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Income Overview

Net Income
$67,419K
EPS
$1.85
Unit: Thousand (K) dollars
Income Statement
2025-09-30
2025-06-30
2024-12-31
2024-09-30
Loans, including fees
143,506
139,337
122,752*
144,024
Taxable
6,515
6,887
9,277*
8,341
Tax-exempt
9
17
20*
18
Federal funds sold
0
0
30*
1
Interest-bearing deposits with banks
44,363
42,186
29,110*
35,266
Total interest income
194,393
188,427
161,189*
187,650
Deposits
67,648
66,089
58,062*
71,615
Short-term borrowings
100
51
91*
48
Subordinated debt
1,030
1,031
1,033*
1,030
Total interest expense
68,778
67,171
59,186*
72,693
Net interest income
125,615
121,256
102,003*
114,957
Provision for credit gaines on loans
4,222
1,239
-89*
3,031
Provision for off-balance sheet credit exposures
216
148
-
-
Total provision for credit losses
4,438
1,387
-
-
Net interest income after provision for credit losses
121,177
119,869
102,092*
111,926
Revenue-Fiduciary And Trust
5,850
5,795
-
-
Revenue-Deposit Account
18,131
17,741
-
-
Securities transactions
492
-740
1,021*
-308
Sales of loans
916
830
513*
721
Insurance commissions
8,954
7,920
5,255*
9,391
Cash management
10,338
10,573
8,643*
9,189
Revenue
-
-
21,180*
23,395
Loss/(gain) on sale of other assets
57
840
177*
-63
Other
5,128
5,089
1,650*
6,387
Total noninterest income
49,866
48,048
38,439*
48,712
Salaries and employee benefits
57,681
55,147
49,353*
54,215
Occupancy, net
6,434
6,037
4,864*
5,776
Depreciation
4,725
4,691
4,689*
4,482
Amortization of intangible assets
862
862
888*
886
Data processing services
2,901
2,985
2,598*
2,720
Net expense from other real estate owned
-2,778
-2,941
-4,802*
-2,751
Marketing and business promotion
2,126
2,325
2,885*
2,168
Deposit insurance
1,736
1,675
1,415*
1,645
Other
12,829
11,536
15,468*
12,091
Total noninterest expense
92,072
88,199
86,962*
86,734
Income before taxes
78,971
79,718
53,569*
73,904
Income tax expense
16,317
17,371
13,924*
15,001
Net income
62,654
62,347
39,645*
58,903
Unrealized income on debt securities, net of tax expense of 1,478, 7,387, 6,227 and 7,922, respectively
4,765
6,159
-54,350
23,844
Other comprehensive income, net of tax expense of 1,478, 7,387, 6,227 and 7,922, respectively
4,765
6,159
-54,350*
23,844
Comprehensive income
67,419
68,506
-14,705
82,747
Basic EPS
1.88
1.87
-0.445
1.78
Diluted EPS
1.85
1.85
-0.438
1.75
Basic Average Shares
33,310,290
33,255,015
33,013,140
33,097,164
Diluted Average Shares
33,864,129
33,795,243
33,587,481
33,646,549
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Loans, including fees$143,506K (-0.36%↓ Y/Y)Interest-bearing deposits withbanks$44,363K (25.80%↑ Y/Y)Taxable$6,515K (-21.89%↓ Y/Y)Tax-exempt$9K (-50.00%↓ Y/Y)Total interest income$194,393K (3.59%↑ Y/Y)Net interest income$125,615K (9.27%↑ Y/Y)Revenue-Deposit Account$18,131K Cash management$10,338K (12.50%↑ Y/Y)Insurance commissions$8,954K (-4.65%↓ Y/Y)Revenue-Fiduciary And Trust$5,850K Other$5,128K (-19.71%↓ Y/Y)Sales of loans$916K (27.05%↑ Y/Y)Securities transactions$492K (259.74%↑ Y/Y)Loss/(gain) on sale of otherassets$57K (190.48%↑ Y/Y)Total interestexpense$68,778K (-5.39%↓ Y/Y)Net interest incomeafter provision for...$121,177K (8.27%↑ Y/Y)Total noninterestincome$49,866K (2.37%↑ Y/Y)Total provision forcredit losses$4,438K Deposits$67,648K (-5.54%↓ Y/Y)Subordinated debt$1,030K (0.00%↑ Y/Y)Short-term borrowings$100K (108.33%↑ Y/Y)Income before taxes$78,971K (6.86%↑ Y/Y)Unrealized income on debtsecurities, net of tax...$4,765K (-80.02%↓ Y/Y)Total noninterestexpense$92,072K (6.15%↑ Y/Y)Provision for creditgaines on loans$4,222K (39.29%↑ Y/Y)Provision for off-balancesheet credit...$216K Net income$62,654K (6.37%↑ Y/Y)Other comprehensiveincome, net of tax...$4,765K (-80.02%↓ Y/Y)Income tax expense$16,317K (8.77%↑ Y/Y)Salaries and employeebenefits$57,681K (6.39%↑ Y/Y)Other$12,829K (6.10%↑ Y/Y)Occupancy, net$6,434K (11.39%↑ Y/Y)Depreciation$4,725K (5.42%↑ Y/Y)Data processingservices$2,901K (6.65%↑ Y/Y)Net expense fromother real estate...-$2,778K (-0.98%↓ Y/Y)Marketing and businesspromotion$2,126K (-1.94%↓ Y/Y)Deposit insurance$1,736K (5.53%↑ Y/Y)Amortization of intangibleassets$862K (-2.71%↓ Y/Y)Comprehensive income$67,419K (-18.52%↓ Y/Y)

BANCFIRST CORP OK (BANF)

BANCFIRST CORP OK (BANF)