# EDGAR Filing Document

**Accession Number:** 0000875357
**File Stem:** 0000875357-26-000031
**Filing Date:** 2026-4
**Character Count:** 117680
**Document Hash:** 95f541f262afbdaac7131c3d9d7a3e86
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000875357-26-000031.hdr.sgml**: 20260420

**ACCESSION NUMBER**: 0000875357-26-000031

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 36

**CONFORMED PERIOD OF REPORT**: 20260420

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260420

**DATE AS OF CHANGE**: 20260420

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** BOK FINANCIAL CORP
- **CENTRAL INDEX KEY:** 0000875357
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 731373454
- **STATE OF INCORPORATION:** OK
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-37811
- **FILM NUMBER:** 26875022

**BUSINESS ADDRESS:**
- **STREET 1:** BANK OF OKLAHOMA TOWER
- **STREET 2:** BOSTON AVENUE AT SECOND STREET
- **CITY:** TULSA
- **STATE:** OK
- **ZIP:** 74172
- **BUSINESS PHONE:** 9185886000

**MAIL ADDRESS:**
- **STREET 1:** BANK OF OKLAHOMA TOWER
- **STREET 2:** P O BOX 2300
- **CITY:** TULSA
- **STATE:** OK
- **ZIP:** 74192

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BOK FINANCIAL CORP ET AL
- **DATE OF NAME CHANGE:** 19950626

?xml version='1.0' encoding='ASCII'? bokf-20260420

**UNITED STATES** 

**SECURITIES AND EXCHANGE COMMISSION** 

Washington, DC 20549

**FORM 8-K** 

**CURRENT REPORT** 

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934** 

Date of Report (Date of earliest event reported):

April 20, 2026

**Commission File No. 001-37811** 

**BOK FINANCIAL CORP** 

**(Exact name of registrant as specified in its charter)**

---

| | | |
|:---|:---|:---|
| Oklahoma | Oklahoma | 73-1373454 |
| **(State or other jurisdiction<br>of Incorporation or Organization)** | **(State or other jurisdiction<br>of Incorporation or Organization)** | **(IRS Employer<br>Identification No.)** |
| Bank of Oklahoma Tower | Bank of Oklahoma Tower | |
| Boston Avenue at Second Street | Boston Avenue at Second Street | |
| Tulsa, | Oklahoma | 74172 |
| **(Address of Principal Executive Offices)** | **(Address of Principal Executive Offices)** | **(Zip Code)** |

---

(918) 588-6000

**(Registrant's telephone number, including area code)**

N/A

**__________________________________________** 

(Former name or former address, if changes since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425).

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12).

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)).

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)).

---

| | | |
|:---|:---|:---|
| **Securities registered pursuant to Section 12(b) of the Act:** | **Securities registered pursuant to Section 12(b) of the Act:** | **Securities registered pursuant to Section 12(b) of the Act:** |
| Title of each class | Trading Symbol | Name of each exchange on which registered |
| Common Stock, par value $0.00006 per share | BOKF | Nasdaq Stock Market |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

☐ Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ◻

------

INFORMATION TO BE INCLUDED IN THE REPORT

ITEM 2.02. Results of Operations and Financial Condition.

On April 20, 2026, BOK Financial Corporation ("BOK Financial") issued a press release announcing its financial results for the three months ended March 31, 2026 ("Press Release"). The full text of the Press Release is attached as Exhibit 99.1(a) to this report and is incorporated herein by reference. On April 20, 2026, in connection with the issuance of the Press Release, BOK Financial released financial information related to the three months ended March 31, 2026 ("Financial Information"), which includes certain historical financial information relating to BOK Financial. The Financial Information is attached as Exhibit 99.1(b) to this report and is incorporated herein by reference.

ITEM 7.01. Regulation FD Disclosure.

On April 20, 2026, in connection with the issuance of the Press Release, BOK Financial released financial information related to the three months ended March 31, 2026 ("Financial Information"), which includes certain historical financial information relating to BOK Financial. The Financial Information is attached as Exhibit 99.2(a) to this report and is incorporated herein by reference.

ITEM 9.01. Financial Statements and Exhibits.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;&nbsp;&nbsp;&nbsp;Exhibits

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.1&nbsp;&nbsp;&nbsp;&nbsp;<u>[Text of Press Release, dated](a20260331bokfex99.htm)[April 20](a20260331bokfex99.htm)[, 2026, titled "BOK Financial Corporation reports](a20260331bokfex99.htm)[quarterly](a20260331bokfex99.htm)[earnings of $](a20260331bokfex99.htm)[156](a20260331bokfex99.htm)[million, or](a20260331bokfex99.htm)[$](a20260331bokfex99.htm)[2.58](a20260331bokfex99.htm)[per share,](a20260331bokfex99.htm)[in the](a20260331bokfex99.htm)[first](a20260331bokfex99.htm)[quarter" and Financial Information for the Three Months](a20260331bokfex99.htm)[Ended](a20260331bokfex99.htm)[March](a20260331bokfex99.htm)[31, 202](a20260331bokfex99.htm)[6](a20260331bokfex99.htm)[.](a20260331bokfex99.htm)</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.2&nbsp;&nbsp;&nbsp;&nbsp;<u>[Earnings conference call presentation, dated](a20260331bokfearningscal.htm)[April 21](a20260331bokfearningscal.htm)[, 2026, titled "Q](a20260331bokfearningscal.htm)[1](a20260331bokfearningscal.htm)[Earnings Conference Call" for the Three Months](a20260331bokfearningscal.htm)[Ended](a20260331bokfearningscal.htm)[March 31](a20260331bokfearningscal.htm)[, 202](a20260331bokfearningscal.htm)[6](a20260331bokfearningscal.htm)[.](a20260331bokfearningscal.htm)</u>

104&nbsp;&nbsp;&nbsp;&nbsp;Cover Page Interactive Data File (embedded within the Inline XBRL document).

**Signature**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;BOK FINANCIAL CORPORATION

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By: <u>/s/ Martin E. Grunst&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Martin E. Grunst

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Executive Vice President

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Chief Financial Officer

Date: April 20, 2026

## Exhibit 99.1

![pressreleaseheader.jpg](pressreleaseheader.jpg)

**BOK Financial Corporation reports quarterly earnings of $156 million, or $2.58 per share, in the first quarter.**

---

| | |
|:---|:---|
| **First quarter 2026 financial highlights**<sup>1</sup> | **First quarter 2026 financial highlights**<sup>1</sup> |
| **Net Income** | Net income was $155.8 million, or $2.58 per diluted share, compared to $177.3 million, or $2.89 per diluted share. Excluding the gain recognized on the sale of a merchant banking investment and the FDIC special assessment benefit, net income would have been $152.1 million, or $2.48 per diluted share, in the fourth quarter of 2025.<sup>2</sup>  |
| **Net Interest Income & Margin** | Net interest income totaled $342.6 million, a decrease of $2.7 million. Net interest margin was 2.90% for the first quarter compared to 2.98% in the prior quarter.  |
| **Fees & Commissions Revenue** | Fees and commissions revenue was $209.8 million, a decrease of $5.1 million, led by lower investment banking revenue due to seasonality and volume of transactions. |
| **Operating Expense** | Operating expense decreased $6.9 million to $354.2 million. Excluding the FDIC special assessment benefit from the fourth quarter of 2025, operating expense decreased $16.4 million. Personnel expense decreased $11.6 million and non-personnel expense decreased $4.8 million, reflecting our continued focus on managing our core cost structure. |
| **Loans** | Period end loans grew by $536 million, to $26.2 billion, with broad-based growth across the loan portfolio, led by general business, energy, and multifamily commercial real estate loans. Average outstanding loan balances were $25.9 billion, a $683 million increase.  |
| **Credit Quality** | Nonperforming assets declined to $60 million, or 0.23% of outstanding loans and repossessed assets, at March 31, 2026, from $75 million, or 0.29%, at December 31, 2025. Net charge-offs for the first quarter were $1.9 million, or 0.03% of average loans on an annualized basis. |
| **Deposits** | Period end deposits decreased $758 million to $38.7 billion and average deposits decreased $1.0 billion to $39.0 billion. Average interest-bearing deposits decreased $692 million and average demand deposits decreased by $315 million. The loan to deposit ratio was 68% at March 31, 2026, compared to 65% at December 31, 2025. |
| **Capital** | Tangible common equity ratio<sup>2</sup> was 9.29% compared to 9.46% at December 31, 2025. Tier 1 capital ratio was 12.61%, common equity Tier 1 capital ratio was 12.61%, and total capital ratio was 14.39%. No shares of common stock were repurchased in the first quarter of 2026. |

---

---

| | | | |
|:---|:---|:---|:---|
| ▲ | **$536 million** | **3 bps**  | **$123.6 billion** |
|  | **LOAN GROWTH** | **NET CHARGE-OFFS (TTM)** | **AUMA** |

---

**CEO Commentary**

Stacy Kymes, President and CEO, stated, "Our first quarter performance reflects disciplined execution and exceptional teamwork across the organization, driven by core operating results. Loan growth exceeded 10% over the last 12 months with diverse growth across sectors and geographies, while credit quality remained excellent. During the quarter, our fee-based businesses demonstrated resilience in a volatile market environment, with fee revenue exceeding three of the past four quarters. Expenses declined meaningfully, reflecting our continued focus on managing our core cost structure. We're off to a strong start and well positioned for growth as the year progresses."

<sup>1</sup> Comparisons are to the prior quarter unless otherwise noted.**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

<sup>2</sup> See Explanation and Reconciliation of Non-GAAP Measures - Unaudited section following.

------

 <br> <br> <u>BOK Financial Corporation quarterly earnings release</u> <u>Exhibit 99.1(a)</u>

**Net Interest Income**

---

| | | | | |
|:---|:---|:---|:---|:---|
| *(Dollars in thousands)* | **Mar. 31, 2026** | Dec. 31, 2025 | Change | % Change |
| **Tax-equivalent interest revenue** |  |  |  |  |
| Interest-bearing cash and cash equivalents | $**5133** | $5302 | $(169) | (3.2)% |
| Trading securities | **64588** | 63296 | 1292 | 2.0% |
| Investment securities | **6149** | 6381 | (232) | (3.6)% |
| Available-for-sale securities | **133963** | 134440 | (477) | (0.4)% |
| Fair value option securities | **1389** | 913 | 476 | 52.1% |
| Restricted equity securities | **6681** | 4522 | 2159 | 47.7% |
| Residential mortgage loans held for sale | **1056** | 1349 | (293) | (21.7)% |
| Loans | **399576** | 412170 | (12594) | (3.1)% |
| &nbsp;&nbsp;Total tax-equivalent interest revenue | $**618535** | $628373 | $(9838) | (1.6)% |
| **Interest expense** |  |  |  |  |
| *Interest-bearing deposits:* |  |  |  |  |
| &nbsp;&nbsp;Transaction | $**175802** | $199008 | $(23206) | (11.7)% |
| &nbsp;&nbsp;Savings | **1162** | 1163 | (1) | (0.1)% |
| &nbsp;&nbsp;Time | **32234** | 34252 | (2018) | (5.9)% |
| &nbsp;&nbsp;Total interest-bearing deposits | **209198** | 234423 | (25225) | (10.8)% |
| Funds purchased and repurchase agreements | **6600** | 10360 | (3760) | (36.3)% |
| Other borrowings | **51482** | 32032 | 19450 | 60.7% |
| Subordinated debentures | **6091** | 3722 | 2369 | 63.6% |
| &nbsp;&nbsp;Total interest expense | **273371** | 280537 | (7166) | (2.6)% |
| **Tax-equivalent net interest income** | **345164** | 347836 | (2672) | (0.8)% |
| Less: Tax-equivalent adjustment | **2610** | 2555 | 55 | 2.2% |
| **Net interest income** | $**342554** | $345281 | $(2727) | (0.8)% |
| Net interest margin | **2.90%** | 2.98% | (0.08)% | N/A |
| Average earning assets | $**47772044** | $46590610 | $1181434 | 2.5% |
| Average trading securities | **5617531** | 5295598 | 321933 | 6.1% |
| Average investment securities | **1747860** | 1804984 | (57124) | (3.2)% |
| Average available-for-sale securities | **13614473** | 13564939 | 49534 | 0.4% |
| Average fair value option securities | **126772** | 72229 | 54543 | 75.5% |
| Average restricted equity securities | **361514** | 250430 | 111084 | 44.4% |
| Average loans balance | **25925585** | 25242551 | 683034 | 2.7% |
| Average interest-bearing deposits | **31286311** | 31978527 | (692216) | (2.2)% |
| Average funds purchased and repurchase agreements | **924228** | 1185566 | (261338) | (22.0)% |
| Average other borrowings | **5349061** | 3008388 | 2340673 | 77.8% |
| Average subordinated debentures | **396606** | 241482 | 155124 | 64.2% |

---

Net interest income was $342.6 million for the first quarter of 2026, a decrease of $2.7 million compared to the prior quarter. Net interest margin declined to 2.90% from 2.98%. For the first quarter of 2026, our core net interest margin excluding trading activities<sup>1</sup>, a non-GAAP measure, decreased 7 basis points to 3.15% compared to 3.22% in the prior quarter.

<sup>1</sup> See Explanation and Reconciliation of Non-GAAP Measures - Unaudited section following**.&nbsp;&nbsp;&nbsp;&nbsp;**

**&nbsp;&nbsp;&nbsp;&nbsp;**2

------

 <br> <br> <u>BOK Financial Corporation quarterly earnings release</u> <u>Exhibit 99.1(a)</u>

Average earning assets increased $1.2 billion. Average loan balances increased $683 million, with broad-based growth across the loan portfolio. Average trading securities increased $322 million and restricted equity securities increased $111 million. Average interest-bearing deposits decreased $692 million, primarily from interest-bearing transaction accounts. Average funds purchased and repurchase agreements decreased $261 million, while average other borrowings increased $2.3 billion. Average subordinate debentures increased $155 million, driven by the full quarter impact of the subordinated debt issued in the fourth quarter.

The yield on average earning assets was 5.23%, a 13 basis point decrease compared to the prior quarter. The loan portfolio yield decreased 23 basis points to 6.25%. The yield on trading securities decreased 19 basis points to 4.64%, while the yield on restricted equity securities increased 17 basis points to 7.39%.

Funding costs were 2.92%, down 14 basis points. The cost of interest-bearing deposits decreased 20 basis points to 2.71%. The cost of funds purchased and repurchase agreements decreased 57 basis points to 2.90%, while the cost of other borrowings decreased 32 basis points to 3.90%. The benefit to net interest margin from assets funded by non-interest bearing liabilities was 59 basis points, a decrease of 9 basis points.

