77 |
Commercial real estate non-owner occupied |  |  | 50 |  |  |  | 112 |  |  |  | 188 |  |  |  | 350 |  |  |  | 989,830 |  |  |  | 990,180 |  |  |  | — |
Construction and development < 60 months |  |  | 952 |  |  |  | — |  |  |  | — |  |  |  | 952 |  |  |  | 224,646 |  |  |  | 225,598 |  |  |  | — |
Construction residential real estate < 60 months |  |  | 396 |  |  |  | — |  |  |  | — |  |  |  | 396 |  |  |  | 206,108 |  |  |  | 206,504 |  |  |  | — |
Residential real estate first lien |  |  | 3,587 |  |  |  | 1,316 |  |  |  | 4,575 |  |  |  | 9,478 |  |  |  | 851,486 |  |  |  | 860,964 |  |  |  | 1,945 |
Residential real estate all other |  |  | 449 |  |  |  | 171 |  |  |  | 766 |  |  |  | 1,386 |  |  |  | 179,453 |  |  |  | 180,839 |  |  |  | 63 |
Farmland |  |  | 1,649 |  |  |  | 888 |  |  |  | 3,257 |  |  |  | 5,794 |  |  |  | 250,342 |  |  |  | 256,136 |  |  |  | 763 |
Commercial and agricultural non-real estate |  |  | 19,056 |  |  |  | 4,766 |  |  |  | 4,841 |  |  |  | 28,663 |  |  |  | 1,441,860 |  |  |  | 1,470,523 |  |  |  | 2,154 |
Consumer non-real estate |  |  | 1,712 |  |  |  | 595 |  |  |  | 465 |  |  |  | 2,772 |  |  |  | 357,968 |  |  |  | 360,740 |  |  |  | 313 |
Other loans |  |  | 219 |  |  |  | 162 |  |  |  | 5,621 |  |  |  | 6,002 |  |  |  | 981,248 |  |  |  | 987,250 |  |  |  | 67 |
Pegasus Bank |  |  | — |  |  |  | — |  |  |  | 600 |  |  |  | 600 |  |  |  | 484,204 |  |  |  | 484,804 |  |  |  | — |
Total |  | $ | 28,485 |  |  | $ | 8,065 |  |  | $ | 22,350 |  |  | $ | 58,900 |  |  | $ | 6,616,054 |  |  | $ | 6,674,954 |  |  | $ | 5,382 |
As of December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
BancFirst |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-residential real estate owner occupied |  | $ | 1,600 |  |  | $ | 967 |  |  | $ | 5,159 |  |  | $ | 7,726 |  |  | $ | 699,690 |  |  | $ | 707,416 |  |  | $ | 3,799 |
Non-residential real estate other |  |  | 971 |  |  |  | — |  |  |  | 1,228 |  |  |  | 2,199 |  |  |  | 1,134,976 |  |  |  | 1,137,175 |  |  |  | — |
Residential real estate permanent mortgage |  |  | 4,705 |  |  |  | 973 |  |  |  | 2,215 |  |  |  | 7,893 |  |  |  | 332,679 |  |  |  | 340,572 |  |  |  | 1,660 |
Residential real estate other |  |  | 4,496 |  |  |  | 1,028 |  |  |  | 2,541 |  |  |  | 8,065 |  |  |  | 912,767 |  |  |  | 920,832 |  |  |  | 549 |
Non-consumer non-real estate |  |  | 2,290 |  |  |  | 1,446 |  |  |  | 1,763 |  |  |  | 5,499 |  |  |  | 1,448,894 |  |  |  | 1,454,393 |  |  |  | 354 |
Consumer other |  |  | 2,829 |  |  |  | 858 |  |  |  | 592 |  |  |  | 4,279 |  |  |  | 358,075 |  |  |  | 362,354 |  |  |  | 491 |
Other loans |  |  | 1,670 |  |  |  | 8 |  |  |  | 4,613 |  |  |  | 6,291 |  |  |  | 147,724 |  |  |  | 154,015 |  |  |  | 4,426 |
Acquired loans |  |  | 2,167 |  |  |  | 1,376 |  |  |  | 3,447 |  |  |  | 6,990 |  |  |  | 147,691 |  |  |  | 154,681 |  |  |  | 555 |
Pegasus Bank |  |  | — |  |  |  | — |  |  |  | 851 |  |  |  | 851 |  |  |  | 429,854 |  |  |  | 430,705 |  |  |  | — |
Total |  | $ | 20,728 |  |  | $ | 6,656 |  |  | $ | 22,409 |  |  | $ | 49,793 |  |  | $ | 5,612,350 |  |  | $ | 5,662,143 |  |  | $ | 11,834 |
Gross Loans Held for Investment by Year of Origination and Internally Assigned Credit Grades | The following table summarizes our gross loans held for investment by year of origination and internally assigned credit grades:
