---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-23-033692"
form_type: "8-K"
ticker: "BANF"
cik: "0000760498"
company_name: "BANCFIRST CORP /OK/"
filed_at: "2023-07-20T23:59:59+00:00"
generated_at: "2026-06-13T05:56:49.382263+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# BancFirst Q2 net income $55M ($1.64 EPS) vs $44.7M ($1.34) YoY; NIM 3.87%

## Summary
- Net income $55.0M, $1.64 diluted EPS, up from $44.7M ($1.34) in Q2 2022.
- Net interest margin improved to 3.87% from 3.05% a year ago; net interest income $105.9M vs $86.9M.
- Provision for credit losses $2.8M vs $501K; noninterest income $48.0M, up from $42.6M on sweep fee growth.
- Total assets $12.0B; loans grew $357.7M to $7.3B; deposits down $499M to $10.5B as sweep accounts rose $567.7M.
- Credit quality strong: nonaccrual loans 0.25% of total loans, allowance 1.33%, net charge-offs 0.01%.

## SEC filing metadata
- accession: 0000950170-23-033692
- form_type: 8-K
- ticker: BANF
- cik: 0000760498
- company_name: BANCFIRST CORP /OK/
- filed_at: 2023-07-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/760498/000095017023033692/0000950170-23-033692-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/760498/000095017023033692/banf-20230720.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-23-033692
- JSON: https://secwatch.observer/filing/0000950170-23-033692.json
- Plain text: https://secwatch.observer/filing/0000950170-23-033692.txt

## Key facts
- Earnings Releases
  BANCFIRST CORP /OK/ reported the quarter ended June 30, 2023 results: revenue $105.9 million, net income $55.0 million, EPS $1.64 diluted earnings per share.
  - Period: the quarter ended June 30, 2023
  - Revenue: $105.9 million
  - Net income: $55.0 million
  - EPS: $1.64 diluted earnings per share
  - Result: reported results
  source text: or $3.36 per share, compared to $80.6 million, or $2.42 per share, for the first half of 2022. The Company’s net interest income for the second quarter of 2023 increased to $105.9 million compared to $86.9 million for the quarter ended June 30, 2022. Rising short-term interest rates and modest loan growth drove the increase. The net interest margin for the quarter
  evidence_url: https://www.sec.gov/Archives/edgar/data/760498/000095017023033692/0000950170-23-033692-index.htm

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