---
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"
generated_at: "2026-06-09T21:19:25.444336+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-23-054201
- JSON: https://secwatch.observer/filing/0000950170-23-054201.json
- Plain text: https://secwatch.observer/filing/0000950170-23-054201.txt

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