BOKF
BOKF reported total assets of $53.0 bn at Q2 2026, up 4.1% on a year earlier, the 49th largest of 497 banks in our US coverage. The CET1 capital ratio at BOKF was 12.29%, and the uninsured share of BOKF was 52.92%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, BOKF climbed from 270th to 212th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , BOKF has taken over 2 institutions; the latest was CoBiz Bank on (FDIC Call Reports).
What sets BOKF apart
How large is BOKF?
The balance sheet of BOKF at : assets $53.0 bn, deposits $40.0 bn, net loans $26.9 bn (loans equal to 67.13% of deposits). Securities make up 28.8% of total assets at BOKF. Since , when BOKF held $31.2 bn, its assets grew 69.8%. In the year to , deposits at BOKF rose 4.0% while its total assets rose 4.1%. At , BOKF employed 4,804 full-time equivalent staff across 115 offices, about $11.0 mn of assets per employee and $348.0 mn of deposits per office.
How much funding at BOKF is uninsured?
At BOKF, uninsured deposits (above the FDIC limit) made up 52.92% of domestic deposits at (-0.63 pp on a year earlier); BOKF ranks 64th of 500 on this measure. In dollars, BOKF estimated $21.2 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $40.0 bn | +4.0% | 51st of 499 |
| Net loans and leases | $26.9 bn | +11.6% | 56th of 500 |
| Loan-to-deposit ratio | 67.13% | +4.60 pp | 434th of 500 |
| Tier 1 leverage ratio | 9.29% | +0.21 pp | 396th of 500 |
| Total risk-based capital ratio | 14.17% | +0.52 pp | 233rd of 448 |
| Net interest margin | 2.92% | +0.03 pp | 418th of 500 |
| Return on assets (ROA) | 1.23% | +0.18 pp | 293rd of 500 |
| Efficiency ratio | 62.01% | -2.86 pp | 359th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $144.4 mn | Narrowed by $2.6 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $256.5 mn | Narrowed by $20.2 mn | |
| Noncurrent loans to total loans | 0.54% | -0.04 pp | 212th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.02% | +0.00 pp | 125th of 500 (1 = lowest) |
US rank of BOKF: 1 = highest unless marked 1 = lowest.
Balance sheet
BOKF: assets, deposits and loans
- Total assets $53.0bn
- Deposits $40.0bn
- Net loans $26.9bn
Capital and securities
The CET1 ratio of BOKF stood at 12.29% in , -0.32 pp year on year. Low and high at BOKF since : 10.32% () to 12.61% (). Equity capital of BOKF at : $5.7 bn, or 10.8% of total assets. BOKF also reported a total capital ratio of 14.17% for , and a tier 1 leverage ratio of 9.29%.
On held-to-maturity securities, BOKF carried an unrealized loss of $144.4 mn at , equal to 2.5% of equity capital. The loss narrowed by $2.6 mn over the year. Its deepest point: $246.4 mn in . The available-for-sale portfolio of BOKF showed an unrealized loss of $256.5 mn at ; the loss narrowed by $20.2 mn over the year.
BOKF: capital ratios
- Total capital 14%
- CET1 12%
- Tier 1 leverage 9.3%
BOKF: unrealized securities gains and losses
- Available for sale -$256mn
- Held to maturity -$144mn
Profitability and loan quality
For the year to , BOKF earned a return on equity of 11.57%; return on assets: 1.23%. Net interest margin at BOKF: 2.92%, +0.03 pp in a year. BOKF net income: $324.8 mn, up 22.7% year on year. The efficiency ratio of BOKF was 62.01%: about 62 cents cost per revenue dollar, against 57 cents at the median peer.
At , noncurrent loans were 0.54% of total loans at BOKF; net charge-offs: 0.02% of average loans. Gross loans and leases at BOKF: $27.1 bn, up 11.5% in a year.
BOKF: profitability
- Return on equity 12%
- Net interest margin 2.9%
- Return on assets 1.2%
Peer group of BOKF
The peer group of BOKF is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 4 share the charter type of BOKF (national bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Oklahoma. Against them, BOKF shows CET1 ratio 12.29% against a peer median of 13.73%, return on equity 11.57% against a peer median of 13.22% and uninsured deposit share 52.92% against a peer median of 44.57%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Banco Popular de Puerto Rico | State member bank | PR | $63.3 bn | 16.40% | 21.78% | 59.76% | |
| SoFi Bank | National bank | UT | $56.8 bn | 15.17% | 15.41% | 5.01% | |
| Frost Bank | State member bank | TX | $54.0 bn | 14.42% | 15.30% | 52.16% | |
| BOKF | National bank | OK | $53.0 bn | 12.29% | 11.57% | 52.92% | |
| Associated Bank | National bank | WI | $51.8 bn | 10.23% | 9.94% | 48.97% | |
| First National Bank of Pennsylvania | National bank | PA | $50.8 bn | 11.40% | 8.90% | 40.17% | |
| EverBank | National bank | FL | $46.7 bn | 13.04% | 11.14% | 13.47% | |
. FDIC Call Reports.
Last eight quarters
Two years at BOKF, to : assets +6.2%, deposits +6.8%, equity +9.4%. Staff 4,806 to 4,804.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $49.9 bn | $49.5 bn | $50.3 bn | $50.9 bn | $49.9 bn | $52.0 bn | $53.5 bn | $53.0 bn |
| Total deposits | $37.5 bn | $38.5 bn | $38.7 bn | $38.5 bn | $38.8 bn | $39.7 bn | $38.9 bn | $40.0 bn |
| Bank equity capital | $5.3 bn | $5.1 bn | $5.3 bn | $5.4 bn | $5.5 bn | $5.5 bn | $5.6 bn | $5.7 bn |
| CET1 ratio | 12.09% | 12.23% | 12.39% | 12.61% | 12.56% | 12.02% | 11.89% | 12.29% |
| Return on equity (ROE) | 10.51% | 10.58% | 9.54% | 10.02% | 9.98% | 10.32% | 11.03% | 11.57% |
| Uninsured share of domestic deposits | 51.84% | 52.82% | 53.59% | 53.55% | 53.59% | 53.37% | 51.83% | 52.92% |
| Full-time equivalent employees | 4,806 | 4,822 | 4,853 | 4,887 | 4,828 | 5,124 | 4,788 | 4,804 |
| Number of offices | 115 | 116 | 117 | 115 | 115 | 115 | 115 | 115 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of BOKF, oldest first; figures before and after each event are not like for like.
- . Absorbed Missouri Bank and Trust Company of Kansas City (FDIC certificate 9387).
- . Absorbed CoBiz Bank (FDIC certificate 22683).
Questions and identifiers
What were the total assets of BOKF?
BOKF reported $53.0 bn at in its Call Report. That makes BOKF the 49th largest of 497 banks in our US coverage.
Is BOKF the same as its holding company?
No. This page covers BOKF, FDIC certificate 4214; BOK FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is BOKF profitable?
BOKF reported net income of $324.8 mn for the year to ; annualized return on equity: 11.57%. So yes: BOKF made a profit over these months.
When is data for BOKF next updated?
Figures from BOKF for are due after .
Where can I check the figures for BOKF?
In the FDIC BankFind Suite record for certificate 4214, and in the Call Reports of BOKF (RSSD ID 339858) at the FFIEC Central Data Repository.