BANCFIRST CORPORATION REPORTS FOURTH QUARTER EARNINGS

Rhea-AI Summary

BancFirst (NASDAQ GS:BANF) reported Q4 2025 net income $59.5M (diluted EPS $1.75) versus $56.5M ($1.68) in Q4 2024. Net interest income rose to $127.7M from $115.9M, aided by higher loan volume and the Nov 17, 2025 acquisition of American Bank of Oklahoma for $33M. Total assets were $14.84B and loans were $8.54B at Dec 31, 2025. Noninterest income increased to $53.3M (includes $4.5M gain on Visa B-1 stock sale). Noninterest expense grew to $107.4M, driven by higher other real estate owned expense and payroll. Asset quality remained stable: nonaccrual loans $61.1M (0.72% of loans) and allowance for credit losses 1.22% of loans.

Positive

• Full-year net income +11.2% to $240.61M (2025 vs 2024)
• Q4 net interest income +10.2% to $127.7M
• Acquisition of American Bank of Oklahoma for $33M added ~$413M in assets
• Noninterest income increased to $53.3M including $4.5M Visa B-1 stock gain

Negative

• Q4 noninterest expense +16.3% to $107.4M
• Efficiency ratio worsened to 59.33% from 56.67% (+266 bps)
• Net expense from other real estate owned increased by $5.6M in Q4

Market Reaction

-5.77% $110.59

15m delay 2 alerts

-5.77% Since News

$110.59 Last Price

$109.83 $117.00 Day Range

-$226M Valuation Impact

$3.69B Market Cap

1.1x Rel. Volume

Following this news, BANF has declined 5.77%, reflecting a notable negative market reaction. Our momentum scanner has triggered 2 alerts so far, indicating moderate trading interest and price volatility. The stock is currently trading at $110.59. This price movement has removed approximately $226M from the company's valuation.

Data tracked by StockTitan Argus (15 min delayed). Upgrade to Silver for real-time data.

Key Figures

Q4 2025 net income: $59.5M Q4 2025 diluted EPS: $1.75 Q4 2025 net interest income: $127.7M +5 more

8 metrics

Q4 2025 net income $59.5M Fourth quarter 2025 vs $56.5M in Q4 2024

Q4 2025 diluted EPS $1.75 Fourth quarter 2025 vs $1.68 in Q4 2024

Q4 2025 net interest income $127.7M Quarter ended Dec 31, 2025; up from $115.9M in Q4 2024

Net interest margin 3.71% Q4 2025 vs 3.68% in Q4 2024

Noninterest income $53.3M Q4 2025 vs $47.0M in Q4 2024

Noninterest expense $107.4M Q4 2025 vs $92.3M in Q4 2024

Total assets $14.8B As of Dec 31, 2025; up $1.3B from year-end 2024

Total deposits $12.7B As of Dec 31, 2025; up $951.8M from year-end 2024

Market Reality Check

Price: $117.36 Vol: Volume 107,598 is roughly...

normal vol

$117.36 Last Close

Volume Volume 107,598 is roughly in line with the 20-day average of 106,411. normal

Technical Price 117.36 trades below the 200-day MA of 120.07, despite record earnings.

Peers on Argus

BANF is up 1.22% while key regional peers (IBOC, ASB, AUB, IFS, SFBS) are modest...

BANF is up 1.22% while key regional peers (IBOC, ASB, AUB, IFS, SFBS) are modestly negative, indicating a stock-specific earnings reaction rather than a sector-wide move.

Common Catalyst Several regional bank peers, including ASB and AUB, also reported earnings or financial results today, pointing to an earnings-driven news cycle for the group.

Previous Earnings Reports

4 past events · Latest: Oct 17 (Positive)

Same Type Pattern 4 events

Date	Event	Sentiment	Move	Catalyst
Oct 17	Quarterly earnings	Positive	-1.5%	Q3 2025 earnings with higher net income and net interest income.
Jul 17	Quarterly earnings	Positive	+3.1%	Q2 2025 earnings showing strong net income and loan-driven growth.
Apr 17	Quarterly earnings	Positive	+3.2%	Q1 2025 results with higher net income and stable NIM at 3.70%.
Jan 23	Quarterly earnings	Positive	-2.1%	Q4 2024 earnings with record net income and modest asset quality shifts.

