# BOK FINANCIAL CORP

Summary updated: 2026-10-02T16:02:48.076186Z
Canonical: https://finbar.com/research/companies/bok-financial-corp

## Overview

BOK Financial Corporation is a financial holding company providing full-service banking and financial services. Its principal businesses are Commercial Banking, Consumer Banking and Wealth Management, offering services that include commercial lending and cash management, consumer deposits and loans, mortgage banking, and investment and fiduciary services. The company operates mainly across eight states in the central and southwestern United States, with major markets including Tulsa, Dallas–Fort Worth, Houston, Denver, Phoenix and Kansas City. [1](https://app.finbar.com/go?id=P71435625)[2](https://app.finbar.com/go?id=P116785077)[3](https://app.finbar.com/go?id=P24229298)[4](https://app.finbar.com/go?id=P56527540)

BOK Financial describes its purpose as “reimagin[ing] what’s possible in the pursuit of better” for clients, teams, business and communities. At December 31, 2025, it reported approximately $52 billion in consolidated assets and 5,034 full-time and part-time employees. For FY2025, net interest and dividend income plus other operating revenue amounted to approximately $2.18 billion. [5](https://www.bokfinancial.com/about-us/corporate-responsibility)[1](https://app.finbar.com/go?id=P71435625)[6](https://app.finbar.com/go?id=P112536801)[7](https://app.finbar.com/go?id=P75580199)
[1](https://app.finbar.com/go?id=P71435625)[2](https://app.finbar.com/go?id=P116785077)[3](https://app.finbar.com/go?id=P24229298)[4](https://app.finbar.com/go?id=P56527540)[5](https://www.bokfinancial.com/about-us/corporate-responsibility)[6](https://app.finbar.com/go?id=P112536801)[7](https://app.finbar.com/go?id=P75580199)[5](https://www.bokfinancial.com/about-us/corporate-responsibility)

## Products & services

BOK Financial’s commercial products include business lending, SBA and asset-based lending, equipment finance, payroll and international services, plus treasury and cash-management tools such as remote deposit capture, corporate cards, merchant services and ACH Positive Pay. Its BOK Exchange platform provides a single-login dashboard for payments, reporting, bill pay and Trade Advance. The company also operates TransFund, an electronic funds-transfer and ATM network. [8](https://app.finbar.com/go?id=P62996026) [9](https://www.bokfinancial.com/commercial/commercial-and-institutional-financial-solutions/products-and-services/treasury-solutions) [10](https://www.bokfinancial.com/commercial/commercial-and-institutional-financial-solutions/exchange) [11](https://app.finbar.com/go?id=P43649417)

Consumer offerings include checking, savings and money-market accounts, credit cards and personal banking services. Mortgage products include conventional, FHA, jumbo, VA, Native American, USDA Rural, construction, refinance and home-equity options; disclosed specifications include conventional down payments as low as 3% for eligible borrowers, FHA down payments as low as 3.5%, and jumbo loans up to $3 million, subject to terms and eligibility. Digital banking features include transfers, bill pay, Zelle, mobile check deposit, card controls, alerts and mobile-wallet support. [8](https://app.finbar.com/go?id=P62996026) [12](https://www.bokfinancial.com/personal/products-and-services/personal-banking/checking-accounts) [13](https://www.bokfinancial.com/personal/products-and-services/personal-banking/savings/savings-accounts) [14](https://www.bokfinancial.com/personal/products-and-services/loans-and-lines-of-credit/home-loans/mortgages) [15](https://www.bokfinancial.com/personal/products-and-services/loans-and-lines-of-credit/home-loans/mortgages/conventional-home-loans) [16](https://www.bokfinancial.com/personal/products-and-services/loans-and-lines-of-credit/home-loans/mortgages/fha-loans) [17](https://www.bokfinancial.com/personal/products-and-services/loans-and-lines-of-credit/home-loans/mortgages/jumbo-home-loans) [18](https://www.bokfinancial.com/personal/products-and-services/personal-banking/account-services/online-and-mobile-banking/mobile-access)

