{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-054201","form_type":"8-K","ticker":"BANF","cik":"0000760498","company_name":"BANCFIRST CORP /OK/","filed_at":"2023-10-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.959130+00:00","generated_at":"2026-06-09T21:19:25.444336+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"BancFirst Q3 EPS $1.52 vs $1.65 YoY; Durbin Amendment cuts interchange fee income by $5.4M","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-054201","json":"https://secwatch.observer/filing/0000950170-23-054201.json","markdown":"https://secwatch.observer/filing/0000950170-23-054201.md","text":"https://secwatch.observer/filing/0000950170-23-054201.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/760498/000095017023054201/0000950170-23-054201-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/760498/000095017023054201/banf-20231019.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T21:19:25.444336+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"}