Pattern Detected

Recent earnings have produced mixed reactions: two positive and two negative moves despite generally strong results.

Recent Company History

Over the last four earnings releases, BancFirst reported rising net interest income, steady margins around 3.7%, and expanding assets above $14B. Net income climbed from $56.5M in Q4 2024 to $62.7M in Q3 2025, with deposits and loans growing alongside solid asset quality. Market reactions have varied, with both rallies and pullbacks following earnings, suggesting investors focus on nuances such as expenses, credit provisioning, and outlook rather than headline growth alone.

Historical Comparison

earnings

+2.5 %

Average Historical Move

Historical Analysis

In the past four earnings releases, average post-earnings moves were about 2.49%. Today’s 1.22% gain is smaller but directionally consistent with generally positive fundamentals.

Typical Pattern

Earnings across 2024–2025 showed recurring record profits, expanding assets and deposits, and stable net interest margins, now supplemented by the American Bank of Oklahoma acquisition.

Regulatory & Risk Context

Active S-3 Shelf

Shelf Active

Active S-3 Shelf Registration 2025-08-05

An effective Form S-3ASR shelf, filed on August 5, 2025, allows BancFirst to offer common stock as needed. No usage has been recorded yet, so the shelf remains available as a potential future capital-raising tool.

Market Pulse Summary

The stock is down -5.8% following this news. A negative reaction despite record earnings would fit p...

Analysis

The stock is down -5.8% following this news. A negative reaction despite record earnings would fit prior divergence episodes, such as Q3 2025 and Q4 2024, when shares fell after strong reports. Investors may focus on rising noninterest expenses, including other real estate costs, even as Q4 2025 net income reached $59.5M. With an effective S-3ASR shelf from August 2025 still unused, the possibility of future equity issuance can also weigh on sentiment, despite solid margins and asset quality.

Key Terms

net interest margin, provision for credit losses, nonaccrual loans, allowance for credit losses, +3 more

7 terms

net interest margin financial

"Net interest margin improved slightly to 3.71% for the fourth quarter of 2025..."

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

provision for credit losses financial

"The Company recorded a reversal of provision for credit losses on loans of $2.0 million..."

Provision for credit losses is an amount set aside by a financial institution to cover potential future losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution manage risks and stay financially healthy. For investors, it signals how cautious a lender is about potential loan defaults and can impact the company's profitability and financial stability.

nonaccrual loans financial

"Nonaccrual loans of $61.1 million represented 0.72% of total loans at December 31, 2025..."

Nonaccrual loans are loans a lender has stopped counting toward interest income because the borrower is overdue or unlikely to pay; the lender only records cash payments received and may set aside extra funds to cover potential losses. For investors, a rising number or amount of nonaccrual loans signals weaker credit quality, lower future interest revenue and larger potential write-downs — similar to pausing expected subscription income when many customers stop paying.

allowance for credit losses financial

"The allowance for credit losses to total loans was 1.22% at December 31, 2025..."

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

tangible book value financial

"Tangible book value per common share (non-GAAP)(1)..."

Tangible book value is the accounting measure of a company’s net worth after removing intangible items like goodwill, patents and trademarks, leaving only physical and financial assets minus liabilities. For investors it offers a clearer view of the company’s hard-asset backing per share—like estimating the cash you could get by selling the furniture, machinery and cash in a house—helping gauge downside risk and whether a stock may be cheaply valued.

efficiency ratio financial

"Efficiency ratio | | 59.33 | | 52.47 | | 52.10..."

A measure of how much a company spends to produce each dollar of revenue, usually shown as operating expenses divided by revenue and expressed as a percentage. Think of it as a household’s budget: a lower percentage means more of each dollar earned stays as profit, while a higher number means costs are eating into returns. Investors use it to judge cost control and compare how efficiently companies turn revenue into earnings, especially in banks and financial firms.

junior subordinated debentures financial

"7.20% Junior Subordinated Debentures issued through its statutory trust subsidiary..."

