BOK FINANCIAL CORP
For the period ended Sep 30, 2026. Filed Nov 3, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2026 · Filed Nov 3, 2026
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
(Mark One)
| ☒ | QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|---|
For the quarterly period ended September 30, 2026
OR
| ☐ | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|---|
For the transition period from _____________ to ______________
Commission File No.001-37811
BOK FINANCIAL CORP
(Exact name of registrant as specified in its charter)
| Oklahoma | 73-1373454 | ||
|---|---|---|---|
| (State or other jurisdictionof Incorporation or Organization) | (IRS EmployerIdentification No.) | ||
| Bank of Oklahoma Tower | |||
| Boston Avenue at Second Street | |||
| Tulsa, | Oklahoma | 74172 | |
| (Address of Principal Executive Offices) | (Zip Code) | ||
(918)588-6000
(Registrant’s telephone number, including area code)
| Securities registered pursuant to Section 12(b) of the Act: | ||
|---|---|---|
| Title of each class | Trading Symbol | Name of each exchange on which registered |
| Common Stock, par value $0.00006 per share | BOKF | Nasdaq Stock Market |
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ý No¨
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ý No¨
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.
Large accelerated filer ý Accelerated filer¨
Non-accelerated filer¨ Smaller reporting company☐
Emerging growth company☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.¨
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
Yes ☐ Noý
Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date:60,758,773 shares of common stock ($.00006 par value) as of September 30, 2026.
BOK Financial Corporation
Form 10-Q
Quarter Ended September 30, 2026
Index
| Glossary of Defined Terms | 1 |
|---|---|
| Part I. Financial Information | |
| Management's Discussion and Analysis of Financial Condition and Results of Operations (Item 2) | 2 |
| Market Risk (Item 3) | 38 |
| Controls and Procedures (Item 4) | 42 |
| Consolidated Financial Statements – Unaudited (Item 1) | 44 |
| Nine-Month Financial Summary – Unaudited (Item 2) | 95 |
| Quarterly Financial Summary – Unaudited (Item 2) | 96 |
| Quarterly Earnings Trends – Unaudited | 99 |
| Part II. Other Information | |
| Item 1. Legal Proceedings | 100 |
| Item 1A. Risk Factors | 100 |
| Item 2. Unregistered Sales of Equity Securities and Use of Proceeds | 100 |
| Item 5. Other Information | 100 |
| Item 6. Exhibits | 101 |
| Signatures | 102 |
GLOSSARY OF DEFINED TERMS
The following items may be used throughout this report, including the consolidated financial statements and related notes.
| Term | Definition |
|---|---|
| AFS | Available-For-Sale |
| AI | Artificial Intelligence |
| AOCI | Accumulated Other Comprehensive Income |
| ASC | Accounting Standards Codification |
| ASR | Accelerated Share Repurchase |
| ASU | Accounting Standards Update |
| ATM | Automated Teller Machine |
| Board | Board of Directors of BOK Financial Corporation |
| BOK Financial | BOK Financial Corporation |
| BOKF | BOK Financial Corporation |
| CECL | Current Expected Credit Losses |
| CODM | Chief Operating Decision Maker |
| Company | BOK Financial Corporation |
| EFT | Electronic Funds Transfer |
| FASB | Financial Accounting Standards Board |
| FDIC | Federal Deposit Insurance Corporation |
| FHLB | Federal Home Loan Bank |
| FTE | Full Time Equivalent |
| GAAP | Generally Accepted Accounting Principles in the United States of America |
| GDP | Gross Domestic Product |
| GNMA | Government National Mortgage Association |
| MMBtu | Million British Thermal Units |
| MPF | Mortgage Partnership Finance |
| MSR | Mortgage Servicing Rights |
| Nasdaq | National Association of Securities Dealers Automated Quotations |
| PPNR | Pre-Provision Net Revenue |
| RMHFS | Residential Mortgages Held for Sale |
| SEC | Securities and Exchange Commission |
| SOFR | Secured Overnight Financing Rate |
| SVaR | Stressed Value at Risk |
| VA | U.S. Department of Veterans Affairs |
| VaR | Value at Risk |
| WTI | West Texas Intermediate |
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