{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-084592","form_type":"8-K","ticker":"BANF","cik":"0000760498","company_name":"BANCFIRST CORP /OK/","filed_at":"2024-07-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.796076+00:00","generated_at":"2026-05-31T19:58:45.762335+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"BancFirst Q2 net income $50.6M ($1.51 EPS), down from $55.0M YoY; loan growth strong","bullets":["Net income $50.6M ($1.51 diluted EPS) vs $55.0M ($1.64) in Q2 2023; net interest income $109.9M (+4% YoY).","Net interest margin 3.76% vs 3.87% YoY; provision for credit losses $3.4M vs $2.8M.","Noninterest income $43.9M, down $4.1M YoY primarily from $5.7M Durbin Amendment interchange fee reduction.","Loans grew $394.7M since Dec 2023 to $8.1B; deposits up $315.5M to $11.0B; nonaccrual loans 0.55% vs 0.32% year-end.","CEO cites strong loan growth but uncertain credit outlook; allowance for credit losses unchanged from Q1."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-084592","json":"https://secwatch.observer/filing/0000950170-24-084592.json","markdown":"https://secwatch.observer/filing/0000950170-24-084592.md","text":"https://secwatch.observer/filing/0000950170-24-084592.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/760498/000095017024084592/0000950170-24-084592-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/760498/000095017024084592/banf-20240718.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T19:58:45.762335+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"}