{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-314223","form_type":"8-K","ticker":"BANF","cik":"0000760498","company_name":"BANCFIRST CORP /OK/","filed_at":"2026-07-23T20:38:54+00:00","discovered_at":"2026-07-23T20:40:00.271123+00:00","generated_at":"2026-07-23T20:40:10.379919+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 Q2 2026 net income $66.7M ($1.96 EPS), up from $62.3M ($1.85) YoY; announces SpiritBank acquisition","bullets":["Net income $66.7M ($1.96 diluted EPS) vs $62.3M ($1.85) in Q2 2025, a 7% increase.","Net interest income $133.5M, margin 3.84% (vs 3.75% a year ago).","Provision for credit losses $4.9M (vs $1.4M); nonaccrual loans 0.94% of total loans (up from 0.72%).","Noninterest income $53.9M, noninterest expense $97.5M; net charge-offs $2.4M (vs $4.7M).","CEO David Harlow: record quarter; announced acquisition of SpiritBank (pending regulatory approval, expected Q4 close)."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-314223","json":"https://secwatch.observer/filing/0001193125-26-314223.json","markdown":"https://secwatch.observer/filing/0001193125-26-314223.md","text":"https://secwatch.observer/filing/0001193125-26-314223.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/760498/000119312526314223/0001193125-26-314223-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/760498/000119312526314223/banf-20260723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T20:40:10.379919+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"}