Company: BANFP
Filing Date: 2025-08-05
Form Type: S-3ASR
Source: 0000950170-25-102928
Chunk: 4

Company: BANCFIRST CORP /OK/
Filing Date: 2025-08-05
Form: S-3ASR
Chunk 4
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 and other similar expressions are intended to identify forward-looking statements but are not the exclusive means of identifying such statements.

Forward-looking statements involve risks and uncertainties that may cause actual results to differ materially from those in such statements. Factors that could cause actual results to differ from those discussed in the forward-looking statements include, but are not limited to:

Potential impacts of adverse developments in the 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 our other real estate owned as well as commercial office collateral for our 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 us and our customers.

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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 our goodwill or other intangible assets.

Changes in consumer spending, borrowing and savings habits.

Changes in the financial performance and/or condition of the our borrowers, including the impact of higher interest rates.

Technological changes.

Cyber threats.

The effect of changes in 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.

Our success at managing the risks involved in the foregoing items.

Consider these factors carefully in evaluating the forward-looking statements. Additional factors that may cause results to differ materially from those described in the forward-looking statements are set forth in our Annual Report on Form 10-K for the year ended 2024, the subsequent Quarterly Reports on Form 10-Q and any Current Reports on Form 8-K, including those set forth under the headings “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” in our Annual Report on Form 10-K for the year ended 2024.

Any forward-looking statements made