Company: BOKF
Filing Date: 2025-04-30
Form Type: 10-Q
Source: 0000875357-25-000027
Chunk: 37

Company: BOK FINANCIAL CORP
Filing Date: 2025-04-30
Form: 10-Q
Item: Part I, Item 2
Chunk 37
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 The capital standards are also subject to qualitative judgments by the regulators.

A summary of minimum capital requirements, including a capital conservation buffer, follows in Table 22. A bank which falls below these levels, including the capital conservation buffer, would be subject to regulatory restrictions on capital distributions (including, but not limited to, dividends and share repurchases) and executive bonus payments.

Capital and other performance ratios for BOK Financial on a consolidated basis are presented in Table 22.

Table 22 - Capital and Performance Ratios

                                                  Minimum Capital Requirement      Capital Conservation Buffer      Minimum Capital Requirement Including Capital Conservation Buffer           Mar. 31, 2025      Dec. 31, 2024      Mar. 31, 2024  
 ─────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────
  Capital:                                                                                                                                                                                                                                           
  Common equity Tier 1                                                   4.50                             2.50                                                                   7.00                   13.31              13.03              11.99  
  Tier 1 capital                                                         6.00                             2.50                                                                   8.50                   13.31              13.04              12.00  
  Total capital                                                          8.00                             2.50                                                                  10.50                   14.54              14.21              13.15  
  Tier 1 leverage                                                        4.00                              N/A                                                                   4.00                   10.02               9.97               9.42  
                                                                                                                                                                                           Three Months Ended                                        
                                                                                                                                                                                                Mar. 31, 2025      Dec. 31, 2024      Mar. 31, 2024  
  Average total equity to average assets                                                                                                                                                                11.10              11.02              10.30  
  Tangible common equity ratio 1                                                                                                                                                                         9.48               9.17               8.21  
  Adjusted common tangible equity ratio 1                                                                                                                                                                9.23               8.86               7.92  
  Performance Ratios:                                                                                                                                                                                                                                
  Return on average equity                                                                                                                                                                               8.59               9.71               6.53  
  Return on average tangible common equity 1                                                                                                                                                            10.63              12.09               8.31  

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

Off-Balance