{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-242073","form_type":"8-K","ticker":"BANF","cik":"0000760498","company_name":"BANCFIRST CORP /OK/","filed_at":"2025-10-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.095820+00:00","generated_at":"2026-05-17T03:29:00.207947+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 Q3 net income $62.7M ($1.85 EPS) vs $58.9M ($1.75) YoY; NIM 3.79%","bullets":["Net income $62.7M ($1.85 diluted EPS) vs $58.9M ($1.75) in Q3 2024; net interest income up to $125.6M from $115.0M.","Loans grew $254M YTD to $8.3B; deposits up $399.8M to $12.1B; total assets $14.2B.","Nonaccrual loans improved to 0.69% of total loans from 0.72% at YE 2024; allowance 1.20%.","Noninterest income $49.9M (+$1.2M YoY); noninterest expense $92.1M (+$5.4M YoY) on higher salaries.","CEO cites loan growth and sustained NIM; Fed cut 25 bps in September, first cut since Dec 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-242073","json":"https://secwatch.observer/filing/0001193125-25-242073.json","markdown":"https://secwatch.observer/filing/0001193125-25-242073.md","text":"https://secwatch.observer/filing/0001193125-25-242073.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/760498/000119312525242073/0001193125-25-242073-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/760498/000119312525242073/banf-20251017.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:29:00.207947+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"}