EX-99.1

Exhibit 99.1


	100 N. Broadway Ave
FOR IMMEDIATE RELEASE	Oklahoma City, OK 73102
Thursday, July 23, 2026	www.bancfirst.bank

BANCFIRST CORPORATION REPORTS SECOND QUARTER EARNINGS

BancFirst Corporation (NASDAQ GS: BANF) reported net income of $66.7 million, or $1.96 per diluted share, for the second quarter of 2026 compared to net income of $62.3 million, or $1.85 per diluted share, for the second quarter of 2025.

The Company’s net interest income for the three-months ending June 30, 2026 increased to $133.5 million from $121.3 million for the same period in 2025. Higher loan volume and general growth in earning assets were the primary drivers of the change in net interest income. Net interest margin was 3.84% for the second quarter of 2026 compared to 3.75% for the second quarter of 2025. The Company recorded a provision for credit losses of $4.9 million and $1.4 million for the quarter ended June 30, 2026 and 2025, respectively.

Noninterest income for the quarter totaled $53.9 million compared to $48.0 million in the same quarter last year. Trust revenue, service charges on deposits, securities transactions, and treasury income each increased when compared to second quarter of 2025. The Company also recorded gains of $2.9 million related to bank owned life insurance claims during the quarter. The increase in noninterest income was partially offset by a decrease in insurance commissions.

Noninterest expense grew to $97.5 million for the quarter ended June 30, 2026 compared to $88.2 million in the same quarter in 2025. The increase in noninterest expense was primarily attributable to the growth in salaries and employee benefits of $5.2 million. The total salaries and employee benefits expenses recorded of $60.3 million is after a favorable adjustment to the funded employee benefit trust of $800,000. Also driving the increase in noninterest expense was net expense from other real estate owned, which increased $1.6 million period to period.

At June 30, 2026, the Company’s total assets were $15.1 billion, an increase of $243.4 million from December 31, 2025. Loans grew $110.6 million from December 31, 2025, totaling $8.7 billion at June 30, 2026. Deposits totaled $12.8 billion, an increase of $155.9 million from year-end 2025. Sweep accounts totaled $5.0 billion at June 30, 2026, up $100.8 million from December 31, 2025. The Company’s stockholders’ equity stood at $2.0 billion, an increase of $103.0 million from the end of 2025.

Nonaccrual loans represented 0.94% of total loans at June 30, 2026, up from 0.72% at year-end 2025. Nonaccrual loans totaled $81.4 million at the end of the second quarter 2026. The allowance for credit losses to total loans was 1.25% at June 30, 2026 and 1.22% at December 31, 2025. Net charge-offs totaled $2.4 million for the quarter compared to $4.7 million for the second quarter last year.

BancFirst Corporation CEO David Harlow commented, “The Company enjoyed a record quarter fueled by an expanding margin and earning asset growth. Noninterest income growth was solid across most major categories and expenses were managed in line with plan. We announced the acquisition of SpiritBank during the quarter, adding the Tulsa MSA communities of Bristow and Sapulpa while expanding our presence in the Tulsa market. Pending regulatory approval, a fourth quarter close and conversion is anticipated. Our economic outlook continues to be guarded, although charge-offs remain at historically low levels. With a $4.9 million provision during the quarter, our allowance for credit losses remains at a healthy level.”

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 with

three locations 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.


BancFirst Corporation
Summary Financial Information
(Dollars in thousands, except per share and share data - Unaudited)

	2026			2026			2025			2025			2025
	2nd Qtr			1st Qtr			4th Qtr			3rd Qtr			2nd Qtr
Condensed Income Statements:
Net interest income	$	133,536		$	127,605		$	127,667		$	125,615		$	121,256
Provision for credit losses on loans		4,831			2,578			(1,975	)		4,222			1,239
Provision for/(benefit from) off-balance sheet credit exposures		48			(435	)		234			216			148
Noninterest income:
Trust revenue		6,078			6,057			5,933			5,850			5,795
Service charges on deposits		19,090			18,042			18,393			18,131			17,741
Securities transactions		725			904			964			492			(740	)
Sales of loans		913			780			781			916			830
Insurance commissions		7,481			9,440			7,643			8,954			7,920
Cash management		10,922			10,566			10,120			10,338			10,573
Other		8,740			5,602			9,499			5,185			5,929
Total noninterest income		53,949			51,391			53,333			49,866			48,048

