BOKF, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
BOKF, N.A. is the 48th-largest bank in the United States, with $53.0 billion in assets at June 30, 2026, up 4.1% from a year earlier. It is headquartered in Tulsa, Oklahoma, and operates 116 domestic branches. It carries problem assets equal to 1.2% of the capital and reserves that would absorb them, about a third the median of 4.2% for the 127 banks with $10 billion to $100 billion in assets. On the other hand, it holds about half of its deposits (53%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 38.6%).
Net income for the quarter rose 23% from a year earlier, to $172 million. Over the same year, loans grew 11.5% and deposits grew 4.0%. Its margin is thin by comparison: it keeps 2.84 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.63 cents).
As of June 30, 2026, BOKF, N.A. reported a CET1 capital ratio of 12.29%, a return on assets of 1.26%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 1.21%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1 Williams Ctr, Tulsa, OK 74172
- County
- Tulsa
- Metro Area
- Tulsa, OK
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 10, 1910
- Former names
- Bank of Oklahoma, National Association (1986-2011); Bank of Oklahoma, Tulsa, National Association (1984-1986)
- Offices
- 116 domestic
- Employees (FTE)
- 4,804
- Domestic deposits
- $40.02B
- Allowance for credit losses
- $277.5M
- Net charge-offs (YTD)
- $2.4M
- Average total assets
- $54.59B
- Average total loans
- $26.68B
- Average interest-bearing deposits
- $31.68B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4214
- Fed RSSD
- 339858
- SEC CIK
- 875357 → filed by BOK FINANCIAL CORPORATION
- Website
- www.bokfinancial.com →
- Parent Holding Company
- BOK FINANCIAL CORPORATION (RSSD 1883693) · BOKF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Stacy Kymes | CEO | President & CEO |
| Martin E Grunst | CFO | EVP, CFO |
| Sloan Tamara Ruth | GC | EVP, General Counsel |
| Christy K Daboval | CCO | EVP, Chief Credit Officer |
| Derek Martin | CIO | EVP, Chief Information Officer |
| Mindy M. Mahaney | CRO | EVP, Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full BOKF, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock BOKF, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
BOKF, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for BOKF, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.29% | 1.26% | 0.54% | 1.21% | 2.84% |
| Q1 2026 | 11.89% | 1.15% | 0.55% | 1.11% | 2.84% |
| Q4 2025 | 12.02% | 1.19% | 0.59% | 1.44% | 2.93% |
| Q3 2025 | 12.56% | 1.05% | 0.54% | 1.41% | 2.87% |
| Q2 2025 | 12.61% | 1.07% | 0.58% | 1.60% | 2.76% |
| Q1 2025 | 12.39% | 0.97% | 0.64% | 1.79% | 2.74% |
| Q4 2024 | 12.23% | 1.08% | 0.41% | 0.95% | 2.72% |
| Q3 2024 | 12.09% | 1.06% | 0.54% | 1.75% | 2.65% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 114 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| BOKF, N.A. (main office) | Tulsa , OK | 74172 | $9.54B |
| Oklahoma City Downtown Branch | Oklahoma City , OK | 73102 | $5.94B |
| Lincoln Park Branch | Dallas , TX | 75225 | $4.16B |
| Colorado State Bk & Trust Denver Dt Branch | Denver , CO | 80202 | $2.06B |
| Tanglewood Branch | Houston , TX | 77056 | $1.96B |
| Northtowne Branch | Albuquerque , NM | 87109 | $1.69B |
| 121st & Metcalf Branch | Overland Park , KS | 66213 | $1.41B |
| Cambelback Branch | Phoenix , AZ | 85016 | $1.34B |
| Ft. Worth Penn Street Branch | Fort Worth , TX | 76102 | $1.02B |
| Brookside Branch | Tulsa , OK | 74105 | $475.9M |
| Sugar Land Branch | Sugar Land , TX | 77478 | $442.6M |
| Colorado Business Bank-Boulder Branch | Boulder , CO | 80302 | $367.0M |
| 2650 Royal Lane Branch | Dallas , TX | 75229 | $323.3M |
| Colorado Business Bank-Littleton Branch | Littleton , CO | 80120 | $299.2M |
| Alamo Heights Branch | San Antonio , TX | 78209 | $251.3M |
| 1 Williams Center Branch | Tulsa , OK | 74172 | $250.5M |
| Richardson Branch | Richardson , TX | 75080 | $241.5M |
| Mesa Riverview Branch | Mesa , AZ | 85201 | $224.3M |
| 96th & Garnett Owasso Branch | Owasso , OK | 74055 | $216.2M |
| Muskogee Branch | Muskogee , OK | 74401 | $212.9M |
| Scottsdale 101 Branch | Phoenix , AZ | 85054 | $209.2M |
| Edmond 15th & Bryant Branch | Edmond , OK | 73013 | $208.3M |
| 1960 & Northgate Forest Branch | Houston , TX | 77014 | $202.8M |
| Golden Branch | Golden , CO | 80401 | $175.9M |
| Norman Branch | Norman , OK | 73072 | $169.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 31, 2023 | M&A | Acquired BOK Financial Asset Management, Inc. merger for the acquired bank | SEC |
| December 31, 2023 | Structure Change | Acquired BOK Financial Asset Management, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 25, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 23, 2019 | M&A | Acquired CoBiz Bank merger for the acquired bank | SEC |
