Company: BOKF
Filing Date: 2025-10-29
Form Type: 10-Q
Source: 0000875357-25-000057
Chunk: 16

Company: BOK FINANCIAL CORP
Filing Date: 2025-10-29
Form: 10-Q
Item: Part I, Item 2
Chunk 16
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 section of Management's Discussion and Analysis of Financial Condition and Results of Operations following for additional discussion of changes in commercial and commercial real estate loans, which are primarily attributed to the Commercial Banking segment.

Average deposits attributed to Commercial Banking grew by $737 million, or 4%, over the second quarter of 2025, to $18.2 billion. See Management's Discussion and Analysis of Financial Condition and Results of Operations - Liquidity and Capital for further discussion of changes.

- 14 -

Consumer Banking

Consumer Banking provides retail banking services through four primary distribution channels: traditional branches, the 24-hour ExpressBank call center, internet banking, and mobile banking. Consumer Banking also conducts mortgage banking activities through offices located outside of our Consumer Banking markets.

Consumer Banking contributed $14.5 million to consolidated net income before taxes for the third quarter of 2025, compared to $24.7 million in the second quarter of 2025.

Table 10 - Consumer Banking

(Dollars in thousands)

                                                                                                                                                        %  
                                                                                                                                                 Increase  
                                                                                                                                               (Decrease)  
 ───────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────
  Net interest income from external sources               16,141         13,463         2,678         38,344         19,291        19,053              99  
  Net interest income from internal sources               42,310         44,651       (2,341)        135,473        175,271      (39,798)            (23)  
  Net interest income                                     58,451         58,114                      173,817        194,562      (20,745)            (11)  
  Net loans charged off                                    1,413          1,018                        3,948          4,834                          (18)  
  Net interest income after net loans charged off         57,038         57,096                      169,869        189,728      (19,859)            (10)  
  Other operating revenue                                 35,820         38,165       (2,345)        113,043        106,132         6,911               7  
  Personnel expense                                       25,681         25,527                       77,045         73,868         3,177               4  
  Non-personnel expense                                   38,361