---
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"
generated_at: "2026-05-23T12:42:01.887869+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# BancFirst Q1 net income $56.1M ($1.67 EPS) up 11.5% YoY; cautious outlook on economic slowdown

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-055459
- JSON: https://secwatch.observer/filing/0000950170-25-055459.json
- Plain text: https://secwatch.observer/filing/0000950170-25-055459.txt

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