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Dec 31, 2025
BOK Financial Q4 2025 Earnings Report
BOK Financial posted strong fourth quarter results with record EPS and solid growth in commercial loans and fee-based businesses.
Key Takeaways
BOK Financial ended Q4 2025 with record earnings per share and strong performance in core banking segments. Net income rose to $177.3 million, driven by higher net interest income and increased revenue from fiduciary and asset management services.
Net income for Q4 reached $177.3 million with EPS of $2.89.
Adjusted EPS excluding special items was $2.48.
Strong loan growth of $786 million driven by commercial lending.
Fee revenue saw gains across fiduciary, trading, and card services.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
The company expects to continue building on its core commercial banking and diversified fee revenue strengths, while maintaining risk discipline amid economic uncertainty.
Positive Outlook
- Strong loan pipeline expected to support future growth.
- Continued expansion in fee-based revenue businesses.
- Healthy credit quality with low charge-offs.
- Improving operating efficiency through expense control.
- Strong capital position to support strategic investments.
Challenges Ahead
- Potential margin compression from interest rate shifts.
- Volatility in trading and investment banking revenues.
- Elevated competition for deposits.
- Decline in tangible common equity ratio.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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