{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-055459","form_type":"8-K","ticker":"BANF","cik":"0000760498","company_name":"BANCFIRST CORP /OK/","filed_at":"2025-04-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.193627+00:00","generated_at":"2026-05-23T12:42:01.887869+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"BancFirst Q1 net income $56.1M ($1.67 EPS) up 11.5% YoY; cautious outlook on economic slowdown","bullets":["Net income $56.1M ($1.67 diluted EPS) vs $50.3M ($1.50) in Q1 2024; net interest income $115.9M vs $106.1M.","Net interest margin unchanged at 3.70%; provision for credit losses $1.6M (down from $4.0M); net charge-offs $503K.","Noninterest expense $92.2M, includes $4.4M Volcker rule-related equity disposition; noninterest income $49.0M.","Loans grew $69.6M to $8.1B; deposits up $408.2M to $12.1B; nonaccrual loans 0.70%, allowance unchanged at 1.24%.","CEO David Harlow cites bond/equity volatility and increased likelihood of economic slowdown; reserves held steady."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-055459","json":"https://secwatch.observer/filing/0000950170-25-055459.json","markdown":"https://secwatch.observer/filing/0000950170-25-055459.md","text":"https://secwatch.observer/filing/0000950170-25-055459.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/760498/000095017025055459/0000950170-25-055459-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/760498/000095017025055459/banf-20250417.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T12:42:01.887869+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"}