Renfro, who lives in Ponca City, graduated from the University of Missouri, Kansas City, in 1960 and joined Pioneer Bank & Trust in 1968. He became chairman and CEO in 1979, and although he retired in 2007, continues as chairman of the board. Renfro, who is devoted to higher education, served as an Oklahoma State Regent for 12 years and was chairman in 2004. He also was instrumental in establishing the University Center at Ponca City.

In 1993, Renfro co-founded the Standing Bear Native American Foundation. The Standing Bear project encompasses a 170-acre park with a 22-foot bronze statue of Chief Standing Bear, eight tribal courts, a permanent powwow arena, and a museum and education center.

A visionary leader, Renfro dedicates his time, talents and experience to projects that make a significant difference in his community and state. He is a true community supporter, serving on numerous boards and committees. Additionally, the Renfros have made contributions to establish endowment funds for the operations of the Standing Bear Foundation, student scholarships through the University Center Foundation, restoration of the Marland Mansion through its Foundation, a lectureship series through the Northern Oklahoma College Foundation, and scholarships for patients with addictions through Cushing Valley Hope.