**Other Operating Revenue**

---

| | | | | |
|:---|:---|:---|:---|:---|
| *(Dollars in thousands)* | **Mar. 31, 2026** | Dec. 31, 2025 | Change | % Change |
| Brokerage and trading revenue | $**43606** | $47310 | $(3704) | (7.8)% |
| Transaction card revenue | **31965** | 31564 | 401 | 1.3% |
| Fiduciary and asset management revenue | **66481** | 68347 | (1866) | (2.7)% |
| Deposit service charges and fees | **32218** | 32039 | 179 | 0.6% |
| Mortgage banking revenue | **20963** | 19013 | 1950 | 10.3% |
| Other revenue | **14544** | 16591 | (2047) | (12.3)% |
| &nbsp;&nbsp;&nbsp;**Total fees and commissions** | **209777** | 214864 | (5087) | (2.4)% |
| Other gains (losses), net | **(216)** | 28078 | (28294) | N/A |
| Loss on derivatives, net | **(4374)** | (2366) | (2008) | N/A |
| Gain (loss) on fair value option securities, net | **(2074)** | 551 | (2625) | N/A |
| Change in fair value of mortgage servicing rights | **8155** | 1407 | 6748 | N/A |
| Gain on available-for-sale securities, net | **—** | 1748 | (1748) | N/A |
| &nbsp;&nbsp;&nbsp;**Total other operating revenue** | $**211268** | $244282 | $(33014) | (13.5)% |

---

Fees and commissions revenue totaled $209.8 million for the first quarter of 2026, decreasing $5.1 million compared to the prior quarter.

Brokerage and trading revenue decreased $3.7 million to $43.6 million. Investment banking revenue decreased $4.1 million driven by lower syndication fees and municipal underwriting activity, primarily due to seasonality and volume of transactions. Trading fees and commissions revenue decreased $1.6 million, primarily due to a shift from fee revenue to net interest income on trading securities. Customer hedging revenue grew $1.1 million, as our energy customers increased hedging activity in response to the rapid rise in crude oil prices during the quarter.

Other revenue decreased $2.0 million, largely due to a reduction in fees earned on derivative counterparty margin.

Fiduciary and asset management revenue decreased $1.9 million as the prior quarter included transaction-related fees that did not recur in the current quarter.

Mortgage banking revenue increased $2.0 million due to an increase in mortgage production volumes and higher refinancing activity.

Transaction card revenue and deposit service charges and fees were both consistent with the prior quarter.

Other gains (losses), net, were a net loss of $216 thousand compared to a net gain of $28.1 million in the prior quarter. The fourth quarter included a $23.5 million pre-tax gain on the sale of a merchant banking investment. The current quarter included a net loss on investments related to deferred compensation of $1.8 million compared to a net gain of $3.7 million in the prior quarter.

------

 <br> <br> <u>BOK Financial Corporation quarterly earnings release</u> <u>Exhibit 99.1(a)</u>

**Operating Expense**

---

| | | | | |
|:---|:---|:---|:---|:---|
| *(Dollars in thousands)* | **Mar. 31, 2026** | Dec. 31, 2025 | Change | % Change |
| Personnel | $**211174** | $222726 | $(11552) | (5.2)% |
| Business promotion | **9226** | 11516 | (2290) | (19.9)% |
| Professional fees and services | **14295** | 18371 | (4076) | (22.2)% |
| Net occupancy and equipment | **33182** | 32693 | 489 | 1.5% |
| FDIC and other insurance | **5685** | 6078 | (393) | (6.5)% |
| FDIC special assessment | **—** | (9479) | 9479 | N/A |
| Data processing and communications | **51768** | 51299 | 469 | 0.9% |
| Printing, postage, and supplies | **3679** | 4077 | (398) | (9.8)% |
| Amortization of intangible assets | **2443** | 2656 | (213) | (8.0)% |
| Mortgage banking costs | **11757** | 10663 | 1094 | 10.3% |
| Other expense | **10957** | 10454 | 503 | 4.8% |
| &nbsp;&nbsp;**Total operating expense** | $**354166** | $361054 | $(6888) | (1.9)% |

---

Total operating expense was $354.2 million for the first quarter of 2026, a decrease of $6.9 million compared to the prior quarter.

Personnel expense was $211.2 million, a decrease of $11.6 million. Cash-based incentive compensation decreased $7.0 million. The fourth quarter included higher incentive compensation expenses, primarily driven by strong results in both commercial and wealth production volumes. Regular compensation decreased $2.5 million to $122.2 million, reflecting normalization of quarterly compensation expense as the majority of transitional personnel costs from talent base alignment were recognized in the prior quarter. Deferred compensation expense was $182 thousand, a decrease of $2.2 million compared to the prior quarter. Employee benefits expense increased $1.5 million due to a seasonal increase in payroll taxes, partially offset by lower employee healthcare costs.

Excluding the impact of the FDIC special assessment adjustment in the prior quarter, non-personnel expense decreased $4.8 million. Professional fees and services decreased $4.1 million, primarily driven by lower project costs. Business promotion expense decreased $2.3 million due to lower travel and advertising costs. Mortgage banking costs increased $1.1 million due to increased payoff activity.

------

 <br> <br> <u>BOK Financial Corporation quarterly earnings release</u> <u>Exhibit 99.1(a)</u>

**Loans**

---

| | | | | |
|:---|:---|:---|:---|:---|
| *(Dollars in thousands)* | **Mar. 31, 2026** | Dec. 31, 2025 | Change | % Change |
| *Commercial:* |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Healthcare | $**3955763** | $4008208 | $(52445) | (1.3)% |
| &nbsp;&nbsp;&nbsp;Services | **3901933** | 3911917 | (9984) | (0.3)% |
| &nbsp;&nbsp;&nbsp;Energy | **3005693** | 2882242 | 123451 | 4.3% |
| &nbsp;&nbsp;&nbsp;Mortgage finance | **228242** | 177765 | 50477 | 28.4% |
| &nbsp;&nbsp;&nbsp;General business | **4481452** | 4300935 | 180517 | 4.2% |
| **Total commercial** | **15573083** | 15281067 | 292016 | 1.9% |
| *Commercial real estate:* |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Multifamily | **2553709** | 2432330 | 121379 | 5.0% |
| &nbsp;&nbsp;&nbsp;Industrial | **1418626** | 1368436 | 50190 | 3.7% |
| &nbsp;&nbsp;&nbsp;Office | **821569** | 814139 | 7430 | 0.9% |
| &nbsp;&nbsp;&nbsp;Retail | **613976** | 573451 | 40525 | 7.1% |
| &nbsp;&nbsp;Residential construction and land development | **109480** | 129783 | (20303) | (15.6)% |
| &nbsp;&nbsp;Other commercial real estate | **367319** | 353867 | 13452 | 3.8% |
| **Total commercial real estate** | **5884679** | 5672006 | 212673 | 3.7% |
| *Loans to individuals:* |  |  |  |  |
| &nbsp;&nbsp;Residential mortgage | **2784134** | 2731415 | 52719 | 1.9% |
| &nbsp;&nbsp;Residential mortgage guaranteed by U.S. government agencies | **160254** | 158359 | 1895 | 1.2% |
| &nbsp;&nbsp;&nbsp;Personal | **1785243** | 1808615 | (23372) | (1.3)% |
| **Total loans to individuals** | **4729631** | 4698389 | 31242 | 0.7% |
| **Total loans** | $**26187393** | $25651462 | $535931 | 2.1% |

---

Outstanding loans were $26.2 billion at March 31, 2026, an increase of $536 million over December 31, 2025, with broad-based growth across the loan portfolio led by general business, energy, and multifamily commercial real estate loans. Unfunded loan commitments grew by $319 million over the fourth quarter of 2025 to $16.2 billion at March 31, 2026.

Outstanding commercial loan balances, which includes healthcare, services, energy, mortgage finance, and general business loans, increased $292 million over the prior quarter.

General business loans increased $181 million to $4.5 billion, or 17% of total loans. General business loans include $2.9 billion of wholesale/retail loans and $1.6 billion of loans from other commercial industries.

Energy loan balances grew by $123 million to $3.0 billion, or 11% of total loans. The majority of this portfolio is first lien, senior secured, reserve-based lending to oil and gas producers, which we believe is the lowest risk form of energy lending. Approximately 72% of committed production loans are secured by properties primarily producing oil. The remaining 28% are secured by properties primarily producing natural gas. Unfunded energy loan commitments were $4.5 billion at March 31, 2026, a $52 million increase over December 31, 2025.

The Company launched the residential mortgage finance line of business in the third quarter of 2025, growing loans by $50 million during the quarter to $228 million, or 1% of total loans.

Services sector loan balances were largely unchanged compared to the prior quarter at $3.9 billion, or 15% of total loans. Services loans consist of a large number of loans to a variety of businesses, including state and local municipal government entities, Native American tribal government and casino operations, foundations and not-for-profit organizations, educational services, and specialty trade contractors.

------

 <br> <br> <u>BOK Financial Corporation quarterly earnings release</u> <u>Exhibit 99.1(a)</u>

Healthcare sector loan balances decreased $52 million and totaled $4.0 billion, or 15% of total loans. Our healthcare sector loans primarily consist of $3.2 billion of senior housing and care facilities, including independent living, assisted living, and skilled nursing. Generally, we loan to borrowers with a portfolio of multiple facilities, which serves to help diversify risks specific to a single facility.

Commercial real estate loan balances increased $213 million to $5.9 billion, representing 22% of total loans. Loans secured by multifamily properties increased $121 million. Loans secured by industrial facilities increased $50 million and loans secured by retail facilities increased $41 million, while residential construction and land development loans decreased by $20 million. Unfunded commercial real estate loan commitments were $2.1 billion at March 31, 2026, a $66 million decrease compared to December 31, 2025. We take a disciplined approach to managing our concentration of commercial real estate loan commitments as a percentage of capital.

Loans to individuals were up $31 million over the prior quarter to $4.7 billion and represent 18% of total loans. Residential mortgage loans increased $55 million, while personal loans decreased $23 million. Personal loans consist primarily of loans to Wealth Management clients secured by the cash surrender value of insurance policies or marketable securities. Personal loans also include direct loans secured by and for the purchase of automobiles, recreational and marine equipment, as well as unsecured loans.

**Period End & Average Deposits**

---

| | | | | |
|:---|:---|:---|:---|:---|
| *(Dollars in thousands)* | **Mar. 31, 2026** | Dec. 31, 2025 | Change | % Change |
| *Period end deposits* |  |  |  |  |
| &nbsp;&nbsp;Demand | $**7694329** | $8081930 | $(387601) | (4.8)% |
| &nbsp;&nbsp;Interest-bearing transaction | **26352203** | 26850070 | (497867) | (1.9)% |
| &nbsp;&nbsp;Savings | **903707** | 863923 | 39784 | 4.6% |
| &nbsp;&nbsp;Time | **3726809** | 3639083 | 87726 | 2.4% |
| **Total deposits** | $**38677048** | $39435006 | $(757958) | (1.9)% |
| *Average deposits* |  |  |  |  |
| &nbsp;&nbsp;Demand | $**7693948** | $8009082 | $(315134) | (3.9)% |
| &nbsp;&nbsp;Interest-bearing transaction | **26707581** | 27396541 | (688960) | (2.5)% |
| &nbsp;&nbsp;Savings | **877650** | 852390 | 25260 | 3.0% |
| &nbsp;&nbsp;Time | **3701080** | 3729596 | (28516) | (0.8)% |
| **Total average deposits** | $**38980259** | $39987609 | $(1007350) | (2.5)% |

---

Our funding sources, which primarily include deposits and wholesale borrowings, provide adequate liquidity to meet our needs. The loan to deposit ratio was 68% at March 31, 2026, compared to 65% at December 31, 2025, providing significant on-balance sheet liquidity to meet future loan demand and contractual obligations.

Period end deposits totaled $38.7 billion at March 31, 2026, a $758 million decrease. Interest-bearing transaction accounts decreased $498 million and demand deposits decreased $388 million, while time deposits increased $88 million.

Average deposits were $39.0 billion during the first quarter, a $1.0 billion decrease. Average interest-bearing transaction accounts decreased $689 million, average demand deposit balances decreased $315 million, and average time deposits decreased $29 million.

Average Commercial Banking deposits decreased $186 million to $18.3 billion, or 47% of total deposits. Our commercial deposit portfolio is highly diversified across industries and customers. The highest concentration by industry within our commercial deposit portfolio is with our energy customers representing 8% of our total deposits. Average Consumer Banking deposits increased $43 million to $8.4 billion, or 22% of total deposits. Average Wealth Management deposits increased by $79 million to $10.8 billion, or 28% of total deposits. Average Funds Management and Other deposits decreased $943 million to $1.5 billion, or 4% of total deposits, as funds opportunistically placed into wholesale deposits in the prior quarter were replaced with wholesale borrowings during the first quarter.

------

 <br> <br> <u>BOK Financial Corporation quarterly earnings release</u> <u>Exhibit 99.1(a)</u>

**Capital**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | Minimum Capital Requirement | Capital Conservation Buffer | Minimum Capital Requirement Including Capital Conservation Buffer | **Mar. 31, 2026** | Dec. 31, 2025 |
| Common equity Tier 1 | 4.50% | 2.50% | 7.00% | **12.61%** | 12.90% |
| Tier 1 capital | 6.00% | 2.50% | 8.50% | **12.61%** | 12.90% |
| Total capital | 8.00% | 2.50% | 10.50% | **14.39%** | 14.77% |
| Tier 1 leverage | 4.00% | N/A | 4.00% | **9.85%** | 9.86% |
| Tangible common equity ratio<sup>1</sup> |  |  |  | **9.29%** | 9.46% |
| Common stock repurchased (shares) |  |  |  | **—** | 2617414 |
| Average price per share repurchased |  |  |  | $**—** | $107.99 |

---

The company's common equity Tier 1 capital ratio was 12.61% at March 31, 2026. In addition, the company's Tier 1 capital ratio was 12.61%, total capital ratio was 14.39%, and leverage ratio was 9.85% at March 31, 2026. At December 31, 2025, the company's common equity Tier 1 capital ratio was 12.90%, Tier 1 capital ratio was 12.90%, total capital ratio was 14.77%, and leverage ratio was 9.86%.

The company's tangible common equity ratio<sup>1</sup>, a non-GAAP measure, was 9.29% at March 31, 2026, and 9.46% at December 31, 2025. The tangible common equity ratio is primarily based on total shareholders' equity, which includes unrealized gains and losses on available-for-sale securities.