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |
|  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
|  | (Dollars in thousands)
As of June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
BancFirst |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | $93,204 |  | $115,392 |  | $88,126 |  | $56,119 |  | $43,573 |  | $117,406 |  | $9,505 |  | $523,325
Grade 2 |  | 16,310 |  | 31,307 |  | 12,723 |  | 10,742 |  | 13,926 |  | 29,741 |  | 3,324 |  | 118,073
Grade 3 |  | 142 |  | 107 |  | 599 |  | 1,583 |  | 495 |  | 1,380 |  | 2,742 |  | 7,048
Grade 4 |  | 47 |  | 78 |  | 879 |  | — |  | 392 |  | 1,107 |  | 467 |  | 2,970
Total commercial real estate owner occupied loans |  | 109,703 |  | 146,884 |  | 102,327 |  | 68,444 |  | 58,386 |  | 149,634 |  | 16,038 |  | 651,416
Commercial real estate non-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | 188,253 |  | 178,055 |  | 105,465 |  | 90,957 |  | 91,046 |  | 107,176 |  | 13,590 |  | 774,542
Grade 2 |  | 25,466 |  | 68,282 |  | 18,066 |  | 23,070 |  | 11,432 |  | 52,193 |  | 3,712 |  | 202,221
Grade 3 |  | 1,126 |  | 3,929 |  | 7,118 |  | 543 |  | 42 |  | 155 |  | 70 |  | 12,983
Grade 4 |  | — |  | 94 |  | 191 |  | — |  | — |  | 149 |  | — |  | 434
Total commercial real estate non-owner occupied loans |  | 214,845 |  | 250,360 |  | 130,840 |  | 114,570 |  | 102,520 |  | 159,673 |  | 17,372 |  | 990,180
Construction and development < 60 months |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | 66,608 |  | 76,743 |  | 28,386 |  | 5,535 |  | 2,880 |  | 4,081 |  | 14,229 |  | 198,462
Grade 2 |  | 12,612 |  | 8,249 |  | 1,698 |  | 853 |  | 166 |  | 568 |  | 442 |  | 24,588
Grade 3 |  | 34 |  | 2,211 |  | 184 |  | — |  | — |  | — |  | — |  | 2,429
Grade 4 |  | — |  | 70 |  | 10 |  | 24 |  | — |  | — |  | — |  | 104
Grade 5 |  | 15 |  | — |  | — |  | — |  | — |  | — |  | — |  | 15
Total construction and development < 60 months |  | 79,269 |  | 87,273 |  | 30,278 |  | 6,412 |  | 3,046 |  | 4,649 |  | 14,671 |  | 225,598
Construction residential real estate < 60 months |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | 94,678 |  | 72,479 |  | 69 |  | 22 |  | 37 |  | 32 |  | 4,727 |  | 172,044
Grade 2 |  | 18,660 |  | 11,920 |  | 114 |  | — |  | — |  | 481 |  | 32 |  | 31,207
Grade 3 |  | 1,416 |  | 1,440 |  | 397 |  | — |  | — |  | — |  | — |  | 3,253
Total construction residential real estate < 60 months |  | 114,754 |  | 85,839 |  | 580 |  | 22 |  | 37 |  | 513 |  | 4,759 |  | 206,504
Residential real estate first lien |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | 135,181 |  | 176,422 |  | 94,426 |  | 76,299 |  | 56,326 |  | 169,576 |  | — |  | 708,230
Grade 2 |  | 16,067 |  | 26,417 |  | 23,633 |  | 12,417 |  | 13,232 |  | 37,470 |  | — |  | 129,236
Grade 3 |  | 3,796 |  | 2,195 |  | 1,597 |  | 1,737 |  | 2,340 |  | 6,592 |  | — |  | 18,257
Grade 4 |  | 88 |  | 815 |  | 858 |  | 301 |  | 1,105 |  | 2,023 |  | — |  | 5,190
Grade 5 |  | — |  | — |  | — |  | — |  | 51 |  | — |  | — |  | 51
Total residential real estate first lien |  | 155,132 |  | 205,849 |  | 120,514 |  | 90,754 |  | 73,054 |  | 215,661 |  | — |  | 860,964
Residential real estate all other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | 13,054 |  | 17,126 |  | 13,224 |  | 9,660 |  | 6,747 |  | 13,647 |  | 32,726 |  | 106,184
