Every material Form 8-K Bancfirst has filed with the SEC since January 18, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
On October 22, 2026, BancFirst Corporation acquired Spirit BankCorp, Inc. and its SpiritBank unit, a privately held community bank based in Tulsa, Oklahoma. Spirit was merged into BancFirst upon closing. The filing reports Spirit's size but does not state the purchase price or any effect on BancFirst's financial results.
Acquisition completed October 22, 2026; Spirit merged into BancFirst at closing
Spirit reported about $866.8 million in total assets, $584.6 million in loans and $776.4 million in deposits
Spirit operates six banking locations: four in Tulsa, one in Sapulpa and one in Bristow, Oklahoma
BancFirst reported third-quarter 2026 net income of $67.3 million, or $1.97 per diluted share, up from $62.7 million, or $1.85 per diluted share, a year earlier. Higher net interest income and growth in noninterest income drove the increase, while nonaccrual loans rose to 0.87% of total loans, which shareholders may want to watch.
Net interest income rose to $136.0 million from $125.6 million, and net interest margin was 3.85% versus 3.79%.
Noninterest income totaled $51.4 million, compared with $49.9 million a year earlier.
Nonaccrual loans were $75.6 million, or 0.87% of total loans, up from 0.72% at December 31, 2025.
CEO David Harlow said the previously announced acquisition of Spirit Bank is on schedule to close in October.
BancFirst reported second-quarter 2026 net income of $66.7 million, or $1.96 per diluted share, up from $62.3 million, or $1.85 per diluted share, a year earlier. Net interest income rose to $133.5 million and net interest margin widened to 3.84%, while noninterest expense and credit provisions also increased. The company said it announced the SpiritBank acquisition during the quarter, with a fourth-quarter close anticipated pending regulatory approval.
Net income $66.7 million ($1.96 diluted EPS) vs. $62.3 million ($1.85) in Q2 2025
Net interest income $133.5 million vs. $121.3 million; net interest margin 3.84% vs. 3.75%
Noninterest expense $97.5 million vs. $88.2 million; provision for credit losses $4.9 million vs. $1.4 million
Nonaccrual loans 0.94% of total loans at June 30, 2026, up from 0.72% at year-end 2025
BancFirst reported first-quarter 2026 net income of $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 and noninterest income more than offset a rise in noninterest expense, which included conversion costs for American Bank of Oklahoma.
Net interest income rose to $127.6 million from $115.9 million, and net interest margin was 3.74% versus 3.70%.
Noninterest income totaled $51.4 million, up from $49.0 million, while noninterest expense grew to $96.8 million from $92.2 million.
Total deposits reached $12.9 billion and total assets $15.1 billion at March 31, 2026.
Nonaccrual loans were 0.72% of total loans, and net charge-offs were $1.5 million for the quarter.
BancFirst Corporation appointed Hannah Andrus as its principal accounting officer, effective March 1, 2026, and Randy Foraker retired from the role effective February 27, 2026. The same filing reports a $0.49 per share quarterly common dividend, payable April 15, 2026.
Hannah Andrus, who joined BancFirst in 2024 and previously worked at Ernst & Young LLP, becomes principal accounting officer on March 1, 2026.
Randy Foraker, principal accounting officer since April 1, 2015, retired effective February 27, 2026.
Board declared a $0.49 per share common dividend payable April 15, 2026, to holders of record on March 31, 2026.
A $0.45 per share trust preferred dividend is also payable April 15, 2026, funded by a quarterly interest payment on $26.8 million of 7.20% Junior Subordinated Debentures.
BancFirst reported fourth-quarter 2025 net income of $59.5 million, or $1.75 per diluted share, up from $56.5 million, or $1.68 per diluted share, a year earlier. Net interest income rose to $127.7 million, helped by loan growth and the November 2025 acquisition of American Bank of Oklahoma, but higher noninterest expense and a drop from the third quarter's $62.7 million net income show the quarter's profit was not uniform.
Q4 2025 net income $59.5 million ($1.75 diluted EPS) vs. $56.5 million ($1.68) in Q4 2024; down from $62.7 million in Q3 2025
Net interest income $127.7 million vs. $115.9 million a year earlier; net interest margin 3.71% vs. 3.68%
Noninterest expense rose to $107.4 million from $92.3 million, driven by a $5.6 million increase in net expense from other real estate owned
Full-year 2025 net income of $240.6 million, which the CEO said was a record; American Bank of Oklahoma acquired November 17, 2025 for $33 million
BancFirst reported third-quarter 2025 net income of $62.7 million, or $1.85 per diluted share, up from $58.9 million, or $1.75 per diluted share, a year earlier. Net interest income rose to $125.6 million, but noninterest expense grew to $92.1 million and the provision for credit losses increased to $4.2 million, so higher profit came alongside higher costs. The filing contains no financial guidance for future periods.
