Company: BANFP
Filing Date: 2025-05-09
Form Type: 10-Q
Source: 0000950170-25-067899
Chunk: 5

Company: BANCFIRST CORP /OK/
Filing Date: 2025-05-09
Form: 10-Q
Item: Item 2
Chunk 5
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 banking industry that could impact customer confidence. 

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

•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.   

•Deterioration in the market for commercial office property could have an adverse effect on the value of the Company's other real estate owned as well as commercial office collateral for the Company's commercial real estate loans. 

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

•Changes in interest rates.

•The increased time and effort 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.

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

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

•Impairment of the Company’s goodwill or other intangible assets.

•Changes in consumer spending, borrowing and savings habits.

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

•Technological changes.