Company: BOKF
Filing Date: 2025-10-29
Form Type: 10-Q
Source: 0000875357-25-000057
Chunk: 39

Company: BOK FINANCIAL CORP
Filing Date: 2025-10-29
Form: 10-Q
Item: Part I, Item 2
Chunk 39
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────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────
  Capital:                                                                                                                                                                                                                                           
  Common equity Tier 1                                                   4.50                             2.50                                                                   7.00                   13.60              13.59              12.73  
  Tier 1 capital                                                         6.00                             2.50                                                                   8.50                   13.61              13.60              12.74  
  Total capital                                                          8.00                             2.50                                                                  10.50                   14.48              14.48              13.91  
  Tier 1 leverage                                                        4.00                              N/A                                                                   4.00                   10.19               9.88               9.67  
                                                                                                                                                                                           Three Months Ended                                        
                                                                                                                                                                                                Sep. 30, 2025      June 30, 2025      Sep. 30, 2024  
  Average total equity to average assets                                                                                                                                                                11.54              11.08              10.65  
  Tangible common equity ratio 1                                                                                                                                                                        10.06               9.63               9.22  
  Performance Ratios:                                                                                                                                                                                                                                
  Return on average equity                                                                                                                                                                               9.38               9.70              10.22  
  Return on average tangible common equity 1                                                                                                                                                            11.46              11.94              12.80  

1 See Explanation and Reconciliation of Non-GAAP Measures following.

Off-Balance Sheet Arrangements

See Note 4 to the Consolidated Financial Statements for a discussion of the Company's significant off-balance sheet commitments.

- 34 -

Explanation and Reconciliation of Non-GAAP Measures

Table 23 provides a reconciliation of the non-GAAP measures with financial measures defined by GAAP.

Table 23 - Non-GAAP Measures

(Dollars in thousands)

                                                                         Sep. 30, 2025                                                                      Sep. 30, 2024                  
 ───────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────
  Reconciliation of tangible common equity ratio:                                                                                                                                          
  Total shareholders' equity                                             $                   6,022,535       5,890,888       5,771,813       5,548,353      $                   5,612,443