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BOK Financial (BOKF) investor relations material
BOK Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Net income for Q2 2025 was $140M ($2.19 per share), up from $119.8M in Q1, driven by loan growth, strong fee income, and margin expansion.
Loans increased by $602M to $24.3B, with growth in CRE, core C&I, and individual loans; deposits remained stable at $38.2B.
Fee income rose 7.2% sequentially, with broad-based growth and several lines achieving record results.
Net interest margin expanded to 2.80%, and core net interest margin (excluding trading) rose to 3.12%.
Tangible common equity ratio reached 9.6%, and loan-to-deposit ratio was 64%.
Financial highlights
Net interest income increased for the fifth consecutive quarter, reaching $328.2M, with margin expansion and a loan-to-deposit ratio of 64%.
EPS was $2.19, up from $1.86 sequentially, but down from $2.54 year-over-year.
Efficiency ratio improved to 65.4% from 68.3% sequentially.
Nonperforming assets (NPAs) decreased to $74M (0.31% of loans), with net charge-offs at $561K.
Allowance for credit losses at $330M, or 1.36% of outstanding loans.
Outlook and guidance
Confident in full-year loan growth projections, expecting mid to upper single-digit growth, supported by strong Q2 results.
Net interest income for 2025 guided at $1.325–$1.375B, assuming two 25bp rate cuts by year-end.
Fees and commissions guidance unchanged, projected at $775–$825M, with momentum across business lines.
Provision expense expected below 2024 levels, with low charge-offs and strong credit outlook.
Management expects continued asset sensitivity and is monitoring interest rate risk closely.
Explain the increase in other expense.
Detail drivers of wealth mgmt revenue growth.
What is the outlook for energy loan balances?
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Next BOK Financial earnings date
Q3 202521 Oct, 2025
Next BOK Financial earnings date
Q3 202521 Oct, 2025
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Frequently asked questions
BOK Financial Corporation, through its subsidiaries, provides various financial products and services primarily in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. The company's Treasury Management segment offers various cash and liquidity management solutions for commercial businesses, financial institutions, not-for-profits and public sector entities. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.
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