# BancFirst Corporation (BANF) 8-K SEC filing

- Filed: Jul 23, 2026, 4:38 PM EDT
- Accession: 0001193125-26-314223
- OpenCapital page: https://www.opencapital.sh/filings/0001193125-26-314223
- Markdown URL: https://www.opencapital.sh/filings/0001193125-26-314223.md
- Official SEC filing index: https://www.sec.gov/Archives/edgar/data/760498/000119312526314223/0001193125-26-314223-index.htm

## Filing documents

- [8-K (banf-20260723.htm)](https://www.sec.gov/Archives/edgar/data/760498/000119312526314223/banf-20260723.htm)
- [EX-99.1 (banf-ex99_1.htm)](https://www.sec.gov/Archives/edgar/data/760498/000119312526314223/banf-ex99_1.htm)

---

## 8-K

SEC source: [banf-20260723.htm](https://www.sec.gov/Archives/edgar/data/760498/000119312526314223/banf-20260723.htm)

UNITED STATES  
SECURITIES AND EXCHANGE COMMISSION  WASHINGTON, D.C. 20549

## FORM 8-K

### CURRENT REPORT

### Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 23, 2026

### BancFirst Corporation

### (Exact name of Registrant as Specified in Its Charter)

|  |  |  |
| --- | --- | --- |
| Oklahoma | 0-14384 | 73-1221379 |
| (State or Other Jurisdictionof Incorporation) | (Commission File Number) | (IRS EmployerIdentification No.) |
| 100 N. Broadway Ave. |  |  |
| Oklahoma City, Oklahoma |  | 73102-8405 |
| (Address of Principal Executive Offices) |  | (Zip Code) |

Registrant’s Telephone Number, Including Area Code: 405 270-1086

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

### Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading   Symbol(s) Name of each exchange on which registered

Common Stock, $1.00 Par Value Per Share BANF Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

## Item 2.02 Results of Operations and Financial Condition.

BancFirst Corporation Reports Second Quarter Earnings

                On July 23, 2026, BancFirst Corporation announced its results of operations for the quarter ended June 30, 2026. A copy of the related press release is being filed as Exhibit 99.1 to this Form 8-K and is incorporated herein by reference in its entirety.

## Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No. Description

99.1 [Press Release, dated July 23, 2026, issued by BancFirst Corporation titled “BancFirst Corporation Reports Second Quarter Earnings.”](banf-ex99_1.htm)

104 Cover Page Interactive Data File (embedded within the inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

BANCFIRST CORPORATION

Date: July 23, 2026 By: /s/ Hannah Andrus

Hannah Andrus   Executive Vice President   Chief Financial Officer

---

## EX-99.1

SEC source: [banf-ex99_1.htm](https://www.sec.gov/Archives/edgar/data/760498/000119312526314223/banf-ex99_1.htm)

Exhibit 99.1

| | |
| --- | --- |
| | 100 N. Broadway Ave |
| FOR IMMEDIATE RELEASE | Oklahoma City, OK 73102 |
| Thursday, July 23, 2026 | www.bancfirst.bank |

BANCFIRST CORPORATION REPORTS SECOND QUARTER EARNINGS

BancFirst Corporation (NASDAQ GS: BANF) reported net income of $66.7 million, or $1.96 per diluted share, for the second quarter of 2026 compared to net income of $62.3 million, or $1.85 per diluted share, for the second quarter of 2025.

The Company’s net interest income for the three-months ending June 30, 2026 increased to $133.5 million from $121.3 million for the same period in 2025. Higher loan volume and general growth in earning assets were the primary drivers of the change in net interest income. Net interest margin was 3.84% for the second quarter of 2026 compared to 3.75% for the second quarter of 2025. The Company recorded a provision for credit losses of $4.9 million and $1.4 million for the quarter ended June 30, 2026 and 2025, respectively.

Noninterest income for the quarter totaled $53.9 million compared to $48.0 million in the same quarter last year. Trust revenue, service charges on deposits, securities transactions, and treasury income each increased when compared to second quarter of 2025. The Company also recorded gains of $2.9 million related to bank owned life insurance claims during the quarter. The increase in noninterest income was partially offset by a decrease in insurance commissions.

Noninterest expense grew to $97.5 million for the quarter ended June 30, 2026 compared to $88.2 million in the same quarter in 2025. The increase in noninterest expense was primarily attributable to the growth in salaries and employee benefits of $5.2 million. The total salaries and employee benefits expenses recorded of $60.3 million is after a favorable adjustment to the funded employee benefit trust of $800,000. Also driving the increase in noninterest expense was net expense from other real estate owned, which increased $1.6 million period to period.