Grade 2 |  | 2,064 |  | 2,381 |  | 1,545 |  | 1,997 |  | 415 |  | 2,999 |  | 59,063 |  | 70,464
Grade 3 |  | 180 |  | 890 |  | 996 |  | 161 |  | 226 |  | 386 |  | 311 |  | 3,150
Grade 4 |  | 52 |  | — |  | 74 |  | 51 |  | 34 |  | 720 |  | 40 |  | 971
Grade 5 |  | — |  | 70 |  | — |  | — |  | — |  | — |  | — |  | 70
Total residential real estate all other |  | 15,350 |  | 20,467 |  | 15,839 |  | 11,869 |  | 7,422 |  | 17,752 |  | 92,140 |  | 180,839
Farmland |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | 27,303 |  | 32,686 |  | 22,385 |  | 16,365 |  | 15,894 |  | 35,182 |  | 7,696 |  | 157,511
Grade 2 |  | 7,741 |  | 34,758 |  | 7,341 |  | 7,582 |  | 6,262 |  | 10,985 |  | 8,486 |  | 83,155
Grade 3 |  | 748 |  | 625 |  | 5,313 |  | 1,109 |  | 584 |  | 1,353 |  | 3,320 |  | 13,052
Grade 4 |  | — |  | — |  | 758 |  | 639 |  | 381 |  | 379 |  | 261 |  | 2,418
Total farmland |  | 35,792 |  | 68,069 |  | 35,797 |  | 25,695 |  | 23,121 |  | 47,899 |  | 19,763 |  | 256,136
Commercial and agricultural non-real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | 245,805 |  | 218,847 |  | 148,454 |  | 114,049 |  | 56,916 |  | 48,438 |  | 310,921 |  | 1,143,430
Grade 2 |  | 52,956 |  | 46,418 |  | 31,373 |  | 9,951 |  | 8,123 |  | 27,830 |  | 95,956 |  | 272,607
Grade 3 |  | 9,530 |  | 2,634 |  | 2,494 |  | 1,473 |  | 1,517 |  | 398 |  | 4,724 |  | 22,770
Grade 4 |  | 26,681 |  | 989 |  | 836 |  | 2,361 |  | 150 |  | 266 |  | 377 |  | 31,660
Grade 5 |  | — |  | 51 |  | — |  | — |  | — |  | — |  | 5 |  | 56
Total commercial and agricultural non-real estate |  | 334,972 |  | 268,939 |  | 183,157 |  | 127,834 |  | 66,706 |  | 76,932 |  | 411,983 |  | 1,470,523
Consumer non-real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | 97,332 |  | 134,078 |  | 62,491 |  | 23,064 |  | 8,531 |  | 3,601 |  | 6,040 |  | 335,137
Grade 2 |  | 5,823 |  | 8,919 |  | 5,049 |  | 1,440 |  | 822 |  | 451 |  | 268 |  | 22,772
Grade 3 |  | 207 |  | 866 |  | 574 |  | 303 |  | 127 |  | 114 |  | 15 |  | 2,206
Grade 4 |  | 17 |  | 224 |  | 211 |  | 53 |  | 49 |  | 70 |  | 1 |  | 625
Total consumer non-real estate |  | 103,379 |  | 144,087 |  | 68,325 |  | 24,860 |  | 9,529 |  | 4,236 |  | 6,324 |  | 360,740
Other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | 840,615 |  | 31,131 |  | 28,254 |  | 21,729 |  | 18,562 |  | 17,839 |  | 20,228 |  | 978,358
Grade 2 |  | — |  | — |  | 17 |  | 3,011 |  | 1,174 |  | 2,136 |  | 794 |  | 7,132
Grade 3 |  | — |  | — |  | 14 |  | 3 |  | 71 |  | 229 |  | 122 |  | 439
Grade 4 |  | — |  | — |  | 26 |  | 62 |  | 28 |  | 120 |  | 1,085 |  | 1,321
Total other loans |  | 840,615 |  | 31,131 |  | 28,311 |  | 24,805 |  | 19,835 |  | 20,324 |  | 22,229 |  | 987,250
Pegasus Bank |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grade 1 |  | 55,924 |  | 73,386 |  | 41,076 |  | 29,680 |  | 15,297 |  | 42,601 |  | 91,378 |  | 349,342
Grade 2 |  | 17,057 |  | 34,856 |  | 7,213 |  | 22,767 |  | 4,652 |  | 8,014 |  | 38,964 |  | 133,523
Grade 3 |  | — |  | — |  | — |  | — |  | — |  | 1,339 |  | — |  | 1,339
Grade 4 |  | — |  | — |  | — |  | — |  | 600 |  | — |  | — |  | 600
Total Pegasus Bank |  | 72,981 |  | 108,242 |  | 48,289 |  | 52,447 |  | 20,549 |  | 51,954 |  | 130,342 |  | 484,804