No shares of common stock were repurchased in the first quarter of 2026. The company repurchased 2,617,414 shares of common stock at an average price paid of $107.99 per share in the fourth quarter of 2025. We view buybacks opportunistically, but within the context of maintaining our strong capital position.

**Credit Quality**

Nonperforming assets totaled $60 million, or 0.23% of outstanding loans and repossessed assets, at March 31, 2026, compared to $75 million, or 0.29%, at December 31, 2025. Excluding loans guaranteed by U.S. government agencies, nonperforming assets totaled $52 million, or 0.20% of outstanding loans and repossessed assets, at March 31, 2026, compared to $66 million, or 0.26%, at December 31, 2025.

Nonaccruing loans decreased $14 million compared to December 31, 2025. New nonaccruing loans identified in the first quarter totaled $8.1 million, offset by $5.8 million in payments received, $4.7 million in foreclosures of other real estate owned, $4.4 million in loans that returned to accrual status, and $3.2 million in charge-offs. Nonaccruing services loans decreased $4.9 million, nonaccruing general business loans decreased $3.6 million, nonaccruing loans to individuals decreased $3.4 million, and nonaccruing healthcare loans decreased $2.4 million.

Net charge-offs were $1.9 million, or 0.03% of average loans on an annualized basis, in the first quarter. At March 31, 2026, net charge-offs for the trailing twelve months were $7.5 million, or 0.03% of average loans. Net charge-offs were $1.4 million, or 0.02% of average loans on an annualized basis, in the fourth quarter of 2025.

No provision for expected credit losses was necessary for the first quarter of 2026. The favorable impact of higher projected oil prices on our energy loan portfolio and improved credit quality was offset by loan growth and a slight downward revision to economic forecast assumptions compared to the prior quarter.

At March 31, 2026, the combined allowance for loan losses and accrual for off-balance sheet credit risk from unfunded loan commitments was $323 million, or 1.23% of outstanding loans and 618% of nonaccruing loans, excluding residential mortgage loans guaranteed by U.S. government agencies. At December 31, 2025, the combined allowance for loan losses and accrual for off-balance sheet credit risk from unfunded loan commitments was $327 million, or 1.28% of outstanding loans and 497% of nonaccruing loans.

<sup>1</sup> &nbsp;&nbsp;&nbsp;&nbsp;See Explanation and Reconciliation of Non-GAAP Measures - Unaudited section following.

&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp; 7

------

 <br> <br> <u>BOK Financial Corporation quarterly earnings release</u> <u>Exhibit 99.1(a)</u>

**Securities & Derivatives**

The fair value of the available-for-sale securities portfolio totaled $13.5 billion at March 31, 2026, a $67 million decrease compared to December 31, 2025. At March 31, 2026, the available-for-sale securities portfolio consisted primarily of $9.6 billion of residential mortgage-backed securities fully backed by U.S. government agencies and $3.0 billion of commercial mortgage-backed securities fully backed by U.S. government agencies. At March 31, 2026, the available-for-sale securities portfolio had a net unrealized loss of $217 million, compared to $133 million at December 31, 2025.

We hold an inventory of trading securities in support of sales to a variety of customers. At March 31, 2026, the trading securities portfolio totaled $5.7 billion, compared to $5.4 billion at December 31, 2025.

The company also maintains a portfolio of residential mortgage-backed and commercial mortgage-backed securities issued by U.S. government agencies and interest rate derivative contracts as an economic hedge of the changes in the fair value of our mortgage servicing rights. This portfolio of fair value option securities increased $76.0 million to $178 million at March 31, 2026.

Derivative contracts are carried at fair value. At March 31, 2026, the net fair values of derivative contracts, before consideration of cash margin, reported as assets under our customer risk management programs totaled $748 million, compared to $428 million at December 31, 2025. The aggregate net fair value of derivative contracts, before consideration of cash margin, held under these programs reported as liabilities totaled $734 million at March 31, 2026, and $399 million at December 31, 2025.

The net benefit of the changes in the fair value of mortgage servicing rights and related economic hedges was $2.0 million during the first quarter of 2026, including an $8.2 million increase in the fair value of mortgage servicing rights, a $6.3 million decrease in the fair value of securities and derivative contracts held as an economic hedge, and $86 thousand of related net interest income.

**First Quarter 2026 Segment Highlights**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Commercial Banking** | **Commercial Banking** | **Consumer Banking** | **Consumer Banking** | **Wealth Management** | **Wealth Management** |
| *(In thousands)* | **Mar. 31, 2026** | Dec. 31, 2025 | **Mar. 31, 2026** | Dec. 31, 2025 | **Mar. 31, 2026** | Dec. 31, 2025 |
| Net interest income and fee revenue | $**232483** | $242828 | $**96926** | $94761 | $**153398** | $160171 |
| Net loans charged-off (recovered) | **400** | 929 | **1508** | 944 | **496** | (7) |
| Personnel expense | **51267** | 54978 | **25466** | 25181 | **69413** | 74028 |
| Non-personnel expense | **31041** | 33209 | **38027** | 39587 | **28756** | 28697 |
| Net income before taxes | **134787** | 162142 | **19168** | 15054 | **37541** | 42689 |
| Average loans | $**21232965** | $20650624 | $**2584226** | $2516158 | $**2430864** | $2393802 |
| Average deposits | **18306337** | 18492793 | **8389039** | 8346245 | **10782785** | 10703630 |
| Assets under management or administration |  |  |  |  | $**123586715** | $126614658 |

---

Commercial Banking contributed $134.8 million to net income before taxes in the first quarter of 2026, a decrease of $27.4 million compared to the fourth quarter of 2025. Combined net interest income and fee revenue totaled $232.5 million, a decrease of $10.3 million. Net interest income decreased $7.5 million from lower deposit spreads and demand deposit balances, slightly offset by increased loan volumes. Investment banking revenue decreased $2.2 million due to lower loan syndication fees. Other operating expenses decreased $5.9 million, primarily attributable to decreased incentive compensation costs and lower project related costs. Other gains, net, were $1.2 million for the first quarter of 2026, compared to $25.6 million in the fourth quarter of 2025. The fourth quarter included a $23.5 million pre-tax gain on the sale of a merchant banking investment. Average loans increased $582 million, or 3%, to $21.2 billion. Average deposits were $18.3 billion, a decrease of $186 million, or 1%.

------

 <br> <br> <u>BOK Financial Corporation quarterly earnings release</u> <u>Exhibit 99.1(a)</u>

Consumer Banking contributed $19.2 million to net income before taxes in the first quarter of 2026, an increase of $4.1 million. Combined net interest income and fee revenue increased $2.2 million, driven by stronger mortgage production performance and higher card-network incentives, partially offset by changes in deposit spreads. The net benefit of the change in the fair value of mortgage servicing rights and the related economic hedges was $2.0 million, compared to a cost of $579 thousand in the prior quarter. Personnel expense was consistent with the prior quarter. Non-personnel expense decreased $1.6 million due to lower business promotion expenses and professional fees, partially offset by higher mortgage banking costs from increased payoff activity. Corporate expense allocations increased $1.4 million. Average loans increased $68 million, or 3%, to $2.6 billion. Average deposits were relatively consistent with the prior quarter at $8.4 billion.

Wealth Management contributed $37.5 million to net income before taxes in the first quarter of 2026, a decrease of $5.1 million compared to the fourth quarter of 2025. Combined net interest income and fee revenue decreased $6.8 million due to reduced margins on deposits, lower fiduciary and asset management revenue as the prior quarter included transaction-related fees that did not recur, and decreased other revenue. Other operating expenses decreased $4.6 million, driven by lower regular and incentive compensation costs during the quarter. Corporate expense allocations increased $2.4 million. Average loans increased $37 million, or 2%, to $2.4 billion. Average deposits were largely unchanged at $10.8 billion. Assets under management or administration were $123.6 billion, a decrease of $3.0 billion, or 2%.

------

 <br> <br> <u>BOK Financial Corporation quarterly earnings release</u> <u>Exhibit 99.1(a)</u>

**Conference Call & Webcast**

The company will host a conference call at noon Central time on Tuesday, April 21, 2026, to discuss the financial results with investors. The live audio webcast and presentation slides will be available on the company's website at bokf.com. The conference call can also be accessed by dialing 1-800-715-9871 toll free, or 1-646-307-1963, conference ID: 6617678. A webcast replay will also be available shortly after the conclusion of the live call at bokf.com or by dialing 1-800-770-2030 and referencing replay PIN: 6617678.

**About BOK Financial Corporation**

BOK Financial Corporation is a $54 billion regional financial services company headquartered in Tulsa, Oklahoma with $124 billion in assets under management or administration. The company's stock is publicly traded on NASDAQ under the Global Select market listings (BOKF). BOK Financial Corporation's holdings include BOKF, NA; BOK Financial Securities, Inc.; and BOK Financial Private Wealth, Inc. BOKF, NA's holdings include TransFund and Cavanal Hill Investment Management, Inc. BOKF, NA operates banking divisions across eight states as: Bank of Albuquerque; Bank of Oklahoma; Bank of Texas; and BOK Financial in Arizona, Arkansas, Colorado, Kansas and Missouri; as well as having limited purpose offices in Nebraska, Wisconsin, Connecticut, and Tennessee. Through its subsidiaries, BOK Financial Corporation provides commercial and consumer banking, brokerage trading, investment and trust services, mortgage origination and servicing, and an electronic funds transfer network. For more information, visit www.bokf.com.

The company will continue to evaluate critical assumptions and estimates, such as the appropriateness of the allowance for credit losses and asset impairment as of March 31, 2026 through the date its financial statements are filed with the Securities and Exchange Commission and will adjust amounts reported if necessary.

This news release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that are based on management's beliefs, assumptions, current expectations, estimates and projections about BOK Financial Corporation, the financial services industry and the economy generally. Words such as "anticipates," "believes," "estimates," "expects," "forecasts," "plans," "outlook," "projects," "will," "intends," "may," "could," "should," "would," "potential," "continue," "seek," "target," variations of such words and similar expressions are intended to identify such forward-looking statements. Management judgments relating to and discussion of the provision and allowance for credit losses, allowance for uncertain tax positions, accruals for loss contingencies and valuation of mortgage servicing rights involve judgments as to expected events and are inherently forward-looking statements. Assessments that acquisitions and growth endeavors will be profitable are statements of belief as to the outcome of future events based in part on information provided by others which BOK Financial has not independently verified and for which BOK Financial assumes no responsibility for the accuracy or completeness. These various forward-looking statements are not guarantees of future performance and involve certain risks, uncertainties, and assumptions which are difficult to predict with regard to timing, extent, likelihood and degree of occurrence. All statements other than statements of historical fact are forward-looking statements. Therefore, actual results and outcomes may materially differ from what is expected, implied or forecasted in such forward-looking statements. Internal and external factors that might cause such a difference include, but are not limited to: changes in government; changes in governmental economic policy, including tariffs; changes in commodity prices; interest rates and interest rate relationships; inflation; demand for products and services; the degree of competition by traditional and nontraditional competitors; changes in banking regulations; tax laws; prices, levies and assessments; the impact of technological advances; trends in customer behavior as well as their ability to repay loans; credit quality deterioration; cybersecurity incidents and data breaches; operational failures or interruptions; liquidity risks; capital adequacy requirements; litigation and regulatory enforcement actions; and other risks detailed in BOK Financial Corporation's filings with the Securities and Exchange Commission. BOK Financial Corporation and its affiliates undertake no obligation to update, amend or clarify forward-looking statements, whether as a result of new information, future events, or otherwise.

------

 <br> <br> <u>BOK Financial Corporation Quarterly Earnings Release</u> <u>Exhibit 99.1(b)</u>

**BALANCE SHEETS – UNAUDITED** 

**BOK FINANCIAL CORPORATION**

---

| | | |
|:---|:---|:---|
| *(In thousands)* | **Mar. 31, 2026** | Dec. 31, 2025 |
| **Assets** |  |  |
| Cash and due from banks | $**905614** | $1001107 |
| Interest-bearing cash and cash equivalents | **506793** | 656995 |
| Trading securities | **5652162** | 5392745 |
| Investment securities, net of allowance | **1719731** | 1784242 |
| Available-for-sale securities | **13539565** | 13606625 |
| Fair value option securities | **178098** | 102096 |
| Restricted equity securities | **357909** | 224757 |
| Residential mortgage loans held for sale | **104873** | 94630 |
| *Loans:* |  |  |
| &nbsp;&nbsp;Commercial | **15573083** | 15281067 |
| &nbsp;&nbsp;Commercial real estate | **5884679** | 5672006 |
| &nbsp;&nbsp;Loans to individuals | **4729631** | 4698389 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total loans | **26187393** | 25651462 |
| Allowance for loan losses | **(277719)** | (275860) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans, net of allowance | **25909674** | 25375602 |
| Premises and equipment, net | **631454** | 638936 |
| Receivables | **272540** | 292978 |
| Goodwill | **1044749** | 1044749 |
| Intangible assets, net | **32303** | 34752 |
| Mortgage servicing rights | **333381** | 322724 |
| Real estate and other repossessed assets, net of allowance | **15** | 176 |
| Derivative contracts, net | **782985** | 300775 |
| Cash surrender value of bank-owned life insurance | **424494** | 421514 |
| Receivable on unsettled securities sales | **156963** | 62034 |
| Other assets | **1207102** | 880064 |
| **Total assets** | $**53760405** | $52237501 |
| **Liabilities** |  |  |
| *Deposits:* |  |  |
| &nbsp;&nbsp;Demand | $**7694329** | $8081930 |
| &nbsp;&nbsp;Interest-bearing transaction | **26352203** | 26850070 |
| &nbsp;&nbsp;Savings | **903707** | 863923 |
| &nbsp;&nbsp;Time | **3726809** | 3639083 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total deposits | **38677048** | 39435006 |
| Funds purchased and repurchase agreements | **715469** | 1491716 |
| Other borrowings | **5753504** | 2745939 |
| Subordinated debentures | **396625** | 396589 |
| Accrued interest, taxes, and expense | **325670** | 382809 |
| Due on unsettled securities purchases | **1140782** | 991073 |
| Derivative contracts, net | **282590** | 397573 |
| Other liabilities | **493651** | 476116 |
| **Total liabilities** | **47785339** | 46316821 |
| **Shareholders' equity** |  |  |
| Capital, surplus, and retained earnings | **6198177** | 6084816 |
| Accumulated other comprehensive loss | **(225002)** | (166170) |
| Total shareholders' equity | **5973175** | 5918646 |
| Non-controlling interests | **1891** | 2034 |
| **Total equity** | **5975066** | 5920680 |
| **Total liabilities and equity** | $**53760405** | $52237501 |

