---
schema_version: "secwatch.filing_event.v1"
accession: "0000875357-26-000054"
form_type: "8-K"
ticker: "BOKF"
cik: "0000875357"
company_name: "BOK FINANCIAL CORP"
filed_at: "2026-10-19T20:06:52+00:00"
generated_at: "2026-10-19T20:08:21.754736+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.62
calibrated_materiality_score: 0.62
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- accession: 0000875357-26-000054
- form_type: 8-K
- ticker: BOKF
- cik: 0000875357
- company_name: BOK FINANCIAL CORP
- filed_at: 2026-10-19T20:06:52+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.62
- calibrated_materiality_score: 0.62
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/875357/000087535726000054/0000875357-26-000054-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/875357/000087535726000054/bokf-20261019.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000875357-26-000054
- JSON: https://secwatch.observer/filing/0000875357-26-000054.json
- Plain text: https://secwatch.observer/filing/0000875357-26-000054.txt

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