---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-427999"
form_type: "8-K"
ticker: "BANF"
cik: "0000760498"
company_name: "BANCFIRST CORP /OK/"
filed_at: "2026-10-21T21:35:02+00:00"
generated_at: "2026-10-22T10:05:06.701262+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# BancFirst Q3 net income rises to $67.3M ($1.97 EPS) from $62.7M; nonaccrual loans climb to 0.87% of total loans

## Summary
- Net income $67.3M, or $1.97 per diluted share, vs $62.7M / $1.85 a year earlier; net interest income $136.0M vs $125.6M, net interest margin 3.85% vs 3.79%.
- Provision for credit losses $3.1M vs $4.4M; net charge-offs $4.0M vs $1.7M, incl. $1.8M on purchased credit deteriorated loans; allowance 1.23% of loans vs 1.22% at 12/31/25.
- Nonaccrual loans $75.6M, or 0.87% of total loans, up from 0.72% at year-end 2025, with one commercial loan the primary driver of the balance.
- Noninterest income $51.4M vs $49.9M on higher service charges and treasury income; noninterest expense $98.2M vs $92.1M, driven by $4.1M more in salaries and employee benefits.
- CEO David Harlow: Tulsa-based Spirit Bank acquisition "on schedule to close in October"; expects higher-for-longer rates to dampen economic activity. Total assets $15.0B, loans $8.7B, deposits $12.7B.

## SEC filing metadata
- accession: 0001193125-26-427999
- form_type: 8-K
- ticker: BANF
- cik: 0000760498
- company_name: BANCFIRST CORP /OK/
- filed_at: 2026-10-21T21:35:02+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/760498/000119312526427999/0001193125-26-427999-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/760498/000119312526427999/banf-20261021.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-427999
- JSON: https://secwatch.observer/filing/0001193125-26-427999.json
- Plain text: https://secwatch.observer/filing/0001193125-26-427999.txt

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