BancFirst (BANF) came out with quarterly earnings of $1.50 per share, beating the Zacks Consensus Estimate of $1.37 per share. This compares to earnings of $1.72 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 9.49%. A quarter ago, it was expected that this Oklahoma financial services holding company would post earnings of $1.44 per share when it actually produced earnings of $1.46, delivering a surprise of 1.39%.Over the last ...

OKLAHOMA CITY, April 18, 2024 /PRNewswire/ -- BancFirst Corporation (NASDAQ GS: BANF) reported net income of $50.3 million, or $1.50 per diluted share, for the first quarter of 2024 compared to net income of $57.5 million, or $1.72 per diluted share, for the first quarter of 2023. The Company's net interest income for the first quarter of 2024 decreased to $106.1 million from $109.2 million for the same period in 2023. Net interest income was negatively impacted by increases in volume and rates on interest ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____to____ Commission file number 0-14384 BANCFIRST CORPORATION (Exact name of registrant as specified in its charter) OKLAHOMA 73-1221379 (State or other jurisdiction of i ...

OKLAHOMA CITY, Jan. 18, 2024 /PRNewswire/ -- BancFirst Corporation (NASDAQ GS:BANF) reported net income of $48.9 million, or $1.46 diluted earnings per share, for the fourth quarter of 2023 compared to net income of $57.1 million, or $1.70 diluted earnings per share, for the fourth quarter of 2022. Net income for the year ended December 31, 2023 was $212.5 million, or $6.34 diluted earnings per share, compared to $193.1 million, or $5.77 diluted earnings per share, for the year ended December 31, 2022. The ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0-14384 | --- | --- | |--------------------------------------------------------------------------------------------------|----------------- ...

[PART I – Financial Information](index=3&type=section&id=PART%20I%20%E2%80%93%20Financial%20Information) [Financial Statements (Unaudited)](index=3&type=section&id=Item%201.%20Financial%20Statements) Unaudited financial statements show total assets decreased to $12.0 billion, while Q2 2023 net income increased to $55.0 million due to higher net interest income [Consolidated Balance Sheets](index=3&type=section&id=Consolidated%20Balance%20Sheets) Total assets decreased to $12.02 billion due to lower deposits, while loans and stockholders' equity increased Consolidated Balance Sheet Highlights (in thousands) | Account | June 30, 2023 | December 31, 2022 | | :--- | :--- | :--- | | **Total Assets** | **$12,020,265** | **$12,387,863** | | Cash and interest-bearing deposits | $2,409,142 | $3,168,910 | | Loans, net of allowance | $7,201,772 | $6,850,835 | | Debt securities available for sale | $1,569,427 | $1,538,221 | | **Total Liabilities** | **$10,679,474** | **$11,137,027** | | Total deposits | $10,475,180 | $10,974,228 | | **Total Stockholders' Equity** | **$1,340,791** | **$1,250,836** | [Consolidated Statements of Comprehensive Income](index=4&type=section&id=Consolidated%20Statements%20of%20Comprehensive%20Income) Q2 2023 net income increased to $55.0 million, driven by higher net interest income, with six-month net income reaching $112.5 million Income Statement Highlights (in thousands, except per share data) | Metric | Q2 2023 | Q2 2022 | Six Months 2023 | Six Months 2022 | | :--- | :--- | :--- | :--- | :--- | | **Net Interest Income** | **$105,926** | **$86,867** | **$215,082** | **$162,374** | | Provision for credit losses | $2,824 | $501 | $5,146 | $3,437 | | Total noninterest income | $47,974 | $42,598 | $95,802 | $86,248 | | Total noninterest expense | $81,110 | $73,717 | $161,427 | $146,229 | | **Net Income** | **$55,010** | **$44,707** | **$112,543** | **$80,622** | | **Diluted EPS** | **$1.64** | **$1.34** | **$3.36** | **$2.42** | [Consolidated Statements of Stockholders' Equity](index=6&type=section&id=Consolidated%20Statements%20of%20Stockholders%27%20Equity) Stockholders' equity grew to $1.34 billion, primarily from net income, despite dividend payouts, with stable accumulated other comprehensive loss - For the six months ended June 30, 2023, retained earnings increased by **$86.2 