---

------

 <br> <br> <u>BOK Financial Corporation Quarterly Earnings Release</u> <u>Exhibit 99.1(b)</u>

**AVERAGE BALANCE SHEETS – UNAUDITED**

**BOK FINANCIAL CORPORATION**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| *(In thousands)* | **Mar. 31, 2026** | Dec. 31, 2025 | Sep. 30, 2025 | June 30, 2025 | Mar. 31, 2025 |
| **Assets** |  |  |  |  |  |
| Interest-bearing cash and cash equivalents | $**577641** | $546045 | $495091 | $506330 | $564014 |
| Trading securities | **5617531** | 5295598 | 5603200 | 6876788 | 5881997 |
| Investment securities, net of allowance | **1747860** | 1804984 | 1861565 | 1918969 | 1980005 |
| Available-for-sale securities | **13614473** | 13564939 | 13386515 | 13218569 | 12962830 |
| Fair value option securities | **126772** | 72229 | 105651 | 88323 | 17603 |
| Restricted equity securities | **361514** | 250430 | 337055 | 390191 | 348266 |
| Residential mortgage loans held for sale | **77105** | 91414 | 91422 | 86543 | 63365 |
| *Loans:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Commercial | **15430740** | 15037471 | 14490145 | 14315695 | 14633090 |
| &nbsp;&nbsp;&nbsp;Commercial real estate | **5779715** | 5581588 | 5743572 | 5495152 | 5245867 |
| &nbsp;&nbsp;&nbsp;Loans to individuals | **4715130** | 4623492 | 4592422 | 4365702 | 4189270 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total loans | **25925585** | 25242551 | 24826139 | 24176549 | 24068227 |
| Allowance for loan losses | **(276437)** | (277580) | (277398) | (278191) | (279983) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans, net of allowance | **25649148** | 24964971 | 24548741 | 23898358 | 23788244 |
| Total earning assets | **47772044** | 46590610 | 46429240 | 46984071 | 45606324 |
| Cash and due from banks | **963980** | 988135 | 960602 | 915487 | 995598 |
| Derivative contracts, net | **421256** | 268675 | 317732 | 374125 | 328478 |
| Cash surrender value of bank-owned life insurance | **422540** | 420167 | 417261 | 419602 | 417797 |
| Receivable on unsettled securities sales | **173506** | 227678 | 162035 | 228563 | 184960 |
| Other assets | **3369683** | 3357081 | 3405206 | 3365104 | 3453746 |
| **Total assets** | $**53123009** | $51852346 | $51692076 | $52286952 | $50986903 |
| **Liabilities** |  |  |  |  |  |
| *Deposits:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Demand | $**7693948** | $8009082 | $7894847 | $7958538 | $8156069 |
| &nbsp;&nbsp;&nbsp;Interest-bearing transaction | **26707581** | 27396541 | 26076475 | 25859336 | 25859733 |
| &nbsp;&nbsp;&nbsp;Savings | **877650** | 852390 | 867939 | 853062 | 844875 |
| &nbsp;&nbsp;&nbsp;Time | **3701080** | 3729596 | 3641985 | 3465780 | 3498401 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total deposits | **38980259** | 39987609 | 38481246 | 38136716 | 38359078 |
| Funds purchased and repurchase agreements | **924228** | 1185566 | 873800 | 782039 | 935716 |
| Other borrowings | **5349061** | 3008388 | 5048301 | 6019948 | 4626402 |
| Subordinated debentures | **396606** | 241482 |  | 99846 | 131188 |
| Derivative contracts, net | **302403** | 317206 | 332893 | 359616 | 237035 |
| Due on unsettled securities purchases | **418478** | 452673 | 329361 | 503490 | 425050 |
| Other liabilities | **727779** | 697979 | 663323 | 591496 | 611762 |
| **Total liabilities** | **47098814** | 45890903 | 45728924 | 46493151 | 45326231 |
| **Total equity** | **6024195** | 5961443 | 5963152 | 5793801 | 5660672 |
| **Total liabilities and equity** | $**53123009** | $51852346 | $51692076 | $52286952 | $50986903 |

---

------

 <br> <br> <u>BOK Financial Corporation Quarterly Earnings Release</u> <u>Exhibit 99.1(b)</u>

**STATEMENTS OF EARNINGS – UNAUDITED**

**BOK FINANCIAL CORPORATION**

---

| | | |
|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** |
| | **March 31,** | **March 31,** |
| *(In thousands, except share and per share data)* | **2026** | 2025 |
| Interest revenue | $**615925** | $618570 |
| Interest expense | **273371** | 302319 |
| &nbsp;&nbsp;Net interest income | **342554** | 316251 |
| Provision for credit losses | **—** |  |
| **Net interest income after provision for credit losses** | **342554** | 316251 |
| *Other operating revenue:* |  |  |
| &nbsp;&nbsp;Brokerage and trading revenue | **43606** | 31068 |
| &nbsp;&nbsp;Transaction card revenue | **31965** | 27092 |
| &nbsp;&nbsp;Fiduciary and asset management revenue | **66481** | 60972 |
| &nbsp;&nbsp;Deposit service charges and fees | **32218** | 30275 |
| &nbsp;&nbsp;Mortgage banking revenue | **20963** | 19815 |
| &nbsp;&nbsp;Other revenue | **14544** | 14894 |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total fees and commissions** | **209777** | 184116 |
| Other losses, net | **(216)** | (725) |
| Gain (loss) on derivatives, net | **(4374)** | 9565 |
| Gain (loss) on fair value option securities, net | **(2074)** | 325 |
| Change in fair value of mortgage servicing rights | **8155** | (7240) |
| **Total other operating revenue** | **211268** | 186041 |
| *Other operating expense:* |  |  |
| &nbsp;&nbsp;Personnel | **211174** | 214185 |
| &nbsp;&nbsp;Business promotion | **9226** | 8818 |
| &nbsp;&nbsp;Professional fees and services | **14295** | 13269 |
| &nbsp;&nbsp;Net occupancy and equipment | **33182** | 32992 |
| &nbsp;&nbsp;FDIC and other insurance | **5685** | 6587 |
| &nbsp;&nbsp;FDIC special assessment | **—** | 523 |
| &nbsp;&nbsp;Data processing and communications | **51768** | 47578 |
| &nbsp;&nbsp;Printing, postage, and supplies | **3679** | 3639 |
| &nbsp;&nbsp;Amortization of intangible assets | **2443** | 2652 |
| &nbsp;&nbsp;Mortgage banking costs | **11757** | 7689 |
| &nbsp;&nbsp;Other expense | **10957** | 9597 |
| **Total other operating expense** | **354166** | 347529 |
| **Net income before taxes** | **199656** | 154763 |
| Federal and state income taxes | **43936** | 34992 |
| **Net income** | **155720** | 119771 |
| Net loss attributable to non-controlling interests | **(46)** | (6) |
| **Net income attributable to BOK Financial Corporation shareholders** | $**155766** | $119777 |
| **Average shares outstanding:** |  |  |
| &nbsp;&nbsp;Basic and diluted | **60033282** | 63547510 |
| **Net income per share:** |  |  |
| &nbsp;&nbsp;Basic and diluted | $**2.58** | $1.86 |

---

------

 <br> <br> <u>BOK Financial Corporation Quarterly Earnings Release</u> <u>Exhibit 99.1(b)</u>

**QUARTERLY EARNINGS TREND – UNAUDITED**

**BOK FINANCIAL CORPORATION**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| *(In thousands, except share, and per share data)* | **Mar. 31, 2026** | Dec. 31, 2025 | Sep. 30, 2025 | June 30, 2025 | Mar. 31, 2025 |
| Interest revenue | $**615925** | $625818 | $644453 | $642427 | $618570 |
| Interest expense | **273371** | 280537 | 306807 | 314261 | 302319 |
| &nbsp;&nbsp;Net interest income | **342554** | 345281 | 337646 | 328166 | 316251 |
| Provision for credit losses | **—** |  | 2000 |  |  |
| **Net interest income after provision for credit losses** | **342554** | 345281 | 335646 | 328166 | 316251 |
| *Other operating revenue:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Brokerage and trading revenue | **43606** | 47310 | 43239 | 38125 | 31068 |
| &nbsp;&nbsp;&nbsp;Transaction card revenue | **31965** | 31564 | 29463 | 29561 | 27092 |
| &nbsp;&nbsp;&nbsp;Fiduciary and asset management revenue | **66481** | 68347 | 63878 | 63964 | 60972 |
| &nbsp;&nbsp;&nbsp;Deposit service charges and fees | **32218** | 32039 | 31896 | 31319 | 30275 |
| &nbsp;&nbsp;&nbsp;Mortgage banking revenue | **20963** | 19013 | 19764 | 18993 | 19815 |
| &nbsp;&nbsp;&nbsp;Other revenue | **14544** | 16591 | 16190 | 15368 | 14894 |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total fees and commissions** | **209777** | 214864 | 204430 | 197330 | 184116 |
| Other gains (losses), net | **(216)** | 28078 | 8264 | 8140 | (725) |
| Gain (loss) on derivatives, net | **(4374)** | (2366) | (453) | 5535 | 9565 |
| Gain (loss) on fair value option securities, net | **(2074)** | 551 | 630 | 1112 | 325 |
| Change in fair value of mortgage servicing rights | **8155** | 1407 | (2375) | (5019) | (7240) |
| Gain on available-for-sale securities, net | **—** | 1748 | 213 |  |  |
| **Total other operating revenue** | **211268** | 244282 | 210709 | 207098 | 186041 |
| *Other operating expense:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Personnel | **211174** | 222726 | 226347 | 214711 | 214185 |
| &nbsp;&nbsp;&nbsp;Business promotion | **9226** | 11516 | 9960 | 9139 | 8818 |
| &nbsp;&nbsp;&nbsp;Professional fees and services | **14295** | 18371 | 15137 | 15402 | 13269 |
| &nbsp;&nbsp;&nbsp;Net occupancy and equipment | **33182** | 32693 | 33040 | 32657 | 32992 |
| &nbsp;&nbsp;&nbsp;FDIC and other insurance | **5685** | 6078 | 7302 | 6439 | 6587 |
| &nbsp;&nbsp;&nbsp;FDIC special assessment | **—** | (9479) | (1209) | (523) | 523 |
| &nbsp;&nbsp;&nbsp;Data processing and communications | **51768** | 51299 | 50062 | 49597 | 47578 |
| &nbsp;&nbsp;&nbsp;Printing, postage, and supplies | **3679** | 4077 | 4036 | 4067 | 3639 |
| &nbsp;&nbsp;&nbsp;Amortization of intangible assets | **2443** | 2656 | 2656 | 2656 | 2652 |
| &nbsp;&nbsp;&nbsp;Mortgage banking costs | **11757** | 10663 | 10668 | 6711 | 7689 |
| &nbsp;&nbsp;&nbsp;Other expense | **10957** | 10454 | 11771 | 13647 | 9597 |
| **Total other operating expense** | **354166** | 361054 | 369770 | 354503 | 347529 |
| **Net income before taxes** | **199656** | 228509 | 176585 | 180761 | 154763 |
| Federal and state income taxes | **43936** | 51243 | 35714 | 40691 | 34992 |
| **Net income** | **155720** | 177266 | 140871 | 140070 | 119771 |
| Net income (loss) attributable to non-controlling interests | **(46)** | (35) | (23) | 52 | (6) |
| **Net income attributable to BOK Financial Corporation shareholders** | $**155766** | $177301 | $140894 | $140018 | $119777 |
| **Average shares outstanding:** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Basic and diluted | **60033282** | 60916929 | 62840270 | 63208027 | 63547510 |
| **Net income per share:** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Basic and diluted | $**2.58** | $2.89 | $2.22 | $2.19 | $1.86 |

---

------

 <br> <br> <u>BOK Financial Corporation Quarterly Earnings Release</u> <u>Exhibit 99.1(b)</u>

**FINANCIAL HIGHLIGHTS – UNAUDITED**

**BOK FINANCIAL CORPORATION**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| *(In thousands, except ratio, share, and per share data)* | **Mar. 31, 2026** | Dec. 31, 2025 | Sep. 30, 2025 | June 30, 2025 | Mar. 31, 2025 |
| ***Capital:*** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Period end shareholders' equity | $**5973175** | $5918646 | $6022535 | $5890888 | $5771813 |
| &nbsp;&nbsp;&nbsp;&nbsp;Risk-weighted assets | $**40777918** | $38966948 | $38136467 | $37630803 | $38062913 |
| ***Risk-based capital ratios:*** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Common equity Tier 1 | **12.61%** | 12.90% | 13.60% | 13.59% | 13.31% |
| &nbsp;&nbsp;&nbsp;&nbsp;Tier 1 | **12.61%** | 12.90% | 13.61% | 13.60% | 13.31% |
| &nbsp;&nbsp;&nbsp;&nbsp;Total capital | **14.39%** | 14.77% | 14.48% | 14.48% | 14.54% |
| &nbsp;&nbsp;&nbsp;&nbsp;Leverage ratio | **9.85%** | 9.86% | 10.19% | 9.88% | 10.02% |
| &nbsp;&nbsp;&nbsp;Tangible common equity ratio<sup>1</sup> | **9.29%** | 9.46% | 10.06% | 9.63% | 9.48% |
| ***Common stock:*** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Book value per share | $**98.31** | $97.63 | $95.22 | $92.61 | $89.82 |
| &nbsp;&nbsp;&nbsp;&nbsp;Tangible book value per share | $**80.58** | $79.83 | $78.11 | $75.56 | $72.87 |
| ***Market value per share:*** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;High | $**138.42** | $122.16 | $114.17 | $104.15 | $116.29 |
| &nbsp;&nbsp;&nbsp;&nbsp;Low | $**113.53** | $102.72 | $96.89 | $85.08 | $97.84 |
| Cash dividends paid | $**38118** | $38042 | $36122 | $36256 | $36468 |
| Dividend payout ratio | **24.47%** | 21.46% | 25.64% | 25.89% | 30.45% |
| Shares outstanding, net | **60759992** | 60620507 | 63247676 | 63611097 | 64261824 |
| ***Stock buy-back program:*** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Shares repurchased | **—** | 2617414 | 365547 | 663298 | 10000 |
| &nbsp;&nbsp;&nbsp;&nbsp;Amount | $**—** | $282645 | $40575 | $62341 | $985 |
| &nbsp;&nbsp;&nbsp;Average price paid per share<sup>2</sup> | $**—** | $107.99 | $111.00 | $93.99 | $98.45 |
| ***Performance ratios (quarter annualized):*** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Return on average assets | **1.19%** | 1.36% | 1.08% | 1.07% | 0.95% |
| &nbsp;&nbsp;&nbsp;&nbsp;Return on average equity | **10.49%** | 11.80% | 9.38% | 9.70% | 8.59% |
| &nbsp;&nbsp;&nbsp;Return on average tangible common equity<sup>1</sup> | **12.78%** | 14.42% | 11.46% | 11.94% | 10.63% |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest margin | **2.90%** | 2.98% | 2.91% | 2.80% | 2.78% |
| &nbsp;&nbsp;&nbsp;Efficiency ratio<sup>1</sup> | **63.21%** | 60.71% | 66.66% | 65.42% | 68.31% |
| &nbsp;&nbsp;&nbsp;Adjusted efficiency ratio<sup>1</sup> | **63.21%** | 64.89% | 66.88% | 65.52% | 68.21% |
| ***Other data:*** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Tax-equivalent interest | $**2610** | $2555 | $2565 | $2574 | $2542 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net unrealized loss on available-for-sale securities | $**(216978)** | $(132566) | $(203682) | $(276678) | $(363507) |

---

<sup>1 &nbsp;&nbsp;&nbsp;&nbsp;</sup>See Explanation and Reconciliation of Non-GAAP Measures - Unaudited section following.