A junior subordinated debenture is a long-term loan a company issues to investors that sits low in the repayment order: holders get paid after most other creditors but usually before shareholders. Because it offers higher interest to compensate for greater risk, it can boost income for investors but also carries bigger chances of loss if the issuer faces financial trouble. Think of it as standing near the back of a line for repayment — you get a bigger reward but a smaller guarantee.

AI-generated analysis. Not financial advice.

OKLAHOMA CITY, Jan. 22, 2026 /PRNewswire/ -- BancFirst Corporation (NASDAQ GS:BANF) reported net income of $59.5 million, or $1.75 per diluted share, for the fourth quarter of 2025 compared to net income of $56.5 million, or $1.68 per diluted share, for the fourth quarter of 2024. 

The Company's net interest income for the three-months ended December 31, 2025 increased to $127.7 million in comparison to $115.9 million for the same period in 2024. Higher loan volume and growth in other earning assets were the primary drivers of the change in net interest income. A contributor to the increase in net interest income was also the Company's November 2025 acquisition of American Bank of Oklahoma. Net interest margin improved slightly to 3.71% for the fourth quarter of 2025 from 3.68% for the fourth quarter of 2024. The Company recorded a reversal of provision for credit losses on loans of $2.0 million in the three months ending December 31, 2025 compared to a reversal of $1.4 million for the same period in 2024.

Noninterest income for the quarter totaled $53.3 million compared to $47.0 million last year. The increase in noninterest income was primarily due to a gain on the sale of Visa B-1 stock of $4.5 million. In addition, trust revenue, treasury income, sweep fees and securities transactions each increased when compared to fourth quarter last year.

Noninterest expense grew to $107.4 million for the quarter-ended December 31, 2025 compared to $92.3 million in the same quarter in 2024. The increase in noninterest expense was primarily driven by an increase in net expense from other real estate owned of $5.6 million which largely consisted of an increase in write-downs of other real estate of $4.1 million and other real estate expense of $1.4 million. Also contributing to noninterest expense was growth in salaries and employee benefits of $4.2 million, occupancy expense of $1 million and other noninterest expense of $3.2 million. American Bank of Oklahoma contributed $1.6 million of noninterest expense for the quarter.

At December 31, 2025, the Company's total assets were $14.8 billion, an increase of $1.3 billion from December 31, 2024. Loans grew $511.4 million from December 31, 2024, totaling $8.5 billion at December 31, 2025. Deposits totaled $12.7 billion, an increase of $951.8 million from year-end 2024. Off-balance sheet sweep accounts totaled $4.9 billion at December 31, 2025, down $262.6 million from December 31, 2024. The Company's total stockholders' equity totaled $1.9 billion at December 31, 2025.

Asset quality was strong through the quarter. Nonaccrual loans of $61.1 million represented 0.72% of total loans at December 31, 2025, relatively unchanged from $58.0 million or 0.72% of total loans at year-end 2024. The allowance for credit losses to total loans was 1.22% at December 31, 2025, down slightly from 1.24% at December 31, 2024. Net charge-offs were $1.6 million for the quarter, compared to $985,000 for the fourth quarter last year.

On November 17, 2025, the Company acquired American Bank of Oklahoma ("ABOK"), for aggregate consideration totaling $33 million. ABOK is a community bank headquartered in Collinsville, Oklahoma with six banking locations in Oklahoma. Upon acquisition, ABOK had approximately $413 million in total assets, $244 million in loans and $341 million in deposits. ABOK will continue to operate under its present name until it is merged into BancFirst, which is expected to be in the first quarter of 2026.

BancFirst Corporation CEO David Harlow commented, "The Company reported record net income and record earnings per share for the fifth consecutive year.  Loan growth, a stable net interest margin and solid growth in most all non-interest income categories contributed positively to the year's results. We closed on our previously announced acquisition of American Bank of Oklahoma in the quarter adding the Tulsa MSA communities of Collinsville and Skiatook to the 58 communities across the state that BancFirst serves. Our DFW banks Pegasus and Worthington continue to perform well with growth rates exceeding those of the company as a whole. Asset quality remains solid and charge-offs were in line at historical levels. Our outlook on the economy remains mixed and thus we continue to maintain a healthy allowance for credit losses as a percentage of loans."