million**, reflecting net income of **$112.5 million** less common stock dividends of **$26.3 million**[13](index=13&type=chunk) - Accumulated other comprehensive loss was **$(71.0) million** as of June 30, 2023, a slight improvement from **$(71.6) million** at the beginning of the period[14](index=14&type=chunk) [Consolidated Statements of Cash Flow](index=7&type=section&id=Consolidated%20Statements%20of%20Cash%20Flow) Net cash decreased by $759.8 million, primarily due to cash used in financing activities from deposit outflows and investing activities from loan growth Cash Flow Summary - Six Months Ended June 30 (in thousands) | Activity | 2023 | 2022 | | :--- | :--- | :--- | | Net cash provided by operating activities | $129,180 | $119,840 | | Net cash used in investing activities | $(369,160) | $(898,501) | | Net cash (used in) provided by financing activities | $(519,788) | $2,607,980 | | **Net (decrease)/increase in cash** | **$(759,768)** | **$1,829,319** | [Notes to Consolidated Financial Statements](index=8&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements) Notes detail accounting policies, recent developments, and provide in-depth information on financial statement components, including new accounting standards and regulatory applications - The Company adopted ASU 2022-02, which eliminated Troubled Debt Restructuring (TDR) accounting, and ASU 2023-02 for tax equity investments, neither of which had a significant impact on the consolidated financial statements[22](index=22&type=chunk)[24](index=24&type=chunk) - On July 28, 2023, the Company's subsidiary BancFirst applied to become a Federal Reserve System member bank, changing its primary regulator from the FDIC[25](index=25&type=chunk) - The loan portfolio grew to **$7.3 billion** at June 30, 2023, from **$6.9 billion** at year-end 2022, with commercial real estate and commercial non-real estate loans being the largest segments[39](index=39&type=chunk) - The allowance for credit losses (ACL) stood at **$96.9 million**, or **1.33%** of total loans, as of June 30, 2023, consistent with the year-end 2022 ratio[61](index=61&type=chunk)[176](index=176&type=chunk) - As of June 30, 2023, the Company, along with its subsidiaries BancFirst, Pegasus, and Worthington, were all categorized as '**well capitalized**' under regulatory guidelines[92](index=92&type=chunk)[93](index=93&type=chunk) [Management's Discussion and Analysis of Financial Condition and Results of Operations](index=38&type=section&id=Item%202.%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management attributes strong Q2 2023 performance to increased net interest income and loan growth, despite asset decrease from deposit shifts and anticipated Durbin Amendment impact [Summary of Financial Performance](index=39&type=section&id=MD%26A%20Summary) Q2 2023 net income rose to $55.0 million with an expanded net interest margin, while total assets decreased due to deposit shifts Q2 2023 vs Q2 2022 Performance | Metric | Q2 2023 | Q2 2022 | | :--- | :--- | :--- | | Net Income (in millions) | $55.0 | $44.7 | | Diluted EPS ($) | $1.64 | $1.34 | | Net Interest Income (in millions) | $105.9 | $86.9 | | Net Interest Margin (%) | 3.87 | 3.05 | - A significant future headwind is the Durbin Amendment, which is expected to reduce annual pretax income from debit card interchange fees by approximately **$23 million** starting July 1, 2023[141](index=141&type=chunk) - Total assets decreased by **$367.6 million** from year-end 2022, while loans grew by **$357.7 million**. Deposits decreased by **$499.0 million**, as funds moved to off-balance sheet sweep accounts, which increased by **$567.7 million**[143](index=143&type=chunk) [Results of Operations](index=39&type=section&id=Results%20of%20Operations) H1 2023 net interest income increased significantly due to rising rates and loan growth, while noninterest income and expenses also rose Key Performance Ratios (Six Months Ended June 30) | Ratio | 2023 | 2022 | | :--- | :--- | :--- | | Return on average assets | 1.87% | 1.32% | | Return on average stockholders' equity | 17.43% | 13.74% | | Net interest margin | 3.88% | 2.92% | | Efficiency ratio | 51.93% | 58.82% | - Net interest income