Wealth and institutional services include investment management, private banking, personal and corporate trust, custody, estate and business-succession planning, and retirement and executive-benefit services. BOK Financial also provides mortgage-market securities brokerage and trading and underwrites state and municipal securities. In FY2025, reported fee and commission revenue included $240.6 million from brokerage and trading, $207.3 million from fiduciary and asset management, $108.5 million from deposit service charges and fees, $106.9 million from transaction cards, and $55.7 million from mortgage banking; these are revenue categories rather than product-level profit measures. [8](https://app.finbar.com/go?id=P62996026) [19](https://www.bokfinancial.com/wealth/products-and-services/private-banking-and-wealth-management) [20](https://www.bokfinancial.com/wealth/products-and-services/private-banking-and-wealth-management/trust-services) [21](https://www.bokfinancial.com/commercial/commercial-and-institutional-financial-solutions/products-and-services/institutional-services) [22](https://app.finbar.com/go?id=T1002585)
[8](https://app.finbar.com/go?id=P62996026)[9](https://www.bokfinancial.com/commercial/commercial-and-institutional-financial-solutions/products-and-services/treasury-solutions)[10](https://www.bokfinancial.com/commercial/commercial-and-institutional-financial-solutions/exchange)[11](https://app.finbar.com/go?id=P43649417)[12](https://www.bokfinancial.com/personal/products-and-services/personal-banking/checking-accounts)[13](https://www.bokfinancial.com/personal/products-and-services/personal-banking/savings/savings-accounts)[14](https://www.bokfinancial.com/personal/products-and-services/loans-and-lines-of-credit/home-loans/mortgages)[15](https://www.bokfinancial.com/personal/products-and-services/loans-and-lines-of-credit/home-loans/mortgages/conventional-home-loans)[16](https://www.bokfinancial.com/personal/products-and-services/loans-and-lines-of-credit/home-loans/mortgages/fha-loans)[17](https://www.bokfinancial.com/personal/products-and-services/loans-and-lines-of-credit/home-loans/mortgages/jumbo-home-loans)[18](https://www.bokfinancial.com/personal/products-and-services/personal-banking/account-services/online-and-mobile-banking/mobile-access)[19](https://www.bokfinancial.com/wealth/products-and-services/private-banking-and-wealth-management)[20](https://www.bokfinancial.com/wealth/products-and-services/private-banking-and-wealth-management/trust-services)[21](https://www.bokfinancial.com/commercial/commercial-and-institutional-financial-solutions/products-and-services/institutional-services)[22](https://app.finbar.com/go?id=T1002585)[9](https://www.bokfinancial.com/commercial/commercial-and-institutional-financial-solutions/products-and-services/treasury-solutions)[10](https://www.bokfinancial.com/commercial/commercial-and-institutional-financial-solutions/exchange)[12](https://www.bokfinancial.com/personal/products-and-services/personal-banking/checking-accounts)[13](https://www.bokfinancial.com/personal/products-and-services/personal-banking/savings/savings-accounts)[14](https://www.bokfinancial.com/personal/products-and-services/loans-and-lines-of-credit/home-loans/mortgages)[15](https://www.bokfinancial.com/personal/products-and-services/loans-and-lines-of-credit/home-loans/mortgages/conventional-home-loans)[16](https://www.bokfinancial.com/personal/products-and-services/loans-and-lines-of-credit/home-loans/mortgages/fha-loans)[17](https://www.bokfinancial.com/personal/products-and-services/loans-and-lines-of-credit/home-loans/mortgages/jumbo-home-loans)[18](https://www.bokfinancial.com/personal/products-and-services/personal-banking/account-services/online-and-mobile-banking/mobile-access)[19](https://www.bokfinancial.com/wealth/products-and-services/private-banking-and-wealth-management)[20](https://www.bokfinancial.com/wealth/products-and-services/private-banking-and-wealth-management/trust-services)[21](https://www.bokfinancial.com/commercial/commercial-and-institutional-financial-solutions/products-and-services/institutional-services)

## Geographic presence

BOK Financial’s core banking footprint spans eight states: Arizona, Arkansas, Colorado, Kansas, Missouri, New Mexico, Oklahoma, and Texas. Its principal banking markets include Tulsa and Oklahoma City; Dallas, Fort Worth, Houston, and San Antonio; Albuquerque, Denver, Phoenix, and Kansas City. The company also identifies limited-purpose offices in Nebraska, Wisconsin, Connecticut, and Tennessee, outside its eight-state banking-division footprint. Its corporate headquarters are in Tulsa, Oklahoma. [23](https://app.finbar.com/go?id=P145957358)[3](https://app.finbar.com/go?id=P24229298)[24](https://app.finbar.com/go?id=P11194499)[25](https://app.finbar.com/go?id=P48377873)

