Company: BOKF
Filing Date: 2025-10-29
Form Type: 10-Q
Source: 0000875357-25-000057
Chunk: 33

Company: BOK FINANCIAL CORP
Filing Date: 2025-10-29
Form: 10-Q
Item: Part I, Item 2
Chunk 33
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 $                         22,173        46,725      $                                               48,979  
  Additions                                                                                  31,370                                18,501        53,144      —                                               53,144  
  Payments                                                                                  (7,219)                               (4,885)      (18,347)      —                                             (18,347)  
  Charge-offs                                                                               (4,277)                               (3,549)       (7,952)      —                                              (7,952)  
  Net gains (losses) and write-downs                                —                                    —                                                   796                                                     
  Foreclosure of nonperforming loans                                —                                    (156)                                               156                                                     
  Foreclosure of loans guaranteed by U. S. government agencies      —                                    (801)                                               —                                                       
  Proceeds from sales                                               —                                    —                                                                                                  (1,455)  
  Net transfers to nonaccruing loans                                —                                                               2,446         2,446      —                                                2,446  
  Return to accrual status                                                                  (2,251)      (414)                                  (2,665)      —                                              (2,665)  
  Balance, September 30, 2025                                       $                        32,270      $                         33,315        72,394      $                                               74,145  

We foreclose on loans guaranteed by U. S. government agencies in accordance with agency guidelines. Generally, these loans are not eligible for modification programs or have failed to comply with modified loan terms. Principal is guaranteed by agencies of the U. S. government, subject to limitations, and credit risk is limited. At foreclosure, these amounts are transferred to claims receivable accounts. These properties will be conveyed to the agencies once applicable criteria have been met.

Real Estate and Other Repossessed Assets

Real estate and other repossessed assets totaled $1.8 million at September 30, 2025, largely unchanged compared to June 30, 2025. Real estate and other repossessed assets were composed primarily of $1.6 million of developed commercial real estate.

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Liquidity and Capital

Our funding sources, which primarily include deposits and borrowings from the Federal Home Loan Banks and other banks, provide adequate liquidity to meet our operating needs. Based on the average balances for the third quarter of 2025, approximately 74% of our funding was provided by deposit accounts, 11% from borrowed funds, and