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BOKF, National Association
Tulsa, OK·FDIC Cert #4214·Charter: OCC·Est. 19100210.0·HC: BOK FINANCIAL CORP
Total Assets
$52.0B
Q4 2025
Return on Assets
1.10%
+0.03%Peer avg: 1.17%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
64.16%
Peer avg: 51.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.10%+0.03
ROE
10.32%+0.34
Efficiency
64.16%-0.86
Equity/Assets
0.00%+0.00
NPL Ratio
0.59%+0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
64.07%+0.52
Charge-offs
0.03%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 1.0 | 1.0 | 1.1 | 1.0 | 1.1 | 1.1 | 1.1 |
| ROE | 7.4 | 10.5 | 10.5 | 10.6 | 9.5 | 10.0 | 10.0 | 10.3 |
| Efficiency | 64.1 | 64.0 | 64.0 | 63.9 | 66.0 | 64.9 | 65.0 | 64.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.6 | 0.5 | 0.4 | 0.7 | 0.6 | 0.5 | 0.6 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 67.0 | 66.6 | 63.3 | 61.9 | 60.7 | 62.5 | 63.6 | 64.1 |
Balance Sheet
Total Assets$52.0B
Total Deposits$39.7B
Total Loans$25.4B
Total Equity$5.5B
Profitability
ROA1.10%
ROE10.32%
Efficiency Ratio64.16%
Net Income$554.4M
Risk & Asset Quality
NPL Ratio0.59%
Charge-off Rate0.03%
Loan/Deposit64.07%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans