---
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"
generated_at: "2026-06-20T10:14:15.067559+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# BOK Financial reports Q4 EPS $2.51; annual EPS $7.68 vs $8.95 prior year; loans grow 3.5% Q/Q

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000875357-23-000003
- JSON: https://secwatch.observer/filing/0000875357-23-000003.json
- Plain text: https://secwatch.observer/filing/0000875357-23-000003.txt

## Key facts
- Earnings Releases
  BOK FINANCIAL CORP reported the three months ended December 31, 2022 results: net income $168 million, EPS $2.51 Per Share.
  - Period: the three months ended December 31, 2022
  - Net income: $168 million
  - EPS: $2.51 Per Share
  - Result: reported results
  source text: Quarterly Earnings of $168 million or $2.51 Per Share
  evidence_url: https://www.sec.gov/Archives/edgar/data/875357/000087535723000003/0000875357-23-000003-index.htm
- Earnings Releases
  BOK FINANCIAL CORP reported the fiscal year ended December 31, 2022 results: net income $520 million, EPS $7.68 Per Share.
  - Period: the fiscal year ended December 31, 2022
  - Net income: $520 million
  - EPS: $7.68 Per Share
  - Result: reported results
  source text: BOK Financial Corporation Reports Annual Earnings of $520 million or $7.68 Per Share
  evidence_url: https://www.sec.gov/Archives/edgar/data/875357/000087535723000003/0000875357-23-000003-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.