---
schema_version: "secwatch.filing_event.v1"
accession: "0000875357-25-000039"
form_type: "8-K"
ticker: "BOKF"
cik: "0000875357"
company_name: "BOK FINANCIAL CORP"
filed_at: "2025-07-21T23:59:59+00:00"
generated_at: "2026-05-18T05:30:10.353010+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# BOK Financial Q2 net income $140M ($2.19 EPS) vs $119.8M ($1.86) in Q1; NII up 3.8%

## Summary
- Net income $140M ($2.19 diluted EPS) vs $119.8M ($1.86) in Q1 2025; revenue growth from NII and fees.
- Net interest income $328.2M (+$11.9M); net margin expanded 2 bps to 2.80%; core NIM excl. trading up 7 bps to 3.12%.
- Fees & commissions $197.3M, up $13.2M, led by brokerage (+$7.1M), fiduciary (+$3.0M), and transaction card (+$2.5M).
- Loans grew $602M to $24.3B, led by CRE (+$358M) and individuals (+$263M); nonperforming assets fell to $81M (0.33%) from $85M.
- Repurchased 663K shares at avg $93.99; tangible common equity ratio 9.63% (up from 9.48%); no provision for credit losses.

## SEC filing metadata
- accession: 0000875357-25-000039
- form_type: 8-K
- ticker: BOKF
- cik: 0000875357
- company_name: BOK FINANCIAL CORP
- filed_at: 2025-07-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/875357/000087535725000039/0000875357-25-000039-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/875357/000087535725000039/bokf-20250721.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000875357-25-000039
- JSON: https://secwatch.observer/filing/0000875357-25-000039.json
- Plain text: https://secwatch.observer/filing/0000875357-25-000039.txt

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