for the first six months of 2023 increased by **$52.7 million** (**32.5%**) compared to the same period in 2022, driven by rising short-term interest rates and loan growth[156](index=156&type=chunk) - The company anticipates a reduction of approximately **$23 million** in annual pretax income from debit card interchange fees starting July 1, 2023, due to crossing the **$10 billion** asset threshold (Durbin Amendment)[164](index=164&type=chunk) - Noninterest expense for H1 2023 increased by **$15.2 million**, primarily due to a **$9.8 million** growth in salaries and employee benefits[166](index=166&type=chunk) [Financial Position](index=45&type=section&id=Financial%20Position) Total assets decreased to $12.0 billion due to deposit outflows to sweep accounts, while loans and stockholders' equity increased, maintaining strong credit quality Selected Balance Sheet Data (in thousands) | Account | June 30, 2023 | December 31, 2022 | | :--- | :--- | :--- | | Total assets | $12,020,265 | $12,387,863 | | Total loans | $7,307,475 | $6,949,795 | | Deposits | $10,475,180 | $10,974,228 | | Stockholders' equity | $1,340,791 | $1,250,836 | - The decrease in cash and deposits was primarily due to the movement of demand deposits into the Company's off-balance sheet sweep account product, which grew by **$567.7 million** to **$4.3 billion** since year-end 2022[171](index=171&type=chunk)[187](index=187&type=chunk) - Total loans increased by **$357.7 million** (**5.1%**) from year-end 2022, with **71%** of the growth from the Oklahoma subsidiary and **29%** from Texas subsidiaries[175](index=175&type=chunk) - The allowance for credit losses to total loans remained stable at **1.33%** at both June 30, 2023, and December 31, 2022, indicating strong overall credit quality[176](index=176&type=chunk) [Quantitative and Qualitative Disclosure About Market Risk](index=50&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosure%20About%20Market%20Risk) No significant changes in market risk disclosures have occurred since the December 31, 2022 annual report - There have been no significant changes in the Company's disclosures regarding market risk since December 31, 2022[193](index=193&type=chunk) [Controls and Procedures](index=50&type=section&id=Item%204.%20Controls%20and%20Procedures) Management concluded disclosure controls and procedures are effective, with no material changes to internal controls over financial reporting during the quarter - The Company's CEO and CFO concluded that as of June 30, 2023, the disclosure controls and procedures are effective[194](index=194&type=chunk) - No changes in internal controls over financial reporting occurred during the quarter that materially affected, or are likely to materially affect, these controls[194](index=194&type=chunk) [PART II – Other Information](index=51&type=section&id=PART%20II%20%E2%80%93%20Other%20Information) [Legal Proceedings](index=51&type=section&id=Item%201.%20Legal%20Proceedings) The company is involved in various legal actions, but management expects no material adverse effect on financial statements - The Company is a defendant in various legal actions from normal business activities, but does not expect any resulting liability to have a material adverse effect on its financial statements[195](index=195&type=chunk) [Risk Factors](index=51&type=section&id=Item%201A.%20Risk%20Factors) New material risk factors include adverse effects from banking industry developments, impacting customer confidence, deposit outflows, and net interest margin - A new material risk factor has been identified concerning recent bank failures and negative media attention in the banking industry[196](index=196&type=chunk)[197](index=197&type=chunk) - These developments have negatively impacted customer confidence, potentially causing uninsured deposits to move to larger banks and increasing competition for deposits[197](index=197&type=chunk) - Increased competition for deposits is causing a shift from non-interest bearing to interest-bearing products, which could reduce the company's future net interest margin[197](index=197&type=chunk) [Unregistered Sales of Equity Securities and Use of Proceeds](index=51&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds.) No unregistered sales of equity securities or use of proceeds were reported for the period - None[198](index=198&type=chunk) [Exhibits](index=52&type=section&id=Item%206.