---
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"
generated_at: "2026-07-23T20:40:10.379919+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# BancFirst Q2 2026 net income $66.7M ($1.96 EPS), up from $62.3M ($1.85) YoY; announces SpiritBank acquisition

## Summary
- 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).

## SEC filing metadata
- 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
- 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/760498/000119312526314223/0001193125-26-314223-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/760498/000119312526314223/banf-20260723.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-314223
- JSON: https://secwatch.observer/filing/0001193125-26-314223.json
- Plain text: https://secwatch.observer/filing/0001193125-26-314223.txt

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