Jon Arfstrom

Matt Olney

Woody Lay

Brett Rabatin

Michael Rose

Peter Winter

Jared Shaw

Timur Braziler

Benjamin Gerlinger

Timothy Mitchell

- BOKF reported **net income of $140.9 million**, or **$2.22 per diluted share**, for Q3 2025.  **[0000875357_2192140:4]** 
- The company's **net interest margin expanded 11 basis points to 2.91%** in Q3 2025.  **[0000875357_2192140:4]** 
- **Period-end loans grew $573 million or 2.4% to $24.9 billion** during Q3 2025, with asset quality remaining strong as **non-performing assets totaled $67 million or 0.27%** of outstanding loans and repossessed assets.  **[0000875357_2192140:4]** **[0000875357_2192140:5]** **[0000875357_2192140:7]** 
- For the **full year 2025**, BOKF projects **end-of-period loans to grow 5%-7%** and **net interest income to be between $1.325 billion and $1.35 billion**.  **[0000875357_2192140:11]**

BOKF Announces Q3 2025 Financial Results and Full-Year Outlook

- BOKF reported **Q3 2025 earnings of $140,900,000** or **$2.22 per diluted share**.  **[0000875357_2193895_1]** 
- The company achieved broad-based loan growth, with total outstanding balances **up 2.4% sequentially**, and net interest margin **expanded 11 basis points**.  **[0000875357_2193895_1]**  Fee income also grew **3.6% sequentially**, driven by record investment banking revenue.  **[0000875357_2193895_1]** 
- Capital levels remained robust, with **TCE at 10.1%** and **CET1 at 13.6%**, and the company repurchased **over 365,000 shares** at an average price of **$111 per share** during the quarter.  **[0000875357_2193895_1]** 
- For the full year 2025, BOKF updated its guidance, projecting loan growth of **5% to 7%**, net interest income between **$1,325,000,000 and $1,350,000,000**, and fees and commissions between **$775,000,000 and $810,000,000**.  **[0000875357_2193895_4]**  Credit quality remains strong, with a combined allowance for credit losses of **1.32% of outstanding loans**.  **[0000875357_2193895_1]** **[0000875357_2193895_2]**

BOKF Reports Strong Q3 2025 Earnings and Updates Full-Year Guidance

- BOKF reported **Q3 2025 earnings of $140.9 million** or **$2.22 per diluted share**.  **[0000875357_2193876_1]** 
- The company achieved **2.4% sequential loan growth**, adding nearly **$1.2 billion** in outstanding balances over the last two quarters, primarily in core CNI and commercial real estate.  **[0000875357_2193876_1]**  Net interest margin expanded by **11 basis points**, and fee income grew **3.6% sequentially**, including a **record $16.1 million** in investment banking revenue.  **[0000875357_2193876_1]** **[0000875357_2193876_3]** 
- Capital levels remained strong with tangible common equity at **10.1%** and CET1 at **13.6%**.  **[0000875357_2193876_1]**  BOKF repurchased over **365,000 shares** at an average price of **$111 per share**.  **[0000875357_2193876_1]** 
- Credit quality is robust, with an allowance for credit losses of **1.32%** of outstanding loans.  **[0000875357_2193876_1]** **[0000875357_2193876_2]**  For full-year 2025, BOKF projects loan growth of **5% to 7%**, net interest income between **$1.325 billion and $1.35 billion**, and fees and commissions between **$775 million and $810 million**.  **[0000875357_2193876_4]**

