Company: BOKF
Filing Date: 2025-07-30
Form Type: 10-Q
Source: 0000875357-25-000045
Chunk: 33

Company: BOK FINANCIAL CORP
Filing Date: 2025-07-30
Form: 10-Q
Item: Part I, Item 2
Chunk 33
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 deposit balances, a $101 million decrease in interest-bearing transaction balances, and a $23 million decrease in certificate of deposit balances. Our Commercial deposit portfolio is highly diversified across industries and customers. The highest concentration by industry within our Commercial deposit portfolio is our energy customers representing 9% of our total deposits.

Average Consumer Banking deposit balances increased $112 million over the prior quarter. Demand deposit balances increased $48 million and interest-bearing transaction account balances increased $45 million. Interest-bearing savings account balances were up $12 million over the prior quarter and certificate of deposits balances were largely unchanged.

Average Wealth Management deposits increased $81 million over the first quarter of 2025. Interest-bearing transaction account balances increased $100 million and demand deposit balances increased $28 million. Time deposit balances decreased $43 million.

Average brokered deposits were 4% of total average deposits during the second quarter of 2025. Excluding the reciprocal component, brokered deposits represented 0.3% of total deposits. Reciprocal deposit balances in excess of the $5 billion general threshold defined by the FDIC are included as brokered deposits. Average interest-bearing transaction accounts for the second quarter included $1.7 billion of brokered deposits, a $262 million decrease compared to the first quarter of 2025. Average time deposits for the second quarter of 2025, included $41 million of brokered deposits, a $26 million increase over the first quarter of 2025. Period end brokered time deposits increased $29 million to $44 million and brokered interest-bearing transaction accounts were largely unchanged at June 30, 2025.

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The distribution of our period end deposit account balances among principal markets follows in Table 20.

Table 20 - Period End Deposits by Principal Market Area

(In thousands)

 ──────────────────────────────────────────────────────────────────────────────────────────────────────────
  Oklahoma:                                                                                               
  Demand                       3,589,146       3,629,708       3,618,771       3,491,996       3,721,009  
  Interest-bearing:                                                                                       
  Transaction                 13,537,068      13,891,707      13,352,732      12,474,626      12,115,793  
  Savings                        521,734         525,424         497,443         490,957         496,289  
  Time                         2,166,094       2,089