---
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"
generated_at: "2026-06-20T13:35:30.473676+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# BancFirst Q4 net income $57.1M, $1.70 EPS; record earnings in 2022

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-23-000933
- JSON: https://secwatch.observer/filing/0000950170-23-000933.json
- Plain text: https://secwatch.observer/filing/0000950170-23-000933.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.