<sup>2 &nbsp;&nbsp;&nbsp;&nbsp;</sup>Excludes 1% excise tax on corporate stock repurchases.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

<sup>3</sup> &nbsp;&nbsp;&nbsp;&nbsp;Actual interest earned on fair value option securities less internal transfer-priced cost of funds. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15

------

 <br> <br> <u>BOK Financial Corporation Quarterly Earnings Release</u> <u>Exhibit 99.1(b)</u>

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| *(In thousands, except ratio, share, and per share data)* | **Mar. 31, 2026** | Dec. 31, 2025 | Sep. 30, 2025 | June 30, 2025 | Mar. 31, 2025 |
| ***Mortgage banking:*** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Mortgage production revenue | $**3926** | $1963 | $2370 | $1707 | $2629 |
| &nbsp;&nbsp;&nbsp;&nbsp;Mortgage loans funded for sale | $**230858** | $230376 | $229812 | $219154 | $159816 |
| &nbsp;&nbsp;&nbsp;Add: Current period end outstanding commitments | **83674** | 49048 | 67842 | 64508 | 60429 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: Prior period end outstanding commitments | **49048** | 67842 | 64508 | 60429 | 36590 |
| **Total mortgage production volume** | $**265484** | $211582 | $233146 | $223233 | $183655 |
| Mortgage loan refinances to mortgage loans funded for sale | **30%** | 27% | 13% | 16% | 12% |
| Realized margin on funded mortgage loans | **1.22%** | 1.10% | 0.96% | 0.66% | 0.91% |
| Production revenue as a percentage of production volume | **1.48%** | 0.93% | 1.02% | 0.76% | 1.43% |
| Mortgage servicing revenue | $**17037** | $17050 | $17394 | $17286 | $17186 |
| Average outstanding principal balance of mortgage loans serviced for others | $**22109450** | $21882238 | $22269300 | $22687658 | $23089324 |
| Average mortgage servicing revenue rates | **0.31%** | 0.31% | 0.31% | 0.31% | 0.30% |
| ***Gain (loss) on mortgage servicing rights, net of economic hedge:*** | ***Gain (loss) on mortgage servicing rights, net of economic hedge:*** | ***Gain (loss) on mortgage servicing rights, net of economic hedge:*** | ***Gain (loss) on mortgage servicing rights, net of economic hedge:*** | ***Gain (loss) on mortgage servicing rights, net of economic hedge:*** | ***Gain (loss) on mortgage servicing rights, net of economic hedge:*** |
| &nbsp;&nbsp;&nbsp;&nbsp;Gain (loss) on derivatives, net | $**(4211)** | $(2651) | $(508) | $5230 | $9183 |
| &nbsp;&nbsp;&nbsp;&nbsp;Gain (loss) on fair value option securities, net | **(2074)** | 551 | 630 | 1112 | 325 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Gain (loss) on economic hedge of mortgage servicing rights | **(6285)** | (2100) | 122 | 6342 | 9508 |
| &nbsp;&nbsp;&nbsp;&nbsp;Change in fair value of mortgage servicing rights | **8155** | 1407 | (2375) | (5019) | (7240) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Gain (loss) on changes in fair value of mortgage servicing rights, net of economic hedges, included in other operating revenue | **1870** | (693) | (2253) | 1323 | 2268 |
| &nbsp;&nbsp;&nbsp;Net interest income (expense) on fair value option securities<sup>3</sup> | **86** | 114 | 169 | 229 | (71) |
| **Total economic benefit (cost) of changes in the fair value of mortgage servicing rights, net of economic hedges** | $**1956** | $(579) | $(2084) | $1552 | $2197 |

---

<sup>1 &nbsp;&nbsp;&nbsp;&nbsp;</sup>See Explanation and Reconciliation of Non-GAAP Measures - Unaudited section following.

<sup>2 &nbsp;&nbsp;&nbsp;&nbsp;</sup>Excludes 1% excise tax on corporate stock repurchases.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

<sup>3</sup> &nbsp;&nbsp;&nbsp;&nbsp;Actual interest earned on fair value option securities less internal transfer-priced cost of funds. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16

------

 <br> <br> <u>BOK Financial Corporation Quarterly Earnings Release</u> <u>Exhibit 99.1(b)</u>

**EXPLANATION AND RECONCILIATION OF NON-GAAP MEASURES – UNAUDITED**

**BOK FINANCIAL CORPORATION**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| *(In thousands, except ratio and per share data)* | **Mar. 31, 2026** | Dec. 31, 2025 | Sep. 30, 2025 | June 30, 2025 | Mar. 31, 2025 |
| ***Reconciliation of tangible common equity ratio:*** | ***Reconciliation of tangible common equity ratio:*** | ***Reconciliation of tangible common equity ratio:*** | ***Reconciliation of tangible common equity ratio:*** | ***Reconciliation of tangible common equity ratio:*** | ***Reconciliation of tangible common equity ratio:*** |
| &nbsp;&nbsp;&nbsp;&nbsp;Total shareholders' equity | $**5973175** | $5918646 | $6022535 | $5890888 | $5771813 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: Goodwill and intangible assets, net | **1077052** | 1079501 | 1082125 | 1084749 | 1088813 |
| **Tangible common equity** | $**4896123** | $4839145 | $4940410 | $4806139 | $4683000 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total assets | $**53760405** | $52237501 | $50193387 | $50998077 | $50472189 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: Goodwill and intangible assets, net | **1077052** | 1079501 | 1082125 | 1084749 | 1088813 |
| **Tangible assets** | $**52683353** | $51158000 | $49111262 | $49913328 | $49383376 |
| Tangible common equity ratio | **9.29%** | 9.46% | 10.06% | 9.63% | 9.48% |
| ***Reconciliation of return on average tangible common equity:*** | ***Reconciliation of return on average tangible common equity:*** | ***Reconciliation of return on average tangible common equity:*** | ***Reconciliation of return on average tangible common equity:*** | ***Reconciliation of return on average tangible common equity:*** | ***Reconciliation of return on average tangible common equity:*** |
| &nbsp;&nbsp;&nbsp;&nbsp;Total average shareholders' equity | $**6022247** | $5959186 | $5960711 | $5791275 | $5658082 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: Average goodwill and intangible assets, net | **1078240** | 1080758 | 1083390 | 1086991 | 1090116 |
| **Average tangible common equity** | $**4944007** | $4878428 | $4877321 | $4704284 | $4567966 |
| Net income attributable to BOK Financial Corporation shareholders | $**155766** | $177301 | $140894 | $140018 | $119777 |
| Return on average tangible common equity | **12.78%** | 14.42% | 11.46% | 11.94% | 10.63% |
| ***Calculation of efficiency ratio and adjusted efficiency ratio:*** | ***Calculation of efficiency ratio and adjusted efficiency ratio:*** | ***Calculation of efficiency ratio and adjusted efficiency ratio:*** | ***Calculation of efficiency ratio and adjusted efficiency ratio:*** | ***Calculation of efficiency ratio and adjusted efficiency ratio:*** | ***Calculation of efficiency ratio and adjusted efficiency ratio:*** |
| &nbsp;&nbsp;&nbsp;&nbsp;Total other operating expense | $**354166** | $361054 | $369770 | $354503 | $347529 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: Amortization of intangible assets | **2443** | 2656 | 2656 | 2656 | 2652 |
| **Numerator for efficiency ratio** | $**351723** | $358398 | $367114 | $351847 | $344877 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: FDIC special assessment expense (benefit) | **—** | (9479) | (1209) | (523) | 523 |
| **Numerator for adjusted efficiency ratio** | $**351723** | $367877 | $368323 | $352370 | $344354 |
| &nbsp;&nbsp;&nbsp;Net interest income | $**342554** | $345281 | $337646 | $328166 | $316251 |
| &nbsp;&nbsp;&nbsp;Add: Tax-equivalent adjustment | **2610** | 2555 | 2565 | 2574 | 2542 |
| &nbsp;&nbsp;&nbsp;&nbsp;Tax-equivalent net interest income | **345164** | 347836 | 340211 | 330740 | 318793 |
| &nbsp;&nbsp;&nbsp;&nbsp;Add: Total other operating revenue | **211268** | 244282 | 210709 | 207098 | 186041 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: Gain on available-for-sale securities, net | **—** | 1748 | 213 |  |  |
| **Denominator for efficiency ratio** | $**556432** | $590370 | $550707 | $537838 | $504834 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: Gain on sale of merchant banking investment | **—** | 23475 |  |  |  |
| **Denominator for adjusted efficiency ratio** | $**556432** | $566895 | $550707 | $537838 | $504834 |
| Efficiency ratio | **63.21%** | 60.71% | 66.66% | 65.42% | 68.31% |
| Adjusted efficiency ratio | **63.21%** | 64.89% | 66.88% | 65.52% | 68.21% |
| ***Reconciliation of pre-provision net revenue:*** | ***Reconciliation of pre-provision net revenue:*** | ***Reconciliation of pre-provision net revenue:*** | ***Reconciliation of pre-provision net revenue:*** | ***Reconciliation of pre-provision net revenue:*** | ***Reconciliation of pre-provision net revenue:*** |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income before taxes | $**199656** | $228509 | $176585 | $180761 | $154763 |
| &nbsp;&nbsp;&nbsp;Add: Provision for expected credit losses | **—** |  | 2000 |  |  |
| &nbsp;&nbsp;&nbsp;Less: Net income (loss) attributable to non-controlling interests | **(46)** | (35) | (23) | 52 | (6) |
| **Pre-provision net revenue** | $**199702** | $228544 | $178608 | $180709 | $154769 |

---

------

 <br> <br> <u>BOK Financial Corporation Quarterly Earnings Release</u> <u>Exhibit 99.1(b)</u>

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| *(In thousands, except ratio and per share data)* | **Mar. 31, 2026** | Dec. 31, 2025 | Sep. 30, 2025 | June 30, 2025 | Mar. 31, 2025 |
| ***Information on net interest income and net interest margin excluding trading activities:*** | ***Information on net interest income and net interest margin excluding trading activities:*** | ***Information on net interest income and net interest margin excluding trading activities:*** | ***Information on net interest income and net interest margin excluding trading activities:*** | ***Information on net interest income and net interest margin excluding trading activities:*** | ***Information on net interest income and net interest margin excluding trading activities:*** |
| &nbsp;&nbsp;&nbsp;Net interest income | $**342554** | $345281 | $337646 | $328166 | $316251 |
| &nbsp;&nbsp;&nbsp;Less: Trading activities net interest income | **15366** | 13211 | 14325 | 16138 | 15174 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income excluding trading activities | **327188** | 332070 | 323321 | 312028 | 301077 |
| &nbsp;&nbsp;&nbsp;Add: Tax-equivalent adjustment | **2610** | 2555 | 2565 | 2574 | 2542 |
| **Tax-equivalent net interest income excluding trading activities** | $**329798** | $334625 | $325886 | $314602 | $303619 |
| &nbsp;&nbsp;&nbsp;&nbsp;Average interest-earning assets | $**47772044** | $46590610 | $46429240 | $46984071 | $45606324 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: Average trading activities interest-earning assets | **5617531** | 5295598 | 5603200 | 6876788 | 5881997 |
| **Average interest-earning assets excluding trading activities** | $**42154513** | $41295012 | $40826040 | $40107283 | $39724327 |
| Net interest margin on average interest-earning assets | **2.90%** | 2.98% | 2.91% | 2.80% | 2.78% |
| Net interest margin on average trading activities interest-earning assets | **1.05%** | 1.04% | 1.07% | 0.93% | 0.98% |
| Net interest margin on average interest-earning assets excluding trading activities | **3.15%** | 3.22% | 3.16% | 3.12% | 3.05% |

---

---

| | |
|:---|:---|
| | **Three Months Ended** |
| *(In thousands, except per share data)* | Dec. 31, 2025 |
| ***Reconciliation of adjusted net income and earnings per share:*** |  |
| Net income attributable to BOK Financial Corporation shareholders | $177301 |
| &nbsp;&nbsp;&nbsp;&nbsp;Impact of FDIC special assessment benefit, net of tax | (7239) |
| &nbsp;&nbsp;&nbsp;&nbsp;Gain on sale of merchant banking investment, net of tax | (17928) |
| **Adjusted net income** | $152134 |
| Earnings per share | $2.89 |
| &nbsp;&nbsp;&nbsp;&nbsp;Impact of FDIC special assessment benefit, net of tax | (0.12) |
| &nbsp;&nbsp;&nbsp;&nbsp;Gain on sale of merchant banking investment, net of tax | (0.29) |
| **Adjusted earnings per share** | $2.48 |

---

------

 <br> <br> <u>BOK Financial Corporation Quarterly Earnings Release</u> <u>Exhibit 99.1(b)</u>

**Explanation of Non-GAAP Measures**

The tangible common equity ratio and return on average tangible common equity are primarily based on total shareholders' equity, which includes unrealized gains and losses on available-for-sale securities, less intangible assets and equity that do not benefit common shareholders. These measures are valuable indicators of a financial institution's capital strength since they eliminate intangible assets from shareholders' equity and retain the effect of unrealized losses on securities and other components of accumulated other comprehensive income in shareholders' equity.