At Dec. 31, 2025, reported loans by geographic region totaled $25.651 billion: Texas $10.507 billion (about 41.0% of the total), Oklahoma $7.424 billion (28.9%), Colorado $2.929 billion (11.4%), Arizona $2.811 billion (11.0%), Kansas/Missouri $996 million (3.9%), New Mexico $826 million (3.2%), and Arkansas $158 million (0.6%). Percentages are calculated from the reported balances. [26](https://app.finbar.com/go?id=T14062746) The company describes more than 100 locations, and its location directory lists banking locations in its eight-state core footprint. [27](https://www.bokfinancial.com/commercial/what-sets-us-apart)[28](https://locations.bokfinancial.com/)
[23](https://app.finbar.com/go?id=P145957358)[3](https://app.finbar.com/go?id=P24229298)[24](https://app.finbar.com/go?id=P11194499)[25](https://app.finbar.com/go?id=P48377873)[26](https://app.finbar.com/go?id=T14062746)[27](https://www.bokfinancial.com/commercial/what-sets-us-apart)[28](https://locations.bokfinancial.com/)

## Business segments

BOK Financial’s FY2025 report identifies Commercial Banking, Consumer Banking, and Wealth Management as its three reportable segments. Commercial Banking focuses on commercial lending, treasury and cash-management services, customer risk-management products, and TransFund. Consumer Banking covers retail lending and deposits, small-business services through the consumer branch network, and mortgage origination and servicing. Wealth Management includes brokerage and trading, fiduciary, private-bank and investment-advisory services, and underwriting state and municipal securities. [29](https://app.finbar.com/go?id=P58215077)

Based on FY2025 segment operating revenue—net interest income plus other operating revenue—the approximate shares were Commercial Banking 49.9%, Consumer Banking 19.4%, and Wealth Management 30.7%. [30](https://app.finbar.com/go?id=T5741157) By pretax income, the respective shares were approximately 71.8%, 9.4%, and 18.8%; these are shares of the three reportable segments’ combined pretax income. The report separately presents Funds Management and Other. [30](https://app.finbar.com/go?id=T5741157)
[29](https://app.finbar.com/go?id=P58215077)[30](https://app.finbar.com/go?id=T5741157)[30](https://app.finbar.com/go?id=T5741157)[30](https://app.finbar.com/go?id=T5741157)[30](https://app.finbar.com/go?id=T5741157)[30](https://app.finbar.com/go?id=T5741157)[30](https://app.finbar.com/go?id=T5741157)[30](https://app.finbar.com/go?id=T5741157)[30](https://app.finbar.com/go?id=T5741157)[30](https://app.finbar.com/go?id=T5741157)

## Company history

BOK Financial traces its origins to 1910, when Exchange National Bank was founded in Tulsa by Harry Sinclair and other Oklahoma oilmen. The bank began offering trust services in 1918. [31](https://jobs.bokf.com/content/history/) BOK Financial Corporation was formed as a bank holding company in 1991, and the company began expanding beyond Oklahoma in 1994 through acquisitions and mergers, including expansion into Arkansas. [27](https://www.bokfinancial.com/commercial/what-sets-us-apart) [32](https://www.oklahoman.com/story/news/1994/05/13/acquisition-to-put-bok-in-arkansas/62425609007/)

The company continued expanding into neighboring markets, including New Mexico, where it acquired 17 Bank of America branches in 1998. [33](https://www.oklahoman.com/story/news/1998/07/28/bok-financial-corp-announces-acquisition/62274245007/) On October 1, 2018, BOK acquired CoBiz Financial for $944 million, extending its presence in Colorado and Arizona; the companies’ bank operations were subsequently combined. [34](https://app.finbar.com/go?id=P181693243) [35](https://app.finbar.com/go?id=P181694002) [36](https://app.finbar.com/go?id=P181694286) In 2021, BOK announced that Stacy Kymes would succeed Steve Bradshaw as CEO, and Kymes became president and CEO in January 2022. [37](https://investor.bokf.com/news/news-details/2021/BOK-Financial-names-Stacy-Kymes-president-and-CEO/default.aspx)
[34](https://app.finbar.com/go?id=P181693243)[35](https://app.finbar.com/go?id=P181694002)[36](https://app.finbar.com/go?id=P181694286)[31](https://jobs.bokf.com/content/history/)[27](https://www.bokfinancial.com/commercial/what-sets-us-apart)[32](https://www.oklahoman.com/story/news/1994/05/13/acquisition-to-put-bok-in-arkansas/62425609007/)[33](https://www.oklahoman.com/story/news/1998/07/28/bok-financial-corp-announces-acquisition/62274245007/)[37](https://investor.bokf.com/news/news-details/2021/BOK-Financial-names-Stacy-Kymes-president-and-CEO/default.aspx)