%20Exhibits) This section lists exhibits filed with Form 10-Q, including CEO/CFO certifications, XBRL data, and incorporated documents - The report includes CEO and CFO certifications (Exhibits **31.1**, **31.2**, **32**) and Inline XBRL data files (Exhibits **101**, **104**)[203](index=203&type=chunk)[204](index=204&type=chunk)[205](index=205&type=chunk)[206](index=206&type=chunk) - The BancFirst Corporation 2023 Restricted Stock Unit Plan is incorporated by reference as Exhibit **10.1**[202](index=202&type=chunk)

[PART I – Financial Information](index=2&type=section&id=PART%20I%20%E2%80%93%20Financial%20Information) [Item 1. Financial Statements (Unaudited)](index=3&type=section&id=Item%201.%20Financial%20Statements) The unaudited consolidated financial statements for the period ended March 31, 2023, show a significant increase in net income to $57.5 million from $35.9 million in the prior year, driven by higher net interest income. Total assets remained stable at approximately $12.3 billion. The statements reflect growth in the loan portfolio and an increase in stockholders' equity, while total deposits saw a slight decrease [Consolidated Balance Sheets](index=3&type=section&id=Consolidated%20Balance%20Sheets) Consolidated Balance Sheet Highlights (in thousands) | Metric | March 31, 2023 | December 31, 2022 | | :--- | :--- | :--- | | **Total Assets** | **$12,332,105** | **$12,387,863** | | Cash and interest-bearing deposits | $2,836,391 | $3,168,910 | | Loans, net | $7,023,848 | $6,850,835 | | **Total Liabilities** | **$11,021,223** | **$11,137,027** | | Total Deposits | $10,610,103 | $10,974,228 | | **Total Stockholders' Equity** | **$1,310,882** | **$1,250,836** | - Total assets slightly decreased by **$55.8 million** from year-end 2022, primarily due to a decrease in deposits. Loans, net of allowance, grew by **$173.0 million**, while total deposits decreased by **$364.1 million** during the first quarter of 2023[8](index=8&type=chunk) [Consolidated Statements of Comprehensive Income](index=4&type=section&id=Consolidated%20Statements%20of%20Comprehensive%20Income) Q1 2023 vs Q1 2022 Performance (in thousands, except per share data) | Metric | Three Months Ended March 31, 2023 | Three Months Ended March 31, 2022 | | :--- | :--- | :--- | | Net Interest Income | $109,156 | $75,507 | | Provision for Credit Losses | $2,322 | $2,936 | | Noninterest Income | $47,828 | $43,650 | | Noninterest Expense | $80,317 | $72,512 | | **Net Income** | **$57,533** | **$35,915** | | **Diluted EPS** | **$1.72** | **$1.08** | - Net income increased by **60.2%** YoY, primarily driven by a **44.6%** increase in net interest income due to a rising interest rate environment. Comprehensive income was **$72.2 million**, a significant improvement from **$4.2 million** in the prior-year period, which was impacted by large unrealized losses on debt securities[10](index=10&type=chunk) [Consolidated Statements of Stockholders' Equity](index=6&type=section&id=Consolidated%20Statements%20of%20Stockholders%27%20Equity) - Total stockholders' equity increased from **$1.17 billion** to **$1.31 billion** YoY. The growth was driven by net income of **$57.5 million**, partially offset by dividends of **$13.2 million**[13](index=13&type=chunk) - Accumulated Other Comprehensive Loss improved, decreasing from a loss of **$71.6 million** at the beginning of the period to a loss of **$56.9 million** at the end of Q1 2023, due to a net change of **$14.6 million** from unrealized gains on securities[13](index=13&type=chunk) - Dividends on common stock increased to **$0.40 per share** in Q1 2023 from **$0.36 per share** in Q1 2022[13](index=13&type=chunk) [Consolidated Statements of Cash Flow](index=7&type=section&id=Consolidated%20Statements%20of%20Cash%20Flow) Cash Flow Summary (in thousands) | Cash Flow Activity | Three Months Ended March 31, 2023 | Three Months Ended March 31, 2022 | | :--- | :--- | :--- | | Net Cash from Operating Activities | $69,504 | $63,607 | | Net Cash used in Investing