---
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"
generated_at: "2026-06-03T17:32:10.301012+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# BancFirst Q1 net income $50.3M, EPS $1.50 vs $1.72 YoY; NIM 3.70% from 3.89%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/760498/000095017024045660/0000950170-24-045660-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/760498/000095017024045660/banf-20240418.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-045660
- JSON: https://secwatch.observer/filing/0000950170-24-045660.json
- Plain text: https://secwatch.observer/filing/0000950170-24-045660.txt

## Key facts
- Earnings Releases
  BANCFIRST CORP /OK/ reported the quarter ended March 31, 2024 results: net income $50.3 million, EPS $1.50 per diluted share.
  - Period: the quarter ended March 31, 2024
  - Net income: $50.3 million
  - EPS: $1.50 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/760498/000095017024045660/0000950170-24-045660-index.htm

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