The efficiency ratio and adjusted efficiency ratio measure the company's ability to use its assets and manage its liabilities effectively in the current period.

Pre-provision net revenue is a measure of revenue less expenses and is calculated before provision for credit losses and income tax expense. This financial measure is frequently used by investors and analysts and enables them to assess a company's ability to generate earnings to cover credit losses through a credit cycle. It also provides an additional basis for comparing the results of operations between periods by isolating the impact of the provision for credit losses, which can vary significantly between periods.

Net interest income and net interest margin excluding trading activities removes the effect of trading activities on these metrics allowing management and investors to assess the performance of the company's core lending and deposit activities without the associated volatility from trading activities.

We believe adjusting net income and earnings per share for notable non-core items enhances comparability of results with prior periods, demonstrates the impact of significant items, and provides a useful measure for determining the company's expenses that are core to our business operations and are expected to recur over time.

------

 <br> <br> <u>BOK Financial Corporation Quarterly Earnings Release</u> <u>Exhibit 99.1(b)</u>

**LOANS TREND – UNAUDITED**

**BOK FINANCIAL CORPORATION**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| *(In thousands)* | **Mar. 31, 2026** | Dec. 31, 2025 | Sep. 30, 2025 | June 30, 2025 | Mar. 31, 2025 |
| *Commercial:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Healthcare | $**3955763** | $4008208 | $3878543 | $3808936 | $3789446 |
| &nbsp;&nbsp;&nbsp;Services | **3901933** | 3911917 | 3710643 | 3658807 | 3704834 |
| &nbsp;&nbsp;&nbsp;Energy | **3005693** | 2882242 | 2681512 | 2734713 | 2860330 |
| &nbsp;&nbsp;&nbsp;Mortgage finance | **228242** | 177765 | 84271 |  |  |
| &nbsp;&nbsp;&nbsp;General business | **4481452** | 4300935 | 4157971 | 4181726 | 4048821 |
| **Total commercial** | **15573083** | 15281067 | 14512940 | 14384182 | 14403431 |
| *Commercial real estate:* |  |  |  |  |  |
| &nbsp;&nbsp;Multifamily | **2553709** | 2432330 | 2500323 | 2473365 | 2336312 |
| &nbsp;&nbsp;Industrial | **1418626** | 1368436 | 1396795 | 1304211 | 1163089 |
| &nbsp;&nbsp;Office | **821569** | 814139 | 811601 | 690086 | 704688 |
| &nbsp;&nbsp;Retail | **613976** | 573451 | 593835 | 592043 | 497579 |
| &nbsp;&nbsp;&nbsp;Residential construction and land development | **109480** | 129783 | 122033 | 105701 | 105190 |
| &nbsp;&nbsp;Other commercial real estate | **367319** | 353867 | 328020 | 356035 | 356678 |
| **Total commercial real estate** | **5884679** | 5672006 | 5752607 | 5521441 | 5163536 |
| *Loans to individuals:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Residential mortgage | **2784134** | 2731415 | 2676366 | 2610681 | 2471345 |
| &nbsp;&nbsp;Residential mortgage guaranteed by U.S. government agencies | **160254** | 158359 | 151642 | 148453 | 133453 |
| &nbsp;&nbsp;&nbsp;Personal | **1785243** | 1808615 | 1771639 | 1627454 | 1518723 |
| **Total loans to individuals** | **4729631** | 4698389 | 4599647 | 4386588 | 4123521 |
| **Total loans** | $**26187393** | $25651462 | $24865194 | $24292211 | $23690488 |

---

------

 <br> <br> <u>BOK Financial Corporation Quarterly Earnings Release</u> <u>Exhibit 99.1(b)</u>

**LOANS MANAGED BY PRINCIPAL MARKET AREA – UNAUDITED**

**BOK FINANCIAL CORPORATION**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| *(In thousands)* | **Mar. 31, 2026** | Dec. 31, 2025 | Sep. 30, 2025 | June 30, 2025 | Mar. 31, 2025 |
| *Texas:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Commercial | $**7489036** | $7383319 | $6800577 | $6893246 | $6953714 |
| &nbsp;&nbsp;&nbsp;Commercial real estate | **2149123** | 2057016 | 2107335 | 1997598 | 1864345 |
| &nbsp;&nbsp;&nbsp;Loans to individuals | **1077386** | 1066827 | 1037831 | 996341 | 929825 |
| **Total Texas** | **10715545** | 10507162 | 9945743 | 9887185 | 9747884 |
| *Oklahoma:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Commercial | **3907911** | 3829109 | 3692319 | 3455696 | 3380680 |
| &nbsp;&nbsp;&nbsp;Commercial real estate | **612981** | 589709 | 574126 | 512075 | 521992 |
| &nbsp;&nbsp;&nbsp;Loans to individuals | **3065886** | 3005460 | 2927185 | 2725320 | 2548549 |
| **Total Oklahoma** | **7586778** | 7424278 | 7193630 | 6693091 | 6451221 |
| *Colorado:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Commercial | **2125660** | 2127979 | 2132770 | 2185658 | 2246388 |
| &nbsp;&nbsp;&nbsp;Commercial real estate | **596517** | 600668 | 589307 | 791171 | 706154 |
| &nbsp;&nbsp;&nbsp;Loans to individuals | **191721** | 200378 | 208323 | 217088 | 210531 |
| **Total Colorado** | **2913898** | 2929025 | 2930400 | 3193917 | 3163073 |
| *Arizona:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Commercial | **1378256** | 1253824 | 1228593 | 1166745 | 1115085 |
| &nbsp;&nbsp;&nbsp;Commercial real estate | **1448141** | 1332658 | 1348838 | 1165927 | 1084967 |
| &nbsp;&nbsp;&nbsp;Loans to individuals | **220116** | 224354 | 222963 | 226727 | 218093 |
| **Total Arizona** | **3046513** | 2810836 | 2800394 | 2559399 | 2418145 |
| *Kansas/Missouri:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Commercial | **291075** | 282189 | 270068 | 303692 | 298410 |
| &nbsp;&nbsp;&nbsp;Commercial real estate | **537709** | 571331 | 618052 | 556390 | 533335 |
| &nbsp;&nbsp;&nbsp;Loans to individuals | **117617** | 142392 | 142408 | 155154 | 147651 |
| **Total Kansas/Missouri** | **946401** | 995912 | 1030528 | 1015236 | 979396 |
| *New Mexico:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Commercial | **308712** | 311636 | 282479 | 282918 | 324321 |
| &nbsp;&nbsp;&nbsp;Commercial real estate | **484623** | 465228 | 458720 | 443516 | 381775 |
| &nbsp;&nbsp;&nbsp;Loans to individuals | **48099** | 49589 | 51056 | 55714 | 57926 |
| **Total New Mexico** | **841434** | 826453 | 792255 | 782148 | 764022 |
| *Arkansas:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Commercial | **72433** | 93011 | 106134 | 96227 | 84833 |
| &nbsp;&nbsp;&nbsp;Commercial real estate | **55585** | 55396 | 56229 | 54764 | 70968 |
| &nbsp;&nbsp;&nbsp;Loans to individuals | **8806** | 9389 | 9881 | 10244 | 10946 |
| **Total Arkansas** | **136824** | 157796 | 172244 | 161235 | 166747 |
| **Total BOK Financial** | $**26187393** | $25651462 | $24865194 | $24292211 | $23690488 |

---

Loans attributed to a principal market may not always represent the location of the borrower or the collateral.

------

 <br> <br> <u>BOK Financial Corporation Quarterly Earnings Release</u> <u>Exhibit 99.1(b)</u>

**DEPOSITS BY PRINCIPAL MARKET AREA – UNAUDITED**

**BOK FINANCIAL CORPORATION**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| *(In thousands)* | **Mar. 31, 2026** | Dec. 31, 2025 | Sep. 30, 2025 | June 30, 2025 | Mar. 31, 2025 |
| *Oklahoma:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Demand | $**3463094** | $3492243 | $3520203 | $3589146 | $3629708 |
| *&nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Transaction | **13629679** | 13732961 | 13352070 | 13537068 | 13891707 |
| &nbsp;&nbsp;&nbsp;&nbsp; Savings | **561079** | 532284 | 520995 | 521734 | 525424 |
| &nbsp;&nbsp;&nbsp;&nbsp; Time | **2245523** | 2232078 | 2356945 | 2166094 | 2089744 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing | **16436281** | 16497323 | 16230010 | 16224896 | 16506875 |
| **Total Oklahoma** | **19899375** | 19989566 | 19750213 | 19814042 | 20136583 |
| *Texas:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Demand | **2071766** | 2177256 | 2194177 | 2082652 | 2187903 |
| *&nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Transaction | **6447755** | 6691395 | 6427135 | 6203081 | 5925285 |
| &nbsp;&nbsp;&nbsp;&nbsp; Savings | **153501** | 149593 | 147560 | 155027 | 155777 |
| &nbsp;&nbsp;&nbsp;&nbsp; Time | **676876** | 647158 | 649757 | 638657 | 633538 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing | **7278132** | 7488146 | 7224452 | 6996765 | 6714600 |
| **Total Texas** | **9349898** | 9665402 | 9418629 | 9079417 | 8902503 |
| *Colorado:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Demand | **881440** | 1152203 | 929383 | 1040223 | 1082304 |
| *&nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Transaction | **2072825** | 2137579 | 2204899 | 1989284 | 1988258 |
| &nbsp;&nbsp;&nbsp;&nbsp; Savings | **58605** | 54809 | 53768 | 55326 | 58318 |
| &nbsp;&nbsp;&nbsp;&nbsp; Time | **299196** | 282320 | 284962 | 278914 | 274235 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing | **2430626** | 2474708 | 2543629 | 2323524 | 2320811 |
| **Total Colorado** | **3312066** | 3626911 | 3473012 | 3363747 | 3403115 |
| *New Mexico:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Demand | **580900** | 580400 | 591330 | 609205 | 631950 |
| *&nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Transaction | **1447506** | 1405940 | 1376694 | 1416741 | 1283998 |
| &nbsp;&nbsp;&nbsp;&nbsp; Savings | **99848** | 95630 | 94180 | 94930 | 96969 |
| &nbsp;&nbsp;&nbsp;&nbsp; Time | **374661** | 354757 | 347227 | 340946 | 344827 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing | **1922015** | 1856327 | 1818101 | 1852617 | 1725794 |
| **Total New Mexico** | **2502915** | 2436727 | 2409431 | 2461822 | 2357744 |
| *Arizona:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Demand | **398102** | 365007 | 368432 | 385442 | 451085 |
| *&nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Transaction | **1439796** | 1450416 | 1406300 | 1467509 | 1312979 |
| &nbsp;&nbsp;&nbsp;&nbsp; Savings | **11593** | 14656 | 13571 | 10536 | 11125 |
| &nbsp;&nbsp;&nbsp;&nbsp; Time | **73912** | 72286 | 71886 | 72041 | 70758 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing | **1525301** | 1537358 | 1491757 | 1550086 | 1394862 |
| **Total Arizona** | **1923403** | 1902365 | 1860189 | 1935528 | 1845947 |

---

------

 <br> <br> <u>BOK Financial Corporation Quarterly Earnings Release</u> <u>Exhibit 99.1(b)</u>

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| *(In thousands)* | **Mar. 31, 2026** | Dec. 31, 2025 | Sep. 30, 2025 | June 30, 2025 | Mar. 31, 2025 |
| *Kansas/Missouri:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Demand | **271399** | 281263 | 282235 | 269408 | 279808 |
| *&nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Transaction | **1203155** | 1194500 | 1151956 | 1169161 | 1202107 |
| &nbsp;&nbsp;&nbsp;&nbsp; Savings | **16222** | 14256 | 14251 | 13719 | 14504 |
| &nbsp;&nbsp;&nbsp;&nbsp; Time | **38542** | 37820 | 37563 | 35768 | 36307 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing | **1257919** | 1246576 | 1203770 | 1218648 | 1252918 |
| **Total Kansas/Missouri** | **1529318** | 1527839 | 1486005 | 1488056 | 1532726 |
| *Arkansas:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Demand | **27628** | 33558 | 21416 | 22685 | 25738 |
| *&nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Transaction | **111487** | 237279 | 64174 | 61079 | 57696 |
| &nbsp;&nbsp;&nbsp;&nbsp; Savings | **2859** | 2695 | 2411 | 2485 | 2602 |
| &nbsp;&nbsp;&nbsp;&nbsp; Time | **18099** | 12664 | 14538 | 17248 | 17019 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing | **132445** | 252638 | 81123 | 80812 | 77317 |
| **Total Arkansas** | **160073** | 286196 | 102539 | 103497 | 103055 |
| **Total BOK Financial** | $**38677048** | $39435006 | $38500018 | $38246109 | $38281673 |

---

------

 <br> <br> <u>BOK Financial Corporation Quarterly Earnings Release</u> <u>Exhibit 99.1(b)</u>

