Company: BOKF
Filing Date: 2025-10-29
Form Type: 10-Q
Source: 0000875357-25-000057
Chunk: 15

Company: BOK FINANCIAL CORP
Filing Date: 2025-10-29
Form: 10-Q
Item: Part I, Item 2
Chunk 15
---
 (15,946)                        (8)       591,620        687,599      (95,979)  
  Funds Management and other      (14,328)      (26,098)        11,770                        N/A      (79,511)      (196,389)       116,878  
  BOK Financial Corporation        176,585       180,761       (4,176)                        (2)       512,109        491,210        20,899  

Certain percentage increases (decreases) are not meaningful for comparison purposes.

- 13 -

Commercial Banking

Commercial Banking contributed $139.8 million to consolidated net income before taxes in the third quarter of 2025, a decrease of $1.5 million, or 1%, over the second quarter of 2025.

Table 9 - Commercial Banking

(Dollars in thousands)

                                                                                                                                                            %  
                                                                                                                                                     Increase  
                                                                                                                                                   (Decrease)  
 ───────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────
  Net interest income from external sources               239,835         235,765        4,070         707,023         834,275      (127,252)            (15)  
  Net interest expense from internal sources             (60,638)        (59,939)                    (173,742)       (218,914)         45,172              21  
  Net interest income                                     179,197         175,826        3,371         533,281         615,361       (82,080)            (13)  
  Net loans charged off                                     2,609                        2,580           2,786           8,965        (6,179)            (69)  
  Net interest income after net loans charged off         176,588         175,797                      530,495         606,396       (75,901)            (13)  
  Other operating revenue                                  61,745          64,432      (2,687)         181,698         164,359         17,339              11  
  Personnel expense                                        51,638          49,774        1,864         150,621         141,401          9,220               7  
  Non-personnel expense                                    29