BANCFIRST CORP /OK/
For the period ended Jun 30, 2025. Filed Aug 5, 2025.
View on SEC.govAbout this filing
A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Jun 30, 2025 · Filed Aug 5, 2025
BANF$117.72-0.1%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Statements of Comprehensive Income
(Dollars in thousands, except per share data)
| Three Months Ended · Six Months Ended | ||||
|---|---|---|---|---|
| June 30, | June 30, | |||
| 2025 | 2024 | 2025 | 2024 | |
| INTEREST INCOME | ||||
| Loans, including fees | $139,337 | $137,710 | $276,321 | $269,836 |
| Securities: | ||||
| Taxable | 6,887 | 8,932 | 13,893 | 18,113 |
| Tax-exempt | 17 | 18 | 35 | 38 |
| Federal funds sold | — | 5 | 1 | 24 |
| Interest-bearing deposits with banks | 42,186 | 31,800 | 80,653 | 62,097 |
| Total interest income | 188,427 | 178,465 | 370,903 | 350,108 |
| INTEREST EXPENSE | ||||
| Deposits | 66,089 | 67,479 | 131,579 | 131,892 |
| Short-term borrowings | 51 | 59 | 58 | 155 |
| Subordinated debt | 1,031 | 1,031 | 2,061 | 2,061 |
| Total interest expense | 67,171 | 68,569 | 133,698 | 134,108 |
| Net interest income | 121,256 | 109,896 | 237,205 | 216,000 |
| Provision for credit losses on loans | 1,239 | 3,358 | 2,700 | 7,373 |
| Provision for off-balance sheet credit exposures | 148 | — | 273 | — |
| Total provision for credit losses | 1,387 | 3,358 | 2,973 | 7,373 |
| Net interest income after provision for credit losses | 119,869 | 106,538 | 234,232 | 208,627 |
| NONINTEREST INCOME | ||||
| Trust revenue | 5,795 | 5,490 | 11,334 | 10,578 |
| Service charges on deposits | 17,741 | 17,280 | 34,545 | 33,708 |
| Securities transactions | (740) | 317 | (1,073) | 50 |
| Sales of loans | 830 | 733 | 1,466 | 1,224 |
| Insurance commissions | 7,920 | 6,668 | 18,330 | 16,123 |
| Cash management | 10,573 | 9,149 | 20,624 | 17,800 |
| Gain/(loss) on sale of other assets | 840 | 55 | 998 | (4) |
| Other | 5,089 | 4,252 | 10,718 | 9,365 |
| Total noninterest income | 48,048 | 43,944 | 96,942 | 88,844 |
| NONINTEREST EXPENSE | ||||
| Salaries and employee benefits | 55,147 | 51,928 | 109,740 | 103,456 |
| Occupancy, net | 6,037 | 5,233 | 11,790 | 10,439 |
| Depreciation | 4,691 | 4,504 | 9,499 | 9,060 |
| Amortization of intangible assets | 862 | 887 | 1,748 | 1,773 |
| Data processing services | 2,985 | 2,696 | 5,877 | 5,312 |
| Net expense from other real estate owned | 2,941 | 1,656 | 5,599 | 3,858 |
| Marketing and business promotion | 2,325 | 2,246 | 4,786 | 4,502 |
| Deposit insurance | 1,675 | 1,614 | 3,400 | 3,052 |
| Other | 11,536 | 14,552 | 27,939 | 26,643 |
| Total noninterest expense | 88,199 | 85,316 | 180,378 | 168,095 |
| Income before taxes | 79,718 | 65,166 | 150,796 | 129,376 |
| Income tax expense | 17,371 | 14,525 | 32,337 | 28,401 |
| Net income | $62,347 | $50,641 | $118,459 | $100,975 |
| NET INCOME PER COMMON SHARE | ||||
| Basic | $1.87 | $1.53 | $3.56 | $3.06 |
| Diluted | $1.85 | $1.51 | $3.51 | $3.01 |
| OTHER COMPREHENSIVE GAIN | ||||
| Unrealized income on debt securities, net of tax expense of $1,911, $1,263, $4,749 and $535, respectively | 6,159 | 4,105 | 15,297 | 1,801 |
| Other comprehensive income, net of tax expense of $1,911, $1,263, $4,749 and $535, respectively | 6,159 | 4,105 | 15,297 | 1,801 |
| Comprehensive income | $68,506 | $54,746 | $133,756 | $102,776 |
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