---
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"
generated_at: "2026-05-27T17:37:13.034261+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# BancFirst Q4 net income $56.5M ($1.68 EPS) up from $48.9M; record annual earnings

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/760498/000095017025008352/0000950170-25-008352-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/760498/000095017025008352/banf-20250123.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-008352
- JSON: https://secwatch.observer/filing/0000950170-25-008352.json
- Plain text: https://secwatch.observer/filing/0000950170-25-008352.txt

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