Net income of $62.7 million, or $1.85 per diluted share, versus $58.9 million, or $1.75, in Q3 2024
Net interest income of $125.6 million versus $115.0 million; net interest margin of 3.79% versus 3.78%
Noninterest expense rose to $92.1 million from $86.7 million, led by a $3.5 million increase in salaries and employee benefits
Provision for credit losses on loans of $4.2 million versus $3.0 million; nonaccrual loans at 0.69% of total loans
BancFirst Corporation reported second-quarter 2025 net income of $62.3 million, or $1.85 per diluted share, up from $50.6 million, or $1.51 per diluted share, a year earlier. Net interest income and noninterest income both rose, while the company's CEO said one-time events had an approximate $0.05 per diluted share effect on the quarter.
Net income was $62.3 million, or $1.85 per diluted share, for Q2 2025, compared with $50.6 million, or $1.51 per diluted share, in Q2 2024.
Net interest income rose to $121.3 million from $109.9 million, and noninterest income rose to $48.0 million from $43.9 million.
Noninterest expense increased to $88.2 million from $85.3 million, and net interest margin was 3.75% versus 3.76% a year earlier.
The company expects to close the American Bank of Oklahoma acquisition in the third quarter of 2025.
BancFirst reported first-quarter 2025 net income of $56.1 million, or $1.67 per diluted share, up from $50.3 million, or $1.50 per diluted share, a year earlier. Net interest income and noninterest income both rose, while noninterest expense increased to $92.2 million, including a $4.4 million charge tied to disposing of certain equity investments. CEO David Harlow said the company is cautious about the rest of 2025 because of market volatility and a rising likelihood of an economic slowdown.
Net income was $56.1 million, or $1.67 per diluted share, versus $50.3 million, or $1.50 per diluted share, in Q1 2024.
Net interest income rose to $115.9 million from $106.1 million; net interest margin was unchanged at 3.70%.
Noninterest expense rose to $92.2 million from $82.8 million, including a $4.4 million charge for disposing of equity investments no longer permissible under the Volcker rule.
Total assets were $14.0 billion at March 31, 2025, and total deposits were $12.1 billion.
BancFirst reported fourth-quarter 2024 net income of $56.5 million, or $1.68 per diluted share, up from $48.9 million, or $1.46, a year earlier but down from $58.9 million in the third quarter. Full-year 2024 net income was $216.4 million, or $6.44 per diluted share, compared with $6.34 in 2023, and the CEO described it as record net income and record earnings per share for the fourth consecutive year. Nonaccrual loans rose to 0.72% of total loans from 0.32% a year earlier.
Q4 2024 net income $56.5 million, $1.68 diluted EPS, versus $48.9 million, $1.46 in Q4 2023 and $58.9 million in Q3 2024
Full-year 2024 net income $216.4 million, $6.44 diluted EPS, versus $212.5 million, $6.34 in 2023
Nonaccrual loans $58.0 million, or 0.72% of total loans at December 31, 2024, versus 0.32% at year-end 2023
Total assets $13.6 billion at December 31, 2024, up $1.2 billion from year-end 2023
BancFirst's board approved a request from Executive Chairman David E. Rainbolt to change his status to non-executive Chairman of the Board, effective January 1, 2025. The filing describes this as a change in role rather than a departure, and it does not name a successor or mention any change to compensation.
Board approved the request on December 19, 2024
Rainbolt moves from Executive Chairman to non-executive Chairman of the Board
Change takes effect January 1, 2025
Filing does not name a new executive chairman or CEO
BancFirst reported third-quarter 2024 net income of $58.9 million, or $1.75 per diluted share, up from $51.0 million, or $1.52 per diluted share, a year earlier. Net interest income and noninterest income both rose, while noninterest expense also increased, and CEO David Harlow said the outlook for net interest margin is unclear after the Federal Reserve's late September rate cut.
