BOK FINANCIAL CORP

Listed Company

BOKFCIK 0000875357NasdaqLarge AcceleratedNational Commercial BanksOklahomaFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$577.99M

Total Assets

$52.24B

Equity

$5.92B

Shares Out

60.76M

Op. Cash Flow

$739.62M

BOKF$141.31+36.15% · past yearDBEQ Basic

Daily closing prices

Business

BOK Financial is a financial holding company that offers full-service banking across Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri through its subsidiary BOKF, NA and operating divisions. The company provides loans and deposits, cash management services, fiduciary services, mortgage banking, brokerage and trading services, and wealth management to businesses, financial institutions, and consumers. BOK Financial operates three reportable segments—Commercial Banking, Consumer Banking, and Wealth Management—and serves metropolitan markets including Tulsa, Oklahoma City, Dallas, Fort Worth, Houston, San Antonio, Albuquerque, Denver, Phoenix, and Kansas City.

Summary from 10-K filed 2026-02-18

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans	1,625	1,761	1,631	977	769
Residential mortgage loans held for sale	5	5	4	6	5
Trading securities	296	288	216	115	156
Investment securities	27	30	34	24	10
Available for sale securities	527	491	388	248	230
Fair value option securities	4	761,000	8	2	2
Restricted equity securities	25	33	30	8	—
Interest-bearing cash and cash equivalents	23	28	32	12	1
Total interest and dividend revenue	2,531	2,636	2,342	1,392	1,180
Deposits	956	1,026	627	122	33
Borrowed funds	241	391	435	52	18
Subordinated debentures	7	9	9	6	11
Total interest expense	1,204	1,426	1,070	181	—
Net interest income	1,327	1,211	1,272	1,211	1,118
Provision for credit losses	2	18	46	30	−100
Net interest and dividend income after provision for credit losses	1,325	1,193	1,226	1,181	1,218
Total fees and commissions revenue	801	810	781	657	668
Other gains, net	44	80	57	123,000	64
Gain (loss) on derivatives, net	12	−22	−10	−73	−19
Gain (loss) on fair value option securities, net	3	−256,000	−4	−20	—
Change in fair value of mortgage servicing rights	−13	18	−3	80	42
Gain (loss) on available-for-sale securities, net	2	−46	−31	−971,000	4
Total other operating revenue	848	840	790	643	756
Personnel	878	811	767	671	695
Business promotion	39	33	32	26	16
Charitable contributions to BOKF Foundation	0	14	3	3	9
Professional fees and services	62	54	55	56	51
Net occupancy and equipment	131	125	122	117	109
FDIC and other insurance	26	31	31	18	16
FDIC special assessment	−11	6	44	—	—
Data processing and communications	199	187	181	166	152
Printing, postage, and supplies	16	15	15	16	14
Amortization of intangible assets	11	12	14	16	18
Mortgage banking costs	36	35	31	36	43
Other expense	45	43	39	40	55
Total other operating expense	1,433	1,366	1,333	1,164	1,178
Net income before taxes	741	667	683	660	796
Federal and state income taxes	163	143	152	140	180
Net income	578	524	531	520	616
Net income (loss) attributable to Non-controlling interests	−12,000	−16,000	387,000	20,000	−2
Net income attributable to BOK Financial Corporation shareholders	578	524	531	520	618
Basic (in dollars per share)	9.17	8.14	8.02	7.68	8.95
Diluted (in dollars per share)	9.17	8.14	8.02	7.68	8.95
Basic (in shares)	63	64	66	67	69
Diluted (in shares)	63	64	66	67	69
Dividends declared per share (in dollars per share)	2.34	2.22	2.17	2.13	2.09

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	1,001	1,044	948	944	712
Interest-bearing cash and cash equivalents	657	391	401	458	2,125
Trading securities	5,393	4,899	5,194	4,464	9,137
Investment securities	1,784	2,017	2,244	—	—
Available-for-sale securities	13,607	12,852	12,287	11,494	13,158
Fair value option securities	102	18	21	297	44
Restricted equity securities	225	406	423	300	83
Residential mortgage loans held for sale	95	78	57	75	192
Loans	25,651	24,115	23,905	—	—
Allowance for loan losses	−276	−280	−277	−236	−256
Loans, net of allowance	25,376	23,835	23,628	—	—
Premises and equipment, net	639	634	622	565	574
Receivables	293	281	318	274	223
Goodwill	1,045	1,045	1,045	1,045	1,045
Intangible assets, net	35	47	60	76	92
Mortgage servicing rights	323	338	294	278	163
Real estate and other repossessed assets, net of allowance	176,000	2	3	14	25
Derivative contracts, net	301	243	410	880	1,097
Cash surrender value of bank-owned life insurance	422	417	410	407	406
Receivable on unsettled securities sales	62	5	392	31	56
Other assets	880	1,135	1,070	1,354	958
Total assets	52,238	49,686	49,825	47,791	50,249
Non-interest bearing demand deposits	8,082	8,372	9,196	13,395	15,344
Transaction	26,850	25,455	20,964	18,659	23,269
Savings	864	829	847	964	925
Time	3,639	3,535	3,012	1,462	1,704
Total deposits	39,435	38,191	34,020	34,481	41,242
Funds purchased and repurchase agreements	1,492	1,293	1,123	2,270	2,326
Other borrowings	2,746	3,030	7,702	4,737	37
Subordinated debentures	397	131	131	131	131
Accrued interest, taxes, and expense	383	352	339	297	273
Derivative contracts, net	398	238	587	555	276
Due on unsettled securities purchases	991	405	254	147	161
Other liabilities	476	494	524	485	435
Total liabilities	46,317	44,135	44,679	43,103	44,881
Common stock	5,000	5,000	5,000	5,000	5,000
Capital surplus	1,429	1,430	1,407	1,390	1,379
Retained earnings	6,023	5,592	5,212	4,824	4,448
Treasury stock	−1,367	−970	−877	−695	−535
Accumulated other comprehensive loss	−166	−503	−599	−837	72
Total shareholders equity	5,919	5,548	5,142	4,683	5,364
Non-controlling interests	2	3	3	5	5
Total equity	5,921	5,551	5,145	4,687	5,368
Total liabilities and equity	52,238	49,686	49,825	47,791	50,249

