BancFirst Q3 EPS $1.52 vs $1.65 YoY; Durbin Amendment cuts interchange fee income by $5.4M

BANCFIRST CORP /OK/

2023-Q3 EPS reported $4.88

Net income $51.0M ($1.52 EPS) vs $55.4M ($1.65 EPS) in Q3 2022.
Net interest income $104.3M (+3.4% YoY); NIM narrowed to 3.73% from 3.87% in Q2 2023.
Noninterest income $44.4M vs $49.3M; $5.4M reduction from Durbin Amendment interchange fee cap.
Loans $7.5B (+$526.7M YTD), deposits $10.5B (-$440.1M), sweep accounts $4.0B (+$285.3M YTD).
Asset quality stable: nonaccrual 0.22% of loans, net charge-offs 0.02%, ACL 1.31%.

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