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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Oklahoma, the state note

BOKF National Association

Tulsa, Oklahoma · $52.98B in assets · beside the 11 other the Southwest banks over $10B (the state alone holds too few in the band to rank)

The filing

+11.5%
Loans, year over year
3rd of 12, largest first
0.54%
NPA / loans
4th of 12
1.9x
Coverage of noncurrent
4th of 11

BOKF National Association is the second largest of the 12 the Southwest banks nearest its size over $10B, with $52.98B in assets at 30 June 2026. Loans are 67.8% of deposits, 5th of 12 against a median of 80.3%, and equity is 10.8% of assets, 5th of 12. Loans grew +11.5% in the year, 3rd of 12, and deposits grew 4.0%; the cohort's median loan growth is +5.6%.

Noncurrent loans are 0.54% of the book, 4th of 12 against a median of 0.90%; 0.22% is 30 to 89 days past due, and the allowance covers them 1.9 times. Commercial real estate is 27.8% of loans, 7th of 12 against a median of 27.7%, and 131% of capital, below the 300% screen, with construction at 26% against the 100% screen.

Return on assets is 1.19%, 7th of 12 against a median of 1.25%, on an efficiency ratio of 62.4%, 8th of 12. Five years ago it was 1.28%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansSouthwest banks over $10B · 30 June 2026 · lower is stronger, listed first
median 0.90% CS Charles Schwab Premier Bank SS 0.00% PB Prosperity Bank 0.48% TC Texas Capital Bank 0.50% BN BOKF National Association 0.54% FB Frost Bank 0.55% FF First Financial Bank 0.77% PB Plainscapital Bank 1.03% B Bancfirst 1.19% N Nexbank 1.47% SB Sunflower Bank National Association 1.63% FU First United Bank & Trust Co. 1.69% MB MidFirst Bank 18.31%
Loans, year over yearSouthwest banks over $10B · 30 June 2026 · no better direction, largest first
median +5.6% SB Sunflower Bank National Association +77.5% PB Prosperity Bank +12.8% BN BOKF National Association +11.5% FB Frost Bank +8.1% B Bancfirst +7.1% PB Plainscapital Bank +6.9% TC Texas Capital Bank +4.3% FF First Financial Bank +3.2% MB MidFirst Bank +1.7% FU First United Bank & Trust Co. +0.1% N Nexbank -2.2% CS Charles Schwab Premier Bank SS -100.0%

SBA 7(a), FY2008 to FY2026

BOKF National Association is the 11th largest 7(a) lender into Colorado of 401, with $281M across 502 loans, 2.2% of everything approved in the state (Wells Fargo Bank National Association leads with $1.20B). 43 of its 70 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Colorado, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Maricopa, AZ$176M12th of 3032.3%-1.1 pts
Denver, CO$90M5th of 1934.6%-2.5 pts
Arapahoe, CO$44M8th of 1662.7%-1.3 pts
Adams, CO$39M8th of 1343.6%-1.8 pts
Jefferson, CO$31M12th of 1832.0%+0.1 pts
Boulder, CO$28M9th of 1443.3%-0.4 pts
Tulsa, OK$20M13th of 1591.8%-2.5 pts
Douglas, CO$14M14th of 1561.7%-0.1 pts
Dallas, TX$14M79th of 3140.2%+0.2 pts
Tarrant, TX$13M59th of 2810.4%-1.1 pts
El Paso, CO$13M21st of 1641.0%quiet FY2021
Harris, TX$12M96th of 3140.1%-0.5 pts
Jackson, MO$10M27th of 1831.0%quiet FY2022
57 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing138$102M17.3%0.26%68th of 2,246
Construction192$88M14.9%0.28%60th of 2,063
Professional & technical services202$85M14.3%0.26%51st of 1,955
Wholesale trade102$62M10.5%0.24%77th of 1,651
Health care & social assistance98$50M8.4%0.10%134th of 2,172
7(a) lenders into Colorado, share of approvals since FY2008401 lenders on record; the ten largest and BOKF National Association
WF Wells Fargo Bank National Associa… 9.6% $1.20B · 3,930 loans LO Live Oak Banking Company 7.6% $950M · 765 loans UB U.S. Bank, National Association 4.2% $527M · 3,267 loans HB Hanmi Bank 4.1% $513M · 612 loans SB Southstate Bank, National Associa… 3.3% $415M · 564 loans BB BMO Bank National Association 3.2% $398M · 568 loans Bo Bank of Hope 3.1% $393M · 559 loans KN KeyBank National Association 3.1% $384M · 1,029 loans JC JPMorgan Chase Bank, National Ass… 2.9% $364M · 1,874 loans TH The Huntington National Bank 2.9% $363M · 1,157 loans BN BOKF National Association 2.2% $281M · 502 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
BOKF National AssociationRankCohort median
Total CRE against capital, the 300% screen131%6th of 12146%
Construction against capital, the 100% screen26%5th of 1237%
Construction and land development, share of loans5.5%6th of 127.5%
Non-owner-occupied nonfarm nonresidential, share of loans14.8%8th of 1214.1%
Total CRE, the guidance definition, share of loans27.8%7th of 1227.7%
CRE growth over 36 months, the third prong+8.7%6th of 11+8.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Frost Bank$53.95B1.3%62.5%0.55%0.13%1.2%52.6%8.6%
BOKF National Association$52.98B1.2%62.4%0.54%0.02%1.0%67.8%10.8%
Prosperity Bank$43.88B1.4%51.1%0.48%0.35%1.5%76.0%18.5%
MidFirst Bank$42.83B1.4%52.9%18.31%0.06%0.6%132.4%9.8%
Texas Capital Bank$33.62B1.0%59.3%0.50%0.27%1.1%84.9%10.1%
Charles Schwab Premier Bank SS$26.58B1.5%14.9%0.00%0.00%0.0%0.0%7.9%
First United Bank & Trust Co.$16.59B0.9%71.5%1.69%0.06%1.0%96.0%9.7%
Sunflower Bank National Association$15.65B0.2%75.2%1.63%0.90%1.5%86.9%12.3%
First Financial Bank$15.23B1.7%44.9%0.77%-0.01%1.3%62.9%11.8%
Nexbank$14.16B1.1%50.8%1.47%0.06%0.4%84.5%8.4%
Bancfirst$12.80B1.7%50.6%1.19%0.11%1.3%64.7%11.2%
Plainscapital Bank$12.68B1.1%75.1%1.03%0.16%0.9%87.0%10.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
BOKF National AssociationCohort median
20212026Change20212026Change
Loans$21.54B$27.14B+26%$9.57B$12.25B+28%
Deposits$37.64B$40.02B+6%$16.20B$18.97B+17%
NPA / loans1.25%0.54%-0.71 pts0.61%0.90%+0.29 pts
Efficiency60.2%62.4%+2.2 pts57.6%56.1%-1.5 pts
ROA1.28%1.19%-0.09 pts1.32%1.25%-0.07 pts

This read was prepared for BOKF National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on BOKF National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Southwest banks over $10B
Institution www.bokfinancial.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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