BOKF, National Association
Tulsa, Oklahoma, Tulsa County
$53.0B in total assets, the 51st largest of 4,309 US banks and 1st of 171 headquartered in Oklahoma.
- FDIC certificate
- 4214
- Established
- 1910
- Owned by
- Bok Financial Corp
- Primary regulator
- OCC
- Website
- www.bokfinancial.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $53.0B | 86% | $22.4B | |
| Loans | $27.1B | 81% | $14.4B | |
| Deposits | $40.0B | 86% | $18.0B | |
| Return on assets | 1.18% | 40% | 1.30% | |
| Net interest margin | 2.92% | 18% | 3.62% | |
| Efficiency ratio | 62.0% | 77% | 55.1% | |
| Equity to assets | 10.85% | 36% | 11.60% | |
| Loans to deposits | 68% | 12% | 87% |
Growth
Total assets grew 2.5% a year over the last 5 years and 5.2% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Mar 2019 | CoBiz Bank Denver, CO, an affiliate under the same holding company | $4.4B |
| Feb 2017 | Missouri Bank and Trust Company of Kansas City Kansas City, MO, an affiliate under the same holding company | $749M |
| Jan 2012 | (unknown, CERT 33884) , OK | $55M |
| Jan 2011 | Colorado State Bank and Trust, N. A. Denver, CO, an affiliate under the same holding company | $1.4B |
| Jan 2011 | Bank of Texas. National Association Dallas, TX, an affiliate under the same holding company | $5.6B |
| Jan 2011 | Bank of Arkansas, National Asssociation Fayetteville, AR, an affiliate under the same holding company | $284M |
| Jan 2011 | Bank of Arizona, National Association Phoenix, AZ, an affiliate under the same holding company | $288M |
| Jan 2011 | Bank of Albuquerque, National Association Albuquerque, NM, an affiliate under the same holding company | $1.9B |
| Jan 2011 | Bank of Kansas City, National Association Overland Park, KS, an affiliate under the same holding company | $253M |
| Oct 1999 | The First National Bank and Trust Company of Muskogee Muskogee, OK, an affiliate under the same holding company | $241M |
| Nov 1994 | Citizens Bank Muskogee, OK | $137M |
| Oct 1994 | Northwest Bank of Enid Enid, OK | $47M |
| May 1994 | Plaza National Bank of Bartlesville Bartlesville, OK | $91M |
| Oct 1993 | Heartland Federal Savings and Loan Association Ponca City, OK | $761M |
| May 1993 | Brookside State Bank Tulsa, OK | $111M |
| May 1993 | Sand Springs State Bank Sand Springs, OK | $61M |
| Jul 1992 | Bank of Oklahoma, National Association, South Oklahoma City, OK, an affiliate under the same holding company | $17M |
| Aug 1991 | Continental Federal Savings and Loan Association, F.A. Oklahoma City, OK | $230M |
| Nov 1989 | Bank of Oklahoma, Mercantile Center Tulsa, OK | $106M |
| Oct 1989 | Bank of Oklahoma, Lewis Center Tulsa, OK | $111M |
| Oct 1989 | Bank of Oklahoma, City Plaza Tulsa, OK | $90M |
| Oct 1989 | Bank of Oklahoma, Southwest Tulsa Tulsa, OK | $23M |
| Oct 1989 | Bank of Oklahoma, Broken Arrow, National Association Broken Arrow, OK | $20M |
| Mar 1989 | American National Bank of Midwest City Midwest City, OK | $49M |
| Aug 1988 | Bank of Oklahoma Grove Grove, OK | $47M |
| Aug 1987 | American Exchange Bank & Trust Company Norman, OK | $88M |
| Jul 1987 | The First National Bank of Yukon Yukon, OK | $40M |
| Nov 1986 | Bank of Oklahoma, Oklahoma City, National Association Oklahoma City, OK | $468M |
Where they operate
115 branches in 32 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Tulsa County, OK | $12.2B | 35.3% | 1 of 52 |
| Oklahoma County, OK | $7.1B | 15.0% | 2 of 60 |
| Dallas County, TX | $5.1B | 1.5% | 7 of 109 |
| Harris County, TX | $2.6B | 0.8% | 15 of 87 |
| Bernalillo County, NM | $2.4B | 14.1% | 3 of 25 |
| Denver County, CO | $2.4B | 3.9% | 8 of 45 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 22 branches since 2016 (137 to 115, −16.1%). 5 opened, 10 acquired, 37 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 137 | |||
| 2016 | Closed 4 in 3 states | 0 | 4 | −4 | 133 |
| 2017 | Acquired Missouri Bank and Trust Company of Kansas CityClosed 4 in 3 states | 4 | 4 | 0 | 133 |
| 2018 | Opened Newport Beach and Oklahoma CityClosed Ellicott City | 2 | 1 | +1 | 134 |
| 2019 | Acquired CoBiz BankClosed 5 in 3 states | 6 | 5 | +1 | 135 |
| 2020 | Closed 11 in 3 states | 0 | 11 | −11 | 124 |
| 2022 | Closed 8 in 5 states | 0 | 8 | −8 | 116 |
| 2023 | Opened Kansas CityClosed Albuquerque and Kansas City | 1 | 2 | −1 | 115 |
| 2024 | Opened The Woodlands | 1 | 0 | +1 | 116 |
| 2025 | Opened San AntonioClosed Oklahoma City | 1 | 2 | −1 | 115 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 35% | 17% | |
| Commercial real estate | 29% | 25% | |
| 1-4 family residential | 12% | 21% | |
| Multifamily | 8% | 8% | |
| Construction and land | 5% | 6% | |
| Consumer | 2% | 10% | |
| Other | 10% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 71% | 62% | |
| Noninterest-bearing | 20% | 20% | |
| Time deposits | 9% | 18% |
Brokered deposits are 4.7% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.53% | 0.63% |
| Net charge-offs, annualized | 0.02% | 0.14% |
| Reserves to loans | 1.02% | 1.15% |
| Leverage ratio | 9.29% | 10.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Oklahoma
Largest competitors in Tulsa County, OK
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/bokf