Total loans held for investment |  | $2,076,792 |  | $1,417,140 |  | $764,257 |  | $547,712 |  | $384,205 |  | $749,227 |  | $735,621 |  | $6,674,954
Activity in Allowance for Credit Losses on Loans | The following table details activity in the allowance for credit losses on loans for the period presented. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
|  | Allowance for Credit Losses |
|  | Balance at beginning of period |  |  | Impact of CECL adoption |  |  | Initial allowance on loans purchased with credit deterioration |  |  | Charge- offs |  |  | Recoveries |  |  | Net charge-offs |  |  | Provision for credit losses on loans |  |  | Balance at end of period |
|  | (Dollars in thousands) |
Three Months Ended June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
BancFirst |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied |  | $ | 4,544 |  |  | $ | — |  |  | $ | — |  |  | $ | (113 | ) |  | $ | 1 |  |  | $ | (112 | ) |  | $ | 2,198 |  |  | $ | 6,630 |
Commercial real estate non-owner occupied |  |  | 5,935 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,548 |  |  |  | 9,483 |
Construction and development < 60 months |  |  | 1,136 |  |  |  | — |  |  |  | — |  |  |  | (56 | ) |  |  | 3 |  |  |  | (53 | ) |  |  | 672 |  |  |  | 1,755 |
Construction residential real estate < 60 months |  |  | 1,618 |  |  |  | — |  |  |  | — |  |  |  | (28 | ) |  |  | — |  |  |  | (28 | ) |  |  | 669 |  |  |  | 2,259 |
Residential real estate first lien |  |  | 6,192 |  |  |  | — |  |  |  | — |  |  |  | (66 | ) |  |  | 4 |  |  |  | (62 | ) |  |  | 2,423 |  |  |  | 8,553 |
Residential real estate all other |  |  | 2,292 |  |  |  | — |  |  |  | — |  |  |  | (7 | ) |  |  | 1 |  |  |  | (6 | ) |  |  | 434 |  |  |  | 2,720 |
Farmland |  |  | 1,788 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 723 |  |  |  | 2,511 |
Commercial and agricultural non-real estate |  |  | 37,276 |  |  |  | — |  |  |  | — |  |  |  | (287 | ) |  |  | 66 |  |  |  | (221 | ) |  |  | 7,450 |  |  |  | 44,505 |
Consumer non-real estate |  |  | 3,385 |  |  |  | — |  |  |  | — |  |  |  | (235 | ) |  |  | 57 |  |  |  | (178 | ) |  |  | 1,507 |  |  |  | 4,714 |
Other loans |  |  | 2,751 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (238 | ) |  |  | 2,513 |
Pegasus Bank |  |  | 3,163 |  |  |  | — |  |  |  | — |  |  |  | 330 |  |  |  | 417 |  |  |  | 747 |  |  |  | (53 | ) |  |  | 3,857 |
Total |  | $ | 70,080 |  |  | $ | — |  |  | $ | — |  |  | $ | (462 | ) |  | $ | 549 |  |  | $ | 87 |  |  | $ | 19,333 |  |  | $ | 89,500 |
Six Months Ended June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
BancFirst |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied |  | $ | 5,625 |  |  | $ | (2,806 | ) |  | $ | 432 |  |  | $ | (113 | ) |  | $ | 1 |  |  | $ | (112 | ) |  | $ | 3,491 |  |  | $ | 6,630 |
Commercial real estate non-owner occupied |  |  | 8,358 |  |  |  | (5,507 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6,632 |  |  |  | 9,483 |
Construction and development < 60 months |  |  | 2,214 |  |  |  | (1,056 | ) |  |  | — |  |  |  | (59 | ) |  |  | 3 |  |  |  | (56 | ) |  |  | 653 |  |  |  | 1,755 |
Construction residential real estate < 60 months |  |  | 1,933 |  |  |  | (778 | ) |  |  | — |  |  |  | (29 | ) |  |  | — |  |  |  | (29 | ) |  |  | 1,133 |  |  |  | 2,259 |
