---
schema_version: "secwatch.filing_event.v1"
accession: "0000875357-23-000037"
form_type: "8-K"
ticker: "BOKF"
cik: "0000875357"
company_name: "BOK FINANCIAL CORP"
filed_at: "2023-07-26T23:59:59+00:00"
generated_at: "2026-06-13T02:36:09.144072+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# BOK Financial Q2 net income $151M ($2.27 EPS); net interest margin compressed to 3.00%

## Summary
- Net income $151.3M ($2.27 diluted EPS) vs $162.4M ($2.43) prior Q; fees revenue up $14.5M to $200.5M.
- Net interest margin fell to 3.00% from 3.45%; net interest revenue down $30.1M due to deposit repricing and asset growth.
- Loans grew $488M to $23.2B; deposits up $714M to $33.3B; loan-to-deposit ratio 70%.
- Provision for credit losses $17M; allowance/loans 1.39%; net charge-offs $6.7M (0.12% annualized).
- Repurchased 266K shares at avg $84.08; CET1 ratio 12.13%.

## SEC filing metadata
- accession: 0000875357-23-000037
- form_type: 8-K
- ticker: BOKF
- cik: 0000875357
- company_name: BOK FINANCIAL CORP
- filed_at: 2023-07-26T23:59:59+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/875357/000087535723000037/0000875357-23-000037-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/875357/000087535723000037/bokf-20230726.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000875357-23-000037
- JSON: https://secwatch.observer/filing/0000875357-23-000037.json
- Plain text: https://secwatch.observer/filing/0000875357-23-000037.txt

## Key facts
- Earnings Releases
  BOK FINANCIAL CORP reported financial results for the three and six months ended June 30, 2023.
  - Period: the three and six months ended June 30, 2023
  - Result: reported results
  source text: On July 26, 2023, BOK Financial Corporation (“BOK Financial”) issued a press release announcing its financial results for the three and six months ended June 30, 2023 (“Press Release”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/875357/000087535723000037/0000875357-23-000037-index.htm

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