{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-000933","form_type":"8-K","ticker":"BANF","cik":"0000760498","company_name":"BANCFIRST CORP /OK/","filed_at":"2023-01-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.031582+00:00","generated_at":"2026-06-20T13:35:30.473676+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"BancFirst Q4 net income $57.1M, $1.70 EPS; record earnings in 2022","bullets":["Q4 net income $57.1M ($1.70 diluted EPS) vs $38.2M ($1.15) Q4 2021; FY 2022 net income $193.1M ($5.77) vs $167.6M ($5.03).","Net interest income rose to $110.4M from $75.9M; net interest margin expanded to 3.83% from 2.87%.","Loan growth of 9% (organic $578M); total loans $6.9B; deposits $11.0B, up $2.9B.","Provision for credit losses $3.8M expense (vs $224k benefit); noninterest expense $84.6M incl $3.7M OREO write-down.","Asset quality: nonaccrual loans 0.22% of loans; allowance 1.33%; net charge-offs 0.01%."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-000933","json":"https://secwatch.observer/filing/0000950170-23-000933.json","markdown":"https://secwatch.observer/filing/0000950170-23-000933.md","text":"https://secwatch.observer/filing/0000950170-23-000933.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/760498/000095017023000933/0000950170-23-000933-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/760498/000095017023000933/banf-20230119.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T13:35:30.473676+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}