Residential real estate first lien |  |  | 8,692 |  |  |  | (3,831 | ) |  |  | 7 |  |  |  | (218 | ) |  |  | 6 |  |  |  | (212 | ) |  |  | 3,897 |  |  |  | 8,553 |
Residential real estate all other |  |  | 2,767 |  |  |  | (1,408 | ) |  |  | — |  |  |  | (32 | ) |  |  | 28 |  |  |  | (4 | ) |  |  | 1,365 |  |  |  | 2,720 |
Farmland |  |  | 2,821 |  |  |  | (1,408 | ) |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,097 |  |  |  | 2,511 |
Commercial and agricultural non-real estate |  |  | 15,345 |  |  |  | 11,849 |  |  |  | 62 |  |  |  | (374 | ) |  |  | 83 |  |  |  | (291 | ) |  |  | 17,540 |  |  |  | 44,505 |
Consumer non-real estate |  |  | 3,252 |  |  |  | (622 | ) |  |  | — |  |  |  | (556 | ) |  |  | 114 |  |  |  | (442 | ) |  |  | 2,526 |  |  |  | 4,714 |
Other loans |  |  | 2,632 |  |  |  | (116 | ) |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | 2 |  |  |  | (5 | ) |  |  | 2,513 |
Pegasus Bank |  |  | 599 |  |  |  | 2,488 |  |  |  | — |  |  |  | (241 | ) |  |  | 424 |  |  |  | 183 |  |  |  | 587 |  |  |  | 3,857 |
Total |  | $ | 54,238 |  |  | $ | (3,195 | ) |  | $ | 502 |  |  | $ | (1,622 | ) |  | $ | 661 |  |  | $ | (961 | ) |  | $ | 38,916 |  |  | $ | 89,500 |
|  | Allowance for Credit Losses |
|  | Balance at beginning of period |  |  | Charge- offs |  |  | Recoveries |  |  | Net charge-offs |  |  | Provision for credit losses on loans |  |  | Balance at end of period |
|  | (Dollars in thousands) |
Three Months Ended June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
BancFirst |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-residential real estate owner occupied |  | $ | 6,655 |  |  | $ | (3 | ) |  | $ | — |  |  | $ | (3 | ) |  | $ | 235 |  |  | $ | 6,887 |
Non-residential real estate other |  |  | 11,362 |  |  |  | (16 | ) |  |  | 1 |  |  |  | (15 | ) |  |  | (60 | ) |  |  | 11,287 |
Residential real estate permanent mortgage |  |  | 3,261 |  |  |  | (4 | ) |  |  | 4 |  |  |  | — |  |  |  | 64 |  |  |  | 3,325 |
Residential real estate all other |  |  | 11,046 |  |  |  | (143 | ) |  |  | 25 |  |  |  | (118 | ) |  |  | 793 |  |  |  | 11,721 |
Non-consumer non-real estate |  |  | 14,409 |  |  |  | (87 | ) |  |  | 85 |  |  |  | (2 | ) |  |  | 825 |  |  |  | 15,232 |
Consumer non-real estate |  |  | 3,072 |  |  |  | (162 | ) |  |  | 38 |  |  |  | (124 | ) |  |  | 286 |  |  |  | 3,234 |
Other loans |  |  | 2,408 |  |  |  | — |  |  |  | 43 |  |  |  | 43 |  |  |  | (2 | ) |  |  | 2,449 |
Acquired loans |  |  | 702 |  |  |  | (170 | ) |  |  | 149 |  |  |  | (21 | ) |  |  | 292 |  |  |  | 973 |
Total |  | $ | 52,915 |  |  | $ | (585 | ) |  | $ | 345 |  |  | $ | (240 | ) |  | $ | 2,433 |  |  | $ | 55,108 |
Six Months Ended June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
BancFirst |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-residential real estate owner occupied |  | $ | 6,328 |  |  | $ | (9 | ) |  | $ | 1 |  |  | $ | (8 | ) |  | $ | 567 |  |  | $ | 6,887 |
Non-residential real estate other |  |  | 11,027 |  |  |  | (22 | ) |  |  | 1 |  |  |  | (21 | ) |  |  | 281 |  |  |  | 11,287 |
Residential real estate permanent mortgage |  |  | 3,261 |  |  |  | (67 | ) |  |  | 9 |  |  |  | (58 | ) |  |  | 122 |  |  |  | 3,325 |
Residential real estate all other |  |  | 10,673 |  |  |  | (195 | ) |  |  | 27 |  |  |  | (168 | ) |  |  | 1,216 |  |  |  | 11,721 |