BancFirst Corporation (the Company) is an Oklahoma based financial services holding company. The Company operates four subsidiary banks, BancFirst, an Oklahoma state-chartered bank with 105 banking locations serving 58 communities across Oklahoma, Pegasus Bank, a Texas state-chartered bank with three banking locations in the Dallas Metroplex area, 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 and American Bank of Oklahoma with six banking locations in Oklahoma. 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.

 

BancFirst Corporation Summary Financial Information (Dollars in thousands, except per share and share data - Unaudited)
		2025		2025		2025		2025		2024
		4th Qtr		3rd Qtr		2nd Qtr		1st Qtr		4th Qtr
Condensed Income Statements:
Net interest income		$                  127,667		$                  125,615		$                  121,256		$                  115,949		$                  115,917
Provision for credit losses on loans		(1,975)		4,222		1,239		1,461		(1,400)
Provision for off-balance sheet credit exposures		234		216		148		125		-
Noninterest income:
Trust revenue		5,933		5,850		5,795		5,539		5,551
Service charges on deposits		18,393		18,131		17,741		16,804		18,133
Securities transactions		964		492		(740)		(333)		355
Sales of loans		781		916		830		636		731
Insurance commissions		7,643		8,954		7,920		10,410		7,914
Cash management		10,120		10,338		10,573		10,051		9,221
Other		9,499		5,185		5,929		5,787		5,114
Total noninterest income		53,333		49,866		48,048		48,894		47,019
Noninterest expense:
Salaries and employee benefits		58,570		57,681		55,147		54,593		54,327
Occupancy expense, net		6,946		6,434		6,037		5,753		5,977
Depreciation		4,872		4,725		4,691		4,808		4,593
Amortization of intangible assets		836		862		862		886		887
Data processing services		3,041		2,901		2,985		2,892		2,726
Net expense from other real estate owned		12,044		2,778		2,941		2,658		6,446
Marketing and business promotion		3,121		2,126		2,325		2,461		2,719
Deposit insurance		1,692		1,736		1,675		1,725		1,653
Other		16,268		12,829		11,536		16,403		13,007
Total noninterest expense		107,390		92,072		88,199		92,179		92,335
Income before income taxes		75,351		78,971		79,718		71,078		72,001
Income tax expense		15,854		16,317		17,371		14,966		15,525
Net income		$                    59,497		$                    62,654		$                    62,347		$                    56,112		$                    56,476
Per Common Share Data:
Net income-basic		$                        1.78		$                        1.88		$                        1.87		$                        1.69		$                        1.71
Net income-diluted		1.75		1.85		1.85		1.66		1.68
Cash dividends declared		0.49		0.49		0.46		0.46		0.46
Common shares outstanding		33,539,032		33,329,247		33,272,131		33,241,564		33,216,519
Average common shares outstanding -
Basic		33,423,922		33,310,290		33,255,015		33,232,788		33,172,530
Diluted		33,906,434		33,864,129		33,795,243		33,768,873		33,750,993
Performance Ratios:
Return on average assets		1.60 %		1.76 %		1.79 %		1.66 %		1.67 %
Return on average stockholders' equity		13.02		14.18		14.74		13.85		14.04
Net interest margin		3.71		3.79		3.75		3.70		3.68
Efficiency ratio		59.33		52.47		52.10		55.92		56.67

 