Noninterest expense:
Salaries and employee benefits		60,306			58,855			58,570			57,681			55,147
Occupancy expense, net		6,320			6,286			6,946			6,434			6,037
Depreciation		4,988			4,816			4,872			4,725			4,691
Amortization of intangible assets		974			975			836			862			862
Data processing services		2,990			3,448			3,041			2,901			2,985
Net expense from other real estate owned		4,567			3,605			12,044			2,778			2,941
Marketing and business promotion		2,077			2,641			3,121			2,126			2,325
Deposit insurance		1,642			1,847			1,692			1,736			1,675
Other		13,667			14,316			16,268			12,829			11,536
Total noninterest expense		97,531			96,789			107,390			92,072			88,199
Income before income taxes		85,075			80,064			75,351			78,971			79,718
Income tax expense		18,388			17,069			15,854			16,317			17,371
Net income	$	66,687		$	62,995		$	59,497		$	62,654		$	62,347
Per Common Share Data:
Net income-basic	$	1.98		$	1.88		$	1.78		$	1.88		$	1.87
Net income-diluted		1.96			1.85			1.75			1.85			1.85
Cash dividends declared		0.49			0.49			0.49			0.49			0.46
Common shares outstanding		33,598,745			33,575,976			33,539,032			33,329,247			33,272,131
Average common shares outstanding -
Basic		33,586,922			33,557,536			33,423,922			33,310,290			33,255,015
Diluted		34,057,507			34,027,895			33,906,434			33,864,129			33,795,243
Performance Ratios:
Return on average assets		1.77	%		1.71	%		1.60	%		1.76	%		1.79	%
Return on average stockholders’ equity		13.84			13.59			13.02			14.18			14.74
Net interest margin		3.84			3.74			3.71			3.79			3.75
Efficiency ratio		52.02			54.07			59.33			52.47			52.10


BancFirst Corporation
Summary Financial Information
(Dollars in thousands, except per share and share data - Unaudited)

	2026			2026			2025			2025			2025
	2nd Qtr			1st Qtr			4th Qtr			3rd Qtr			2nd Qtr
Balance Sheet Data:

Total assets	$	15,082,243		$	15,116,541		$	14,838,893		$	14,198,140		$	14,045,780
Interest-bearing deposits with banks		4,164,678			4,430,751			4,177,406			3,849,736			3,737,763
Debt securities		1,113,240			886,519			924,948			1,015,941			1,104,604
Total loans		8,655,260			8,596,068			8,544,634			8,287,167			8,124,497
Allowance for credit losses		(107,810	)		(105,330	)		(104,299	)		(99,511	)		(96,988	)
Noninterest-bearing demand deposits		4,162,306			4,105,840			3,897,613			3,816,389			3,967,626
Money market and interest-bearing checking deposits		5,442,757			5,605,932			5,610,882			5,393,791			5,301,439
Savings deposits		1,428,690			1,391,142			1,318,062			1,251,394			1,205,602
Time deposits		1,792,537			1,798,187			1,843,836			1,656,813			1,581,525
Total deposits		12,826,290			12,901,101			12,670,393			12,118,387			12,056,192
Stockholders' equity		1,957,097			1,901,912			1,854,125			1,782,801			1,728,038
Book value per common share		58.25			56.65			55.28			53.49			51.94
Tangible book value per common share (non-GAAP)(1)		52.21			50.58			49.20			47.71			46.12
Balance Sheet Ratios:
Average loans to deposits		67.02	%		67.02	%		66.43	%		67.32	%		67.11	%
Average earning assets to total assets		92.45			92.84			93.00			93.00			92.97
Average stockholders' equity to average assets		12.79			12.60			12.33			12.38			12.14
Asset Quality Data:
Past due loans	$	7,077		$	8,364		$	8,115		$	7,959		$	7,515
Nonaccrual loans (3)		81,420			62,178			61,130			57,266			49,878
Other real estate owned and repossessed assets		61,703			53,649			49,134			53,233			53,022
Nonaccrual loans to total loans		0.94	%		0.72	%		0.72	%		0.69	%		0.61	%
Allowance to total loans		1.25			1.23			1.22			1.20			1.19
Allowance to nonaccrual loans		132.41			169.40			170.62			173.77			194.45
Net charge-offs to average loans		0.03			0.02			0.02			0.02			0.05

Reconciliation of Tangible Book Value Per Common Share (non-GAAP)(2):

Stockholders' equity	$	1,957,097		$	1,901,912		$	1,854,125		$	1,782,801		$	1,728,038
Less goodwill		183,388			183,388			182,739			182,263			182,263
Less intangible assets, net		19,408			20,382			21,357			10,548			11,410
Tangible stockholders’ equity (non-GAAP)	$	1,754,301		$	1,698,142		$	1,650,029		$	1,589,990		$	1,534,365
Common shares outstanding		33,598,745			33,575,976			33,539,032			33,329,247			33,272,131
Tangible book value per common share (non-GAAP)	$	52.21		$	50.58		$	49.20		$	47.71		$	46.12

(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 $7.9 million of nonaccrual loans at June 30, 2026.


