BancFirst posts higher Q1 2026 profit and margin

BancFirst Corporation reported strong first quarter 2026 results, with net income rising to $63.0 million, or $1.85 per diluted share, up from $56.1 million, or $1.66 per diluted share a year earlier.

Rhea-AI Filing Summary

BancFirst Corporation reported strong first quarter 2026 results, with net income rising to $63.0 million, or $1.85 per diluted share, up from $56.1 million, or $1.66 per diluted share a year earlier. Higher net interest income of $127.6 million, compared with $115.9 million in 2025, was driven mainly by higher loan volume and overall growth in earning assets. Net interest margin improved to 3.74% from 3.70%.

Noninterest income increased to $51.4 million from $49.0 million, helped by higher trust revenue, service charges, treasury income and securities transactions, partly offset by lower insurance commissions. Noninterest expense rose to $96.8 million, largely from higher salaries and benefits, conversion costs for American Bank of Oklahoma, and despite the absence of a $4.4 million Volcker-related expense recorded in 2025. Assets reached $15.1 billion, loans $8.6 billion, and deposits $12.9 billion, all higher than year-end 2025, while credit quality metrics such as nonaccrual loans at 0.72% of total loans and an allowance ratio of 1.23% remained stable.

Positive

• Double-digit earnings growth: Net income increased to $63.0 million and diluted EPS to $1.85, both up from the prior-year quarter, supported by higher net interest income and margin expansion.
• Strong balance sheet growth: Total assets reached $15.1 billion, deposits $12.9 billion, and loans $8.6 billion, all higher than year-end 2025, indicating healthy franchise growth.
• Solid profitability metrics: Return on average assets of 1.71% and return on average stockholders’ equity of 13.59% reflect strong operating performance for a regional bank.

Negative

• None.

Insights

Banking sector equity analyst

Quarter shows solid growth in earnings, margin, and deposits with stable credit.

BancFirst Corporation delivered year-over-year earnings growth, with net income up from $56.1 million to $63.0 million and diluted EPS rising from $1.66 to $1.85. Net interest income expanded to $127.6 million as loans and earning assets grew, lifting net interest margin to 3.74%.

Noninterest income increased to $51.4 million, while noninterest expense climbed to $96.8 million, reflecting higher compensation and conversion costs tied to American Bank of Oklahoma. The absence of the prior-year $4.4 million Volcker-related expense also supports cleaner comparability.

Balance sheet growth was broad-based: total assets reached $15.1 billion, deposits $12.9 billion, and loans $8.6 billion. Credit quality remained steady, with nonaccrual loans at 0.72% of total loans and allowance coverage at 1.23%. Return on average assets of 1.71% and return on equity of 13.59% indicate healthy profitability for the quarter.

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 Q1 2026: $63.0 million Diluted EPS Q1 2026: $1.85 per share Net interest income: $127.6 million +5 more

8 metrics

Net income Q1 2026 $63.0 million Quarter ended March 31, 2026 vs $56.1 million in Q1 2025

Diluted EPS Q1 2026 $1.85 per share Quarter ended March 31, 2026 vs $1.66 in Q1 2025

Net interest income $127.6 million Three months ended March 31, 2026 vs $115.9 million prior year

Net interest margin 3.74% Q1 2026 vs 3.70% in Q1 2025

Total assets $15.1 billion Balance at March 31, 2026; up $277.6 million from year-end 2025

Total deposits $12.9 billion Balance at March 31, 2026; up $230.7 million from year-end 2025

Nonaccrual loans ratio 0.72% of total loans At both March 31, 2026 and December 31, 2025

Allowance for credit losses ratio 1.23% of total loans At March 31, 2026 vs 1.22% at December 31, 2025

Key Terms

net interest margin, provision for credit losses, noninterest income, nonaccrual loans, +2 more

6 terms

net interest margin financial

"Net interest margin was 3.74% for the first quarter of 2026 compared to 3.70%"

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 provision for credit losses of $2.1 million and $1.6 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.

noninterest income financial

"Noninterest income for the quarter totaled $51.4 million compared to $49.0 million"

Noninterest income is the money a bank or financial firm earns from activities other than charging interest on loans, such as account fees, transaction charges, advisory and underwriting fees, trading gains, and service income — like a store making extra money from repairs, warranties or delivery charges rather than product sales. It matters to investors because it shows how diversified a company’s revenue is and whether it can withstand changes in interest rates; a strong noninterest income stream can stabilize profits but may also be more variable than steady loan interest.

nonaccrual loans financial

"Nonaccrual loans represented 0.72% of total loans at both March 31, 2026 and year-end 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.

efficiency ratio financial

"Efficiency ratio 54.07 59.33 52.47 52.10 55.92"

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.

tangible book value per common share financial

"Tangible book value per common share (non-GAAP) 50.58 49.20 47.71"

A per-share measure of the company’s tangible net asset value available to common shareholders after removing intangible items (like goodwill, brand value, and patents) and any preferred shareholder claims. Think of it as the amount each common share would get if the company sold only its physical and financial assets and settled priority claims. Investors use it as a conservative baseline to judge whether a stock is cheaply priced relative to the company’s hard-asset backing.