At June 30, 2026, the Company’s total assets were $15.1 billion, an increase of $243.4 million from December 31, 2025. Loans grew $110.6 million from December 31, 2025, totaling $8.7 billion at June 30, 2026. Deposits totaled $12.8 billion, an increase of $155.9 million from year-end 2025. Sweep accounts totaled $5.0 billion at June 30, 2026, up $100.8 million from December 31, 2025. The Company’s stockholders’ equity stood at $2.0 billion, an increase of $103.0 million from the end of 2025.

Nonaccrual loans represented 0.94% of total loans at June 30, 2026, up from 0.72% at year-end 2025. Nonaccrual loans totaled $81.4 million at the end of the second quarter 2026. The allowance for credit losses to total loans was 1.25% at June 30, 2026 and 1.22% at December 31, 2025. Net charge-offs totaled $2.4 million for the quarter compared to $4.7 million for the second quarter last year.

BancFirst Corporation CEO David Harlow commented, “The Company enjoyed a record quarter fueled by an expanding margin and earning asset growth. Noninterest income growth was solid across most major categories and expenses were managed in line with plan. We announced the acquisition of SpiritBank during the quarter, adding the Tulsa MSA communities of Bristow and Sapulpa while expanding our presence in the Tulsa market. Pending regulatory approval, a fourth quarter close and conversion is anticipated. Our economic outlook continues to be guarded, although charge-offs remain at historically low levels. With a $4.9 million provision during the quarter, our allowance for credit losses remains at a healthy level.”

BancFirst Corporation (the Company) is an Oklahoma based financial services holding company. The Company operates three subsidiary banks, BancFirst, an Oklahoma state-chartered bank with 109 banking locations serving 62 communities across Oklahoma, Pegasus Bank, a Texas state-chartered bank with three banking locations in the Dallas Metroplex area, and Worthington Bank, a Texas state-chartered bank with three locations in the Fort Worth Metroplex area, one location in Arlington Texas and one location in Denton Texas. More information can be found at www.bancfirst.bank.

The Company may make forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934 with respect to earnings, credit quality, corporate objectives, interest rates and other financial and business matters. Forward-looking statements include estimates and give management’s current expectations or forecasts of future events. The Company cautions readers that these forward-looking statements are subject to numerous assumptions, risks and uncertainties, including economic conditions, the performance of financial markets and interest rates; legislative and regulatory actions and reforms; competition; as well as other factors, all of which change over time. Actual results may differ materially from forward-looking statements.

For additional information call:

Hannah Andrus, Chief Financial Officer at (405) 218-4174 or David Harlow, Chief Executive Officer at (405) 270-1082.

