BancFirst (BANF) investor relations material

Executive summary

• Q3 2026 net income was $67.3 million, or $1.97 per diluted share, versus $62.7 million and $1.85 YoY; earnings benefited from earning-asset growth and sustained margin.

• Total assets reached $15.0 billion, up $182.3 million from year-end; loans grew $187.9 million to $8.7 billion and deposits increased $29.3 million to $12.7 billion.

Financial highlights

• Q3 net interest income rose to $136.0 million from $125.6 million YoY, driven by higher loan volume and growth in earning assets.

• Q3 noninterest income was $51.4 million versus $49.9 million; noninterest expense increased to $98.2 million from $92.1 million, primarily due to higher salaries and benefits.

• 9M net income was $196.9 million versus $181.1 million; diluted EPS was $5.78 versus $5.36.

• 9M net interest income rose to $397.1 million from $362.8 million; noninterest income was $156.7 million versus $146.8 million.

Outlook and guidance

• Business development pipelines were encouraging, while higher interest rates and a higher-for-longer outlook were expected to dampen future economic activity.

• Spirit's acquisition was completed October 22, 2026; acquired deposits are expected to decline because Spirit used reciprocal and brokered deposits, and acquisition accounting remains incomplete.

• Unforeseen adverse economic or credit-market changes could require a higher allowance for credit losses.