Company: BOKF
Filing Date: 2025-10-29
Form Type: 10-Q
Source: 0000875357-25-000057
Chunk: 34

Company: BOK FINANCIAL CORP
Filing Date: 2025-10-29
Form: 10-Q
Item: Part I, Item 2
Chunk 34
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 12% from equity. The loan to deposit ratio was 65% at September 30, 2025, compared to 64% at June 30, 2025, providing significant on-balance sheet liquidity to meet future loan demand and contractual obligations.

Subsidiary Bank

Deposits and borrowed funds are the primary sources of liquidity for BOKF, NA, the wholly owned subsidiary bank of BOK Financial. We compete for retail and commercial deposits by offering a broad range of products and services and focusing on customer convenience. Retail deposit growth is supported through personal and small business checking, online bill paying services, mobile banking services, an extensive network of branch locations and ATMs, and our ExpressBank call center. Commercial deposit growth is supported by offering treasury management and lockbox services. We also acquire brokered deposits when the cost of funds is advantageous to other funding sources.

Table 19 - Average Deposits by Segment

(In thousands)

                                  Three Months Ended                                                                                                     
                                  Sep. 30, 2025                           June 30, 2025                                                                  
 ─────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────
  Commercial Banking              $                       18,161,258      $                  17,424,707      17,769,083      17,941,793      17,131,237  
  Consumer Banking                                         8,330,481                          8,266,824       8,154,762       8,197,577       8,136,312  
  Wealth Management                                       10,731,569                         10,783,245      10,702,521       9,983,232       9,837,888  
  Subtotal                                                37,223,308                         36,474,776      36,626,366      36,122,602      35,105,437  
  Funds Management and other                               1,257,938                          1,661,940       1,732,712       1,696,512       1,654,860  
  Total                           $                       38,481,246      $                  38,136,716      38,359,078      37,819,114      36,760,297  

Average deposits for the third quarter of 2025 totaled $38.5 billion, reflecting a $345 million increase over the second quarter