{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-008352","form_type":"8-K","ticker":"BANF","cik":"0000760498","company_name":"BANCFIRST CORP /OK/","filed_at":"2025-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.288809+00:00","generated_at":"2026-05-27T17:37:13.034261+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"BancFirst Q4 net income $56.5M ($1.68 EPS) up from $48.9M; record annual earnings","bullets":["Net income Q4 $56.5M ($1.68 diluted EPS) vs $48.9M ($1.46) in Q4 2023; annual net income record $216.4M ($6.44 EPS).","Net interest income increased to $115.9M from $105.1M; NIM stable at 3.68%.","Loans grew $373M to $8.0B; deposits up $1.0B to $11.7B; sweep accounts up $871.6M to $5.2B.","Nonaccrual loans rose to 0.72% of total loans from 0.32% a year ago; allowance ratio 1.24% vs 1.26%.","CEO David Harlow: record net income for fourth consecutive year; positive outlook for 2025 on strong regional economy."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-008352","json":"https://secwatch.observer/filing/0000950170-25-008352.json","markdown":"https://secwatch.observer/filing/0000950170-25-008352.md","text":"https://secwatch.observer/filing/0000950170-25-008352.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/760498/000095017025008352/0000950170-25-008352-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/760498/000095017025008352/banf-20250123.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T17:37:13.034261+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"}