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Jun 30, 2025
BOK Financial Q2 2025 Earnings Report
BOK Financial reported solid growth in Q2 2025 with strong loan expansion, record fee income, and improved margins.
Key Takeaways
BOK Financial delivered strong Q2 2025 results, driven by $602M loan growth, record fee income, and continued margin expansion while maintaining excellent credit quality.
Net income reached $140M with EPS of $2.19
Loans grew by $602M to $24.3B
Net interest income rose to $328.2M with margin expansion to 2.80%
Nonperforming assets declined to $81M, reflecting strong credit quality
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Management remains optimistic, citing strong liquidity, solid capital, and consistent fee income growth while closely monitoring market conditions.
Positive Outlook
- Strong liquidity and capital position to support future loan growth
- Continued net interest margin expansion
- Broad-based fee income growth, with record highs in several categories
- Exceptional credit quality maintained
- Share repurchases reflecting confidence in long-term performance
Challenges Ahead
- Higher operational losses impacting expenses
- Increased costs from ongoing technology projects
- Slight decrease in average deposits
- Energy loan balances declined, slightly offsetting growth
- Macroeconomic uncertainties may pressure loan demand in coming quarters
Historical Earnings Impact
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Avg. Return Before/After Earnings
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