0000875357December 312024Q3FALSEhttp://fasb.org/us-gaap/2024#OtherAssetsxbrli:sharesiso4217:USDiso4217:USDxbrli:sharesxbrli:pure00008753572024-01-012024-09-3000008753572024-09-3000008753572024-07-012024-09-3000008753572023-07-012023-09-3000008753572023-01-012023-09-300000875357bokf:BrokerageandtradingrevenueMember2024-07-012024-09-300000875357bokf:BrokerageandtradingrevenueMember2023-07-012023-09-300000875357bokf:BrokerageandtradingrevenueMember2024-01-012024-09-300000875357bokf:BrokerageandtradingrevenueMember2023-01-012023-09-300000875357bokf:TransactioncardrevenueMember2024-07-012024-09-300000875357bokf:TransactioncardrevenueMember2023-07-012023-09-300000875357bokf:TransactioncardrevenueMember2024-01-012024-09-300000875357bokf:TransactioncardrevenueMember2023-01-012023-09-300000875357us-gaap:FiduciaryAndTrustMember2024-07-012024-09-300000875357us-gaap:FiduciaryAndTrustMember2023-07-012023-09-300000875357us-gaap:FiduciaryAndTrustMember2024-01-012024-09-300000875357us-gaap:FiduciaryAndTrustMember2023-01-012023-09-300000875357us-gaap:DepositAccountMember2024-07-012024-09-300000875357us-gaap:DepositAccountMember2023-07-012023-09-300000875357us-gaap:DepositAccountMember2024-01-012024-09-300000875357us-gaap:DepositAccountMember2023-01-012023-09-300000875357us-gaap:MortgageBankingMember2024-07-012024-09-300000875357us-gaap:MortgageBankingMember2023-07-012023-09-300000875357us-gaap:MortgageBankingMember2024-01-012024-09-300000875357us-gaap:MortgageBankingMember2023-01-012023-09-300000875357us-gaap:FinancialServiceOtherMember2024-07-012024-09-300000875357us-gaap:FinancialServiceOtherMember2023-07-012023-09-300000875357us-gaap:FinancialServiceOtherMember2024-01-012024-09-300000875357us-gaap:FinancialServiceOtherMember2023-01-012023-09-3000008753572023-12-3100008753572023-09-300000875357us-gaap:CommonStockMember2024-06-300000875357us-gaap:AdditionalPaidInCapitalMember2024-06-300000875357us-gaap:RetainedEarningsMember2024-06-300000875357us-gaap:TreasuryStockCommonMember2024-06-300000875357us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-06-300000875357us-gaap:ParentMember2024-06-300000875357us-gaap:NoncontrollingInterestMember2024-06-3000008753572024-06-300000875357us-gaap:RetainedEarningsMember2024-07-012024-09-300000875357us-gaap:ParentMember2024-07-012024-09-300000875357us-gaap:NoncontrollingInterestMember2024-07-012024-09-300000875357us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-07-012024-09-300000875357us-gaap:TreasuryStockCommonMember2024-07-012024-09-300000875357us-gaap:CommonStockMember2024-07-012024-09-300000875357us-gaap:AdditionalPaidInCapitalMember2024-07-012024-09-300000875357us-gaap:CommonStockMember2024-09-300000875357us-gaap:AdditionalPaidInCapitalMember2024-09-300000875357us-gaap:RetainedEarningsMember2024-09-300000875357us-gaap:TreasuryStockCommonMember2024-09-300000875357us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-09-300000875357us-gaap:ParentMember2024-09-300000875357us-gaap:NoncontrollingInterestMember2024-09-300000875357us-gaap:CommonStockMember2023-12-310000875357us-gaap:AdditionalPaidInCapitalMember2023-12-310000875357us-gaap:RetainedEarningsMember2023-12-310000875357us-gaap:TreasuryStockCommonMember2023-12-310000875357us-gaap:AccumulatedOtherComprehensiveIncomeMember2023-12-310000875357us-gaap:ParentMember2023-12-310000875357us-gaap:NoncontrollingInterestMember2023-12-310000875357us-gaap:RetainedEarningsMember2024-01-012024-09-300000875357us-gaap:ParentMember2024-01-012024-09-300000875357us-gaap:NoncontrollingInterestMember2024-01-012024-09-300000875357us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-01-012024-09-300000875357us-gaap:TreasuryStockCommonMember2024-01-012024-09-300000875357us-gaap:CommonStockMember2024-01-012024-09-300000875357us-gaap:AdditionalPaidInCapitalMember2024-01-012024-09-300000875357us-gaap:CommonStockMember2023-06-300000875357us-gaap:AdditionalPaidInCapitalMember2023-06-300000875357us-gaap:RetainedEarningsMember2023-06-300000875357us-gaap:TreasuryStockCommonMember2023-06-300000875357us-gaap:AccumulatedOtherComprehensiveIncomeMember2023-06-300000875357us-gaap:ParentMember2023-06-300000875357us-gaap:NoncontrollingInterestMember2023-06-3000008753572023-06-300000875357us-gaap:RetainedEarningsMember2023-07-012023-09-300000875357us-gaap:ParentMember2023-07-012023-09-300000875357us-gaap:NoncontrollingInterestMember2023-07-012023-09-300000875357us-gaap:AccumulatedOtherComprehensiveIncomeMember2023-07-012023-09-300000875357us-gaap:TreasuryStockCommonMember2023-07-012023-09-300000875357us-gaap:CommonStockMember2023-07-012023-09-300000875357us-gaap:AdditionalPaidInCapitalMember2023-07-012023-09-300000875357us-gaap:CommonStockMember2023-09-300000875357us-gaap:AdditionalPaidInCapitalMember2023-09-300000875357us-gaap:RetainedEarningsMember2023-09-300000875357us-gaap:TreasuryStockCommonMember2023-09-300000875357us-gaap:AccumulatedOtherComprehensiveIncomeMember2023-09-300000875357us-gaap:ParentMember2023-09-300000875357us-gaap:NoncontrollingInterestMember2023-09-300000875357us-gaap:CommonStockMember2022-12-310000875357us-gaap:AdditionalPaidInCapitalMember2022-12-310000875357us-gaap:RetainedEarningsMember2022-12-310000875357us-gaap:TreasuryStockCommonMember2022-12-310000875357us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-12-310000875357us-gaap:ParentMember2022-12-310000875357us-gaap:NoncontrollingInterestMember2022-12-3100008753572022-12-310000875357us-gaap:RetainedEarningsMember2023-01-012023-09-300000875357us-gaap:ParentMember2023-01-012023-09-300000875357us-gaap:NoncontrollingInterestMember2023-01-012023-09-300000875357us-gaap:AccumulatedOtherComprehensiveIncomeMember2023-01-012023-09-300000875357us-gaap:TreasuryStockCommonMember2023-01-012023-09-300000875357us-gaap:CommonStockMember2023-01-012023-09-300000875357us-gaap:AdditionalPaidInCapitalMember2023-01-012023-09-300000875357us-gaap:USTreasuryAndGovernmentMember2024-09-300000875357us-gaap:USTreasuryAndGovernmentMember2023-12-310000875357us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-09-300000875357us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2023-12-310000875357us-gaap:USStatesAndPoliticalSubdivisionsMember2024-09-300000875357us-gaap:USStatesAndPoliticalSubdivisionsMember2023-12-310000875357us-gaap:OtherDebtSecuritiesMember2024-09-300000875357us-gaap:OtherDebtSecuritiesMember2023-12-310000875357us-gaap:CommercialMortgageBackedSecuritiesMember2024-09-300000875357us-gaap:CommercialMortgageBackedSecuritiesMember2023-12-3100008753572023-01-012023-12-310000875357us-gaap:FixedIncomeSecuritiesMember2024-09-300000875357us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-07-012024-09-300000875357us-gaap:USTreasurySecuritiesMember2024-09-300000875357us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2024-09-300000875357us-gaap:USTreasurySecuritiesMember2023-12-310000875357us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2023-12-310000875357us-gaap:ResidentialMortgageBackedSecuritiesMember2024-09-300000875357us-gaap:ResidentialMortgageBackedSecuritiesMember2024-07-012024-09-300000875357us-gaap:AssetPledgedAsCollateralWithRightMember2024-09-300000875357us-gaap:AssetPledgedAsCollateralWithRightMember2023-12-310000875357us-gaap:InterestRateSwapMemberus-gaap:NondesignatedMember2024-09-300000875357us-gaap:EnergyRelatedDerivativeMemberus-gaap:NondesignatedMember2024-09-300000875357us-gaap:ForeignExchangeContractMemberus-gaap:NondesignatedMember2024-09-300000875357us-gaap:EquitySwapMemberus-gaap:NondesignatedMember2024-09-300000875357bokf:CustomerRiskManagementProgramsMemberus-gaap:NondesignatedMember2024-09-300000875357bokf:TradingMemberus-gaap:NondesignatedMember2024-09-300000875357bokf:InternalRiskManagementProgramsMemberus-gaap:NondesignatedMember2024-09-300000875357us-gaap:NondesignatedMember2024-09-300000875357us-gaap:InterestRateSwapMemberus-gaap:NondesignatedMember2023-12-310000875357us-gaap:EnergyRelatedDerivativeMemberus-gaap:NondesignatedMember2023-12-310000875357us-gaap:ForeignExchangeContractMemberus-gaap:NondesignatedMember2023-12-310000875357us-gaap:EquitySwapMemberus-gaap:NondesignatedMember2023-12-310000875357bokf:CustomerRiskManagementProgramsMemberus-gaap:NondesignatedMember2023-12-310000875357bokf:TradingMemberus-gaap:NondesignatedMember2023-12-310000875357bokf:InternalRiskManagementProgramsMemberus-gaap:NondesignatedMember2023-12-310000875357us-gaap:NondesignatedMember2023-12-310000875357us-gaap:InterestRateSwapMemberus-gaap:NondesignatedMember2024-07-012024-09-300000875357us-gaap:InterestRateSwapMemberus-gaap:NondesignatedMember2023-07-012023-09-300000875357us-gaap:EnergyRelatedDerivativeMemberus-gaap:NondesignatedMember2024-07-012024-09-300000875357us-gaap:EnergyRelatedDerivativeMemberus-gaap:NondesignatedMember2023-07-012023-09-300000875357us-gaap:ForeignExchangeContractMemberus-gaap:NondesignatedMember2024-07-012024-09-300000875357us-gaap:ForeignExchangeContractMemberus-gaap:NondesignatedMember2023-07-012023-09-300000875357us-gaap:EquitySwapMemberus-gaap:NondesignatedMember2024-07-012024-09-300000875357us-gaap:EquitySwapMemberus-gaap:NondesignatedMember2023-07-012023-09-300000875357bokf:CustomerRiskManagementProgramsMemberus-gaap:NondesignatedMember2024-07-012024-09-300000875357bokf:CustomerRiskManagementProgramsMemberus-gaap:NondesignatedMember2023-07-012023-09-300000875357bokf:TradingMemberus-gaap:NondesignatedMember2024-07-012024-09-300000875357bokf:TradingMemberus-gaap:NondesignatedMember2023-07-012023-09-300000875357bokf:InternalRiskManagementProgramsMemberus-gaap:NondesignatedMember2024-07-012024-09-300000875357bokf:InternalRiskManagementProgramsMemberus-gaap:NondesignatedMember2023-07-012023-09-300000875357us-gaap:NondesignatedMember2024-07-012024-09-300000875357us-gaap:NondesignatedMember2023-07-012023-09-300000875357us-gaap:InterestRateSwapMemberus-gaap:NondesignatedMember2024-01-012024-09-300000875357us-gaap:InterestRateSwapMemberus-gaap:NondesignatedMember2023-01-012023-09-300000875357us-gaap:EnergyRelatedDerivativeMemberus-gaap:NondesignatedMember2024-01-012024-09-300000875357us-gaap:EnergyRelatedDerivativeMemberus-gaap:NondesignatedMember2023-01-012023-09-300000875357us-gaap:ForeignExchangeContractMemberus-gaap:NondesignatedMember2024-01-012024-09-300000875357us-gaap:ForeignExchangeContractMemberus-gaap:NondesignatedMember2023-01-012023-09-300000875357us-gaap:EquitySwapMemberus-gaap:NondesignatedMember2024-01-012024-09-300000875357us-gaap:EquitySwapMemberus-gaap:NondesignatedMember2023-01-012023-09-300000875357bokf:CustomerRiskManagementProgramsMemberus-gaap:NondesignatedMember2024-01-012024-09-300000875357bokf:CustomerRiskManagementProgramsMemberus-gaap:NondesignatedMember2023-01-012023-09-300000875357bokf:TradingMemberus-gaap:NondesignatedMember2024-01-012024-09-300000875357bokf:TradingMemberus-gaap:NondesignatedMember2023-01-012023-09-300000875357bokf:InternalRiskManagementProgramsMemberus-gaap:NondesignatedMember2024-01-012024-09-300000875357bokf:InternalRiskManagementProgramsMemberus-gaap:NondesignatedMember2023-01-012023-09-300000875357us-gaap:NondesignatedMember2024-01-012024-09-300000875357us-gaap:NondesignatedMember2023-01-012023-09-300000875357us-gaap:CommercialPortfolioSegmentMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMember2023-12-310000875357us-gaap:CommercialRealEstatePortfolioSegmentMember2024-09-300000875357us-gaap:CommercialRealEstatePortfolioSegmentMember2023-12-310000875357bokf:LoanstoindividualsMember2024-09-300000875357bokf:LoanstoindividualsMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMember2024-06-300000875357us-gaap:CommercialRealEstatePortfolioSegmentMember2024-06-300000875357bokf:LoanstoindividualsMember2024-06-300000875357us-gaap:CommercialPortfolioSegmentMember2024-07-012024-09-300000875357us-gaap:CommercialRealEstatePortfolioSegmentMember2024-07-012024-09-300000875357bokf:LoanstoindividualsMember2024-07-012024-09-300000875357us-gaap:CommercialPortfolioSegmentMember2024-01-012024-09-300000875357us-gaap:CommercialRealEstatePortfolioSegmentMember2024-01-012024-09-300000875357bokf:LoanstoindividualsMember2024-01-012024-09-300000875357us-gaap:CommercialPortfolioSegmentMember2023-06-300000875357us-gaap:CommercialRealEstatePortfolioSegmentMember2023-06-300000875357bokf:LoanstoindividualsMember2023-06-300000875357us-gaap:CommercialPortfolioSegmentMember2023-07-012023-09-300000875357us-gaap:CommercialRealEstatePortfolioSegmentMember2023-07-012023-09-300000875357bokf:LoanstoindividualsMember2023-07-012023-09-300000875357us-gaap:CommercialPortfolioSegmentMember2023-09-300000875357us-gaap:CommercialRealEstatePortfolioSegmentMember2023-09-300000875357bokf:LoanstoindividualsMember2023-09-300000875357us-gaap:CommercialPortfolioSegmentMember2022-12-310000875357us-gaap:CommercialRealEstatePortfolioSegmentMember2022-12-310000875357bokf:LoanstoindividualsMember2022-12-310000875357us-gaap:CommercialPortfolioSegmentMember2023-01-012023-09-300000875357us-gaap:CommercialRealEstatePortfolioSegmentMember2023-01-012023-09-300000875357bokf:LoanstoindividualsMember2023-01-012023-09-300000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:PassMemberus-gaap:PerformingFinancingReceivableMemberus-gaap:HealthCareMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:SpecialMentionMemberus-gaap:PerformingFinancingReceivableMemberus-gaap:HealthCareMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:PerformingFinancingReceivableMemberus-gaap:HealthCareMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberbokf:NonaccruingsubstandardanddoubtfulMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:HealthCareMember2024-09-300000875357us-gaap:HealthCareMemberus-gaap:CommercialPortfolioSegmentMember2024-09-300000875357us-gaap:HealthCareMemberus-gaap:CommercialPortfolioSegmentMember2024-01-012024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:PassMemberus-gaap:PerformingFinancingReceivableMemberbokf:ServicesMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:SpecialMentionMemberus-gaap:PerformingFinancingReceivableMemberbokf:ServicesMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:PerformingFinancingReceivableMemberbokf:ServicesMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberbokf:NonaccruingsubstandardanddoubtfulMemberus-gaap:NonperformingFinancingReceivableMemberbokf:ServicesMember2024-09-300000875357bokf:ServicesMemberus-gaap:CommercialPortfolioSegmentMember2024-09-300000875357bokf:ServicesMemberus-gaap:CommercialPortfolioSegmentMember2024-01-012024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:PassMemberus-gaap:PerformingFinancingReceivableMemberbokf:EnergyMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:SpecialMentionMemberus-gaap:PerformingFinancingReceivableMemberbokf:EnergyMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:PerformingFinancingReceivableMemberbokf:EnergyMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberbokf:NonaccruingsubstandardanddoubtfulMemberus-gaap:NonperformingFinancingReceivableMemberbokf:EnergyMember2024-09-300000875357bokf:EnergyMemberus-gaap:CommercialPortfolioSegmentMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:PassMemberus-gaap:PerformingFinancingReceivableMemberbokf:GeneralbusinessmemberMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:SpecialMentionMemberus-gaap:PerformingFinancingReceivableMemberbokf:GeneralbusinessmemberMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:PerformingFinancingReceivableMemberbokf:GeneralbusinessmemberMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberbokf:NonaccruingsubstandardanddoubtfulMemberus-gaap:NonperformingFinancingReceivableMemberbokf:GeneralbusinessmemberMember2024-09-300000875357bokf:GeneralbusinessmemberMemberus-gaap:CommercialPortfolioSegmentMember2024-09-300000875357bokf:GeneralbusinessmemberMemberus-gaap:CommercialPortfolioSegmentMember2024-01-012024-09-300000875357us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:PassMemberus-gaap:PerformingFinancingReceivableMember2024-09-300000875357us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:SpecialMentionMemberus-gaap:PerformingFinancingReceivableMember2024-09-300000875357us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:PerformingFinancingReceivableMember2024-09-300000875357us-gaap:CommercialRealEstatePortfolioSegmentMemberbokf:NonaccruingsubstandardanddoubtfulMemberus-gaap:NonperformingFinancingReceivableMember2024-09-300000875357bokf:LoanstoindividualsMemberus-gaap:PassMemberus-gaap:PerformingFinancingReceivableMemberus-gaap:ResidentialPortfolioSegmentMember2024-09-300000875357bokf:LoanstoindividualsMemberus-gaap:SpecialMentionMemberus-gaap:PerformingFinancingReceivableMemberus-gaap:ResidentialPortfolioSegmentMember2024-09-300000875357bokf:LoanstoindividualsMemberus-gaap:SubstandardMemberus-gaap:PerformingFinancingReceivableMemberus-gaap:ResidentialPortfolioSegmentMember2024-09-300000875357bokf:LoanstoindividualsMemberbokf:NonaccruingsubstandardanddoubtfulMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialPortfolioSegmentMember2024-09-300000875357us-gaap:ResidentialPortfolioSegmentMemberbokf:LoanstoindividualsMember2024-09-300000875357us-gaap:ResidentialPortfolioSegmentMemberbokf:LoanstoindividualsMember2024-01-012024-09-300000875357us-gaap:PassMemberus-gaap:PerformingFinancingReceivableMemberbokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:UsGovernmentAgencyInsuredLoansMember2024-09-300000875357bokf:NonaccruingsubstandardanddoubtfulMemberus-gaap:NonperformingFinancingReceivableMemberbokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:UsGovernmentAgencyInsuredLoansMember2024-09-300000875357bokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:UsGovernmentAgencyInsuredLoansMember2024-09-300000875357bokf:LoanstoindividualsMemberus-gaap:PassMemberus-gaap:PerformingFinancingReceivableMemberus-gaap:ConsumerPortfolioSegmentMember2024-09-300000875357bokf:LoanstoindividualsMemberus-gaap:SpecialMentionMemberus-gaap:PerformingFinancingReceivableMemberus-gaap:ConsumerPortfolioSegmentMember2024-09-300000875357bokf:LoanstoindividualsMemberus-gaap:SubstandardMemberus-gaap:PerformingFinancingReceivableMemberus-gaap:ConsumerPortfolioSegmentMember2024-09-300000875357bokf:LoanstoindividualsMemberbokf:NonaccruingsubstandardanddoubtfulMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ConsumerPortfolioSegmentMember2024-09-300000875357us-gaap:ConsumerPortfolioSegmentMemberbokf:LoanstoindividualsMember2024-09-300000875357us-gaap:ConsumerPortfolioSegmentMemberbokf:LoanstoindividualsMember2024-01-012024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:PassMemberus-gaap:PerformingFinancingReceivableMemberus-gaap:HealthCareMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:SpecialMentionMemberus-gaap:PerformingFinancingReceivableMemberus-gaap:HealthCareMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:PerformingFinancingReceivableMemberus-gaap:HealthCareMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberbokf:NonaccruingsubstandardanddoubtfulMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:HealthCareMember2023-12-310000875357us-gaap:HealthCareMemberus-gaap:CommercialPortfolioSegmentMember2023-12-310000875357us-gaap:HealthCareMemberus-gaap:CommercialPortfolioSegmentMember2023-01-012023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:PassMemberus-gaap:PerformingFinancingReceivableMemberbokf:ServicesMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:SpecialMentionMemberus-gaap:PerformingFinancingReceivableMemberbokf:ServicesMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:PerformingFinancingReceivableMemberbokf:ServicesMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberbokf:NonaccruingsubstandardanddoubtfulMemberus-gaap:NonperformingFinancingReceivableMemberbokf:ServicesMember2023-12-310000875357bokf:ServicesMemberus-gaap:CommercialPortfolioSegmentMember2023-12-310000875357bokf:ServicesMemberus-gaap:CommercialPortfolioSegmentMember2023-01-012023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:PassMemberus-gaap:PerformingFinancingReceivableMemberbokf:EnergyMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:SpecialMentionMemberus-gaap:PerformingFinancingReceivableMemberbokf:EnergyMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:PerformingFinancingReceivableMemberbokf:EnergyMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberbokf:NonaccruingsubstandardanddoubtfulMemberus-gaap:NonperformingFinancingReceivableMemberbokf:EnergyMember2023-12-310000875357bokf:EnergyMemberus-gaap:CommercialPortfolioSegmentMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:PassMemberus-gaap:PerformingFinancingReceivableMemberbokf:GeneralbusinessmemberMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:SpecialMentionMemberus-gaap:PerformingFinancingReceivableMemberbokf:GeneralbusinessmemberMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:PerformingFinancingReceivableMemberbokf:GeneralbusinessmemberMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberbokf:NonaccruingsubstandardanddoubtfulMemberus-gaap:NonperformingFinancingReceivableMemberbokf:GeneralbusinessmemberMember2023-12-310000875357bokf:GeneralbusinessmemberMemberus-gaap:CommercialPortfolioSegmentMember2023-12-310000875357bokf:GeneralbusinessmemberMemberus-gaap:CommercialPortfolioSegmentMember2023-01-012023-12-310000875357us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:PassMemberus-gaap:PerformingFinancingReceivableMember2023-12-310000875357us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:SpecialMentionMemberus-gaap:PerformingFinancingReceivableMember2023-12-310000875357us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:PerformingFinancingReceivableMember2023-12-310000875357us-gaap:CommercialRealEstatePortfolioSegmentMemberbokf:NonaccruingsubstandardanddoubtfulMemberus-gaap:NonperformingFinancingReceivableMember2023-12-310000875357us-gaap:CommercialRealEstatePortfolioSegmentMember2023-01-012023-12-310000875357bokf:LoanstoindividualsMemberus-gaap:PassMemberus-gaap:PerformingFinancingReceivableMemberus-gaap:ResidentialPortfolioSegmentMember2023-12-310000875357bokf:LoanstoindividualsMemberus-gaap:SpecialMentionMemberus-gaap:PerformingFinancingReceivableMemberus-gaap:ResidentialPortfolioSegmentMember2023-12-310000875357bokf:LoanstoindividualsMemberus-gaap:SubstandardMemberus-gaap:PerformingFinancingReceivableMemberus-gaap:ResidentialPortfolioSegmentMember2023-12-310000875357bokf:LoanstoindividualsMemberbokf:NonaccruingsubstandardanddoubtfulMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialPortfolioSegmentMember2023-12-310000875357us-gaap:ResidentialPortfolioSegmentMemberbokf:LoanstoindividualsMember2023-12-310000875357us-gaap:ResidentialPortfolioSegmentMemberbokf:LoanstoindividualsMember2023-01-012023-12-310000875357us-gaap:PassMemberus-gaap:PerformingFinancingReceivableMemberbokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:UsGovernmentAgencyInsuredLoansMember2023-12-310000875357bokf:NonaccruingsubstandardanddoubtfulMemberus-gaap:NonperformingFinancingReceivableMemberbokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:UsGovernmentAgencyInsuredLoansMember2023-12-310000875357bokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:UsGovernmentAgencyInsuredLoansMember2023-12-310000875357bokf:LoanstoindividualsMemberus-gaap:PassMemberus-gaap:PerformingFinancingReceivableMemberus-gaap:ConsumerPortfolioSegmentMember2023-12-310000875357bokf:LoanstoindividualsMemberus-gaap:SpecialMentionMemberus-gaap:PerformingFinancingReceivableMemberus-gaap:ConsumerPortfolioSegmentMember2023-12-310000875357bokf:LoanstoindividualsMemberus-gaap:SubstandardMemberus-gaap:PerformingFinancingReceivableMemberus-gaap:ConsumerPortfolioSegmentMember2023-12-310000875357bokf:LoanstoindividualsMemberbokf:NonaccruingsubstandardanddoubtfulMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ConsumerPortfolioSegmentMember2023-12-310000875357us-gaap:ConsumerPortfolioSegmentMemberbokf:LoanstoindividualsMember2023-12-310000875357us-gaap:ConsumerPortfolioSegmentMemberbokf:LoanstoindividualsMember2023-01-012023-12-310000875357bokf:EnergyMemberus-gaap:CommercialPortfolioSegmentMember2024-01-012024-09-300000875357us-gaap:ExtendedMaturityMemberus-gaap:CommercialPortfolioSegmentMember2024-01-012024-09-300000875357us-gaap:ExtendedMaturityAndInterestRateReductionMemberbokf:LoanstoindividualsMemberus-gaap:ResidentialMortgageMemberus-gaap:UsGovernmentAgencyInsuredLoansMember2024-01-012024-09-300000875357bokf:GeneralbusinessmemberMemberus-gaap:CommercialPortfolioSegmentMember2023-01-012023-09-300000875357us-gaap:HealthCareMemberus-gaap:CommercialPortfolioSegmentMember2023-01-012023-09-300000875357bokf:LoanstoindividualsMemberus-gaap:ResidentialMortgageMemberus-gaap:UsGovernmentAgencyInsuredLoansMember2023-01-012023-09-300000875357bokf:HealthcareServicesAndGeneralBusinessMemberMemberus-gaap:ExtendedMaturityMember2023-01-012023-09-300000875357us-gaap:ExtendedMaturityAndInterestRateReductionMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:HealthCareMember2023-01-012023-09-300000875357us-gaap:ExtendedMaturityAndInterestRateReductionMemberbokf:LoanstoindividualsMemberus-gaap:ResidentialMortgageMemberus-gaap:UsGovernmentAgencyInsuredLoansMember2023-01-012023-09-300000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:HealthCareMemberus-gaap:FinancialAssetNotPastDueMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:HealthCareMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:HealthCareMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:HealthCareMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberbokf:ServicesMemberus-gaap:FinancialAssetNotPastDueMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberbokf:ServicesMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberbokf:ServicesMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberbokf:ServicesMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberbokf:EnergyMemberus-gaap:FinancialAssetNotPastDueMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberbokf:EnergyMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberbokf:EnergyMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberbokf:EnergyMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberbokf:GeneralbusinessmemberMemberus-gaap:FinancialAssetNotPastDueMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberbokf:GeneralbusinessmemberMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberbokf:GeneralbusinessmemberMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberbokf:GeneralbusinessmemberMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-09-300000875357us-gaap:FinancialAssetNotPastDueMemberus-gaap:CommercialPortfolioSegmentMember2024-09-300000875357us-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:CommercialPortfolioSegmentMember2024-09-300000875357us-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:CommercialPortfolioSegmentMember2024-09-300000875357us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:CommercialPortfolioSegmentMember2024-09-300000875357us-gaap:FinancialAssetNotPastDueMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2024-09-300000875357us-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2024-09-300000875357us-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2024-09-300000875357us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2024-09-300000875357bokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2024-09-300000875357bokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-09-300000875357bokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-09-300000875357bokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-09-300000875357bokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMemberus-gaap:UsGovernmentAgencyInsuredLoansMember2024-09-300000875357bokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:UsGovernmentAgencyInsuredLoansMember2024-09-300000875357bokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:UsGovernmentAgencyInsuredLoansMember2024-09-300000875357bokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:UsGovernmentAgencyInsuredLoansMember2024-09-300000875357bokf:LoanstoindividualsMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2024-09-300000875357bokf:LoanstoindividualsMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-09-300000875357bokf:LoanstoindividualsMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-09-300000875357bokf:LoanstoindividualsMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-09-300000875357us-gaap:FinancialAssetNotPastDueMemberbokf:LoanstoindividualsMember2024-09-300000875357us-gaap:FinancingReceivables30To59DaysPastDueMemberbokf:LoanstoindividualsMember2024-09-300000875357us-gaap:FinancingReceivables60To89DaysPastDueMemberbokf:LoanstoindividualsMember2024-09-300000875357us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberbokf:LoanstoindividualsMember2024-09-300000875357us-gaap:FinancialAssetNotPastDueMember2024-09-300000875357us-gaap:FinancingReceivables30To59DaysPastDueMember2024-09-300000875357us-gaap:FinancingReceivables60To89DaysPastDueMember2024-09-300000875357us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-09-300000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:HealthCareMemberus-gaap:FinancialAssetNotPastDueMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:HealthCareMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:HealthCareMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberus-gaap:HealthCareMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberbokf:ServicesMemberus-gaap:FinancialAssetNotPastDueMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberbokf:ServicesMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberbokf:ServicesMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberbokf:ServicesMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberbokf:EnergyMemberus-gaap:FinancialAssetNotPastDueMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberbokf:EnergyMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberbokf:EnergyMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberbokf:EnergyMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberbokf:GeneralbusinessmemberMemberus-gaap:FinancialAssetNotPastDueMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberbokf:GeneralbusinessmemberMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberbokf:GeneralbusinessmemberMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2023-12-310000875357us-gaap:CommercialPortfolioSegmentMemberbokf:GeneralbusinessmemberMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2023-12-310000875357us-gaap:FinancialAssetNotPastDueMemberus-gaap:CommercialPortfolioSegmentMember2023-12-310000875357us-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:CommercialPortfolioSegmentMember2023-12-310000875357us-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:CommercialPortfolioSegmentMember2023-12-310000875357us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:CommercialPortfolioSegmentMember2023-12-310000875357us-gaap:FinancialAssetNotPastDueMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2023-12-310000875357us-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2023-12-310000875357us-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2023-12-310000875357us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2023-12-310000875357bokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2023-12-310000875357bokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2023-12-310000875357bokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2023-12-310000875357bokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2023-12-310000875357bokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMemberus-gaap:UsGovernmentAgencyInsuredLoansMember2023-12-310000875357bokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:UsGovernmentAgencyInsuredLoansMember2023-12-310000875357bokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:UsGovernmentAgencyInsuredLoansMember2023-12-310000875357bokf:LoanstoindividualsMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:UsGovernmentAgencyInsuredLoansMember2023-12-310000875357bokf:LoanstoindividualsMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2023-12-310000875357bokf:LoanstoindividualsMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2023-12-310000875357bokf:LoanstoindividualsMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2023-12-310000875357bokf:LoanstoindividualsMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2023-12-310000875357us-gaap:FinancialAssetNotPastDueMemberbokf:LoanstoindividualsMember2023-12-310000875357us-gaap:FinancingReceivables30To59DaysPastDueMemberbokf:LoanstoindividualsMember2023-12-310000875357us-gaap:FinancingReceivables60To89DaysPastDueMemberbokf:LoanstoindividualsMember2023-12-310000875357us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberbokf:LoanstoindividualsMember2023-12-310000875357us-gaap:FinancialAssetNotPastDueMember2023-12-310000875357us-gaap:FinancingReceivables30To59DaysPastDueMember2023-12-310000875357us-gaap:FinancingReceivables60To89DaysPastDueMember2023-12-310000875357us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2023-12-310000875357bokf:ResidentialMortgageLoanCommitmentsMemberus-gaap:NondesignatedMember2024-01-012024-09-300000875357bokf:ResidentialMortgageLoanCommitmentsMemberus-gaap:NondesignatedMember2023-01-012023-12-310000875357bokf:ForwardSalesContractsMemberus-gaap:NondesignatedMember2023-01-012023-12-310000875357bokf:ForwardSalesContractsMemberus-gaap:NondesignatedMember2024-01-012024-09-300000875357bokf:ResidentialMortgageLoanCommitmentsMemberus-gaap:NondesignatedMember2024-09-300000875357bokf:ResidentialMortgageLoanCommitmentsMemberus-gaap:NondesignatedMember2023-12-310000875357bokf:ForwardSalesContractsMemberus-gaap:NondesignatedMember2024-09-300000875357bokf:ForwardSalesContractsMemberus-gaap:NondesignatedMember2023-12-310000875357us-gaap:SubsequentEventMember2024-10-112024-10-110000875357bokf:VisaMembershipMember2024-04-082024-04-080000875357bokf:VisaMembershipMember2024-09-300000875357bokf:BankParticipationinFraudulentSaleofSecuritiesbyPrincipalsMemberus-gaap:PendingLitigationMember2024-09-300000875357bokf:BankParticipationinFraudulentSaleofSecuritiesbyPrincipalsMemberus-gaap:PendingLitigationMember2024-07-012024-09-300000875357us-gaap:OtherLiabilitiesMember2024-09-300000875357us-gaap:SubsequentEventMemberus-gaap:DividendDeclaredMember2024-10-292024-10-290000875357us-gaap:SubsequentEventMember2024-10-292024-10-290000875357us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2022-12-310000875357bokf:AccumulatedUnrealizedGainLossOnInvestmentSecuritiesTransferredFromAFSMember2022-12-310000875357us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2023-01-012023-09-300000875357bokf:AccumulatedUnrealizedGainLossOnInvestmentSecuritiesTransferredFromAFSMember2023-01-012023-09-300000875357us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2023-09-300000875357bokf:AccumulatedUnrealizedGainLossOnInvestmentSecuritiesTransferredFromAFSMember2023-09-300000875357us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2023-12-310000875357bokf:AccumulatedUnrealizedGainLossOnInvestmentSecuritiesTransferredFromAFSMember2023-12-310000875357us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2024-01-012024-09-300000875357bokf:AccumulatedUnrealizedGainLossOnInvestmentSecuritiesTransferredFromAFSMember2024-01-012024-09-300000875357us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2024-09-300000875357bokf:AccumulatedUnrealizedGainLossOnInvestmentSecuritiesTransferredFromAFSMember2024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:GainlossontradingMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:GainlossontradingMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:GainlossontradingMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:GainlossontradingMember2024-07-012024-09-300000875357bokf:GainlossontradingMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CustomerhedgingrevenueMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CustomerhedgingrevenueMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CustomerhedgingrevenueMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:CustomerhedgingrevenueMember2024-07-012024-09-300000875357bokf:CustomerhedgingrevenueMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:RetailbrokeragerevenueMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:RetailbrokeragerevenueMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:RetailbrokeragerevenueMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:RetailbrokeragerevenueMember2024-07-012024-09-300000875357bokf:RetailbrokeragerevenueMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentbankingrevenueMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentbankingrevenueMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentbankingrevenueMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:InvestmentbankingrevenueMember2024-07-012024-09-300000875357bokf:InvestmentbankingrevenueMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:BrokerageandtradingrevenueMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:BrokerageandtradingrevenueMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:BrokerageandtradingrevenueMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:BrokerageandtradingrevenueMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransFundEFTnetworkrevenueMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransFundEFTnetworkrevenueMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransFundEFTnetworkrevenueMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:TransFundEFTnetworkrevenueMember2024-07-012024-09-300000875357bokf:TransFundEFTnetworkrevenueMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MerchantservicesrevenueMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MerchantservicesrevenueMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MerchantservicesrevenueMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:MerchantservicesrevenueMember2024-07-012024-09-300000875357bokf:MerchantservicesrevenueMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatecardrevenueMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatecardrevenueMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatecardrevenueMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:CorporatecardrevenueMember2024-07-012024-09-300000875357bokf:CorporatecardrevenueMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransactioncardrevenueMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransactioncardrevenueMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransactioncardrevenueMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:TransactioncardrevenueMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:PersonaltrustrevenueMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:PersonaltrustrevenueMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:PersonaltrustrevenueMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:PersonaltrustrevenueMember2024-07-012024-09-300000875357bokf:PersonaltrustrevenueMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatetrustrevenueMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatetrustrevenueMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatetrustrevenueMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:CorporatetrustrevenueMember2024-07-012024-09-300000875357bokf:CorporatetrustrevenueMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InstitutionaltrustretirementplanservicesrevenueMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InstitutionaltrustretirementplanservicesrevenueMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InstitutionaltrustretirementplanservicesrevenueMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:InstitutionaltrustretirementplanservicesrevenueMember2024-07-012024-09-300000875357bokf:InstitutionaltrustretirementplanservicesrevenueMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentmanagementservicesandotherMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentmanagementservicesandotherMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentmanagementservicesandotherMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:InvestmentmanagementservicesandotherMember2024-07-012024-09-300000875357bokf:InvestmentmanagementservicesandotherMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FiduciaryAndTrustMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FiduciaryAndTrustMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FiduciaryAndTrustMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberus-gaap:FiduciaryAndTrustMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CommercialaccountservicechargerevenueMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CommercialaccountservicechargerevenueMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CommercialaccountservicechargerevenueMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:CommercialaccountservicechargerevenueMember2024-07-012024-09-300000875357bokf:CommercialaccountservicechargerevenueMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:OverdraftfeerevenueMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:OverdraftfeerevenueMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:OverdraftfeerevenueMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:OverdraftfeerevenueMember2024-07-012024-09-300000875357bokf:OverdraftfeerevenueMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CheckcardfeerevenueMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CheckcardfeerevenueMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CheckcardfeerevenueMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:CheckcardfeerevenueMember2024-07-012024-09-300000875357bokf:CheckcardfeerevenueMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:AutomatedservicechargeandotherdepositfeerevenueMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:AutomatedservicechargeandotherdepositfeerevenueMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:AutomatedservicechargeandotherdepositfeerevenueMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:AutomatedservicechargeandotherdepositfeerevenueMember2024-07-012024-09-300000875357bokf:AutomatedservicechargeandotherdepositfeerevenueMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:DepositAccountMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:DepositAccountMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:DepositAccountMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberus-gaap:DepositAccountMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageproductionrevenueMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageproductionrevenueMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageproductionrevenueMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:MortgageproductionrevenueMember2024-07-012024-09-300000875357bokf:MortgageproductionrevenueMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageservicingrevenueMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageservicingrevenueMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageservicingrevenueMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:MortgageservicingrevenueMember2024-07-012024-09-300000875357bokf:MortgageservicingrevenueMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:MortgageBankingMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:MortgageBankingMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:MortgageBankingMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberus-gaap:MortgageBankingMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FinancialServiceOtherMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FinancialServiceOtherMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FinancialServiceOtherMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberus-gaap:FinancialServiceOtherMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:FeesandcommissionsrevenueMemberbokf:CommercialMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:FeesandcommissionsrevenueMemberbokf:ConsumerMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:FeesandcommissionsrevenueMemberbokf:WealthManagementMember2024-07-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:FeesandcommissionsrevenueMember2024-07-012024-09-300000875357bokf:FeesandcommissionsrevenueMember2024-07-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:GainlossontradingMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:GainlossontradingMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:GainlossontradingMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:GainlossontradingMember2024-01-012024-09-300000875357bokf:GainlossontradingMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CustomerhedgingrevenueMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CustomerhedgingrevenueMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CustomerhedgingrevenueMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:CustomerhedgingrevenueMember2024-01-012024-09-300000875357bokf:CustomerhedgingrevenueMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:RetailbrokeragerevenueMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:RetailbrokeragerevenueMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:RetailbrokeragerevenueMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:RetailbrokeragerevenueMember2024-01-012024-09-300000875357bokf:RetailbrokeragerevenueMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentbankingrevenueMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentbankingrevenueMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentbankingrevenueMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:InvestmentbankingrevenueMember2024-01-012024-09-300000875357bokf:InvestmentbankingrevenueMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:BrokerageandtradingrevenueMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:BrokerageandtradingrevenueMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:BrokerageandtradingrevenueMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:BrokerageandtradingrevenueMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransFundEFTnetworkrevenueMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransFundEFTnetworkrevenueMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransFundEFTnetworkrevenueMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:TransFundEFTnetworkrevenueMember2024-01-012024-09-300000875357bokf:TransFundEFTnetworkrevenueMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MerchantservicesrevenueMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MerchantservicesrevenueMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MerchantservicesrevenueMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:MerchantservicesrevenueMember2024-01-012024-09-300000875357bokf:MerchantservicesrevenueMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatecardrevenueMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatecardrevenueMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatecardrevenueMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:CorporatecardrevenueMember2024-01-012024-09-300000875357bokf:CorporatecardrevenueMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransactioncardrevenueMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransactioncardrevenueMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransactioncardrevenueMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:TransactioncardrevenueMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:PersonaltrustrevenueMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:PersonaltrustrevenueMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:PersonaltrustrevenueMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:PersonaltrustrevenueMember2024-01-012024-09-300000875357bokf:PersonaltrustrevenueMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatetrustrevenueMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatetrustrevenueMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatetrustrevenueMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:CorporatetrustrevenueMember2024-01-012024-09-300000875357bokf:CorporatetrustrevenueMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InstitutionaltrustretirementplanservicesrevenueMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InstitutionaltrustretirementplanservicesrevenueMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InstitutionaltrustretirementplanservicesrevenueMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:InstitutionaltrustretirementplanservicesrevenueMember2024-01-012024-09-300000875357bokf:InstitutionaltrustretirementplanservicesrevenueMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentmanagementservicesandotherMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentmanagementservicesandotherMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentmanagementservicesandotherMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:InvestmentmanagementservicesandotherMember2024-01-012024-09-300000875357bokf:InvestmentmanagementservicesandotherMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FiduciaryAndTrustMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FiduciaryAndTrustMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FiduciaryAndTrustMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberus-gaap:FiduciaryAndTrustMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CommercialaccountservicechargerevenueMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CommercialaccountservicechargerevenueMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CommercialaccountservicechargerevenueMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:CommercialaccountservicechargerevenueMember2024-01-012024-09-300000875357bokf:CommercialaccountservicechargerevenueMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:OverdraftfeerevenueMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:OverdraftfeerevenueMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:OverdraftfeerevenueMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:OverdraftfeerevenueMember2024-01-012024-09-300000875357bokf:OverdraftfeerevenueMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CheckcardfeerevenueMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CheckcardfeerevenueMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CheckcardfeerevenueMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:CheckcardfeerevenueMember2024-01-012024-09-300000875357bokf:CheckcardfeerevenueMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:AutomatedservicechargeandotherdepositfeerevenueMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:AutomatedservicechargeandotherdepositfeerevenueMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:AutomatedservicechargeandotherdepositfeerevenueMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:AutomatedservicechargeandotherdepositfeerevenueMember2024-01-012024-09-300000875357bokf:AutomatedservicechargeandotherdepositfeerevenueMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:DepositAccountMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:DepositAccountMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:DepositAccountMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberus-gaap:DepositAccountMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageproductionrevenueMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageproductionrevenueMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageproductionrevenueMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:MortgageproductionrevenueMember2024-01-012024-09-300000875357bokf:MortgageproductionrevenueMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageservicingrevenueMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageservicingrevenueMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageservicingrevenueMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:MortgageservicingrevenueMember2024-01-012024-09-300000875357bokf:MortgageservicingrevenueMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:MortgageBankingMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:MortgageBankingMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:MortgageBankingMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberus-gaap:MortgageBankingMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FinancialServiceOtherMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FinancialServiceOtherMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FinancialServiceOtherMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberus-gaap:FinancialServiceOtherMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:FeesandcommissionsrevenueMemberbokf:CommercialMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:FeesandcommissionsrevenueMemberbokf:ConsumerMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:FeesandcommissionsrevenueMemberbokf:WealthManagementMember2024-01-012024-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:FeesandcommissionsrevenueMember2024-01-012024-09-300000875357bokf:FeesandcommissionsrevenueMember2024-01-012024-09-300000875357us-gaap:OperatingSegmentsMemberbokf:GainlossontradingMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:GainlossontradingMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:GainlossontradingMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:GainlossontradingMember2023-07-012023-09-300000875357bokf:GainlossontradingMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CustomerhedgingrevenueMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CustomerhedgingrevenueMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CustomerhedgingrevenueMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:CustomerhedgingrevenueMember2023-07-012023-09-300000875357bokf:CustomerhedgingrevenueMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:RetailbrokeragerevenueMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:RetailbrokeragerevenueMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:RetailbrokeragerevenueMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:RetailbrokeragerevenueMember2023-07-012023-09-300000875357bokf:RetailbrokeragerevenueMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InsurancebrokeragerevenueMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InsurancebrokeragerevenueMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InsurancebrokeragerevenueMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:InsurancebrokeragerevenueMember2023-07-012023-09-300000875357bokf:InsurancebrokeragerevenueMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentbankingrevenueMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentbankingrevenueMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentbankingrevenueMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:InvestmentbankingrevenueMember2023-07-012023-09-300000875357bokf:InvestmentbankingrevenueMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:BrokerageandtradingrevenueMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:BrokerageandtradingrevenueMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:BrokerageandtradingrevenueMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:BrokerageandtradingrevenueMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransFundEFTnetworkrevenueMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransFundEFTnetworkrevenueMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransFundEFTnetworkrevenueMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:TransFundEFTnetworkrevenueMember2023-07-012023-09-300000875357bokf:TransFundEFTnetworkrevenueMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MerchantservicesrevenueMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MerchantservicesrevenueMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MerchantservicesrevenueMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:MerchantservicesrevenueMember2023-07-012023-09-300000875357bokf:MerchantservicesrevenueMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatecardrevenueMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatecardrevenueMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatecardrevenueMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:CorporatecardrevenueMember2023-07-012023-09-300000875357bokf:CorporatecardrevenueMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransactioncardrevenueMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransactioncardrevenueMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransactioncardrevenueMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:TransactioncardrevenueMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:PersonaltrustrevenueMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:PersonaltrustrevenueMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:PersonaltrustrevenueMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:PersonaltrustrevenueMember2023-07-012023-09-300000875357bokf:PersonaltrustrevenueMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatetrustrevenueMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatetrustrevenueMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatetrustrevenueMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:CorporatetrustrevenueMember2023-07-012023-09-300000875357bokf:CorporatetrustrevenueMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InstitutionaltrustretirementplanservicesrevenueMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InstitutionaltrustretirementplanservicesrevenueMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InstitutionaltrustretirementplanservicesrevenueMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:InstitutionaltrustretirementplanservicesrevenueMember2023-07-012023-09-300000875357bokf:InstitutionaltrustretirementplanservicesrevenueMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentmanagementservicesandotherMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentmanagementservicesandotherMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentmanagementservicesandotherMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:InvestmentmanagementservicesandotherMember2023-07-012023-09-300000875357bokf:InvestmentmanagementservicesandotherMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FiduciaryAndTrustMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FiduciaryAndTrustMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FiduciaryAndTrustMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberus-gaap:FiduciaryAndTrustMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CommercialaccountservicechargerevenueMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CommercialaccountservicechargerevenueMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CommercialaccountservicechargerevenueMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:CommercialaccountservicechargerevenueMember2023-07-012023-09-300000875357bokf:CommercialaccountservicechargerevenueMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:OverdraftfeerevenueMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:OverdraftfeerevenueMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:OverdraftfeerevenueMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:OverdraftfeerevenueMember2023-07-012023-09-300000875357bokf:OverdraftfeerevenueMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CheckcardfeerevenueMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CheckcardfeerevenueMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CheckcardfeerevenueMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:CheckcardfeerevenueMember2023-07-012023-09-300000875357bokf:CheckcardfeerevenueMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:AutomatedservicechargeandotherdepositfeerevenueMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:AutomatedservicechargeandotherdepositfeerevenueMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:AutomatedservicechargeandotherdepositfeerevenueMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:AutomatedservicechargeandotherdepositfeerevenueMember2023-07-012023-09-300000875357bokf:AutomatedservicechargeandotherdepositfeerevenueMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:DepositAccountMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:DepositAccountMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:DepositAccountMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberus-gaap:DepositAccountMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageproductionrevenueMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageproductionrevenueMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageproductionrevenueMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:MortgageproductionrevenueMember2023-07-012023-09-300000875357bokf:MortgageproductionrevenueMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageservicingrevenueMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageservicingrevenueMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageservicingrevenueMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:MortgageservicingrevenueMember2023-07-012023-09-300000875357bokf:MortgageservicingrevenueMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:MortgageBankingMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:MortgageBankingMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:MortgageBankingMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberus-gaap:MortgageBankingMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FinancialServiceOtherMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FinancialServiceOtherMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FinancialServiceOtherMