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Mar 31
BOK Financial Q1 2025 Earnings Report
BOK Financial reported solid first quarter results with growing net interest income and strong capital ratios, despite market volatility.
Key Takeaways
BOK Financial posted a net income of $119.8 million for Q1 2025, with EPS at $1.86. Net interest income grew to $316.3 million, aided by an increase in net interest margin. Although fee-based revenues declined, capital and liquidity positions remained strong.
Net interest income increased to $316.3 million with a margin expansion to 2.78%
Fee and commission revenue declined due to lower trading activity
Credit quality remained solid with net charge-offs at just 0.02% of average loans
Tangible common equity ratio rose to 9.48%, showing strong capital levels
BOK Financial
BOK Financial
BOK Financial Revenue by Segment
BOK Financial Revenue by Geographic Location
Revenue by Segment
Commercial Banking Revenue
CapyFin.comConsumer Banking Revenue
CapyFin.comWealth Management Revenue
CapyFin.comRevenue by Geographic Location
Texas Revenue
CapyFin.comOklahoma Revenue
CapyFin.comColorado Revenue
CapyFin.comArizona Revenue
CapyFin.comKansas & Missouri Revenue
CapyFin.comNew Mexico Revenue
CapyFin.comArkansas Revenue
CapyFin.com Forward Guidance
The company expects continued strong credit quality and stable margins but remains cautious on fee-based revenue due to persistent market volatility.
Positive Outlook
- Net interest income momentum expected to continue
- Loan pipeline remains healthy, particularly in CRE and personal loans
- Strong capital and liquidity positions provide flexibility
- Continued strength in mortgage servicing revenue
- Positive impact from re-pricing of liabilities
Challenges Ahead
- Fee income remains pressured by low trading volumes
- Geopolitical tensions may impact client demand
- Loan growth hampered by weaker energy and healthcare sectors
- Margin compression risk if rate cuts continue
- Increased nonperforming assets in certain sectors