---
schema_version: "secwatch.filing_event.v1"
accession: "0000875357-25-000023"
form_type: "8-K"
ticker: "BOKF"
cik: "0000875357"
company_name: "BOK FINANCIAL CORP"
filed_at: "2025-04-21T23:59:59+00:00"
generated_at: "2026-05-23T10:48:43.431624+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# BOK Financial Q1 net income $119.8M ($1.86 EPS) down from $136.2M; net interest margin expands to 2.78%

## Summary
- Net income $119.8M, diluted EPS $1.86; Q4'24 was $136.2M, $2.12.
- Net interest income $316.3M (+$3.2M QoQ); net interest margin 2.78% (+3 bps).
- Fees & commissions $184.1M, down $22.8M on lower brokerage/trading revenue.
- Period-end loans $23.7B (-$424M); nonperforming assets $85M (0.36%) vs $49M.
- CET1 ratio 13.31%, tangible common equity 9.48% (up 31 bps).

## SEC filing metadata
- accession: 0000875357-25-000023
- form_type: 8-K
- ticker: BOKF
- cik: 0000875357
- company_name: BOK FINANCIAL CORP
- filed_at: 2025-04-21T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- 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/875357/000087535725000023/0000875357-25-000023-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/875357/000087535725000023/bokf-20250421.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000875357-25-000023
- JSON: https://secwatch.observer/filing/0000875357-25-000023.json
- Plain text: https://secwatch.observer/filing/0000875357-25-000023.txt

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