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberus-gaap:FinancialServiceOtherMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:FeesandcommissionsrevenueMemberbokf:CommercialMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:FeesandcommissionsrevenueMemberbokf:ConsumerMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:FeesandcommissionsrevenueMemberbokf:WealthManagementMember2023-07-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:FeesandcommissionsrevenueMember2023-07-012023-09-300000875357bokf:FeesandcommissionsrevenueMember2023-07-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:GainlossontradingMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:GainlossontradingMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:GainlossontradingMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:GainlossontradingMember2023-01-012023-09-300000875357bokf:GainlossontradingMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CustomerhedgingrevenueMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CustomerhedgingrevenueMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CustomerhedgingrevenueMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:CustomerhedgingrevenueMember2023-01-012023-09-300000875357bokf:CustomerhedgingrevenueMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:RetailbrokeragerevenueMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:RetailbrokeragerevenueMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:RetailbrokeragerevenueMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:RetailbrokeragerevenueMember2023-01-012023-09-300000875357bokf:RetailbrokeragerevenueMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InsurancebrokeragerevenueMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InsurancebrokeragerevenueMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InsurancebrokeragerevenueMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:InsurancebrokeragerevenueMember2023-01-012023-09-300000875357bokf:InsurancebrokeragerevenueMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentbankingrevenueMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentbankingrevenueMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentbankingrevenueMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:InvestmentbankingrevenueMember2023-01-012023-09-300000875357bokf:InvestmentbankingrevenueMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:BrokerageandtradingrevenueMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:BrokerageandtradingrevenueMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:BrokerageandtradingrevenueMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:BrokerageandtradingrevenueMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransFundEFTnetworkrevenueMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransFundEFTnetworkrevenueMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransFundEFTnetworkrevenueMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:TransFundEFTnetworkrevenueMember2023-01-012023-09-300000875357bokf:TransFundEFTnetworkrevenueMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MerchantservicesrevenueMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MerchantservicesrevenueMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MerchantservicesrevenueMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:MerchantservicesrevenueMember2023-01-012023-09-300000875357bokf:MerchantservicesrevenueMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatecardrevenueMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatecardrevenueMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatecardrevenueMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:CorporatecardrevenueMember2023-01-012023-09-300000875357bokf:CorporatecardrevenueMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransactioncardrevenueMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransactioncardrevenueMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:TransactioncardrevenueMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:TransactioncardrevenueMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:PersonaltrustrevenueMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:PersonaltrustrevenueMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:PersonaltrustrevenueMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:PersonaltrustrevenueMember2023-01-012023-09-300000875357bokf:PersonaltrustrevenueMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatetrustrevenueMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatetrustrevenueMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CorporatetrustrevenueMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:CorporatetrustrevenueMember2023-01-012023-09-300000875357bokf:CorporatetrustrevenueMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InstitutionaltrustretirementplanservicesrevenueMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InstitutionaltrustretirementplanservicesrevenueMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InstitutionaltrustretirementplanservicesrevenueMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:InstitutionaltrustretirementplanservicesrevenueMember2023-01-012023-09-300000875357bokf:InstitutionaltrustretirementplanservicesrevenueMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentmanagementservicesandotherMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentmanagementservicesandotherMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:InvestmentmanagementservicesandotherMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:InvestmentmanagementservicesandotherMember2023-01-012023-09-300000875357bokf:InvestmentmanagementservicesandotherMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FiduciaryAndTrustMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FiduciaryAndTrustMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FiduciaryAndTrustMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberus-gaap:FiduciaryAndTrustMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CommercialaccountservicechargerevenueMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CommercialaccountservicechargerevenueMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CommercialaccountservicechargerevenueMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:CommercialaccountservicechargerevenueMember2023-01-012023-09-300000875357bokf:CommercialaccountservicechargerevenueMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:OverdraftfeerevenueMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:OverdraftfeerevenueMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:OverdraftfeerevenueMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:OverdraftfeerevenueMember2023-01-012023-09-300000875357bokf:OverdraftfeerevenueMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CheckcardfeerevenueMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CheckcardfeerevenueMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:CheckcardfeerevenueMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:CheckcardfeerevenueMember2023-01-012023-09-300000875357bokf:CheckcardfeerevenueMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:AutomatedservicechargeandotherdepositfeerevenueMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:AutomatedservicechargeandotherdepositfeerevenueMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:AutomatedservicechargeandotherdepositfeerevenueMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:AutomatedservicechargeandotherdepositfeerevenueMember2023-01-012023-09-300000875357bokf:AutomatedservicechargeandotherdepositfeerevenueMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:DepositAccountMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:DepositAccountMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:DepositAccountMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberus-gaap:DepositAccountMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageproductionrevenueMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageproductionrevenueMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageproductionrevenueMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:MortgageproductionrevenueMember2023-01-012023-09-300000875357bokf:MortgageproductionrevenueMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageservicingrevenueMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageservicingrevenueMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:MortgageservicingrevenueMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:MortgageservicingrevenueMember2023-01-012023-09-300000875357bokf:MortgageservicingrevenueMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:MortgageBankingMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:MortgageBankingMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:MortgageBankingMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberus-gaap:MortgageBankingMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FinancialServiceOtherMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FinancialServiceOtherMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberus-gaap:FinancialServiceOtherMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberus-gaap:FinancialServiceOtherMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:FeesandcommissionsrevenueMemberbokf:CommercialMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:FeesandcommissionsrevenueMemberbokf:ConsumerMember2023-01-012023-09-300000875357us-gaap:OperatingSegmentsMemberbokf:FeesandcommissionsrevenueMemberbokf:WealthManagementMember2023-01-012023-09-300000875357us-gaap:CorporateNonSegmentMemberbokf:FeesandcommissionsrevenueMember2023-01-012023-09-300000875357bokf:FeesandcommissionsrevenueMember2023-01-012023-09-300000875357us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasuryAndGovernmentMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasuryAndGovernmentMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasuryAndGovernmentMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasuryAndGovernmentMember2024-09-300000875357us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-09-300000875357us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2024-09-300000875357us-gaap:FairValueMeasurementsRecurringMemberbokf:OtherTradingSecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberbokf:OtherTradingSecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberbokf:OtherTradingSecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberbokf:OtherTradingSecuritiesMember2024-09-300000875357us-gaap:FairValueMeasurementsRecurringMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2024-09-300000875357us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2024-09-300000875357us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2024-09-300000875357us-gaap:FairValueMeasurementsRecurringMemberus-gaap:CommercialMortgageBackedSecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CommercialMortgageBackedSecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CommercialMortgageBackedSecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CommercialMortgageBackedSecuritiesMember2024-09-300000875357us-gaap:FairValueMeasurementsRecurringMemberus-gaap:OtherDebtSecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:OtherDebtSecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:OtherDebtSecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:OtherDebtSecuritiesMember2024-09-300000875357us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasuryAndGovernmentMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasuryAndGovernmentMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasuryAndGovernmentMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasuryAndGovernmentMember2023-12-310000875357us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2023-12-310000875357us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2023-12-310000875357us-gaap:FairValueMeasurementsRecurringMemberbokf:OtherTradingSecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberbokf:OtherTradingSecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberbokf:OtherTradingSecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberbokf:OtherTradingSecuritiesMember2023-12-310000875357us-gaap:FairValueMeasurementsRecurringMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2023-12-310000875357us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2023-12-310000875357us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2023-12-310000875357us-gaap:FairValueMeasurementsRecurringMemberus-gaap:CommercialMortgageBackedSecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CommercialMortgageBackedSecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CommercialMortgageBackedSecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CommercialMortgageBackedSecuritiesMember2023-12-310000875357us-gaap:FairValueMeasurementsRecurringMemberus-gaap:OtherDebtSecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:OtherDebtSecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:OtherDebtSecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:OtherDebtSecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMemberbokf:FairValueNonaccruingLoansMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMemberbokf:FairValueNonaccruingLoansMember2024-09-300000875357us-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel3Memberbokf:ManagementKnowledgeOfIndustryAndNonRealEstateCollateralMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberbokf:FairValueNonaccruingLoansMember2024-09-300000875357us-gaap:FairValueMeasurementsNonrecurringMemberbokf:FairValueNonaccruingLoansMember2024-07-012024-09-300000875357us-gaap:FairValueMeasurementsNonrecurringMemberbokf:FairValueNonaccruingLoansMember2024-01-012024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMemberbokf:FairValueRealEstateAndOtherRepossessedAssetsMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMemberbokf:FairValueRealEstateAndOtherRepossessedAssetsMember2024-09-300000875357us-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel3Memberbokf:ManagementKnowledgeOfIndustryAndNonRealEstateCollateralMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberbokf:FairValueRealEstateAndOtherRepossessedAssetsMember2024-09-300000875357us-gaap:FairValueMeasurementsNonrecurringMemberbokf:FairValueRealEstateAndOtherRepossessedAssetsMember2024-07-012024-09-300000875357us-gaap:FairValueMeasurementsNonrecurringMemberbokf:FairValueRealEstateAndOtherRepossessedAssetsMember2024-01-012024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMemberbokf:FairValueNonaccruingLoansMember2023-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMemberbokf:FairValueNonaccruingLoansMember2023-09-300000875357us-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel3Memberbokf:ManagementKnowledgeOfIndustryAndNonRealEstateCollateralMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberbokf:FairValueNonaccruingLoansMember2023-09-300000875357us-gaap:FairValueMeasurementsNonrecurringMemberbokf:FairValueNonaccruingLoansMember2023-07-012023-09-300000875357us-gaap:FairValueMeasurementsNonrecurringMemberbokf:FairValueNonaccruingLoansMember2023-01-012023-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMembersrt:MinimumMemberbokf:FairValueNonaccruingLoansMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMembersrt:MaximumMemberbokf:FairValueNonaccruingLoansMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMembersrt:WeightedAverageMemberbokf:FairValueNonaccruingLoansMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMembersrt:MinimumMemberbokf:FairValueNonaccruingLoansMember2023-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMembersrt:MaximumMemberbokf:FairValueNonaccruingLoansMember2023-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMembersrt:WeightedAverageMemberbokf:FairValueNonaccruingLoansMember2023-09-300000875357us-gaap:CarryingReportedAmountFairValueDisclosureMember2024-09-300000875357us-gaap:EstimateOfFairValueFairValueDisclosureMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2024-09-300000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:USTreasuryAndGovernmentMember2024-09-300000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USTreasuryAndGovernmentMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USTreasuryAndGovernmentMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USTreasuryAndGovernmentMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USTreasuryAndGovernmentMember2024-09-300000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-09-300000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-09-300000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2024-09-300000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2024-09-300000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberbokf:OtherTradingSecuritiesMember2024-09-300000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberbokf:OtherTradingSecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberbokf:OtherTradingSecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberbokf:OtherTradingSecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberbokf:OtherTradingSecuritiesMember2024-09-300000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:CommercialMortgageBackedSecuritiesMember2024-09-300000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialMortgageBackedSecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialMortgageBackedSecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialMortgageBackedSecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialMortgageBackedSecuritiesMember2024-09-300000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:OtherDebtSecuritiesMember2024-09-300000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:OtherDebtSecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:OtherDebtSecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:OtherDebtSecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:OtherDebtSecuritiesMember2024-09-300000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:USTreasurySecuritiesMember2024-09-300000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USTreasurySecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USTreasurySecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USTreasurySecuritiesMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USTreasurySecuritiesMember2024-09-300000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2024-09-300000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2024-09-300000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:CommercialPortfolioSegmentMember2024-09-300000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialPortfolioSegmentMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialPortfolioSegmentMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialPortfolioSegmentMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialPortfolioSegmentMember2024-09-300000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2024-09-300000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2024-09-300000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberbokf:LoanstoindividualsMember2024-09-300000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberbokf:LoanstoindividualsMember2024-09-300000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberbokf:LoanstoindividualsMember2024-09-300000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberbokf:LoanstoindividualsMember2024-09-300000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberbokf:LoanstoindividualsMember2024-09-300000875357us-gaap:CarryingReportedAmountFairValueDisclosureMember2023-12-310000875357us-gaap:EstimateOfFairValueFairValueDisclosureMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2023-12-310000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:USTreasuryAndGovernmentMember2023-12-310000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USTreasuryAndGovernmentMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USTreasuryAndGovernmentMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USTreasuryAndGovernmentMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USTreasuryAndGovernmentMember2023-12-310000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2023-12-310000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2023-12-310000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2023-12-310000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2023-12-310000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberbokf:OtherTradingSecuritiesMember2023-12-310000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberbokf:OtherTradingSecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberbokf:OtherTradingSecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberbokf:OtherTradingSecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberbokf:OtherTradingSecuritiesMember2023-12-310000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:CommercialMortgageBackedSecuritiesMember2023-12-310000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialMortgageBackedSecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialMortgageBackedSecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialMortgageBackedSecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialMortgageBackedSecuritiesMember2023-12-310000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:OtherDebtSecuritiesMember2023-12-310000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:OtherDebtSecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:OtherDebtSecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:OtherDebtSecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:OtherDebtSecuritiesMember2023-12-310000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:USTreasurySecuritiesMember2023-12-310000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USTreasurySecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USTreasurySecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USTreasurySecuritiesMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USTreasurySecuritiesMember2023-12-310000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2023-12-310000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2023-12-310000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:CommercialPortfolioSegmentMember2023-12-310000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialPortfolioSegmentMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialPortfolioSegmentMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialPortfolioSegmentMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialPortfolioSegmentMember2023-12-310000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2023-12-310000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2023-12-310000875357us-gaap:CarryingReportedAmountFairValueDisclosureMemberbokf:LoanstoindividualsMember2023-12-310000875357us-gaap:EstimateOfFairValueFairValueDisclosureMemberbokf:LoanstoindividualsMember2023-12-310000875357us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberbokf:LoanstoindividualsMember2023-12-310000875357us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberbokf:LoanstoindividualsMember2023-12-310000875357us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberbokf:LoanstoindividualsMember2023-12-31
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
(Mark One)
| | | | | | | | |
| ☒ | | QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
For the quarterly period ended September 30, 2024
OR
| | | | | | | | |
| ☐ | | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
For the transition period from _____________ to ______________
Commission File No. 001-37811
BOK FINANCIAL CORP
(Exact name of registrant as specified in its charter)
| | | | | | | | | | | |
| Oklahoma | | 73-1373454 |
(State or other jurisdiction
of Incorporation or Organization) | | (IRS Employer
Identification No.) |
| | | |
| Bank of Oklahoma Tower | | |
| Boston Avenue at Second Street | | |
| Tulsa, | Oklahoma | | 74192 |
| (Address of Principal Executive Offices) | | (Zip Code) |
(918) 588-6000
(Registrant’s telephone number, including area code)
| | | | | | | | | | | | | | |
| Securities registered pursuant to Section 12(b) of the Act: |
| Title of each class | | Trading Symbol | | Name of each exchange on which registered |
| Common Stock, par value $0.00006 per share | | BOKF | | Nasdaq Stock Market |
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ý No ¨
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes ý No ¨
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, or a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.