Earnings Snapshot

Net income: $63.0 million

Q1 2026

Net income $63.0 million

Diluted EPS $1.85

Net interest income $127.6 million

Net interest margin 3.74%

Total assets $15.1 billion

FAQ

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

How did BancFirst (BANF) perform financially in Q1 2026?

BancFirst reported Q1 2026 net income of $63.0 million, up from $56.1 million a year earlier. Diluted EPS was $1.85 versus $1.66 in Q1 2025, reflecting stronger net interest income and slightly higher net interest margin.

What happened to BancFirst’s net interest income and margin in Q1 2026?

Net interest income rose to $127.6 million in Q1 2026, from $115.9 million in Q1 2025. The net interest margin improved to 3.74% from 3.70%, helped by higher loan volume and overall growth in earning assets.

How did BancFirst’s noninterest income and expenses change in Q1 2026?

Noninterest income increased to $51.4 million from $49.0 million, aided by trust revenue and service charges. Noninterest expense rose to $96.8 million, mainly due to higher salaries, benefits, and conversion expenses related to American Bank of Oklahoma.

What is BancFirst’s loan and deposit growth as of March 31, 2026?

At March 31, 2026, loans totaled $8.6 billion, up $51.4 million from year-end 2025. Deposits reached $12.9 billion, increasing $230.7 million over the same period, showing solid funding and balance sheet growth.

How strong is BancFirst’s credit quality in Q1 2026?

Credit quality remained steady, with nonaccrual loans at 0.72% of total loans, unchanged from year-end 2025. The allowance for credit losses was 1.23% of total loans, slightly above 1.22% at December 31, 2025, supporting loss coverage.

What were BancFirst’s key profitability ratios in Q1 2026?

For Q1 2026, BancFirst reported a return on average assets of 1.71% and a return on average stockholders’ equity of 13.59%. These figures indicate solid profitability levels for the period compared with typical regional banking peers.

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

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Accepted by SEC EDGAR 04/16/2026 - 04:17 PM EDT Learn about SEC filing dates

0000760498false00007604982026-04-162026-04-16

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): April 16, 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 First Quarter Earnings

On April 16, 2026, BancFirst Corporation announced its results of operations for the quarter ended March 31, 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 April 16, 2026, issued by BancFirst Corporation titled “BancFirst Corporation Reports First 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:	April 16, 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, April 16, 2026	www.bancfirst.bank

BANCFIRST CORPORATION REPORTS FIRST QUARTER EARNINGS

BancFirst Corporation (NASDAQ GS:BANF) reported net income of $63.0 million, or $1.85 per diluted share, for the first quarter of 2026 compared to net income of $56.1 million, or $1.66 per diluted share, for the first quarter of 2025.

The Company’s net interest income for the three-months ended March 31, 2026 increased to $127.6 million compared to $115.9 million for the same period in 2025. Higher loan volume along with general growth in earning assets were the primary drivers of the change in net interest income. Net interest margin was 3.74% for the first quarter of 2026 compared to 3.70% for the first quarter of 2025. The Company recorded a provision for credit losses of $2.1 million and $1.6 million for the quarter-ended March 31, 2026 and 2025, respectively.

Noninterest income for the quarter totaled $51.4 million compared to $49.0 million in the same quarter last year. Trust revenue, services charges on deposits, treasury income, and securities transaction each increased when compared to first quarter of 2025 partially offset by a decrease in insurance commissions.

Noninterest expense grew to $96.8 million for the quarter-ended March 31, 2026 compared to $92.2 million in the same quarter in 2025. The increase in noninterest expense was primarily attributable to the growth in salaries and employee benefits of $4.3 million. The total salaries and benefits expenses recorded of $58.9 million for the period ended March 31, 2026 is after a favorable adjustment to the funded employee benefit trust of $1.8 million. Total noninterest expense for the first quarter of 2026 also reflects conversion expenses related to American Bank of Oklahoma. For the first quarter of 2025 the Company recorded a $4.4 million expense related to the disposition of certain equity investments no longer permissible under the Volcker rule, no such equivalent expense was recorded in 2026

At March 31, 2026, the Company’s total assets were $15.1 billion, an increase of $277.6 million from December 31, 2025. Loans grew $51.4 million from December 31, 2025, totaling $8.6 billion at March 31, 2026. Deposits totaled $12.9 billion, an increase of $230.7 million from year-end 2025. Sweep accounts totaled $5.1 billion at March 31, 2026, up $160.2 million from December 31, 2025. The Company’s total stockholders’ equity was $1.9 billion, an increase of $47.8 million from the end of 2025.