BancFirst Corporation Summary Financial Information (Dollars in thousands, except per share and share data - Unaudited)
		2025		2025		2025		2025		2024
		4th Qtr		3rd Qtr		2nd Qtr		1st Qtr		4th Qtr
Balance Sheet Data:
Total assets		$ 14,838,893		$ 14,198,140		$ 14,045,780		$ 14,038,055		$ 13,554,314
Interest-bearing deposits with banks		4,177,406		3,849,736		3,737,763		3,706,328		3,315,932
Debt securities		924,948		1,015,941		1,104,604		1,167,441		1,211,754
Total loans		8,544,634		8,287,167		8,124,497		8,102,810		8,033,183
Allowance for credit losses		(104,299)		(99,511)		(96,988)		(100,455)		(99,497)
Noninterest-bearing demand deposits		3,897,613		3,816,389		3,967,626		4,027,797		3,907,060
Money market and interest-bearing checking deposits		5,610,882		5,393,791		5,301,439		5,393,995		5,231,327
Savings deposits		1,318,062		1,251,394		1,205,602		1,174,685		1,110,020
Time deposits		1,843,836		1,656,813		1,581,525		1,530,273		1,470,139
Total deposits		12,670,393		12,118,387		12,056,192		12,126,750		11,718,546
Stockholders' equity		1,854,125		1,782,801		1,728,038		1,672,827		1,621,187
Book value per common share		55.28		53.49		51.94		50.32		48.81
Tangible book value per common share (non-GAAP)(1)		49.20		47.71		46.12		44.47		42.92
Balance Sheet Ratios:
Average loans to deposits		66.43 %		67.32 %		67.11 %		68.08 %		69.63 %
Average earning assets to total assets		93.00		93.00		92.97		93.10		93.14
Average stockholders' equity to average assets		12.33		12.38		12.14		12.00		11.87
Asset Quality Data:
Past due loans		$          7,506		$          7,959		$          7,515		$          5,120		$          7,739
Nonaccrual loans (3)		61,130		57,266		49,878		56,371		57,984
Other real estate owned and repossessed assets		49,116		53,233		53,022		35,542		33,665
Nonaccrual loans to total loans		0.72 %		0.69 %		0.61 %		0.70 %		0.72 %
Allowance to total loans		1.22		1.20		1.19		1.24		1.24
Allowance to nonaccrual loans		170.62		173.77		194.45		178.20		171.59
Net charge-offs to average loans		0.02		0.02		0.05		0.01		0.01
Reconciliation of Tangible Book Value Per Common Share (non-GAAP)(2):
Stockholders' equity		$   1,854,125		$   1,782,801		$   1,728,038		$   1,672,827		$   1,621,187
Less goodwill		182,739		182,263		182,263		182,263		182,263
Less intangible assets, net		21,357		10,548		11,410		12,272		13,158
Tangible stockholders' equity (non-GAAP)		$   1,650,029		$   1,589,990		$   1,534,365		$   1,478,292		$   1,425,766
Common shares outstanding		33,539,032		33,329,247		33,272,131		33,241,564		33,216,519
Tangible book value per common share (non-GAAP)		$          49.20		$          47.71		$          46.12		$          44.47		$          42.92

(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 $10.6 million of nonaccrual loans at December 31, 2025.

 

BancFirst Corporation Summary Financial Information (Dollars in thousands, except per share and share data - Unaudited)
		Twelve months ended
		December 31,
		2025		2024
Condensed Income Statements:
Net interest income		$       490,487		$       446,874
Provision for credit losses on loans		4,947		9,004
Provision for off-balance sheet credit exposures		723		-
Noninterest income:
Trust revenue		23,117		21,801
Service charges on deposits		71,069		69,564
Securities transactions		383		97
Sales of loans		3,163		2,676
Insurance commissions		34,927		33,428
Cash management		41,082		36,210
Other		26,400		20,799
Total noninterest income		200,141		184,575
Noninterest expense:
Salaries and employee benefits		225,991		211,998
Occupancy expense, net		25,170		22,192
Depreciation		19,096		18,135
Amortization of intangible assets		3,446		3,546
Data processing services		11,819		10,758
Net expense from other real estate owned		20,421		13,055
Marketing and business promotion		10,033		9,389
Deposit insurance		6,828		6,350
Other		57,036		51,741
Total noninterest expense		379,840		347,164
Income before income taxes		305,118		275,281
Income tax expense		64,508		58,927
Net income		$       240,610		$       216,354
Per Common Share Data:
Net income-basic		$             7.22		$             6.55
Net income-diluted		7.11		6.44
Cash dividends declared		1.90		1.78
Common shares outstanding		33,539,032		33,216,519
Average common shares outstanding -
Basic		33,306,040		33,055,152
Diluted		33,837,333		33,617,015
Performance Ratios:
Return on average assets		1.70 %		1.68 %
Return on average stockholders' equity		13.93		14.23
Net interest margin		3.74		3.73
Efficiency ratio		55.00		54.98

