BOK FINANCIAL CORP

The following table provides summary information concerning the compensation of the named executive officers for the past three fiscal years.

(1)The amounts in column (e) are the grant date fair value of the non-vested stock. Kymes and Grauer were issued restricted stock awards in all years; Vincent and Wade were issued restricted stock awards in 2024 and 2025 and restricted stock units units in 2023; Grunst was issued restricted stock units in all years.

(2)The amounts in column (g) reflect the annual cash awards made pursuant to the Executive Incentive Plan, which is discussed in further detail on page 36 under the heading “Executive Incentive Compensation.” Incentive amounts are paid at a targeted percentile of our Pay Peers.

(3)The amounts in column (h) include (i) the actuarial increase in the present value of the named executive officer’s benefits under the Company pension plan using a discount rate defined in the Pension Plan and (ii) Nonqualified Deferred Compensation Earnings further described in column (d) of the Nonqualified Deferred Compensation Table on page 48. Executives who did not have the ability to defer income or who chose not to defer income are not required to disclose investment income on the Summary Compensation Table.

(4)The amounts in column (i) for 2025 are derived from: Company matching contributions to the BOKF Thrift Plan as follows: Kymes, $42,000; Grunst, $42,000; Grauer, $42,000; Vincent, $42,000; and Wade, $42,000; executive life insurance benefits as follows: Kymes, $2,179; Grunst, $3,255; Grauer, $3,980; Vincent, $6,102; and Wade, $4,401; an executive wellness benefit for named executive officers and spouses as follows: Kymes, $3,600; Grunst, $4,000; Grauer, $3,600; Vincent, $3,600; Wade did not participate; a medical supplement for named executive officers as follows: Kymes, $3,220; Grunst, $2,539; Grauer, $3,220; and Vincent, $2,539; dividend equivalents paid on the distribution of 2022 service-based restricted stock units and performance-based restricted units, as applicable, as follows: Kymes, $112,901; Grunst, $24,931; Grauer, $26,715; Vincent, $13,825; and Wade, $2,049; and trip earnings (personal portion of a trip such as an accompanying spouse), as follows: Kymes, $2,357; Grauer, $10,973; Vincent, $3,599; and Wade, $4,953.

2025 Pay Ratio Disclosure

For purposes of calculating the 2025 ratio of the median annual total compensation of all Company employees to the total annual compensation of the Company’s Chief Executive Officer, the Company included in its calculation of compensation: base salary, commissions, annual bonus amounts, stock-based compensation, other incentive payments (including sign-on bonuses), and other forms of compensation, including Company 401(k) match. The Company used December 31, 2025 as its measurement date. On December 31, 2025, the Company had 5,034 employees nationwide, excluding the Chief Executive Officer. Compensation amounts were annualized for any employee who had less than a full year of service during 2025. Total 2025 compensation for Stacy C. Kymes, the Company’s Chief Executive Officer, was determined to be $5,275,259 and was approximately 47 times the median annual compensation of all Company employees (excluding the Chief Executive Officer) of $112,455.