Nonaccrual loans represented 0.72% of total loans at both March 31, 2026 and year-end 2025; nonaccrual loans totaled $62.2 million at the end of the first quarter 2026. The allowance for credit losses to total loans was 1.23% at March 31, 2026 and 1.22% at December 31, 2025. Net charge-offs were $1.5 million for the quarter compared to $503,000 for the first quarter last year.

BancFirst Corporation CEO David Harlow commented, “Strong deposit growth in the quarter, margin expansion, and increases in non-interest income compared to prior year combined to result in a strong quarter for the Company. We also successfully completed the conversion of American Bank of Oklahoma into BancFirst during the quarter. The economy in our region of the country continues to perform well and charge-offs for the quarter were in line with historical levels. Loans were up modestly from year end while credit quality remained solid. With so many variables in play at the macro level of the economy, our longer-term outlook remains a mixed bag 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 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

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with threelocations 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				2025				2025				2025				2025
		1st Qtr				4th Qtr				3rd Qtr				2nd Qtr				1st Qtr
Condensed Income Statements:
Net interest income		$	127,605			$	127,667			$	125,615			$	121,256			$	115,949
Provision for credit losses on loans			2,578				(1,975	)			4,222				1,239				1,461
(Benefit from)/provision for off-balance sheet credit exposures			(435	)			234				216				148				125
Noninterest income:
Trust revenue			6,057				5,933				5,850				5,795				5,539
Service charges on deposits			18,042				18,393				18,131				17,741				16,804
Securities transactions			904				964				492				(740	)			(333	)
Sales of loans			780				781				916				830				636
Insurance commissions			9,440				7,643				8,954				7,920				10,410
Cash management			10,566				10,120				10,338				10,573				10,051
Other			5,602				9,499				5,185				5,929				5,787
Total noninterest income			51,391				53,333				49,866				48,048				48,894
Noninterest expense:
Salaries and employee benefits			58,855				58,570				57,681				55,147				54,593
Occupancy expense, net			6,286				6,946				6,434				6,037				5,753
Depreciation			4,816				4,872				4,725				4,691				4,808
Amortization of intangible assets			975				836				862				862				886
Data processing services			3,448				3,041				2,901				2,985				2,892
Net expense from other real estate owned			3,605				12,044				2,778				2,941				2,658
Marketing and business promotion			2,641				3,121				2,126				2,325				2,461
Deposit insurance			1,847				1,692				1,736				1,675				1,725
Other			14,316				16,268				12,829				11,536				16,403
Total noninterest expense			96,789				107,390				92,072				88,199				92,179
Income before income taxes			80,064				75,351				78,971				79,718				71,078
Income tax expense			17,069				15,854				16,317				17,371				14,966
Net income		$	62,995			$	59,497			$	62,654			$	62,347			$	56,112
Per Common Share Data:
Net income-basic		$	1.88			$	1.78			$	1.88			$	1.87			$	1.69
Net income-diluted			1.85				1.75				1.85				1.85				1.66
Cash dividends declared			0.49				0.49				0.49				0.46				0.46
Common shares outstanding			33,575,976				33,539,032				33,329,247				33,272,131				33,241,564
Average common shares outstanding -
Basic			33,557,536				33,423,922				33,310,290				33,255,015				33,232,788
Diluted			34,027,895				33,906,434				33,864,129				33,795,243				33,768,873
Performance Ratios:
Return on average assets			1.71	%			1.60	%			1.76	%			1.79	%			1.66	%
Return on average stockholders’ equity			13.59				13.02				14.18				14.74				13.85
Net interest margin			3.74				3.71				3.79				3.75				3.70
Efficiency ratio			54.07				59.33				52.47				52.10				55.92

