---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-24-115320"
form_type: "8-K"
ticker: "BANF"
cik: "0000760498"
company_name: "BANCFIRST CORP /OK/"
filed_at: "2024-10-17T23:59:59+00:00"
generated_at: "2026-05-30T13:29:56.448975+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# BancFirst Q3 net income $58.9M ($1.75 EPS), up 15% YoY; NIM expands to 3.78%

## Summary
- Net income $58.9M ($1.75 diluted EPS) vs $51.0M ($1.52) in Q3 2023.
- Net interest income rose to $115.0M from $104.3M; net interest margin 3.78% vs 3.73%.
- Loans grew $528.1M YTD to $8.2B; deposits increased $774.2M to $11.5B.
- Nonaccrual loans at 0.56% of total loans (year-end 2023: 0.32%); provision $3.0M.
- CEO notes Fed rate cut adds uncertainty to net interest margin outlook; credit stance unchanged.

## SEC filing metadata
- accession: 0000950170-24-115320
- form_type: 8-K
- ticker: BANF
- cik: 0000760498
- company_name: BANCFIRST CORP /OK/
- filed_at: 2024-10-17T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/760498/000095017024115320/0000950170-24-115320-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/760498/000095017024115320/banf-20241017.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-115320
- JSON: https://secwatch.observer/filing/0000950170-24-115320.json
- Plain text: https://secwatch.observer/filing/0000950170-24-115320.txt

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