{"schema_version":"secwatch.filing_event.v1","accession":"0000875357-23-000003","form_type":"8-K","ticker":"BOKF","cik":"0000875357","company_name":"BOK FINANCIAL CORP","filed_at":"2023-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.345854+00:00","generated_at":"2026-06-20T10:14:15.067559+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"BOK Financial reports Q4 EPS $2.51; annual EPS $7.68 vs $8.95 prior year; loans grow 3.5% Q/Q","bullets":["Net income $168.4M Q4 ($2.51 diluted); annual net income $520.3M ($7.68) vs $618.1M ($8.95) prior year.","Net interest revenue $352.6M (+$36.3M Q/Q); net interest margin expanded 30bps to 3.54%.","Loans grew $767M to $22.6B at Dec 31; provision for credit losses $15M, similar to prior quarter.","Average deposits down $1.6B to $35.5B; period-end deposits down $1.9B; loan-to-deposit ratio 65%.","Repurchased 314k shares at avg $103.14 in Q4; CET1 ratio 11.69%."],"urls":{"canonical":"https://secwatch.observer/filing/0000875357-23-000003","json":"https://secwatch.observer/filing/0000875357-23-000003.json","markdown":"https://secwatch.observer/filing/0000875357-23-000003.md","text":"https://secwatch.observer/filing/0000875357-23-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/875357/000087535723000003/0000875357-23-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/875357/000087535723000003/bokf-20230125.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T10:14:15.067559+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"14cfaecb5d60582c09b5727ff5ab5a0e22b4e3b6","claim":"BOK FINANCIAL CORP reported the three months ended December 31, 2022 results: net income $168 million, EPS $2.51 Per Share.","evidence_excerpt":"Quarterly Earnings of $168 million or $2.51 Per Share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/875357/000087535723000003/0000875357-23-000003-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended December 31, 2022"},{"label":"Net income","value":"$168 million"},{"label":"EPS","value":"$2.51 Per Share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"16c6712a417cb70b93cd13380bd37b46cf607f69","claim":"BOK FINANCIAL CORP reported the fiscal year ended December 31, 2022 results: net income $520 million, EPS $7.68 Per Share.","evidence_excerpt":"BOK Financial Corporation Reports Annual Earnings of $520 million or $7.68 Per Share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/875357/000087535723000003/0000875357-23-000003-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fiscal year ended December 31, 2022"},{"label":"Net income","value":"$520 million"},{"label":"EPS","value":"$7.68 Per Share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}