BOKF Reports Strong Q3 2025 Earnings, Loan Growth, and Margin Expansion

- BOK Financial reported strong **Q3 2025 financial results**, with **net income of $140.89 million** and **net interest income of $337.65 million**, alongside an improved net interest margin of **2.91%**.  **[875357_f5d762c822fa4376a57b7814751654b9]** 
- The company achieved significant **loan growth**, with period-end loans increasing by **$573 million** to **$24.9 billion** and average outstanding loans growing by **$650 million** to **$24.8 billion** in Q3.  **[875357_f5d762c822fa4376a57b7814751654b9]** 
- **Fee and commission revenue rose by $7.1 million to $204.4 million** in Q3, primarily driven by increased investment banking activity.  **[875357_f5d762c822fa4376a57b7814751654b9]** 
- BOK Financial maintained **solid capital ratios** (CET1 capital ratio of **13.61%**) and engaged in active capital management by repurchasing **365,547 shares** at an average price of **$111.00 per share** during the quarter.  **[875357_f5d762c822fa4376a57b7814751654b9]** 
- **Credit quality remained robust**, evidenced by a decline in nonperforming assets and minimal net charge-offs at **0.06%**.  **[875357_f5d762c822fa4376a57b7814751654b9]**

BOK Financial Reports Strong Q3 2025 Earnings and Loan Growth

- BOK Financial Corporation reported **net income** of **$140.9 million**, or **$2.22 per diluted share**, for the third quarter of 2025.  **[875357_0000875357-25-000054_a20250930bokfex99.htm:0]** **[875357_0000875357-25-000054_a20250930bokfearningscal.htm:1]** **[875357_0000875357-25-000054_a20250930bokfex99.htm:13]** **[875357_0000875357-25-000054_a20250930bokfex99.htm:14]** 
- **Net interest income** increased by **$9.5 million** to **$337.6 million**, with the **net interest margin** expanding **11 basis points** to **2.91%** in Q3 2025.  **[875357_0000875357-25-000054_a20250930bokfex99.htm:0]** **[875357_0000875357-25-000054_a20250930bokfearningscal.htm:3]** **[875357_0000875357-25-000054_a20250930bokfex99.htm:13]** **[875357_0000875357-25-000054_a20250930bokfex99.htm:14]** 
- **Period-end loans** grew by **$573 million** to **$24.9 billion** during the third quarter of 2025.  **[875357_0000875357-25-000054_a20250930bokfex99.htm:0]** **[875357_0000875357-25-000054_a20250930bokfearningscal.htm:1]** 
- **Operating expenses** rose by **$15.3 million** to **$369.8 million** in Q3 2025, mainly due to higher personnel costs.  **[875357_0000875357-25-000054_a20250930bokfex99.htm:0]** **[875357_0000875357-25-000054_a20250930bokfearningscal.htm:3]** **[875357_0000875357-25-000054_a20250930bokfex99.htm:13]** **[875357_0000875357-25-000054_a20250930bokfex99.htm:14]** 
- The company repurchased **365,547 shares** of common stock at an average price of **$111.00 per share** in the third quarter of 2025.  **[875357_0000875357-25-000054_a20250930bokfex99.htm:0]** **[875357_0000875357-25-000054_a20250930bokfex99.htm:6]** **[875357_0000875357-25-000054_a20250930bokfex99.htm:15]**

BOK Financial Reports Q3 2025 Earnings

- **Viamericas** has raised **$113.6 million** to accelerate the expansion of its global remittance network and enhance digital payment platforms.  **[875357_59950f454a7041c4af8f65d296011a47_0]** 
- The funding round was led by **Old National Bank**, with participation from **Bank of Oklahoma Financial**, Axos Bank, and U.S. Bank.  **[875357_59950f454a7041c4af8f65d296011a47_0]** 
- Viamericas' network currently serves **95 countries** with over **300,000 payout locations**, and offers direct account deposits to more than **2,700 major banks** and **107 mobile wallets** globally.  **[875357_59950f454a7041c4af8f65d296011a47_0]** **[875357_59950f454a7041c4af8f65d296011a47_1]** 
- **BOK Financial Corporation**, a participant in the funding, is a **$51 billion** regional financial services company with **$118 billion** in assets under management and administration.  **[875357_59950f454a7041c4af8f65d296011a47_2]**

BOK FINANCIAL (BOKF)