BOK Financial (BOKF) investor relations material

Corporate overview and strategy

• Operates as a top 30 national/regional bank with a Midwest/Southwest franchise and 115 full-service locations across 8 states.

• Focuses on long-term value creation, with an 8.0% CAGR in EPS since 1995, outperforming the KRX median of 4.6%.

• Maintains a diversified business model across consumer, commercial, mortgage banking, transaction processing, broker/dealer, and wealth management.

Financial performance and outlook

• Q2 2026 net income was $176.5 million ($2.92 per diluted share), up from $155.8 million in Q1 2026.

• Net interest income grew 2.7% sequentially to $351.8 million, with a net interest margin of 2.91%.

• Period-end loans reached $27.1 billion, up 3.4% sequentially and 11.5% year-over-year; deposits at $39.9 billion.

• 2026 full-year outlook projects over 10% loan growth, net interest income of $1.42–$1.45 billion, and efficiency ratio near 62%.

Loan portfolio and credit quality

• Loan portfolio is diversified by sector and geography, with disciplined concentration management.

• Commercial loans grew 4.7% sequentially, with broad-based growth across all categories.

• Nonperforming assets (excluding government-guaranteed) are 0.20% of loans; net charge-offs averaged 3 bps over the last 12 months.

• Combined allowance for credit losses stands at $323 million (1.19% of loans); no provision for credit losses in Q2.