**NET INTEREST MARGIN TREND – UNAUDITED**

**BOK FINANCIAL CORPORATION**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| | **Mar. 31, 2026** | Dec. 31, 2025 | Sep. 30, 2025 | June 30, 2025 | Mar. 31, 2025 |
| *Tax-equivalent asset yields* | *Tax-equivalent asset yields* | *Tax-equivalent asset yields* | *Tax-equivalent asset yields* | *Tax-equivalent asset yields* | *Tax-equivalent asset yields* |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing cash and cash equivalents | **3.60%** | 3.85% | 4.39% | 4.46% | 4.48% |
| &nbsp;&nbsp;&nbsp;&nbsp;Trading securities | **4.64%** | 4.83% | 5.25% | 5.05% | 5.07% |
| &nbsp;&nbsp;&nbsp;&nbsp;Investment securities, net of allowance | **1.41%** | 1.41% | 1.41% | 1.41% | 1.42% |
| &nbsp;&nbsp;&nbsp;&nbsp;Available-for-sale securities | **3.93%** | 3.94% | 3.93% | 3.89% | 3.82% |
| &nbsp;&nbsp;&nbsp;&nbsp;Fair value option securities | **4.83%** | 4.83% | 5.45% | 5.90% | 3.72% |
| &nbsp;&nbsp;&nbsp;&nbsp;Restricted equity securities | **7.39%** | 7.22% | 7.84% | 7.73% | 7.51% |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans held for sale | **5.42%** | 5.84% | 6.08% | 6.13% | 6.03% |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans | **6.25%** | 6.48% | 6.70% | 6.71% | 6.71% |
| &nbsp;&nbsp;&nbsp;&nbsp;Allowance for loan losses |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans, net of allowance | **6.31%** | 6.55% | 6.78% | 6.79% | 6.79% |
| **Total tax-equivalent yield on earning assets** | **5.23%** | 5.36% | 5.53% | 5.47% | 5.45% |
| *Cost of interest-bearing liabilities:* | *Cost of interest-bearing liabilities:* | *Cost of interest-bearing liabilities:* | *Cost of interest-bearing liabilities:* | *Cost of interest-bearing liabilities:* | *Cost of interest-bearing liabilities:* |
| &nbsp;&nbsp;&nbsp;*Interest-bearing deposits:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Transaction | **2.67%** | 2.88% | 3.14% | 3.17% | 3.21% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Savings | **0.54%** | 0.54% | 0.55% | 0.54% | 0.56% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Time | **3.53%** | 3.64% | 3.73% | 3.83% | 4.10% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing deposits | **2.71%** | 2.91% | 3.14% | 3.17% | 3.24% |
| &nbsp;&nbsp;&nbsp;&nbsp;Funds purchased and repurchase agreements | **2.90%** | 3.47% | 3.29% | 3.50% | 3.05% |
| &nbsp;&nbsp;&nbsp;&nbsp;Other borrowings | **3.90%** | 4.22% | 4.54% | 4.49% | 4.57% |
| &nbsp;&nbsp;&nbsp;&nbsp;Subordinated debt | **6.14%** | 6.12% | —% | 6.38% | 6.44% |
| **Total cost of interest-bearing liabilities** | **2.92%** | 3.06% | 3.33% | 3.40% | 3.42% |
| &nbsp;&nbsp;&nbsp;Tax-equivalent net interest spread | **2.31%** | 2.30% | 2.20% | 2.07% | 2.03% |
| &nbsp;&nbsp;&nbsp;&nbsp;Effect of noninterest-bearing funding sources and other | **0.59%** | 0.68% | 0.71% | 0.73% | 0.75% |
| **Tax-equivalent net interest margin** | **2.90%** | 2.98% | 2.91% | 2.80% | 2.78% |

---

Yield calculations are shown on a tax-equivalent basis at the statutory federal and state rates for the periods presented. The yield calculations exclude security trades that have been recorded on trade date with no corresponding interest income and the unrealized gains and losses. The yield calculation also includes average loan balances for which the accrual of interest has been discontinued and are net of unearned income. Yield/rate calculations are generally based on the conventions that determine how interest income and expense is accrued.

------

 <br> <br> <u>BOK Financial Corporation Quarterly Earnings Release</u> <u>Exhibit 99.1(b)</u>

**CREDIT QUALITY INDICATORS – UNAUDITED**

**BOK FINANCIAL CORPORATION**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| *(In thousands, except ratios)* | **Mar. 31, 2026** | Dec. 31, 2025 | Sep. 30, 2025 | June 30, 2025 | Mar. 31, 2025 |
| *Nonperforming assets:* |  |  |  |  |  |
| &nbsp;&nbsp;*Nonaccruing loans:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;*Commercial:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Healthcare | $**21138** | $23490 | $24507 | $28743 | $29253 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Services | **1260** | 6135 | 7647 | 11329 | 13662 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Energy | **—** |  | 31 | 40 | 49 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;General business | **2868** | 6477 | 85 | 45 | 103 |
| **Total commercial** | **25266** | 36102 | 32270 | 40157 | 43067 |
| **Commercial real estate** | **6601** | 6697 | 6809 | 6925 | 13125 |
| &nbsp;&nbsp;&nbsp;&nbsp;*Loans to individuals:* |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Permanent mortgage | **20175** | 18263 | 21255 | 20654 | 20502 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Permanent mortgage guaranteed by U.S. government agencies | **7768** | 8586 | 7348 | 6978 | 6786 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Personal | **194** | 4712 | 4712 | 4613 | 40 |
| **Total loans to individuals** | **28137** | 31561 | 33315 | 32245 | 27328 |
| **Total nonaccruing loans** | **60004** | 74360 | 72394 | 79327 | 83520 |
| Real estate and other repossessed assets | **15** | 176 | 1751 | 1729 | 1769 |
| **Total nonperforming assets** | $**60019** | $74536 | $74145 | $81056 | $85289 |
| Total nonperforming assets excluding those guaranteed by U.S. government agencies | $**52251** | $65950 | $66797 | $74078 | $78503 |
| Accruing loans 90 days past due<sup>1</sup> | $**2411** | $— | $1135 | $1388 | $3258 |
| Gross charge-offs | $**3176** | $2353 | $4348 | $1313 | $2291 |
| Recoveries | **(1303)** | (907) | (721) | (752) | (1186) |
| Net charge-offs (recoveries) | $**1873** | $1446 | $3627 | $561 | $1105 |
| Provision for loan losses | $**3732** | $(386) | $4270 | $(984) | $(336) |
| Provision for credit losses from off-balance sheet unfunded loan commitments | **(5934)** | 487 | (2208) | 904 | 448 |
| Provision for expected credit losses from mortgage banking activities | **2213** | (95) | (74) | 77 | (82) |
| Provision for credit losses related to held-to-maturity (investment) securities portfolio | **(11)** | (6) | 12 | 3 | (30) |
| **Total provision for credit losses** | $**—** | $— | $2000 | $— | $— |

---

<sup>1</sup>&nbsp;&nbsp;&nbsp;&nbsp;Excludes residential mortgage loans guaranteed by agencies of the U.S. government.

------

 <br> <br> <u>BOK Financial Corporation Quarterly Earnings Release</u> <u>Exhibit 99.1(b)</u>

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| *(In thousands, except ratios)* | **Mar. 31, 2026** | Dec. 31, 2025 | Sep. 30, 2025 | June 30, 2025 | Mar. 31, 2025 |
| Allowance for loan losses to period end loans | **1.06%** | 1.08% | 1.12% | 1.14% | 1.18% |
| Combined allowance for loan losses and accrual for off-balance sheet credit risk from unfunded loan commitments to period end loans | **1.23%** | 1.28% | 1.32% | 1.36% | 1.40% |
| Nonperforming assets to period end loans and repossessed assets | **0.23%** | 0.29% | 0.30% | 0.33% | 0.36% |
| Net charge-offs (annualized) to average loans | **0.03%** | 0.02% | 0.06% | 0.01% | 0.02% |
| Allowance for loan losses to nonaccruing loans<sup>1</sup>  | **531.66%** | 419.41% | 426.92% | 382.93% | 363.06% |
| Combined allowance for loan losses and accrual for off-balance sheet credit risk from unfunded loan commitments to nonaccruing loans<sup>1</sup> | **618.45%** | 497.36% | 504.99% | 456.18% | 430.95% |

---

<sup>1</sup>&nbsp;&nbsp;&nbsp;&nbsp;Excludes residential mortgage loans guaranteed by agencies of the U.S. government.

------

 <br> <br> <u>BOK Financial Corporation Quarterly Earnings Release</u> <u>Exhibit 99.1(b)</u>

**SEGMENTS – UNAUDITED**

**BOK FINANCIAL CORPORATION**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **1Q26 vs 4Q25** | **1Q26 vs 4Q25** | **1Q26 vs 1Q25** | **1Q26 vs 1Q25** |
| *(In thousands, except ratios)* | **Mar. 31, 2026** | Dec. 31, 2025 | Mar. 31, 2025 | Change | % Change | Change | % Change |
| ***Commercial Banking:*** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income | $**173473** | $180950 | $178258 | $(7477) | (4.1)% | $(4785) | (2.7)% |
| &nbsp;&nbsp;&nbsp;&nbsp;Fees and commissions revenue | **59010** | 61878 | 55157 | (2868) | (4.6)% | 3853 | 7.0% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Combined net interest income and fee revenue | **232483** | 242828 | 233415 | (10345) | (4.3)% | (932) | (0.4)% |
| &nbsp;&nbsp;&nbsp;&nbsp;Other operating expense | **82308** | 88187 | 78480 | (5879) | (6.7)% | 3828 | 4.9% |
| &nbsp;&nbsp;&nbsp;&nbsp;Corporate allocations | **16046** | 17189 | 17055 | (1143) | (6.6)% | (1009) | (5.9)% |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income before taxes | **134787** | 162142 | 138096 | (27355) | (16.9)% | (3309) | (2.4)% |
| &nbsp;&nbsp;&nbsp;&nbsp;Average assets | $**22679465** | $22139520 | $21400745 | $539945 | 2.4% | $1278720 | 6.0% |
| &nbsp;&nbsp;&nbsp;&nbsp;Average loans | **21232965** | 20650624 | 19965166 | 582341 | 2.8% | 1267799 | 6.4% |
| &nbsp;&nbsp;&nbsp;&nbsp;Average deposits | **18306337** | 18492793 | 17769083 | (186456) | (1.0)% | 537254 | 3.0% |
| ***Consumer Banking:*** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income | $**55989** | $57163 | $57252 | $(1174) | (2.1)% | $(1263) | (2.2)% |
| &nbsp;&nbsp;&nbsp;&nbsp;Fees and commissions revenue | **40937** | 37598 | 36795 | 3339 | 8.9% | 4142 | 11.3% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Combined net interest income and fee revenue | **96926** | 94761 | 94047 | 2165 | 2.3% | 2879 | 3.1% |
| &nbsp;&nbsp;&nbsp;&nbsp;Other operating expense | **63493** | 64768 | 57236 | (1275) | (2.0)% | 6257 | 10.9% |
| &nbsp;&nbsp;&nbsp;&nbsp;Corporate allocations | **14686** | 13292 | 15435 | 1394 | 10.5% | (749) | (4.9)% |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income before taxes | **19168** | 15054 | 22122 | 4114 | 27.3% | (2954) | (13.4)% |
| &nbsp;&nbsp;&nbsp;&nbsp;Average assets | $**8452393** | $8396499 | $8201821 | $55894 | 0.7% | $250572 | 3.1% |
| &nbsp;&nbsp;&nbsp;&nbsp;Average loans | **2584226** | 2516158 | 2206553 | 68068 | 2.7% | 377673 | 17.1% |
| &nbsp;&nbsp;&nbsp;&nbsp;Average deposits | **8389039** | 8346245 | 8154762 | 42794 | 0.5% | 234277 | 2.9% |
| ***Wealth Management:*** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income | $**42974** | $44061 | $44502 | $(1087) | (2.5)% | $(1528) | (3.4)% |
| &nbsp;&nbsp;&nbsp;&nbsp;Fees and commissions revenue | **110424** | 116110 | 96336 | (5686) | (4.9)% | 14088 | 14.6% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Combined net interest income and fee revenue | **153398** | 160171 | 140838 | (6773) | (4.2)% | 12560 | 8.9% |
| &nbsp;&nbsp;&nbsp;&nbsp;Other operating expense | **98169** | 102725 | 94266 | (4556) | (4.4)% | 3903 | 4.1% |
| &nbsp;&nbsp;&nbsp;&nbsp;Corporate allocations | **17155** | 14764 | 13854 | 2391 | 16.2% | 3301 | 23.8% |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income before taxes | **37541** | 42689 | 32726 | (5148) | (12.1)% | 4815 | 14.7% |
| &nbsp;&nbsp;&nbsp;&nbsp;Average assets | $**11370683** | $11276162 | $11367435 | $94521 | 0.8% | $3248 | —% |
| &nbsp;&nbsp;&nbsp;&nbsp;Average loans | **2430864** | 2393802 | 2187599 | 37062 | 1.5% | 243265 | 11.1% |
| &nbsp;&nbsp;&nbsp;&nbsp;Average deposits | **10782785** | 10703630 | 10702521 | 79155 | 0.7% | 80264 | 0.7% |
| &nbsp;&nbsp;&nbsp;&nbsp;Fiduciary assets | **74350101** | 77006744 | 68059837 | (2656643) | (3.4)% | 6290264 | 9.2% |
| &nbsp;&nbsp;&nbsp;&nbsp;Assets under management or administration | **123586715** | 126614658 | 113956563 | (3027943) | (2.4)% | 9630152 | 8.5% |

---

Certain prior period amounts have been reclassified to conform to current period presentation.

## Exhibit 99.2

![](a20260331bokfearningscal001.jpg)

Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic April 21, 2026 Q1 Earnings Conference Call

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![](a20260331bokfearningscal002.jpg)

Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that are based on management's beliefs, assumptions, current expectations, estimates and projections about BOK Financial Corporation, the financial services industry, and the economy generally. Words such as "anticipates," "believes," "estimates," "expects," "forecasts," "plans," "outlook," "projects," "will," "intends," "may," "could,""should," "would," "potential," "continue","seek," "target," variations of such words and similar expressions are intended to identify such forward-looking statements. Management judgments relating to and discussion of the provision and allowance for credit losses, allowance for uncertain tax positions, accruals for loss contingencies and valuation of mortgage servicing rights involve judgments as to expected events and are inherently forward-looking statements. Assessments that acquisitions and growth endeavors will be profitable are statements of belief as to the outcome of future events based in part on information provided by others which BOK Financial has not independently verified and for which BOK Financial assumes no responsibility for the accuracy or completeness. These various forward-looking statements are not guarantees of future performance and involve certain risks, uncertainties, and assumptions which are difficult to predict with regard to timing, extent, likelihood and degree of occurrence. All statements other than statements of historical fact are forward-looking statements. Therefore, actual results and outcomes may materially differ from what is expected, implied or forecasted in such forward-looking statements. Internal and external factors that might cause such a difference include, but are not limited to changes in government, changes in governmental economic policy, including tariffs; changes in commodity prices; interest rates and interest rate relationships; inflation; demand for products and services; the degree of competition by traditional and nontraditional competitors; changes in banking regulations; tax laws; prices, levies and assessments; the impact of technological advances; trends in customer behavior as well as their ability to repay loans; credit quality deterioration; cybersecurity incidents and data breaches; operational failures or interruptions; liquidity risks; capital adequacy requirements; litigation and regulatory enforcement actions; and other risks detailed in BOK Financial Corporation's filings with the Securities and Exchange Commission. For a discussion of risk factors that may cause actual results to differ from expectations, please refer to BOK Financial Corporation's most recent annual and quarterly reports. BOK Financial Corporation and its affiliates undertake no obligation to update, amend, or clarify forward-looking statements, whether as a result of new information, future events, or otherwise. Non-GAAP Financial Measures: This presentation may refer to non-GAAP financial measures. Additional information on these financial measures is available in BOK Financial's Form 8-K filings furnished pursuant to Item 2.02, which can be accessed at bokf.com. All data is presented as of March 31, 2026 unless otherwise noted. Legal Disclaimers 2