Activities | ($228,584) | ($745,970) | | Net Cash (used in) provided by Financing Activities | ($173,439) | $2,723,745 | | **Net Change in Cash** | **($332,519)** | **$2,041,382** | - The net decrease in cash for Q1 2023 was primarily driven by a net change in deposits, resulting in a **$364.1 million** cash outflow from financing activities, and a net change in loans, contributing to cash used in investing activities[14](index=14&type=chunk) [Notes to Consolidated Financial Statements](index=8&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements) - The Company adopted ASU 2022-02, which eliminated Troubled Debt Restructuring (TDR) accounting, and ASU 2023-02, related to accounting for tax equity investments, with neither having a significant impact on the consolidated financial statements[21](index=21&type=chunk)[23](index=23&type=chunk) - On March 30, 2023, the Company took a short-term advance of **$200.0 million** from the FHLB, which was subsequently paid off on April 3, 2023[24](index=24&type=chunk) - The company's six principal business units are BancFirst metropolitan banks, BancFirst community banks, Pegasus, Worthington, other financial services, and executive/operations/support[126](index=126&type=chunk) [Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations](index=36&type=section&id=Item%202.%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management attributes the strong Q1 2023 performance, with net income of $57.5 million ($1.72 diluted EPS), to increased net interest income driven by rising short-term rates and loan growth. Total assets remained stable at $12.3 billion, with loans growing to $7.1 billion. A key challenge highlighted is the upcoming reduction in debit card interchange fees by approximately $22 million annually starting July 1, 2023, due to the Durbin Amendment, as the company surpassed $10 billion in assets [Summary of Performance](index=37&type=section&id=Summary%20of%20Performance) Q1 2023 Financial Highlights | Metric | Q1 2023 | Q1 2022 | | :--- | :--- | :--- | | Net Income | $57.5 million | $35.9 million | | Diluted EPS | $1.72 | $1.08 | | Net Interest Income | $109.2 million | $75.5 million | | Net Interest Margin | 3.89% | 2.78% | - The increase in net income was primarily driven by rising short-term interest rates and loan growth, which boosted net interest income. Noninterest income also increased to **$47.8 million** from **$43.7 million** YoY[134](index=134&type=chunk)[135](index=135&type=chunk) - Total assets were **$12.3 billion**, a slight decrease from year-end 2022. Loans grew by **$175.0 million** to **$7.1 billion**, while deposits decreased by **$364.1 million** to **$10.6 billion**, as some funds moved to off-balance sheet sweep products[137](index=137&type=chunk) [Results of Operations](index=37&type=section&id=Results%20of%20Operations) - Net interest income increased by **44.6%** YoY to **$109.2 million**, driven by rising interest rates and loan growth, leading to a net interest margin expansion to **3.89%** from **2.78%**[147](index=147&type=chunk) - Noninterest income rose to **$47.8 million**, largely due to higher sweep account fees and a **$1.3 million** increase in insurance commissions. This was partially offset by lower income from a prior loan settlement equity interest compared to the previous year[149](index=149&type=chunk) - The Company anticipates a reduction of approximately **$22 million annually** pretax income from debit card interchange fees starting July 1, 2023, due to the Durbin Amendment, as total assets exceeded **$10 billion** at year-end 2022[151](index=151&type=chunk) - Noninterest expense increased by **$7.8 million** to **$80.3 million**, primarily due to a **$5.3 million** rise in salaries and employee benefits[152](index=152&type=chunk) [Financial Position](index=41&type=section&id=Financial%20Position) - Total loans increased by **$175.0 million** (**2.5%**) during Q1 2023 to **$7.1 billion**, with growth split between the Oklahoma (**62%**) and Texas (**38%**) subsidiaries[160](index=160&type=chunk) - Asset quality remains strong, with the allowance for credit losses to total loans stable at **1.33%**. Nonaccrual loans were low at **0.25%** of