BancFirst posts $66.7M Q2 2026 net income

BancFirst Corporation reported second quarter 2026 net income of $66.7 million, or $1.96 per diluted share, up from $62.3 million, or $1.85, a year earlier.

Rhea-AI Filing Summary

BancFirst Corporation reported second quarter 2026 net income of $66.7 million, or $1.96 per diluted share, up from $62.3 million, or $1.85, a year earlier. Net interest income rose to $133.5 million and net interest margin improved to 3.84% on higher loan volume and earning assets.

Noninterest income increased to $53.9 million, helped by broad-based fee growth and $2.9 million of bank-owned life insurance gains. Noninterest expense rose to $97.5 million, driven mainly by salaries and employee benefits of $60.3 million and higher net expense from other real estate owned.

Total assets reached $15.1 billion, with loans at $8.7 billion and deposits at $12.8 billion; stockholders’ equity was $2.0 billion. Credit metrics showed higher nonaccrual loans at 0.94% of total loans and net charge-offs of $2.4 million. The company announced the acquisition of SpiritBank, expanding its Tulsa, Oklahoma presence; pending regulatory approval, a fourth-quarter close and conversion is anticipated.

Positive

• Net interest income increased to $133.5 million for Q2 2026 from $121.3 million a year earlier, with net interest margin improving to 3.84%, indicating stronger core spread performance.
• Noninterest income grew to $53.9 million from $48.0 million in Q2 2025, supported by higher trust revenue, service charges, securities transactions, treasury income, and $2.9 million of bank-owned life insurance gains.
• Total assets reached $15.1 billion, with loans at $8.7 billion and deposits at $12.8 billion since year-end 2025, while stockholders’ equity increased by $103.0 million, reinforcing capital levels.

Negative

• Provision for credit losses rose to $4.9 million for Q2 2026 from $1.4 million in Q2 2025, reflecting higher expected credit losses despite relatively low net charge-offs.
• Nonaccrual loans increased to 0.94% of total loans and $81.4 million at June 30 2026, compared with 0.72% at year-end 2025, while allowance coverage of nonaccruals declined to 132.41%.

Filing Explained

At June 30, 2026, BancFirst reported nonaccrual loans of $81.4 million, or 0.94% of total loans, up from 0.72% at year-end, while its allowance for credit losses was 1.25% of loans versus 1.22%; the filing therefore shows higher nonaccrual loans alongside a slightly higher stated allowance.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Net income Q2 2026: $66.7 million Diluted EPS Q2 2026: $1.96 per share Net interest income Q2 2026: $133.5 million +5 more

8 metrics

Net income Q2 2026 $66.7 million Quarter ended June 30, 2026; compared with $62.3 million in Q2 2025

Diluted EPS Q2 2026 $1.96 per share Diluted earnings per share for Q2 2026 vs $1.85 in Q2 2025

Net interest income Q2 2026 $133.5 million Net interest income for the three months ended June 30, 2026 vs $121.3 million in 2025

Net interest margin Q2 2026 3.84% Net interest margin for the second quarter of 2026 vs 3.75% in Q2 2025

Total assets $15.1 billion Total assets at June 30, 2026, up $243.4 million from December 31, 2025

Total loans $8.7 billion Loans at June 30, 2026, an increase of $110.6 million from year-end 2025

Nonaccrual loans ratio 0.94% Nonaccrual loans as a percentage of total loans at June 30, 2026 vs 0.72% at year-end 2025

Efficiency ratio Q2 2026 52.02% Efficiency ratio for the second quarter of 2026 vs 52.10% in Q2 2025

Key Terms

net interest margin, efficiency ratio, allowance for credit losses, nonaccrual loans, +2 more

6 terms

net interest margin financial

"Net interest margin was 3.84% for the second quarter of 2026"

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.

efficiency ratio financial

"Efficiency ratio 52.02 in the performance ratios table"

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.

allowance for credit losses financial

"The allowance for credit losses to total loans was 1.25% at June 30, 2026"

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.