BancFirst Corporation
Summary Financial Information
(Dollars in thousands, except per share and share data - Unaudited)

	Six months ended
	June 30,
	2026			2025
Condensed Income Statements:
Net interest income	$	261,141		$	237,205
Provision for credit losses on loans		7,409			2,700
(Benefit from)/provision for off-balance sheet credit exposures		(387	)		273
Noninterest income:
Trust revenue		12,135			11,334
Service charges on deposits		37,132			34,545
Securities transactions		1,629			(1,073	)
Sales of loans		1,693			1,466
Insurance commissions		16,921			18,330
Cash management		21,488			20,624
Other		14,342			11,716
Total noninterest income		105,340			96,942

Noninterest expense:
Salaries and employee benefits		119,161			109,740
Occupancy expense, net		12,606			11,790
Depreciation		9,804			9,499
Amortization of intangible assets		1,949			1,748
Data processing services		6,438			5,877
Net expense from other real estate owned		8,172			5,599
Marketing and business promotion		4,718			4,786
Deposit insurance		3,489			3,400
Other		27,983			27,939
Total noninterest expense		194,320			180,378
Income before income taxes		165,139			150,796
Income tax expense		35,457			32,337
Net income	$	129,682		$	118,459
Per Common Share Data:
Net income-basic	$	3.86		$	3.56
Net income-diluted		3.81			3.51
Cash dividends declared		0.98			0.92
Common shares outstanding		33,598,745			33,272,131
Average common shares outstanding -
Basic		33,572,310			33,243,963
Diluted		34,040,322			33,782,069
Performance Ratios:
Return on average assets		1.74	%		1.73	%
Return on average stockholders’ equity		13.72			14.31
Net interest margin		3.79			3.72
Efficiency ratio		53.02			53.98


	BancFirst Corporation
	Consolidated Average Balance Sheets
	And Interest Margin Analysis
	Taxable Equivalent Basis
	(Dollars in thousands - Unaudited)

	Three Months Ended								Six Months Ended
	June 30, 2026								June 30, 2026
				Interest		Average						Interest		Average
	Average			Income/		Yield/			Average			Income/		Yield/
	Balance			Expense		Rate			Balance			Expense		Rate
ASSETS
Earning assets:
Loans	$	8,610,837		$	148,013		6.89	%	$	8,580,750		$	292,330		6.87	%
Securities – taxable		999,677			7,413		2.97			950,975			13,286		2.82
Securities – tax exempt		6,756		68		4.01				7,148		134			3.77
Interest bearing deposits with banks and FFS		4,343,973			40,042		3.70			4,368,252			80,124		3.70
Total earning assets		13,961,243			195,536		5.62			13,907,125			385,874		5.60

Nonearning assets:
Cash and due from banks		217,300								221,400
Interest receivable and other assets		1,028,343								988,094
Allowance for credit losses		(105,148	)							(104,780	)
Total nonearning assets		1,140,495								1,104,714
Total assets	$	15,101,738							$	15,011,839

LIABILITIES AND STOCKHOLDERS' EQUITY
Interest bearing liabilities:
Money market and interest-bearing checking deposits	$	5,499,834		$	34,602		2.52	%	$	5,546,776		$	69,920	2.54		%
Savings deposits		1,408,443			9,467		2.70			1,379,604			18,405		2.69
Time deposits		1,815,864			16,445		3.63			1,817,743			33,417		3.71
Short-term borrowings		13,798			102		2.97			14,444			244		3.40
Long-term borrowings		-			-		-			3,055			42		2.77
Subordinated debt		86,233			1,031		4.80			86,226			2,061		4.82
Other liabilities		16,747			199		4.76			16,736			332		4.00
Total interest bearing liabilities		8,840,919			61,846		2.81			8,864,584			124,421	2.83

Interest free funds:
Noninterest bearing deposits		4,123,897								4,059,407
Interest payable and other liabilities		204,942								182,001
Equity		1,931,980								1,905,847
Total interest free funds		6,260,819								6,147,255
Total liabilities and stockholders’ equity	$	15,101,738							$	15,011,839
Net interest income				$	133,690							$	261,453
Net interest spread							2.81	%							2.77	%
Effect of interest free funds							1.03	%							1.02	%
Net interest margin							3.84	%						3.79		%