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Sep 30, 2025
BOK Financial Q3 2025 Earnings Report
BOK Financial reported strong third quarter results with steady net income and expanding interest margins.
Key Takeaways
BOK Financial delivered a solid Q3 2025, with net income of $140.9M and EPS of $2.22. The company saw strong loan growth and higher interest income, though operating expenses also rose. Investment banking revenue hit a quarterly high, and deposits increased modestly.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
BOK Financial expects to build on strong Q3 momentum into Q4, focusing on growth in lending, fee income, and efficiency.
Positive Outlook
- Loan growth of $573M expected to continue
- Net interest margin expanded to 2.91%
- Strong growth in wealth management AUM to $122.7B
- Investment banking revenue hit a quarterly record
- Solid capital position with CET1 at 13.60%
Challenges Ahead
- Operating expenses rose by $15.3M
- Mortgage banking costs increased significantly
- Consumer banking pre-tax income declined 41%
- Some credit quality metrics showed modest volatility
- Deposit demand balances declined $92M
Historical Earnings Impact
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Avg. Return Before/After Earnings
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