| March 23, 2019 | Structure Change | Acquired CoBiz Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 18, 2017 | Structure Change | Acquired Missouri Bank and Trust Company of Kansas City Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 18, 2017 | M&A | Acquired Missouri Bank and Trust Company of Kansas City merger for the acquired bank | SEC |
| February 17, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2014 | M&A | merger | SEC |
| March 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2014 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| January 1, 2012 | M&A | Acquired Southwest Trust Company, N.A. merger for the acquired bank | SEC |
| January 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2012 | Structure Change | Acquired Southwest Trust Company, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2011 | M&A | Acquired Bank of Arizona, National Association merger for the acquired bank | SEC |
| January 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2011 | Structure Change | Acquired Bank of Texas. National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 16, 1999 | M&A | Acquired The First National Bank and Trust Company of Muskogee merger for the acquired bank | SEC |
| October 16, 1999 | Structure Change | Acquired The First National Bank and Trust Company of Muskogee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 15, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1997 | M&A | Acquired Bancoklahoma Trust Company merger for the acquired bank | SEC |
| April 1, 1997 | Structure Change | Acquired Bancoklahoma Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 14, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 14, 1994 | M&A | Acquired Citizens Bank merger for the acquired bank | SEC |
| November 14, 1994 | Structure Change | Acquired Citizens Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 8, 1994 | M&A | Acquired Northwest Bank of Enid merger for the acquired bank | SEC |
| October 8, 1994 | Structure Change | Acquired Northwest Bank of Enid Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 7, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 3, 1994 | Structure Change | Acquired Plaza National Bank of Bartlesville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 3, 1994 | M&A | Acquired Plaza National Bank of Bartlesville merger for the acquired bank | SEC |
| May 2, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 9, 1993 | M&A | Acquired Heartland Federal Savings and Loan Association merger for the acquired bank | SEC |
| October 9, 1993 | Structure Change | Acquired Heartland Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 10, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 8, 1993 | Structure Change | Acquired Sand Springs State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 8, 1993 | M&A | Acquired Sand Springs State Bank merger for the acquired bank | SEC |
| July 16, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 38 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for BOKF, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 18 against individuals associated with it
- Period: Most recent action May 16, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 13.6% of deposits in OK, rank 1 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 11,003 applications, 5,995 loans originated, $2.53B originated, across 47 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 20 loans, $19.2M approved, $961K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 72 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about BOKF, N.A.
What are BOKF, N.A.'s total assets?
As of the Q2 2026 filing, BOKF, N.A. reported total assets of $52.98 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is BOKF, N.A. headquartered?
BOKF, N.A. is headquartered in Tulsa, OK, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was BOKF, N.A. founded?
BOKF, N.A. was established in 1910, per the FDIC institution directory.
Is BOKF, N.A. FDIC-insured?
Yes. BOKF, N.A. is an FDIC-insured commercial bank (FDIC Certificate #4214). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BOKF, N.A.?
BOKF, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is BOKF, N.A.'s CET1 capital ratio?
BOKF, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 12.29% in its Q2 2026 call report, above regulatory requirements.
How many branches does BOKF, N.A. operate?
BOKF, N.A. operates 116 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BOKF, N.A.'s Texas Ratio?
BOKF, N.A.'s Texas Ratio is 1.21% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was BOKF, N.A. previously called?
The charter now named BOKF, N.A. has also operated as Bank of Oklahoma, National Association (1986-2011), Bank of Oklahoma, Tulsa, National Association (1984-1986), per FDIC structure-change records.
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