---
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"
generated_at: "2026-05-16T08:37:04.288437+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# BancFirst Q4 net income $59.5M ($1.75 EPS) vs $56.5M a year ago; record annual earnings

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-019710
- JSON: https://secwatch.observer/filing/0001193125-26-019710.json
- Plain text: https://secwatch.observer/filing/0001193125-26-019710.txt

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