Net income of $58.9 million, or $1.75 per diluted share, versus $51.0 million, or $1.52, in Q3 2023
Net interest income rose to $115.0 million from $104.3 million; net interest margin was 3.78% versus 3.73%
Noninterest expense rose to $86.7 million from $81.2 million; provision for credit losses was $3.0 million versus $2.3 million
CEO David Harlow said the outlook on net interest margin is unclear after the Federal Reserve's late September 50 basis point rate cut
BancFirst's board appointed Kim Ingram, owner and CEO of Kelly Jewelers in Weatherford, Oklahoma, as a director, effective at the September 26, 2024 board meeting. She will also join the BancFirst bank board and the Independent Directors' Committee, and she is up for election at the May 2025 annual meeting.
Kim Ingram appointed director by the board on July 25, 2024, effective September 26, 2024
Term expires at the May 2025 annual shareholder meeting, when she will stand for re-election
Compensation follows the outside director fee schedule; restricted stock units to be granted at a later date
Filing states no arrangements with other persons for selection and no related-party transactions requiring disclosure
BancFirst Corporation reported second-quarter 2024 net income of $50.6 million, or $1.51 per diluted share, down from $55.0 million, or $1.64 per diluted share, a year earlier. Net interest income rose to $109.9 million, but noninterest income fell to $43.9 million, mainly due to an approximate $5.7 million reduction in interchange fees tied to the Durbin Amendment, and noninterest expense rose to $85.3 million.
Q2 2024 net income was $50.6 million, or $1.51 per diluted share, versus $55.0 million, or $1.64 per diluted share, in Q2 2023.
Net interest income increased to $109.9 million from $105.9 million; net interest margin was 3.76% versus 3.87%.
Noninterest income fell to $43.9 million from $48.0 million, primarily due to an approximate $5.7 million reduction in Durbin Amendment interchange fees.
Noninterest expense rose to $85.3 million from $81.1 million; total assets were $12.7 billion at June 30, 2024.
BancFirst appointed Hannah Andrus as Executive Vice President, Chief Financial Officer and Treasurer, effective May 8, 2024, replacing Kevin Lawrence, who resigned effective May 7, 2024, to pursue other career interests. The filing sets her base salary at $275,000 and a target annual incentive of 25%, and she was granted 4,000 restricted stock units.
Hannah Andrus, 38, becomes CFO and Treasurer effective May 8, 2024; the board made the appointment on March 28, 2024.
Kevin Lawrence, CFO since April 1, 2015, resigned effective May 7, 2024, to pursue other career interests.
Andrus's compensation: $275,000 annual base salary and a target annual incentive award of 25%.
Andrus was granted 4,000 restricted stock units on March 29, 2024, under the 2023 Restricted Stock Unit Plan.
BancFirst reported first-quarter 2024 net income of $50.3 million, or $1.50 per diluted share, down from $57.5 million, or $1.72 per diluted share, a year earlier. Lower net interest income and noninterest income, plus higher noninterest expense and a larger loan loss provision, drove the decline, while total assets and deposits grew from year-end 2023.
Net interest income fell to $106.1 million from $109.2 million, and net interest margin was 3.70% versus 3.89%.
Noninterest income totaled $44.9 million versus $47.8 million, mainly due to an approximate $5.3 million reduction in interchange fees tied to the Durbin Amendment.
Provision for credit losses was $4.0 million, compared with $2.3 million in the first quarter of 2023.
Nonaccrual loans were $42.0 million, or 0.54% of total loans at March 31, 2024, up from 0.32% at year-end 2023.
BancFirst reported fourth-quarter 2023 net income of $48.9 million, or $1.46 per diluted share, down from $57.1 million, or $1.70, a year earlier, as net interest income and noninterest income declined. For the full year, net income rose to $212.5 million, or $6.34 per diluted share, from $193.1 million, or $5.77. CEO David Harlow said the company expects earnings to be lower in 2024, citing a full year of Durbin Amendment impact, ongoing margin pressure and higher regulatory compliance costs.
Q4 2023 net income $48.9 million, $1.46 diluted EPS, versus $57.1 million and $1.70 in Q4 2022
Full-year 2023 net income $212.5 million, $6.34 diluted EPS, versus $193.1 million and $5.77 in 2022
Q4 net interest margin 3.67% versus 3.83% a year earlier; noninterest income $45.2 million versus $48.2 million
CEO said 2024 earnings will be less, citing the Durbin Amendment, deposit competition and the $10 billion asset threshold
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