{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-045660","form_type":"8-K","ticker":"BANF","cik":"0000760498","company_name":"BANCFIRST CORP /OK/","filed_at":"2024-04-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.917148+00:00","generated_at":"2026-06-03T17:32:10.301012+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"BancFirst Q1 net income $50.3M, EPS $1.50 vs $1.72 YoY; NIM 3.70% from 3.89%","bullets":["Net income $50.3M ($1.50/diluted) vs $57.5M ($1.72) in Q1 2023, down 12.5%.","Net interest income $106.1M vs $109.2M YoY; net interest margin compressed to 3.70% from 3.89%.","Loans grew $127.7M to $7.8B; deposits up $209.5M to $10.9B; total assets $12.6B.","Provision for credit losses $4.0M vs $2.3M; nonaccrual loans 0.54% of loans vs 0.32% year-end.","Noninterest income $44.9M vs $47.8M; Durbin Amendment reduced interchange fees by ~$5.3M."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-045660","json":"https://secwatch.observer/filing/0000950170-24-045660.json","markdown":"https://secwatch.observer/filing/0000950170-24-045660.md","text":"https://secwatch.observer/filing/0000950170-24-045660.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/760498/000095017024045660/0000950170-24-045660-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/760498/000095017024045660/banf-20240418.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T17:32:10.301012+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":[{"claim_id":"3130cacc5515c550da9d5154ddd86835d5c515f3","claim":"BANCFIRST CORP /OK/ reported the quarter ended March 31, 2024 results: net income $50.3 million, EPS $1.50 per diluted share.","evidence_excerpt":"BancFirst Corporation (NASDAQ GS:BANF) reported net income of $50.3 million, or $1.50 per diluted share, for the first quarter of 2024 compared to net income of $57.5 million, or $1.72 per diluted share, for the first quarter of 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/760498/000095017024045660/0000950170-24-045660-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2024"},{"label":"Net income","value":"$50.3 million"},{"label":"EPS","value":"$1.50 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}