{"schema_version":"secwatch.filing_event.v1","accession":"0000875357-23-000021","form_type":"8-K","ticker":"BOKF","cik":"0000875357","company_name":"BOK FINANCIAL CORP","filed_at":"2023-04-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.514502+00:00","generated_at":"2026-06-16T14:51:14.287718+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"BOK Financial reports Q1 net income $162M ($2.43 EPS); margin compresses on deposit repricing","bullets":["Net income of $162.4M, diluted EPS $2.43; pre-provision net revenue was second highest in history.","Net interest revenue $352.3M, margin 3.45% (down 9 bps) as funding costs rose; average loans up $500M.","Period-end deposits fell $1.9B to $32.6B; loan-to-deposit ratio increased to 70% from 65%.","Provision for credit losses $16.0M, driven by less favorable WTI oil price and CRE vacancy assumptions.","Tangible common equity ratio improved to 8.46% (7.63% Dec 2022); CET1 ratio 12.19%."],"urls":{"canonical":"https://secwatch.observer/filing/0000875357-23-000021","json":"https://secwatch.observer/filing/0000875357-23-000021.json","markdown":"https://secwatch.observer/filing/0000875357-23-000021.md","text":"https://secwatch.observer/filing/0000875357-23-000021.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/875357/000087535723000021/0000875357-23-000021-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/875357/000087535723000021/bokf-20230426.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T14:51:14.287718+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":"41785258583ce1909b50426eeeab8a9d787a72d1","claim":"BOK FINANCIAL CORP reported the three months ended March 31, 2023 results: net income $162.4 million or $2.43 per diluted share, EPS $2.43 per diluted share.","evidence_excerpt":"Net income was $162.4 million or $2.43 per diluted share for the first quarter of 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/875357/000087535723000021/0000875357-23-000021-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2023"},{"label":"Net income","value":"$162.4 million or $2.43 per diluted share"},{"label":"EPS","value":"$2.43 per diluted 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"}