---
schema_version: "secwatch.filing_event.v1"
accession: "0000875357-24-000003"
form_type: "8-K"
ticker: "BOKF"
cik: "0000875357"
company_name: "BOK FINANCIAL CORP"
filed_at: "2024-01-24T23:59:59+00:00"
generated_at: "2026-06-06T19:41:54.183150+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# BOK Financial Q4 net income $82.6M ($1.26 EPS); annual net income $531M ($8.02 EPS)

## Summary
- Q4 net income $82.6M ($1.26 EPS) vs Q3 $134.5M ($2.04); annual $530.7M ($8.02) vs $520.3M ($7.68) in 2022.
- Net interest revenue $296.7M, down $4.2M QoQ; net interest margin 2.64% vs 2.69%.
- Operating expense $384.1M, up $59.8M, including $43.8M FDIC special assessment (cut EPS $0.52).
- Period-end loans grew $181M to $23.9B; deposits up $367M to $34.0B; loan-to-deposit ratio 70%.
- Sold BOKF Insurance for $31.0M pre-tax gain; AFS securities losses $27.6M from portfolio repositioning.

## SEC filing metadata
- accession: 0000875357-24-000003
- form_type: 8-K
- ticker: BOKF
- cik: 0000875357
- company_name: BOK FINANCIAL CORP
- filed_at: 2024-01-24T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/875357/000087535724000003/0000875357-24-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/875357/000087535724000003/bokf-20240124.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000875357-24-000003
- JSON: https://secwatch.observer/filing/0000875357-24-000003.json
- Plain text: https://secwatch.observer/filing/0000875357-24-000003.txt

## Key facts
- Earnings Releases
  BOK FINANCIAL CORP reported financial results for three months and year ended December 31, 2023.
  - Period: three months and year ended December 31, 2023
  - Result: reported results
  source text: On January 24, 2024, BOK Financial Corporation (“BOK Financial”) issued a press release announcing its financial results for the three months and year ended December 31, 2023 (“Press Release”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/875357/000087535724000003/0000875357-24-000003-index.htm

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