**BancFirst Corporation**

**Summary Financial Information**

_(Dollars in thousands, except per share and share data - Unaudited)_

| Line item | 2026 | 2026 | 2025 | 2025 | 2025 |
| --- | --- | --- | --- | --- | --- |
|  | 2nd Qtr | 1st Qtr | 4th Qtr | 3rd Qtr | 2nd Qtr |
| Condensed Income Statements: |  |  |  |  |  |
| Net interest income | $133,536 | $127,605 | $127,667 | $125,615 | $121,256 |
| Provision for credit losses on loans | 4,831 | 2,578 | (1,975) | 4,222 | 1,239 |
| Provision for/(benefit from) off-balance sheet credit exposures | 48 | (435) | 234 | 216 | 148 |
| Noninterest income: |  |  |  |  |  |
| Trust revenue | 6,078 | 6,057 | 5,933 | 5,850 | 5,795 |
| Service charges on deposits | 19,090 | 18,042 | 18,393 | 18,131 | 17,741 |
| Securities transactions | 725 | 904 | 964 | 492 | (740) |
| Sales of loans | 913 | 780 | 781 | 916 | 830 |
| Insurance commissions | 7,481 | 9,440 | 7,643 | 8,954 | 7,920 |
| Cash management | 10,922 | 10,566 | 10,120 | 10,338 | 10,573 |
| Other | 8,740 | 5,602 | 9,499 | 5,185 | 5,929 |
| Total noninterest income | 53,949 | 51,391 | 53,333 | 49,866 | 48,048 |
| Noninterest expense: |  |  |  |  |  |
| Salaries and employee benefits | 60,306 | 58,855 | 58,570 | 57,681 | 55,147 |
| Occupancy expense, net | 6,320 | 6,286 | 6,946 | 6,434 | 6,037 |
| Depreciation | 4,988 | 4,816 | 4,872 | 4,725 | 4,691 |
| Amortization of intangible assets | 974 | 975 | 836 | 862 | 862 |
| Data processing services | 2,990 | 3,448 | 3,041 | 2,901 | 2,985 |
| Net expense from other real estate owned | 4,567 | 3,605 | 12,044 | 2,778 | 2,941 |
| Marketing and business promotion | 2,077 | 2,641 | 3,121 | 2,126 | 2,325 |
| Deposit insurance | 1,642 | 1,847 | 1,692 | 1,736 | 1,675 |
| Other | 13,667 | 14,316 | 16,268 | 12,829 | 11,536 |
| Total noninterest expense | 97,531 | 96,789 | 107,390 | 92,072 | 88,199 |
| Income before income taxes | 85,075 | 80,064 | 75,351 | 78,971 | 79,718 |
| Income tax expense | 18,388 | 17,069 | 15,854 | 16,317 | 17,371 |
| Net income | $66,687 | $62,995 | $59,497 | $62,654 | $62,347 |
| Per Common Share Data: |  |  |  |  |  |
| Net income-basic | $1.98 | $1.88 | $1.78 | $1.88 | $1.87 |
| Net income-diluted | 1.96 | 1.85 | 1.75 | 1.85 | 1.85 |
| Cash dividends declared | 0.49 | 0.49 | 0.49 | 0.49 | 0.46 |
| Common shares outstanding | 33,598,745 | 33,575,976 | 33,539,032 | 33,329,247 | 33,272,131 |
| Average common shares outstanding - |  |  |  |  |  |
| Basic | 33,586,922 | 33,557,536 | 33,423,922 | 33,310,290 | 33,255,015 |
| Diluted | 34,057,507 | 34,027,895 | 33,906,434 | 33,864,129 | 33,795,243 |
| Performance Ratios: |  |  |  |  |  |
| Return on average assets | 1.77% | 1.71% | 1.60% | 1.76% | 1.79% |
| Return on average stockholders’ equity | 13.84 | 13.59 | 13.02 | 14.18 | 14.74 |
| Net interest margin | 3.84 | 3.74 | 3.71 | 3.79 | 3.75 |
| Efficiency ratio | 52.02 | 54.07 | 59.33 | 52.47 | 52.10 |