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	BancFirst Corporation
	Summary Financial Information
	(Dollars in thousands, except per share and share data - Unaudited)
			2026				2025				2025				2025				2025
			1st Qtr				4th Qtr				3rd Qtr				2nd Qtr				1st Qtr
	Balance Sheet Data:
	Total assets		$	15,116,541			$	14,838,893			$	14,198,140			$	14,045,780			$	14,038,055
	Interest-bearing deposits with banks			4,430,751				4,177,406				3,849,736				3,737,763				3,706,328
	Debt securities			886,519				924,948				1,015,941				1,104,604				1,167,441
	Total loans			8,596,068				8,544,634				8,287,167				8,124,497				8,102,810
	Allowance for credit losses			(105,330	)			(104,299	)			(99,511	)			(96,988	)			(100,455	)
	Noninterest-bearing demand deposits			4,105,840				3,897,613				3,816,389				3,967,626				4,027,797
	Money market and interest-bearing checking deposits			5,605,932				5,610,882				5,393,791				5,301,439				5,393,995
	Savings deposits			1,391,142				1,318,062				1,251,394				1,205,602				1,174,685
	Time deposits			1,798,187				1,843,836				1,656,813				1,581,525				1,530,273
	Total deposits			12,901,101				12,670,393				12,118,387				12,056,192				12,126,750
	Stockholders' equity			1,901,912				1,854,125				1,782,801				1,728,038				1,672,827
	Book value per common share			56.65				55.28				53.49				51.94				50.32
	Tangible book value per common share (non-GAAP)(1)			50.58				49.20				47.71				46.12				44.47
	Balance Sheet Ratios:
	Average loans to deposits			67.02	%			66.43	%			67.32	%			67.11	%			68.08	%
	Average earning assets to total assets			92.84				93.00				93.00				92.97				93.10
	Average stockholders' equity to average assets			12.60				12.33				12.38				12.14				12.00
	Asset Quality Data:
	Past due loans		$	8,364			$	8,115			$	7,959			$	7,515			$	5,120
	Nonaccrual loans (3)			62,178				61,130				57,266				49,878				56,371
	Other real estate owned and repossessed assets			53,649				49,134				53,233				53,022				35,542
	Nonaccrual loans to total loans			0.72	%			0.72	%			0.69	%			0.61	%			0.70	%
	Allowance to total loans			1.23				1.22				1.20				1.19				1.24
	Allowance to nonaccrual loans			169.40				170.62				173.77				194.45				178.20
	Net charge-offs to average loans			0.02				0.02				0.02				0.05				0.01
	Reconciliation of Tangible Book Value Per Common Share (non-GAAP)(2):
	Stockholders' equity		$	1,901,912			$	1,854,125			$	1,782,801			$	1,728,038			$	1,672,827
	Less goodwill			183,388				182,739				182,263				182,263				182,263
	Less intangible assets, net			20,382				21,357				10,548				11,410				12,272
	Tangible stockholders’ equity (non-GAAP)		$	1,698,142			$	1,650,029			$	1,589,990			$	1,534,365			$	1,478,292
	Common shares outstanding			33,575,976				33,539,032				33,329,247				33,272,131				33,241,564
	Tangible book value per common share (non-GAAP)		$	50.58			$	49.20			$	47.71			$	46.12			$	44.47
	(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 $10.8 million of nonaccrual loans at March 31, 2026.

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	BancFirst Corporation
	Consolidated Average Balance Sheets
	And Interest Margin Analysis
	Taxable Equivalent Basis
	(Dollars in thousands - Unaudited)
	Three Months Ended
	March 31, 2026
					Interest				Average
	Average				Income/				Yield/
	Balance				Expense				Rate
ASSETS
Earning assets:
Loans	$	8,550,328			$	144,317				6.85		%
Securities – taxable		901,732				5,873				2.64
Securities – tax exempt		7,545			66				3.56
Interest bearing deposits with banks and FFS		4,392,801				40,082				3.70
Total earning assets		13,852,406				190,338				5.57
Nonearning assets:
Cash and due from banks		225,545
Interest receivable and other assets		947,400
Allowance for credit losses		(104,409	)
Total nonearning assets		1,068,536
Total assets	$	14,920,942
LIABILITIES AND STOCKHOLDERS' EQUITY
Interest bearing liabilities:
Money market and interest-bearing checking deposits	$	5,594,239			$	35,318				2.56		%
Savings deposits		1,350,444				8,938				2.68
Time deposits		1,819,643				16,972				3.78
Short-term borrowings		15,096				142				3.82
Long-term borrowings		6,144				42				2.77
Subordinated debt		86,219				1,030				4.85
Other liabilities		16,725				133				3.23
Total interest bearing liabilities		8,888,510				62,575				2.86
Interest free funds:
Noninterest bearing deposits		3,994,201
Interest payable and other liabilities		158,808
Equity		1,879,423
Total interest free funds		6,032,432
Total liabilities and stockholders’ equity	$	14,920,942
Net interest income					$	127,763
Net interest spread										2.71		%
Effect of interest free funds										1.03		%
Net interest margin										3.74		%

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