## Sources

1. [BOK FINANCIAL CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P71435625)
2. [BOK FINANCIAL CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P116785077)
3. [BOK FINANCIAL CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P24229298)
4. [BOK FINANCIAL CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P56527540)
5. [www.bokfinancial.com](https://www.bokfinancial.com/about-us/corporate-responsibility)
6. [BOK FINANCIAL CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P112536801)
7. [BOK FINANCIAL CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P75580199)
8. [BOK FINANCIAL CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P62996026)
9. [www.bokfinancial.com](https://www.bokfinancial.com/commercial/commercial-and-institutional-financial-solutions/products-and-services/treasury-solutions)
10. [www.bokfinancial.com](https://www.bokfinancial.com/commercial/commercial-and-institutional-financial-solutions/exchange)
11. [BOK FINANCIAL CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P43649417)
12. [www.bokfinancial.com](https://www.bokfinancial.com/personal/products-and-services/personal-banking/checking-accounts)
13. [www.bokfinancial.com](https://www.bokfinancial.com/personal/products-and-services/personal-banking/savings/savings-accounts)
14. [www.bokfinancial.com](https://www.bokfinancial.com/personal/products-and-services/loans-and-lines-of-credit/home-loans/mortgages)
15. [www.bokfinancial.com](https://www.bokfinancial.com/personal/products-and-services/loans-and-lines-of-credit/home-loans/mortgages/conventional-home-loans)
16. [www.bokfinancial.com](https://www.bokfinancial.com/personal/products-and-services/loans-and-lines-of-credit/home-loans/mortgages/fha-loans)
17. [www.bokfinancial.com](https://www.bokfinancial.com/personal/products-and-services/loans-and-lines-of-credit/home-loans/mortgages/jumbo-home-loans)
18. [www.bokfinancial.com](https://www.bokfinancial.com/personal/products-and-services/personal-banking/account-services/online-and-mobile-banking/mobile-access)
19. [www.bokfinancial.com](https://www.bokfinancial.com/wealth/products-and-services/private-banking-and-wealth-management)
20. [www.bokfinancial.com](https://www.bokfinancial.com/wealth/products-and-services/private-banking-and-wealth-management/trust-services)
21. [www.bokfinancial.com](https://www.bokfinancial.com/commercial/commercial-and-institutional-financial-solutions/products-and-services/institutional-services)
22. [BOK FINANCIAL CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=T1002585)
23. [BOK FINANCIAL CORP — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P145957358)
24. [BOK FINANCIAL CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P11194499)
25. [BOK FINANCIAL CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P48377873)
26. [BOK FINANCIAL CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=T14062746)
27. [www.bokfinancial.com](https://www.bokfinancial.com/commercial/what-sets-us-apart)
28. [locations.bokfinancial.com](https://locations.bokfinancial.com/)
29. [BOK FINANCIAL CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P58215077)
30. [BOK FINANCIAL CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=T5741157)
31. [jobs.bokf.com](https://jobs.bokf.com/content/history/)
32. [www.oklahoman.com](https://www.oklahoman.com/story/news/1994/05/13/acquisition-to-put-bok-in-arkansas/62425609007/)
33. [www.oklahoman.com](https://www.oklahoman.com/story/news/1998/07/28/bok-financial-corp-announces-acquisition/62274245007/)
34. [BOK FINANCIAL CORP — Full financial report (2018 Y)](https://app.finbar.com/go?id=P181693243)
35. [BOK FINANCIAL CORP — Full financial report (2018 Y)](https://app.finbar.com/go?id=P181694002)
36. [BOK FINANCIAL CORP — Full financial report (2018 Y)](https://app.finbar.com/go?id=P181694286)
37. [investor.bokf.com](https://investor.bokf.com/news/news-details/2021/BOK-Financial-names-Stacy-Kymes-president-and-CEO/default.aspx)

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