nonaccrual loans financial

"Nonaccrual loans represented 0.94% of total loans at June 30, 2026"

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.

other real estate owned financial

"Net expense from other real estate owned increased $1.6 million period to period"

Assets a lender or financial firm holds after taking back real property through foreclosure or repossession because a borrower defaulted. Think of it like a store keeping returned items it didn’t sell — these properties are not earning interest, can be costly to maintain, and may be sold at a loss or profit, so they directly affect a lender’s balance sheet, cash flow and perceived credit risk for investors.

tangible book value per common share (non-GAAP) financial

"Tangible book value per common share (non-GAAP) was 52.21 at June 30, 2026"

Earnings Snapshot

Net income Q2 2026: $66.7 million

Quarter and six months ended June 30, 2026

Net income Q2 2026 $66.7 million +$4.4 million vs Q2 2025

Diluted EPS Q2 2026 $1.96 +$0.11 vs Q2 2025

Net interest income Q2 2026 $133.5 million +$12.2 million vs Q2 2025

Net income six months 2026 $129.7 million +$11.2 million vs first half 2025

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What were BancFirst (BANF) second quarter 2026 earnings?

BancFirst reported Q2 2026 net income of $66.7 million, or $1.96 diluted EPS, compared with $62.3 million, or $1.85 per diluted share, in Q2 2025, reflecting higher net interest income and stronger fee revenues.

How did BancFirst (BANF) net interest margin and income perform in Q2 2026?

Net interest income rose to $133.5 million in Q2 2026 from $121.3 million a year earlier. Net interest margin improved to 3.84% from 3.75%, driven by higher loan volume and overall growth in earning assets.

What were BancFirst (BANF) assets, loans, and deposits at June 30, 2026?

At June 30 2026, BancFirst had $15.1 billion in total assets, $8.7 billion in loans, and $12.8 billion in deposits. Sweep accounts totaled $5.0 billion, and stockholders’ equity stood at $2.0 billion.

How is BancFirst (BANF) asset quality trending in mid-2026?

Nonaccrual loans were 0.94% of total loans, or $81.4 million, at June 30 2026, up from 0.72% at year-end 2025. The allowance for credit losses was 1.25% of loans, and quarterly net charge-offs totaled $2.4 million, down from $4.7 million a year earlier.

What noninterest income trends did BancFirst (BANF) report for Q2 2026?

Noninterest income reached $53.9 million in Q2 2026 versus $48.0 million a year earlier. Trust revenue, service charges, securities transactions, and treasury income increased, and the company recognized $2.9 million of gains from bank-owned life insurance claims, partially offset by lower insurance commissions.

What strategic actions such as acquisitions did BancFirst (BANF) highlight?

Management highlighted the announced acquisition of SpiritBank, which adds Bristow and Sapulpa and expands BancFirst’s Tulsa market presence. Pending regulatory approval, a fourth-quarter 2026 closing and systems conversion is anticipated.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 07/23/2026 - 04:39 PM Accepted by SEC EDGAR 07/23/2026 - 04:38 PM Learn about SEC filing dates

false000076049800007604982026-07-232026-07-23

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 Jurisdiction of Incorporation)			(Commission File Number)	(IRS Employer Identification 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.”
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

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

1

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.

2

BancFirst Corporation
Summary Financial Information
(Dollars in thousands, except per share and share data - Unaudited)
		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

3

	BancFirst Corporation
	Summary Financial Information
	(Dollars in thousands, except per share and share data - Unaudited)
			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.

4

BancFirst Corporation
Summary Financial Information
(Dollars in thousands, except per share and share data - Unaudited)
		Six months ended
		June 30,
		2026				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

5

	BancFirst Corporation
	Consolidated Average Balance Sheets
	And Interest Margin Analysis
	Taxable Equivalent Basis
	(Dollars in thousands - Unaudited)
	Three Months Ended													Six Months Ended
	June 30, 2026													June 30, 2026
					Interest				Average									Interest				Average
	Average				Income/				Yield/					Average				Income/				Yield/
	Balance				Expense				Rate					Balance				Expense				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			%

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