 

BancFirst Corporation Consolidated Average Balance Sheets And Interest Margin Analysis Taxable Equivalent Basis (Dollars in thousands - Unaudited)
	Three Months Ended							Twelve Months Ended
	December 31, 2025							December 31, 2025
			Interest		Average					Interest		Average
	Average		Income/		Yield/			Average		Income/		Yield/
	Balance		Expense		Rate			Balance		Expense		Rate
ASSETS
Earning assets:
Loans	$        8,361,327		$           145,747		6.92	%		$    8,161,998		$  566,155		6.94	%
Securities – taxable	990,344		6,269		2.51			1,096,087		26,676		2.43
Securities – tax exempt	4,523		48		4.17			2,523		103		4.07
Interest bearing deposits with banks and FFS	4,324,507		43,050		3.95			3,887,286		168,067		4.32
Total earning assets	13,680,701		195,114		5.66			13,147,894		761,001		5.79
Nonearning assets:
Cash and due from banks	219,243							212,530
Interest receivable and other assets	913,585							873,924
Allowance for credit losses	(102,881)							(99,488)
Total nonearning assets	1,029,947							986,966
Total assets	$      14,710,648							$  14,134,860
LIABILITIES AND STOCKHOLDERS' EQUITY
Interest bearing liabilities:
Money market and interest-bearing checking deposits	$        5,529,879		$             39,587		2.84	%		$    5,385,919		$  162,133		3.01	%
Savings deposits	1,283,474		9,156		2.83			1,209,949		37,193		3.07
Time deposits	1,745,324		17,342		3.94			1,609,022		65,986		4.10
Short-term borrowings	13,327		131		3.91			7,046		289		4.10
Long-term borrowings	9,750		44		1.79			2,458		44		1.79
Subordinated debt	86,206		1,031		4.74			86,184		4,122		4.78
Total interest bearing liabilities	8,667,960		67,291		3.08			8,300,578		269,767		3.25
Interest free funds:
Noninterest bearing deposits	4,027,236							3,937,258
Interest payable and other liabilities	202,158							170,203
Stockholders' equity	1,813,294							1,726,821
Total interest free  funds	6,042,688							5,834,282
Total liabilities and stockholders' equity	$      14,710,648							$  14,134,860
Net interest income			$           127,823							$  491,234
Net interest spread					2.58	%						2.54	%
Effect of interest free funds					1.13	%						1.20	%
Net interest margin					3.71	%						3.74	%

 

View original content:https://www.prnewswire.com/news-releases/bancfirst-corporation-reports-fourth-quarter-earnings-302668538.html

SOURCE BancFirst

FAQ

What were BancFirst (BANF) Q4 2025 earnings and diluted EPS?

BancFirst reported Q4 2025 net income $59.5M and diluted EPS $1.75.

How did BancFirst's net interest income change in Q4 2025 (BANF)?

Q4 2025 net interest income rose to $127.7M from $115.9M in Q4 2024.

What did BancFirst's Nov 17, 2025 acquisition of American Bank of Oklahoma mean for BANF?

BancFirst acquired American Bank of Oklahoma for $33M, adding about $413M of assets and six Oklahoma branches; merger expected Q1 2026.

Why did BancFirst's noninterest expense rise in Q4 2025 (BANF)?

Q4 noninterest expense rose to $107.4M, driven by higher other real estate owned write-downs/expense and increased salaries and benefits.

What were BancFirst's total assets, loans, and deposits at Dec 31, 2025 (BANF)?

At Dec 31, 2025 BancFirst reported total assets $14.84B, total loans $8.54B, and total deposits $12.67B.

How was BancFirst's asset quality at year-end 2025 (BANF)?

Nonaccrual loans were $61.1M (0.72% of loans) and the allowance for credit losses was 1.22% of total loans at Dec 31, 2025.