Company: BANFP
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0001193125-25-271672
Chunk: 5

Company: BANCFIRST CORP /OK/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 2
Chunk 5
---
 accounting policies and practices, as may be adopted by the regulatory agencies, as well as the Public Company Accounting Oversight Board, the Financial Accounting Standards Board and other accounting standard setters.

•Changes in fiscal, monetary or regulatory policy may have adverse consequences including impacts to the labor market, tariffs and inflation which may impact our financial performance.   

•Changes in the regulatory environment for the banking industry, including rule-making, supervision, examination, and enforcement.

•The increased time, effort and staffing needs related to ongoing and/or changed regulations from regulatory bodies could negatively impact noninterest expense.   

•Local, regional, national and international economic conditions, including the effect of a government shutdown, and the impact they may have on the Company and its customers.

•Inflation, including wage inflation, energy prices, securities markets and monetary fluctuations.

•Changes in oil and gas commodity prices and the potential impact to the related loan portfolio as well as the overall impact to the regional economic environment.

•Changes in interest rates.

•Potential impacts of adverse developments in the banking industry that could impact customer confidence. 

•Further shift in deposit mix from noninterest-bearing deposits to interest-bearing deposits could negatively impact net interest margin.

•Changes in the financial performance and/or condition of the Company’s borrowers, including the impact of higher interest rates.

•Changes in consumer spending, borrowing and savings habits.

•Changes in the mix of loan sectors and types or the level of non-performing assets and charge-offs.