BOKF, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 7.06 percentage points lower than in Q1 2026, at 143.82%. BOKF, N.A. ranks 117th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 67.82% (Q2 2026). BOKF, N.A. reported 67.82% on loan-to-deposit ratio for Q2 2026, 19.01 points below the 86.83% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $27.14B |
| Net loans and leases | $26.87B |
| Loans held for sale | $100.6M |
| Loans to total assets | 51.23% |
| Loan-to-deposit ratio | 67.82% |
| Net loans to equity capital | 4.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.69% |
| Multifamily (5+ residential) | 7.53% |
| Commercial and industrial | 34.83% |
| Consumer | 1.63% |
| Credit cards | 0.00% |
| Farm | 0.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 143.82% |
| Construction concentration (Tier 1 capital + allowance) | 28.30% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $411.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $23.74B | $33.94B | 26.51% | 37.43% | 1.74% |
| Q4 2023 | $23.91B | $34.31B | 26.74% | 35.30% | 1.70% |
| Q1 2024 | $24.20B | $35.67B | 28.71% | 34.71% | 1.91% |
| Q2 2024 | $24.61B | $36.52B | 27.96% | 35.35% | 1.74% |
| Q3 2024 | $24.03B | $37.49B | 29.15% | 34.55% | 1.82% |
| Q4 2024 | $24.15B | $38.53B | 27.02% | 35.24% | 1.85% |
| Q1 2025 | $23.73B | $38.66B | 26.72% | 34.04% | 1.93% |
| Q2 2025 | $24.35B | $38.50B | 27.19% | 33.21% | 1.92% |
| Q3 2025 | $24.92B | $38.78B | 29.95% | 33.14% | 1.92% |
| Q4 2025 | $25.70B | $39.68B | 29.14% | 34.11% | 1.82% |
| Q1 2026 | $26.25B | $38.86B | 29.18% | 34.45% | 1.71% |
| Q2 2026 | $27.14B | $40.02B | 28.69% | 34.83% | 1.63% |
BOKF, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock BOKF, N.A., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full BOKF, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4214) · FFIEC NIC profile (RSSD 339858)