BOK Financial Q3 net income $159.9M, EPS $2.64; NIM rises to 3.00% on $646M loan growth

BOK FINANCIAL CORP

Q3 2026 net income $159.9M, or $2.64/diluted share, vs $176.5M/$2.92 in Q2; prior-quarter adjusted was $156.5M/$2.59 excluding Visa B gain and AFS repositioning loss.
Net interest income $370.0M, up $18.1M QoQ; NIM 3.00% vs 2.91%, and core NIM excluding trading 3.21% vs 3.13%.
Fees and commissions fell to $188.0M from $202.0M; brokerage/trading revenue dropped $13.0M (-40.1%) to $19.5M on lower fixed-income volumes and unfavorable rates.
Period-end loans rose $646M to $27.7B, led by energy +$264M, industrial CRE +$166M and mortgage finance +$137M; deposits fell $324M to $39.5B.
NPAs $67M (0.24%); net charge-offs $886K (0.01% annualized); no provision needed; CET1 12.73% and TCE 9.16%, down from 12.89%/9.61%.

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