BOKF, N.A.
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Data as of · sourced from FFIEC call reports. How we update
BOKF, N.A. is an FDIC-insured commercial bank headquartered in Tulsa, OK, established in 1910 (FDIC certificate 4214), and it is supervised by the OCC. At Q2 2026 it reported total assets of $52.98B, up 4.1% from Q2 2025, the largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 12.29% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4214
- Headquarters
- Tulsa, OK
- Established
- 1910
- Total assets, Q2 2026
- $52.98B
- Assets vs Q2 2025
- +4.1%
- CET1 ratio, Q2 2026
- 12.29%
- Domestic offices
- 115 FDIC institution directory, current count
- Routing number
- 103900036
- Latest call report
- Q2 2026, FFIEC 041 · BOKF, N.A. call report
- Holding company
- BOK FINANCIAL CORPORATION
- Asset rank in state
- 1st of 169 in Oklahoma
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 115 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%. The figures come from its call report filed with the FFIEC.
BOKF, N.A. ranks as the largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.9% to $52.98B, loans rose 3.4% and deposits rose 3.0%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 34.9% of total loans, ahead of non-owner-occupied commercial real estate loans at 14.8%. Its 114 offices in the FDIC Summary of Deposits are in 56 cities across 8 states; its Tulsa 15 offices book 29% of its branch deposits. Judged on its Q2 2026 call report, BOKF, N.A. meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 115 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, BOKF, N.A.'s total assets ran between $48.68B (Q3 2023) and $53.49B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$52.98B total assets against $50.92B; $47.24B total liabilities against $45.50B.
$26.87B net loans and leases against $24.07B; $40.02B total deposits against $38.50B.
$15.24B securities against $15.25B; $1.63B cash and balances due against $1.59B.
$638.7M total interest income against $642.0M; $288.4M total interest expense against $313.7M.
$350.3M net interest income against $328.3M.
$171.6M total noninterest income against $175.8M; $327.6M total noninterest expense against $324.0M.
$0 provision for credit losses against $0.
$171.9M net income against $140.3M.
1.26% return on assets against 1.07%; 2.84% net interest margin against 2.76%.
12.29% CET1 capital ratio against 12.61%; 9.29% tier 1 leverage ratio against 9.08%.
Inside the full BOKF, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 48 of 4,196, for total assets; its furthest is 1,619 of 2,134, for CET1 ratio.
Metric pages for BOKF, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.97% (Q1 2025) to 1.26% (Q2 2026) and its net interest margin ran from 2.65% (Q3 2024) to 2.93% (Q4 2025).
| 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
View all 114 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 192 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.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is BOKF, N.A. headquartered?
It is headquartered in Tulsa, OK, United States.
When was BOKF, N.A. founded?
It was established in 1910, per the FDIC institution directory.
Is BOKF, N.A. FDIC-insured?
Yes. It 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.
What is BOKF, N.A.'s CET1 capital ratio?
It 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?
It operates 115 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?
Its Texas Ratio is 1.21% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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