---
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"
generated_at: "2026-06-16T14:51:14.287718+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# BOK Financial reports Q1 net income $162M ($2.43 EPS); margin compresses on deposit repricing

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000875357-23-000021
- JSON: https://secwatch.observer/filing/0000875357-23-000021.json
- Plain text: https://secwatch.observer/filing/0000875357-23-000021.txt

## Key facts
- Earnings Releases
  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.
  - Period: the three months ended March 31, 2023
  - Net income: $162.4 million or $2.43 per diluted share
  - EPS: $2.43 per diluted share
  - Result: reported results
  source text: Net income was $162.4 million or $2.43 per diluted share for the first quarter of 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/875357/000087535723000021/0000875357-23-000021-index.htm

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