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Change in fair value of mortgage servicing rights due to principal payments	30	31	27	32	39
Net unrealized losses (gains) from derivative contracts	90	−173	133	−52	30
Share-based compensation	23	23	16	12	10
Depreciation and amortization	110	105	110	108	102
Net amortization of discounts and premiums	−52	−45	−20	9	18
Net losses (gains) on financial instruments and other losses (gains), net	−46	−34	−26	846,000	−67
Net loss (gain) on mortgage loans held for sale	−9	−8	4	−3	—
Mortgage loans originated for sale	−839	−812	−666	−1,180	−2,819
Proceeds from sale of mortgage loans held for sale	831	800	679	1,296	2,940
Capitalized mortgage servicing rights	−13	−15	−12	−18	−31
Charitable contributions to BOKF Foundation	0	14	0	0	—
Change in trading and fair value option securities	−578	297	−453	4,420	−4,358
Change in receivables	−62	322	−317	−34	39
Change in other assets	112	107	90	13	−13
Change in other liabilities	550	295	−80	51	13
Net cash provided by (used in) operating activities	740	1,430	66	5,122	−3,693
Proceeds from maturities or redemptions of investment securities	231	224	268	158	34
Proceeds from maturities or redemptions of available-for-sale securities	2,220	2,139	1,558	2,192	3,500
Purchases of investment securities	0	0	−3	−10	0
Purchases of available-for-sale securities	−2,826	−3,467	−2,951	−4,534	−4,607
Proceeds from sales of available-for-sale securities	306	839	835	307	623
Change in amount receivable on unsettled available-for-sale securities transactions	−8	101	−86	10	−10
Loans originated, net of principal collected	−1,495	−196	−1,350	−2,349	2,853
Net payments or proceeds on derivative asset contracts	−35	12	155	−7	161
Proceeds from sale of BOKF Insurance	0	0	33	0	0
Net change in restricted equity securities	—	—	123	217	—
Net change in restricted equity securities	181	17	—	—	88
Proceeds from disposition of assets	68	25	40	61	165
Purchases of assets	−164	−172	−166	−215	−204
Net cash provided by (used in) investing activities	−1,522	−477	−1,791	−4,603	2,603
Net change in demand deposits, transaction deposits and savings accounts	1,140	3,648	−2,011	−6,519	5,361
Net change in time deposits	104	523	1,550	−242	−263
Net change in other borrowed funds	−134	−4,527	1,803	4,610	−1,269
Repayment of subordinated debentures	−132	0	0	0	−150
Issuance of subordinated debentures, net of issuance costs	397	0	0	—	—
Change in amount due on unsettled security purchases	31	−180	190	−18	−117
Issuance of common and treasury stock, net	−7	−4	−5	—	—
Net change in derivative margin accounts	162	−81	631	520	−468
Net payments or proceeds on derivative liability contracts	5	−13	−166	−2	−80
Repurchase of common stock	−413	−90	−177	−155	−118
Dividends paid	−148	−143	−143	−144	−144
Net cash provided by (used in) financing activities	1,006	−867	1,672	−1,955	2,747
Net increase (decrease) in cash and cash equivalents	223	86	−53	−1,436	1,657
Cash paid for interest	1,205	1,428	1,045	176	69
Cash paid for federal taxes	81	83	152	—	—
Cash paid for state taxes	13	18	22	—	—
Net loans and bank premises transferred to repossessed real estate and other assets	167,000	462,000	787,000	12	8
Residential mortgage loans guaranteed by U.S. government agencies that became eligible for repurchase during the period	48	26	14	34	87
Conveyance of other real estate owned guaranteed by U.S. government agencies	6	4	6	8	6
Right-of-use assets obtained in exchange for operating lease liabilities	8	19	72	22	41

Filings

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Frequently asked questions

What is BOK FINANCIAL CORP's CIK number?

BOK FINANCIAL CORP's SEC CIK number is 0000875357 (875357). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find BOK FINANCIAL CORP's SEC filings?

All of BOK FINANCIAL CORP's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did BOK FINANCIAL CORP last report earnings?

BOK FINANCIAL CORP (BOKF) most recently filed an earnings 8-K with the SEC on Apr 20, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0000875357-26-000031). This is BOK FINANCIAL CORP's most recent earnings filing of record — not a forecast of its next earnings date.

What is BOK FINANCIAL CORP's most recent earnings 8-K?

BOK FINANCIAL CORP's latest earnings 8-K (Item 2.02) was filed Apr 20, 2026 under accession 0000875357-26-000031. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

View BOK FINANCIAL CORP's latest earnings 8-K →
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