Company: BOKF
Filing Date: 2025-02-19
Form Type: 10-K
Source: 0000875357-25-000013
Chunk: 85

Company: BOK FINANCIAL CORP
Filing Date: 2025-02-19
Form: 10-K
Item: Item 8
Chunk 85
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 operations. These capital requirements include quantitative measures of assets, liabilities and certain off-balance sheet items. The capital standards are also subject to qualitative judgments by the regulators.

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A bank falling below the minimum capital requirements, 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. For a banking institution to qualify as well capitalized, Common Equity Tier 1, Tier 1, Total, and Leverage capital ratios must be at least 6.5%, 8%, 10%, and 5%, respectively. Tier 1 capital consists primarily of common stockholders' equity, excluding unrealized gains or losses on available for sale securities, less goodwill, core deposit premiums, and certain other intangible assets. Total capital consists primarily of Tier 1 capital plus preferred stock, subordinated debt, and allowances for credit losses, subject to certain limitations. The subsidiary bank exceeded the regulatory definition of well capitalized as of December 31, 2024 and December 31, 2023.A summary of regulatory capital minimum requirements and levels follows (dollars in thousands):Minimum Capital RequirementCapital Conservation BufferMinimum Capital Requirement Including Capital Conservation BufferWell Capitalized Bank RequirementDecember 31, 2024December 31, 2023Common Equity Tier 1 Capital (to Risk Weighted Assets):Consolidated4.50%2.50%7.00%N/A$4,992,810 13.03 %$4,683,510 12.06 %BOKF, NA4.50%N/A4.50%6.50%4,615,811 12.23 %4,370,891 11.37 %Tier 1 Capital (to Risk Weighted Assets):Consolidated6.00%2.50%8.50%N/A$4,995,414 13.04 %$4,686,487 12.07 %BOKF, NA6.00%N/A6.00%8.00%4,615,811 12.23 %4,370,891 11.37 %Total Capital (to Risk Weighted Assets):  Consolidated8.00%2.50%10.50%N/A$5,445,399 14.21 %$5,110,471 13.16 %BOKF, NA8.00%