BANCFIRST CORP /OK/

For the period ended Jun 30, 2026. Filed Aug 7, 2026.

About 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, 2026 · Filed Aug 7, 2026

BANF$117.72-0.1%Stored close · as of Nov 10, 2026

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Contents

Consolidated Statements of Comprehensive Income

(Dollars in thousands, except per share data)

Three Months Ended · Six Months Ended
	June 30,		June 30,
	2026	2025	2026	2025
INTEREST INCOME
Loans, including fees	$147,873	$139,337	$292,046	$276,321
Securities:
Taxable	7,413	6,887	13,286	13,893
Tax-exempt	54	17	106	35
Federal funds sold	—	—	414	1
Interest-bearing deposits with banks	40,042	42,186	79,710	80,653
Total interest income	195,382	188,427	385,562	370,903
INTEREST EXPENSE
Deposits	60,514	66,089	121,742	131,579
Short-term borrowings	102	51	244	58
Long-term borrowings	—	—	42	—
Subordinated debt	1,031	1,031	2,061	2,061
Other interest expense	199	—	332	—
Total interest expense	61,846	67,171	124,421	133,698
Net interest income	133,536	121,256	261,141	237,205
Provision for credit losses on loans	4,831	1,239	7,409	2,700
Provision for (benefit from) off-balance sheet credit exposures	48	148	(387)	273
Total provision for credit losses	4,879	1,387	7,022	2,973
Net interest income after provision for credit losses	128,657	119,869	254,119	234,232
NONINTEREST INCOME
Trust revenue	6,078	5,795	12,135	11,334
Service charges on deposits	19,090	17,741	37,132	34,545
Securities transactions	725	(740)	1,629	(1,073)
Sales of loans	913	830	1,693	1,466
Insurance commissions	7,481	7,920	16,921	18,330
Cash management	10,922	10,573	21,488	20,624
(Loss)/gain on sale of other assets	(104)	840	(276)	998
Other	8,844	5,089	14,618	10,718
Total noninterest income	53,949	48,048	105,340	96,942
NONINTEREST EXPENSE
Salaries and employee benefits	60,306	55,147	119,161	109,740
Occupancy, net	6,320	6,037	12,606	11,790
Depreciation	4,988	4,691	9,804	9,499
Amortization of intangible assets	974	862	1,949	1,748
Data processing services	2,990	2,985	6,438	5,877
Net expense from other real estate owned	4,567	2,941	8,172	5,599
Marketing and business promotion	2,077	2,325	4,718	4,786
Deposit insurance	1,642	1,675	3,489	3,400
Other	13,667	11,536	27,983	27,939
Total noninterest expense	97,531	88,199	194,320	180,378
Income before taxes	85,075	79,718	165,139	150,796
Income tax expense	18,388	17,371	35,457	32,337
Net income	$66,687	$62,347	$129,682	$118,459
NET INCOME PER COMMON SHARE
Basic	$1.98	$1.87	$3.86	$3.56
Diluted	$1.96	$1.85	$3.81	$3.51
OTHER COMPREHENSIVE INCOME:
Unrealized income on debt securities, net of tax expense of $774, $1,911, $7 and $4,749, respectively	2,475	6,159	42	15,297
Other comprehensive income, net of tax expense of $774, $1,911, $7 and $4,749, respectively	2,475	6,159	42	15,297
Comprehensive income	$69,162	$68,506	$129,724	$133,756

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.