total loans as of March 31, 2023[138](index=138&type=chunk)[161](index=161&type=chunk) - Deposits decreased by **$364.1 million** to **$10.6 billion**, as demand deposits moved to the Company's off-balance sheet sweep product, which grew by **$394.9 million** to **$4.1 billion**[157](index=157&type=chunk)[173](index=173&type=chunk) - Stockholders' equity increased by **$60.0 million** to **$1.3 billion** at March 31, 2023. The company's capital ratios remain well in excess of regulatory requirements[176](index=176&type=chunk) [Item 3. Quantitative and Qualitative Disclosure About Market Risk](index=46&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosure%20About%20Market%20Risk) The company reports that there have been no significant changes in its disclosures regarding market risk since its most recent annual report for the year ended December 31, 2022 - There have been no significant changes in the Company's disclosures regarding market risk since December 31, 2022[178](index=178&type=chunk) [Item 4. Controls and Procedures](index=46&type=section&id=Item%204.%20Controls%20and%20Procedures) Based on an evaluation by the CEO, CFO, and Disclosure Committee, the company concluded that its disclosure controls and procedures were effective as of March 31, 2023. No material changes to internal controls over financial reporting occurred during the quarter - Management evaluated the Company's disclosure controls and procedures and concluded they are effective as of the end of the reporting period[179](index=179&type=chunk) - No changes in internal control over financial reporting occurred during the quarter that have materially affected, or are reasonably likely to materially affect, such controls[179](index=179&type=chunk) [PART II – Other Information](index=47&type=section&id=PART%20II%20%E2%80%93%20Other%20Information) [Item 1. Legal Proceedings](index=47&type=section&id=Item%201.%20Legal%20Proceedings) The company is involved in various legal actions arising from normal business activities but believes that any potential liability from these actions will not have a material adverse effect on its consolidated financial statements - The Company is a defendant in various legal actions from normal business activities, but management believes any resulting liability will not materially impact the financial statements[180](index=180&type=chunk) [Item 1A. Risk Factors](index=47&type=section&id=Item%201A.%20Risk%20Factors) A material risk factor was added concerning recent negative developments in the banking industry, specifically the failures of other banks. This could adversely affect customer confidence, leading to uninsured deposit outflows, increased competition for deposits, and a potential reduction in the company's net interest margin - A material change in risk factors was disclosed, highlighting the potential adverse effects from recent bank failures in the industry[181](index=181&type=chunk) - Key risks include negative impacts on customer confidence, potential movement of uninsured deposits to larger banks, increased competition for deposits, and a resulting reduction in net interest margin[182](index=182&type=chunk) [Item 2. Unregistered Sales of Equity Securities and Use of Proceeds](index=47&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) The company reported no unregistered sales of equity securities or use of proceeds during the period - None reported[183](index=183&type=chunk) [Item 6. Exhibits](index=48&type=section&id=Item%206.%20Exhibits) This section lists the exhibits filed with the Form 10-Q, including the Amended and Restated By-Laws, CEO and CFO certifications pursuant to Sarbanes-Oxley Act rules, and Inline XBRL data files - Key exhibits filed include Amended and Restated By-Laws (3.1), CEO and CFO certifications (31.1, 31.2, 32), and Inline XBRL documents (101 series)[185](index=185&type=chunk)[187](index=187&type=chunk)[188](index=188&type=chunk)[189](index=189&type=chunk)[190](index=190&type=chunk)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____to____ Commission file number 0-14384 BANCFIRST CORPORATION (Exact name of registrant as specified in its charter) OKLAHOMA 73-1221379 (State or other jurisdiction of i ...