**BancFirst Corporation**

**Summary Financial Information**

_(Dollars in thousands, except per share and share data - Unaudited)_

| Line item | 2026 | 2026 | 2025 | 2025 | 2025 |
| --- | --- | --- | --- | --- | --- |
|  | 2nd Qtr | 1st Qtr | 4th Qtr | 3rd Qtr | 2nd Qtr |
| Balance Sheet Data: |  |  |  |  |  |
| Total assets | $15,082,243 | $15,116,541 | $14,838,893 | $14,198,140 | $14,045,780 |
| Interest-bearing deposits with banks | 4,164,678 | 4,430,751 | 4,177,406 | 3,849,736 | 3,737,763 |
| Debt securities | 1,113,240 | 886,519 | 924,948 | 1,015,941 | 1,104,604 |
| Total loans | 8,655,260 | 8,596,068 | 8,544,634 | 8,287,167 | 8,124,497 |
| Allowance for credit losses | (107,810) | (105,330) | (104,299) | (99,511) | (96,988) |
| Noninterest-bearing demand deposits | 4,162,306 | 4,105,840 | 3,897,613 | 3,816,389 | 3,967,626 |
| Money market and interest-bearing checking deposits | 5,442,757 | 5,605,932 | 5,610,882 | 5,393,791 | 5,301,439 |
| Savings deposits | 1,428,690 | 1,391,142 | 1,318,062 | 1,251,394 | 1,205,602 |
| Time deposits | 1,792,537 | 1,798,187 | 1,843,836 | 1,656,813 | 1,581,525 |
| Total deposits | 12,826,290 | 12,901,101 | 12,670,393 | 12,118,387 | 12,056,192 |
| Stockholders' equity | 1,957,097 | 1,901,912 | 1,854,125 | 1,782,801 | 1,728,038 |
| Book value per common share | 58.25 | 56.65 | 55.28 | 53.49 | 51.94 |
| Tangible book value per common share (non-GAAP)(1) | 52.21 | 50.58 | 49.20 | 47.71 | 46.12 |
| Balance Sheet Ratios: |  |  |  |  |  |
| Average loans to deposits | 67.02% | 67.02% | 66.43% | 67.32% | 67.11% |
| Average earning assets to total assets | 92.45 | 92.84 | 93.00 | 93.00 | 92.97 |
| Average stockholders' equity to average assets | 12.79 | 12.60 | 12.33 | 12.38 | 12.14 |
| Asset Quality Data: |  |  |  |  |  |
| Past due loans | $7,077 | $8,364 | $8,115 | $7,959 | $7,515 |
| Nonaccrual loans (3) | 81,420 | 62,178 | 61,130 | 57,266 | 49,878 |
| Other real estate owned and repossessed assets | 61,703 | 53,649 | 49,134 | 53,233 | 53,022 |
| Nonaccrual loans to total loans | 0.94% | 0.72% | 0.72% | 0.69% | 0.61% |
| Allowance to total loans | 1.25 | 1.23 | 1.22 | 1.20 | 1.19 |
| Allowance to nonaccrual loans | 132.41 | 169.40 | 170.62 | 173.77 | 194.45 |
| Net charge-offs to average loans | 0.03 | 0.02 | 0.02 | 0.02 | 0.05 |
| Reconciliation of Tangible Book Value Per Common Share (non-GAAP)(2): |  |  |  |  |  |
| Stockholders' equity | $1,957,097 | $1,901,912 | $1,854,125 | $1,782,801 | $1,728,038 |
| Less goodwill | 183,388 | 183,388 | 182,739 | 182,263 | 182,263 |
| Less intangible assets, net | 19,408 | 20,382 | 21,357 | 10,548 | 11,410 |
| Tangible stockholders’ equity (non-GAAP) | $1,754,301 | $1,698,142 | $1,650,029 | $1,589,990 | $1,534,365 |
| Common shares outstanding | 33,598,745 | 33,575,976 | 33,539,032 | 33,329,247 | 33,272,131 |
| Tangible book value per common share (non-GAAP) | $52.21 | $50.58 | $49.20 | $47.71 | $46.12 |
| (1) Refer to the “Reconciliation of Tangible Book Value per Common Share (non-GAAP)” Table. |  |  |  |  |  |
| (2) Tangible book value per common share is stockholders’ equity less goodwill and intangible assets, net, divided by common shares outstanding. This amount is a non-GAAP financial measure but has been included as it is considered to be a critical metric with which to analyze and evaluate the financial condition and capital strength of the Company. This measure should not be considered a substitute for operating results determined in accordance with GAAP. |  |  |  |  |  |
| (3) Government Agencies guarantee approximately $7.9 million of nonaccrual loans at June 30, 2026. |  |  |  |  |  |

**BancFirst Corporation**

**Summary Financial Information**

_(Dollars in thousands, except per share and share data - Unaudited)_

| Line item | Six months ended / June 30, 2026 | Six months ended / June 30, 2025 |
| --- | --- | --- |
| Condensed Income Statements: |  |  |
| Net interest income | $261,141 | $237,205 |
| Provision for credit losses on loans | 7,409 | 2,700 |
| (Benefit from)/provision for off-balance sheet credit exposures | (387) | 273 |
| Noninterest income: |  |  |
| Trust revenue | 12,135 | 11,334 |
| Service charges on deposits | 37,132 | 34,545 |
| Securities transactions | 1,629 | (1,073) |
| Sales of loans | 1,693 | 1,466 |
| Insurance commissions | 16,921 | 18,330 |
| Cash management | 21,488 | 20,624 |
| Other | 14,342 | 11,716 |
| Total noninterest income | 105,340 | 96,942 |
| Noninterest expense: |  |  |
| Salaries and employee benefits | 119,161 | 109,740 |
| Occupancy expense, net | 12,606 | 11,790 |
| Depreciation | 9,804 | 9,499 |
| Amortization of intangible assets | 1,949 | 1,748 |
| Data processing services | 6,438 | 5,877 |
| Net expense from other real estate owned | 8,172 | 5,599 |
| Marketing and business promotion | 4,718 | 4,786 |
| Deposit insurance | 3,489 | 3,400 |
| Other | 27,983 | 27,939 |
| Total noninterest expense | 194,320 | 180,378 |
| Income before income taxes | 165,139 | 150,796 |
| Income tax expense | 35,457 | 32,337 |
| Net income | $129,682 | $118,459 |
| Per Common Share Data: |  |  |
| Net income-basic | $3.86 | $3.56 |
| Net income-diluted | 3.81 | 3.51 |
| Cash dividends declared | 0.98 | 0.92 |
| Common shares outstanding | 33,598,745 | 33,272,131 |
| Average common shares outstanding - |  |  |
| Basic | 33,572,310 | 33,243,963 |
| Diluted | 34,040,322 | 33,782,069 |
| Performance Ratios: |  |  |
| Return on average assets | 1.74% | 1.73% |
| Return on average stockholders’ equity | 13.72 | 14.31 |
| Net interest margin | 3.79 | 3.72 |
| Efficiency ratio | 53.02 | 53.98 |