Non-consumer non-real estate |  |  | 13,151 |  |  |  | (157 | ) |  |  | 152 |  |  |  | (5 | ) |  |  | 2,086 |  |  |  | 15,232 |
Consumer non-real estate |  |  | 3,065 |  |  |  | (282 | ) |  |  | 109 |  |  |  | (173 | ) |  |  | 342 |  |  |  | 3,234 |
Other loans |  |  | 2,423 |  |  |  | — |  |  |  | 78 |  |  |  | 78 |  |  |  | (52 | ) |  |  | 2,449 |
Acquired loans |  |  | 1,461 |  |  |  | (196 | ) |  |  | 153 |  |  |  | (43 | ) |  |  | (445 | ) |  |  | 973 |
Total |  | $ | 51,389 |  |  | $ | (928 | ) |  | $ | 530 |  |  | $ | (398 | ) |  | $ | 4,117 |  |  | $ | 55,108 |
Purchased Credit Deteriorated Loans | The Company has purchased loans, for which there was, at acquisition, evidence of more than insignificant deterioration of credit quality since origination. The purchased credit deteriorated loans for the period are as follows:
|  | Loans acquired with deteriorated credit quality |
|  | (Dollars in thousands) |
For the period ended June 30, 2020 |  |  |  |
Purchase price of loans at acquisition |  | $ | 1,586 |
Allowance for credit losses at acquisition |  |  | 502 |
Par value of acquired loans at acquisition |  | $ | 2,088 |
Collateral-Dependent Gross Loans Held for Investment by Collateral Type | A loan is considered collateral-dependent when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. The following table summarizes collateral-dependent gross loans held for investment by collateral type as follows:
|  | Collateral Type |
|  | Real Estate |  |  | Business Assets |  |  | Energy Reserves |  |  | Other Assets |
|  | (Dollars in thousands) |
As of June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
BancFirst |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied |  | $ | 2,386 |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial real estate non-owner occupied |  |  | 341 |  |  |  | — |  |  |  | — |  |  |  | — |
Construction and development < 60 months |  |  | 15 |  |  |  | — |  |  |  | — |  |  |  | — |
Construction residential real estate < 60 months |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Residential real estate first lien |  |  | 1,491 |  |  |  | — |  |  |  | — |  |  |  | — |
Residential real estate all other |  |  | 657 |  |  |  | — |  |  |  | — |  |  |  | — |
Farmland |  |  | 984 |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and agricultural non-real estate |  |  | — |  |  |  | 515 |  |  |  | 28,282 |  |  |  | 760 |
Consumer non-real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 127 |
Other loans |  |  | — |  |  |  | 23 |  |  |  | — |  |  |  | — |
Pegasus Bank |  |  | 1,265 |  |  |  | — |  |  |  | — |  |  |  | — |
Total collateral-dependent loans held for investment |  | $ | 7,139 |  |  | $ | 538 |  |  | $ | 28,282 |  |  | $ | 887 |
Transfers from Loans and Premises and Equipment to Other Real Estate Owned and Repossessed Assets | Transfers from loans and premises and equipment to other real estate owned and repossessed assets during the periods presented are summarized as follows:
|  | Six Months Ended June 30, |
|  | 2020 |  |  | 2019 |
|  | (Dollars in thousands) |
Other real estate owned |  | $ | 2,876 |  |  | $ | 2,010 |
Repossessed assets |  |  | 722 |  |  |  | 627 |
Total |  | $ | 3,598 |  |  | $ | 2,637 |

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