{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-019710","form_type":"8-K","ticker":"BANF","cik":"0000760498","company_name":"BANCFIRST CORP /OK/","filed_at":"2026-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.653438+00:00","generated_at":"2026-05-16T08:37:04.288437+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"BancFirst Q4 net income $59.5M ($1.75 EPS) vs $56.5M a year ago; record annual earnings","bullets":["Net income $59.5M, diluted EPS $1.75 (Q4 2024: $1.68); net interest income $127.7M vs $115.9M; margin 3.71%.","Noninterest income $53.3M (incl $4.5M gain on Visa B-1 stock sale) vs $47.0M; noninterest expense $107.4M (incl $5.6M OREO write-downs).","Closed Nov 17 acquisition of American Bank of Oklahoma for $33M; ABOK had $413M assets, $244M loans, $341M deposits.","Total assets $14.8B (up $1.3B YoY); loans $8.5B; deposits $12.7B; allowance for credit losses 1.22% of loans.","Nonaccrual loans 0.72% of total loans; net charge-offs $1.6M vs $985K in Q4 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-019710","json":"https://secwatch.observer/filing/0001193125-26-019710.json","markdown":"https://secwatch.observer/filing/0001193125-26-019710.md","text":"https://secwatch.observer/filing/0001193125-26-019710.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/760498/000119312526019710/0001193125-26-019710-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/760498/000119312526019710/banf-20260122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:37:04.288437+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"}