_(Dollars in thousands - Unaudited)_

| Line item | Banc First Corporation / Consolidated Average Balance Sheets / And Interest Margin Analysis / Taxable Equivalent Basis / Three Months Ended / June 30, 2026 / Average / Balance | Banc First Corporation / Consolidated Average Balance Sheets / And Interest Margin Analysis / Taxable Equivalent Basis / Three Months Ended / June 30, 2026 / Interest / Income/ / Expense | Banc First Corporation / Consolidated Average Balance Sheets / And Interest Margin Analysis / Taxable Equivalent Basis / Three Months Ended / June 30, 2026 / Average / Yield/ / Rate | Banc First Corporation / Consolidated Average Balance Sheets / And Interest Margin Analysis / Taxable Equivalent Basis / Six Months Ended / June 30, 2026 / Average / Balance | Banc First Corporation / Consolidated Average Balance Sheets / And Interest Margin Analysis / Taxable Equivalent Basis / Six Months Ended / June 30, 2026 / Interest / Income/ / Expense | Banc First Corporation / Consolidated Average Balance Sheets / And Interest Margin Analysis / Taxable Equivalent Basis / Six Months Ended / June 30, 2026 / Average / Yield/ / Rate |
| --- | --- | --- | --- | --- | --- | --- |
| ASSETS |  |  |  |  |  |  |
| Earning assets: |  |  |  |  |  |  |
| Loans | $8,610,837 | $148,013 | 6.89% | $8,580,750 | $292,330 | 6.87% |
| Securities – taxable | 999,677 | 7,413 | 2.97 | 950,975 | 13,286 | 2.82 |
| Securities – tax exempt | 6,756 | 68 | 4.01 | 7,148 | 134 | 3.77 |
| Interest bearing deposits with banks and FFS | 4,343,973 | 40,042 | 3.70 | 4,368,252 | 80,124 | 3.70 |
| Total earning assets | 13,961,243 | 195,536 | 5.62 | 13,907,125 | 385,874 | 5.60 |
| Nonearning assets: |  |  |  |  |  |  |
| Cash and due from banks | 217,300 |  |  | 221,400 |  |  |
| Interest receivable and other assets | 1,028,343 |  |  | 988,094 |  |  |
| Allowance for credit losses | (105,148) |  |  | (104,780) |  |  |
| Total nonearning assets | 1,140,495 |  |  | 1,104,714 |  |  |
| Total assets | $15,101,738 |  |  | $15,011,839 |  |  |
| LIABILITIES AND STOCKHOLDERS' EQUITY |  |  |  |  |  |  |
| Interest bearing liabilities: |  |  |  |  |  |  |
| Money market and interest-bearing checking deposits | $5,499,834 | $34,602 | 2.52% | $5,546,776 | $69,920 | 2.54% |
| Savings deposits | 1,408,443 | 9,467 | 2.70 | 1,379,604 | 18,405 | 2.69 |
| Time deposits | 1,815,864 | 16,445 | 3.63 | 1,817,743 | 33,417 | 3.71 |
| Short-term borrowings | 13,798 | 102 | 2.97 | 14,444 | 244 | 3.40 |
| Long-term borrowings | - | - | - | 3,055 | 42 | 2.77 |
| Subordinated debt | 86,233 | 1,031 | 4.80 | 86,226 | 2,061 | 4.82 |
| Other liabilities | 16,747 | 199 | 4.76 | 16,736 | 332 | 4.00 |
| Total interest bearing liabilities | 8,840,919 | 61,846 | 2.81 | 8,864,584 | 124,421 | 2.83 |
| Interest free funds: |  |  |  |  |  |  |
| Noninterest bearing deposits | 4,123,897 |  |  | 4,059,407 |  |  |
| Interest payable and other liabilities | 204,942 |  |  | 182,001 |  |  |
| Equity | 1,931,980 |  |  | 1,905,847 |  |  |
| Total interest free funds | 6,260,819 |  |  | 6,147,255 |  |  |
| Total liabilities and stockholders’ equity | $15,101,738 |  |  | $15,011,839 |  |  |
| Net interest income |  | $133,690 |  |  | $261,453 |  |
| Net interest spread |  |  | 2.81% |  |  | 2.77% |
| Effect of interest free funds |  |  | 1.03% |  |  | 1.02% |
| Net interest margin |  |  | 3.84% |  |  | 3.79% |