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Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Stacy Kymes Chief Executive Officer 3

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Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Q1 Financial Highlights \* Non-GAAP measure Attributable to shareholders Per share (diluted) Net Income • Net income was $155.8 million, or $2.58 per diluted share, compared to $177.3 million, or $2.89 per diluted share in the prior quarter. Excluding the gain recognized on the sale of a merchant banking investment and the FDIC special assessment benefit, net income would have been $152.1 million, or $2.48 per diluted share, in the fourth quarter of 2025\* • Net interest margin declined 8 basis points to 2.90% and core net interest margin, excluding trading, declined 7 basis points to 3.15%\* • Period end loans grew $536 million, or 2.1% sequentially to $26.2 billion with strong growth throughout our Commercial and Commercial Real Estate portfolios. Period end loans grew $2.5 billion or 10.5% compared to the first quarter of 2025 • Net charge-offs were 3 basis points of average loans on an annualized basis in the first quarter • Continued strong capital and liquidity position with TCE at 9.3% and a loan to deposit ratio of 68% 4 $119.8 $140.0 $140.9 $177.3 $155.8 $1.86 $2.19 $2.22 $2.89 $2.58 1Q25 2Q25 3Q25 4Q25 1Q26 ($Million, exc. EPS) Q1 2026 Q4 2025 Q1 2025 Net income $155.8 $177.3 $119.8 Diluted EPS $2.58 $2.89 $1.86 Net income before taxes $199.7 $228.5 $154.8 Provision for credit losses $0.0 $0.0 $0.0 Pre-provision net revenue\* $199.7 $228.5 $154.8 Efficiency ratio\* 63.2% 60.7% 68.3% Revenue Composition as of 3/31/2026 62% 8% 12% 6% 6% 4% 2% Net Interest Income Trading & Brokerage Fiduciary & Asset Management Transaction Card Deposit Service Charges Mortgage Banking Other Revenue

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Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Additional Details 5 ◦ Period end loan balances increased $536 million, led by strong growth in our Arizona, Texas, and Oklahoma markets with broad- based growth in our Commercial and Commercial Real Estate portfolios. Average loan balances grew $683 million ◦ Average deposits declined $1.0 billion in Q1. Opportunistically acquired wholesale deposits in the prior quarter were replaced with wholesale borrowings during the first quarter ◦ The loan to deposit ratio increased to 68% at March 31 from 65% at December 31, but continues to be well below the pre- pandemic level of 79% at Dec. 31, 2019 ◦ Assets under management or administration decreased $3.0 billion to $123.6 billion, driven by lower market valuations and normal seasonal distributions ($Billion) Q1 2026 Quarterly Sequential Quarterly YOY Period End Loans $26.2 2.1% 10.5% Average Loans $25.9 2.7% 7.7% Period End Deposits $38.7 (1.9)% 1.0% Average Deposits $39.0 (2.5)% 1.6% Fiduciary Assets $74.4 (3.4)% 9.2% Assets Under Management or Administration $123.6 (2.4)% 8.5%

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Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Loan Portfolio • Total Commercial loans grew $292 million or 1.9% sequentially • Combined Services & General Business (Core C&I) balances increased $171 million or 2.1% linked quarter • Energy balances increased $123 million or 4.3%, reflecting continued reversal of the elevated payoff activity experienced in 2025 • Healthcare balances decreased $52 million or 1.3% linked quarter, reflecting cyclical payoff activity • Commercial Real Estate loan balances increased $213 million or 3.7% linked quarter, led by growth in multifamily, industrial, and retail 6 ($Million) Mar. 31, 2026 Dec. 31, 2025 Mar. 31, 2025 Seq. Loan Growth YOY Loan Growth Energy $3,005.7 $2,882.2 $2,860.3 4.3% 5.1% Services 3,901.9 3,911.9 3,704.8 (0.3)% 5.3% Healthcare 3,955.8 4,008.2 3,789.4 (1.3)% 4.4% Mortgage Finance 228.2 177.8 — 28.4% N/A General Business 4,481.5 4,300.9 4,048.8 4.2% 10.7% Total Commercial $15,573.1 $15,281.1 $14,403.4 1.9% 8.1% Multifamily $2,553.7 $2,432.3 $2,336.3 5.0% 9.3% Industrial 1,418.6 1,368.4 1,163.1 3.7% 22.0% Office 821.6 814.1 704.7 0.9% 16.6% Retail 614.0 573.5 497.6 7.1% 23.4% Residential Construction and Land Development 109.5 129.8 105.2 (15.6)% 4.1% Other Commercial Real Estate 367.3 353.9 356.7 3.8% 3.0% Total Commercial Real Estate $5,884.7 $5,672.0 $5,163.5 3.7% 14.0% Loans to individuals $4,729.6 $4,698.4 $4,123.5 0.7% 14.7% Total Loans $26,187.4 $25,651.5 $23,690.5 2.1% 10.5%

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Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Credit Quality Metrics • Credit quality continues to be strong with nonperforming assets, excluding loans guaranteed by U.S. government agencies, totaling $52 million or 0.20% of outstanding loans and repossessed assets • Trailing 12 months net charge-offs at 3 bps with net charge- offs of $1.9 million during Q1 • No provision for credit losses was necessary for the quarter as the favorable impact of higher projected oil prices in our energy portfolio and improved credit quality was offset by loan growth and a slight downward revision to economic forecast assumptions • Combined allowance for credit losses of $323 million or 1.23% at quarter end Net Charge-Offs to Average Loans NPA (ex Govt. Guaranteed) as % of Total Loans Annualized 7 0.02% 0.01% 0.06% 0.02% 0.03% 1Q25 2Q25 3Q25 4Q25 1Q26 0.00% 0.10% 0.20% 19.1% 18.0% 10.1% 10.3% 11.3% 12.1% 11.0% 4Q18 4Q19 1Q25 2Q25 3Q25 4Q25 1Q26 —% 10.0% 20.0% 30.0% Committed Criticized Assets / Tier 1 Capital & Reserves 1Q 20 2Q 20 3Q 20 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 —% 0.25% 0.50% 0.75% 1.00% 1.25% 1.50% 1.75%

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Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Scott Grauer EVP, Wealth Management Executive 8

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Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Fee Income - Markets & Securities Trading Fees • Trading fee income decreased $1.6 million reflecting continued mix shift in total trading revenue from Trading fees to Trading NII\* Investment Banking Fees • Investment banking revenue, which includes investment banking fees and syndication fees, decreased $4.1 million, largely affected by seasonality Mortgage Production Revenue • Mortgage production revenue increased $2.0 million related to increased production volumes and refinance activity 9 ($Million) Q1 2026 Qtr. Seq. $ Change Qtr. Seq. % Change Qtr. YOY % Change Trading Fees $19.3 $(1.6) (7.8)% 138.2% Mortgage Servicing 17.0 — (0.1)% (0.9)% Mortgage Production 3.9 2.0 100.0% 49.3% Customer Hedging Fees 7.8 1.1 17.1% (6.8)% Brokerage Fees 6.3 0.9 16.0% 27.3% Syndication Fees 4.5 (2.0) (30.8)% 40.3% Investment Banking Fees 5.7 (2.1) (27.0)% (11.5)% Markets & Securities $64.6 (1.8) (2.6)% 26.9% ($Million) Q1 2026 Q4 2025 Q3 2025 Q2 2025 Q1 2025 Trading Fees $19.3 $20.9 $15.5 $14.4 $8.1 Trading NII\* 15.4 13.2 14.3 16.1 15.2 Total Trading Revenue $34.7 $34.1 $29.8 $30.5 $23.3 A A Total Trading Revenue A + B B \* Non-GAAP measure

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Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Fee Income - Asset Management & Transactions • Fiduciary and asset management revenue decreased $1.9 million, primarily from higher transaction- related fees recognized in the prior quarter • Assets under management or administration ("AUMA") decreased $3.0 billion during the quarter driven by lower market valuations and normal seasonal distributions • Transaction card revenue grew to $32.0 million this quarter, marking another record quarter 10 ($Million) Q1 2026 Qtr. Seq. $ Change Qtr. Seq. % Change Qtr. YOY % Change Markets & Securities $64.6 $(1.8) (2.6)% 26.9% Fiduciary & Asset Management 66.5 (1.9) (2.7)% 9.0% Transaction Card 32.0 0.4 1.3% 18.0% Deposit Service Charges & Fees 32.2 0.2 0.6% 6.4% Other Revenue 14.5 (2.0) (12.3)% (2.3)% Asset Management & Transactions 145.2 (3.3) (2.2)% 9.0% Total Fees & Commissions $209.8 $(5.1) (2.4)% 13.9% 2+1 1 2

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Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Marty Grunst EVP, Chief Financial Officer 11

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Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Yields, Rate & Margin Net Interest Income • Net interest income declined $2.7 million linked quarter, driven by seasonal declines in DDA balances, shorter day count in the first quarter, and the funding of temporary margin posted on behalf of our energy customers. Core net interest income, excluding trading, decreased $4.8 million\* Net Interest Margin • 8 basis point NIM decrease with core net interest margin, excluding trading,\* declining 7 basis points 12 ($Million) Q1 2026 Q4 2025 Q1 2025 Quarterly Sequential Quarterly YOY Net Interest Income $342.6 $345.3 $316.3 (0.8)% 8.3% Net Interest Margin 2.90% 2.98% 2.78% (8) bps 12 bps Yield on Loans 6.25% 6.48% 6.71% (23) bps (46) bps Tax-equivalent Yield on Earning Assets 5.23% 5.36% 5.45% (13) bps (22) bps Cost of Interest-bearing Deposits 2.71% 2.91% 3.24% (20) bps (53) bps Rate on Interest- bearing Liabilities 2.92% 3.06% 3.42% (14) bps (50) bps Net Interest Income ($Million) $301.1 $312.0 $323.3 $332.1 $327.2 $15.2 $16.1 $14.3 $13.2 $15.4 NII excl. Trading\* Trading NII 1Q25 2Q25 3Q25 4Q25 1Q26 $0 $100 $200 $300 $400 2.78% 2.80% 2.91% 2.98% 2.90% 3.05% 3.12% 3.16% 3.22% 3.15% Reported NIM NIM excl. Trading\* 1Q25 2Q25 3Q25 4Q25 1Q26 2.50% 3.00% 3.50% 4.00% Net Interest Margin \* Non-GAAP measure

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Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Expenses • Personnel expenses were down $11.6 million, primarily driven by lower incentive compensation costs • Cash-based incentive compensation decreased $7.0 million as the fourth quarter was elevated, primarily driven by strong results in both commercial and wealth production volumes • Regular compensation decreased $2.5 million, reflecting normalization of quarterly compensation expense as the majority of transitional personnel costs from talent base alignment were recognized in the prior quarter • Excluding the impact of the FDIC special assessment adjustment in the prior quarter, non-personnel expense decreased $4.8 million, primarily related to lower professional fees 13 ($Million) Q1 2026 Q4 2025 Q1 2025 Quarterly Sequential Quarterly YOY Total Personnel Expense $211.2 $222.7 $214.2 (5.2)% (1.4)% Memo: Deferred compensation\*\* 0.2 2.4 (0.7) N/A N/A Total Personnel Expense (Excluding Deferred Compensation) $211.0 $220.3 $214.9 (4.2)% (1.8)% Non-Personnel Expense $143.0 $138.3 $133.3 3.4% 7.2% Total Operating Expense $354.2 $361.1 $347.5 (1.9)% 1.9% Efficiency Ratio\* 63.2% 60.7% 68.3% Adjusted Efficiency Ratio\* 63.2% 64.9% 68.2% \* Non-GAAP measure \*\*Other gains and losses, net includes deferred compensation losses of $1.8 million in Q1 2026, gains of $3.7 million in Q4 2025, and losses of $1.1 million in Q1 2025.

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Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic 2026 Full Year Outlook 14 Bold represents changes compared to the prior quarter. \*Refer to Slide #2 regarding forward looking statements, expectations above assume no change to economic environment. \*\*Non-GAAP measure. Refer to Form-10K furnished on February 18, 2026. Business Driver 2025 Actuals FY '26 As of 04/21/26\* Notes EOP Loans $25.7 billion 10% area Continuing our recent broad-based loan growth trends in our existing portfolio, and expansion of Mortgage Finance. EOP Inv Securities $15.4 billion Flat Net Interest Income $1.3 billion $1.42 to $1.45 billion Assumes no rate cuts in 2026, consistent with market implied forwards. Fees & Commissions $801 million $820 to $845 million Reflects mid-single-digit fee growth excluding trading, as a no-rate-cut outlook modestly shifts trading revenues toward fee income. Total Revenue $2.2 billion Mid single-digit growth rate Expenses $1.4 billion Low single-digit growth Efficiency Ratio\*\* 65.1% 63% area Provision Expense $2 million $15 to $35 million Credit outlook is strong. Assumes near 10% loan growth and a gradual migration toward more normal levels of credit performance.

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Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Question & Answer Session 15

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Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Stacy Kymes Chief Executive Officer 16

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Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Appendix 17

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Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Credit Resilience Disciplined Credit Concentration • CRE limit on total committed balances is 185% of tier one capital plus reserves • Office CRE outstandings only comprise 3% of total loans 18 100 year history in energy lending and a tested playbook • 72% oil / 28% gas-weighted borrowers • Robust stress testing process with 18 petroleum engineers and analysts on staff \* '26 YTD has been annualized for comparability with prior periods.

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Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Securities and Interest Rate Risk Position Interest Rate Risk • Approximately 76% of the total loan portfolio is variable rate or fixed rate that reprice within a year • Approximately 84% of Commercial and Commercial Real Estate portfolios are variable rate or fixed rate that reprice within a year • Sensitivity to betas - The impact of decreasing our deposit beta by 10% in a down -100 interest rate scenario is 0.13% on NII 19 Scenario Δ NII % Δ NII $ Down 200 Ramp, year 1 1.81% $26.9 million Down 100 Ramp, year 1 0.76% $11.2 million Up 100 Ramp, year 1 (0.81)% $(12.0) million Up 200 Ramp, year 1 (1.86)% $(27.6) million Securities Portfolio • Short duration with limited extension, current portfolio duration is 3.0 years, extending to only 3.6 years if rates increase 200 bps • RMBS portfolio is all "AAA" rated with average credit enhancement of ~18% • Portfolio runoff for Q1 2026 was $707 million 94% 5% 1% Govt/GSE Guaranteed RMBS Muni BOKF Securities by Guarantee Type 03/31/2026

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Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Quarterly Financial Summary 20

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Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Quarterly Financial Summary cont. 21

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Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic

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