Large accelerated filer ý Accelerated filer ¨
Non-accelerated filer ¨ Smaller reporting company ☐
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes ☐ No ý
Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date: 64,118,417 shares of common stock ($.00006 par value) as of September 30, 2024.
BOK Financial Corporation
Form 10-Q
Quarter Ended September 30, 2024
Index
| | | | | |
| Glossary of Defined Terms | |
| |
| Part I. Financial Information |
| Management's Discussion and Analysis (Item 2) | |
| Market Risk (Item 3) | |
| Controls and Procedures (Item 4) | |
| Consolidated Financial Statements – Unaudited (Item 1) | |
Nine-Month Financial Summary – Unaudited (Item 2) | |
| Quarterly Financial Summary – Unaudited (Item 2) | |
| Quarterly Earnings Trend – Unaudited | |
| | |
| Part II. Other Information |
| Item 1. Legal Proceedings | |
| Item 1A. Risk Factors | |
| Item 2. Unregistered Sales of Equity Securities and Use of Proceeds | |
| Item 5. Other Information | |
| Item 6. Exhibits | |
| Signatures | |
GLOSSARY OF DEFINED TERMS
The following items may be used throughout this report, including the consolidated financial statements and related notes.
| | | | | | | | |
| Term | | Definition |
| AFS | | Available-For-Sale |
| AOCI | | Accumulated Other Comprehensive Income |
ASU | | Accounting Standards Update |
| ATM | | Automated Teller Machine |
| Board | | Board of Directors of BOK Financial Corporation |
| BOK Financial | | BOK Financial Corporation |
| BOKF | | BOK Financial Corporation |
| BOKFI | | BOK Financial Insurance, Inc. |
| CECL | | Current Expected Credit Losses |
| Company | | BOK Financial Corporation |
| EFT | | Electronic Funds Transfer |
| FASB | | Financial Accounting Standards Board |
| FDIC | | Federal Deposit Insurance Corporation |
FHLB | | Federal Home Loan Bank |
| GAAP | | Generally Accepted Accounting Principles in the United States of America |
| GDP | | Gross Domestic Product |
| GNMA | | Government National Mortgage Association |
MSR | | Mortgage Servicing Rights |
Nasdaq | | National Association of Securities Dealers Automated Quotations |
| NYMEX | | New York Mercantile Exchange |
| PPNR | | Pre-Provision Net Revenue |
| RMHFS | | Residential Mortgages Held for Sale |
| SEC | | Securities and Exchange Commission |
| SOFR | | Secured Overnight Financing Rate |
| SVaR | | Stressed Value at Risk |
| TransFund | | BOKF's electronic funds transfer network |
USDC | | United States District Court |
| VA | | U.S. Department of Veterans Affairs |
| VaR | | Value at Risk |
| WTI | | West Texas Intermediate |
| | |
| | |
| | |
| | |
| | |
| | |
| | |
| | |
| | |
Management's Discussion and Analysis of Financial Condition and Results of Operations
Performance Summary
BOK Financial reported net income of $140.0 million, or $2.18 per diluted share, for the third quarter of 2024 compared to $163.7 million, or $2.54 per diluted share, for the second quarter of 2024. PPNR1, a non-GAAP measure, decreased $43.7 million to $175.3 million compared to the second quarter of 2024.
Highlights of the third quarter of 2024 compared to the second quarter of 2024 included:
•Net interest income totaled $308.1 million, an increase of $12.1 million over the prior quarter. Net interest margin was 2.68% for the third quarter of 2024 compared to 2.56% for the prior quarter, due to increased yields on our available-for-sale securities portfolio, combined with higher loan fees driven by payoffs and the funding shift from wholesale borrowings to interest-bearing deposits. For the third quarter of 2024, our core net interest margin excluding trading activities1, a non-GAAP measure, was 3.02% compared to 2.94% in the prior quarter.
•Fees and commissions revenue totaled $202.5 million, an increase of $2.5 million over the prior quarter. Higher transaction card revenue and other revenue was partially offset by lower brokerage and trading revenue.
•Other operating expense totaled $341.0 million, an increase of $4.3 million. Personnel expense increased $15.7 million due to higher incentive compensation and regular compensation. Non-personnel expense decreased $11.4 million, largely due to our contribution to the BOKF Foundation in the prior quarter.
•Other gains, net, were $13.1 million for the third quarter of 2024, compared to $57.4 million in the second quarter of 2024. The prior quarter included a $53.8 million pre-tax gain on the conversion of our Visa B shares under the exchange offer announced by Visa, Inc. During the third quarter of 2024, we sold the remaining 133,472 converted shares of Visa common stock and realized an additional gain of $3.1 million. The current quarter also included a gain on merchant banking investments of $5.0 million and a pre-tax gain on investments related to deferred compensation of $3.8 million.
•Period end outstanding loan balances totaled $24.0 billion at September 30, 2024, a decrease of $569 million compared to June 30, 2024, largely due to a reduction in commercial loans, partially offset by growth in commercial real estate loans and loans to individuals. Average loan balances decreased $80 million to $24.3 billion.
•The provision for credit losses of $2.0 million in the third quarter of 2024 reflects continued strong credit quality, net loan paydowns, and relatively minor changes in economic forecast scenario assumptions. Net recoveries were $54 thousand, or less than 0.01% of average loans on an annualized basis, in the third quarter. The resulting combined allowance for credit losses totaled $332 million, or 1.39% of outstanding loans, at September 30, 2024. The combined allowance for credit losses was $330 million, or 1.34% of outstanding loans, at June 30, 2024.
•Nonperforming assets not guaranteed by U.S. government agencies were $80 million, a $6.0 million decrease compared to June 30, 2024. Potential problem loans increased by $80 million while other loans especially mentioned decreased by $55 million compared to June 30, 2024.
•Period end deposits were $37.2 billion at September 30, 2024, growing $985 million over June 30, 2024. Average deposits increased $1.1 billion, including a $1.2 billion increase in average interest-bearing deposits, partially offset by a $113 million reduction in demand deposit balances. The loan to deposit ratio was 64% at September 30, 2024, compared to 68% at June 30, 2024.
•Assets under management or administration totaled $110.7 billion at September 30, 2024, increasing $3.2 billion over June 30, 2024.
•The Company's tangible common equity ratio1, a non-GAAP measure, was 9.22% at September 30, 2024, and 8.38% at June 30, 2024. The tangible common equity ratio is primarily based on total shareholders' equity, which includes unrealized gains and losses on available-for-sale securities. Adjusted for all securities portfolio losses, including the tax adjusted losses in the investment portfolio, the tangible common equity ratio1 would be 9.01% at September 30, 2024, and 8.06% at June 30, 2024.
1 See Explanation and Reconciliation of Non-GAAP Measures in "Non-GAAP Measures" section following.
- 2 -
•The common equity Tier 1 capital ratio at September 30, 2024, was 12.73%. Other regulatory capital ratios include the Tier 1 capital ratio at 12.74%, total capital ratio at 13.91%, and leverage ratio at 9.67%. At June 30, 2024, the common equity Tier 1 capital ratio was 12.10%, the Tier 1 capital ratio was 12.11%, total capital ratio was 13.25%, and leverage ratio was 9.39%.
•No shares were repurchased during the third quarter of 2024. The Company repurchased 412,176 shares at an average price of $90.38 in the second quarter of 2024. We view share buybacks opportunistically, but within the context of maintaining our strong capital position.
•The Company paid a regular cash dividend of $35.1 million, or $0.55 per common share, during the third quarter of 2024. On October 29, 2024, the board of directors approved a quarterly cash dividend of $0.57 per common share payable on or about November 27, 2024, to shareholders of record as of November 15, 2024.
Highlights of the nine months ended September 30, 2024, compared to the nine months ended September 30, 2023, included:
•Net interest income totaled $897.7 million for the nine months ended September 30, 2024, and $975.5 million for the nine months ended September 30, 2023. Net interest income decreased $62.4 million from changes in interest rates and decreased $15.4 million from changes in earning assets. Net interest margin was 2.62% compared to 3.03%. In response to rising inflation, the Federal Reserve increased the federal funds rate 525 basis points since the beginning of 2022. The resulting impact on market interest rates increased net interest margin at first as our earning assets, led by our significant percentage of variable-rate commercial loans, repriced at a higher rate and faster pace than our interest-bearing liabilities. Throughout 2023 and into the third quarter of 2024, we have experienced margin compression reflecting deposit repricing activity and demand deposit migration into interest-bearing accounts. Loan yields increased 43 basis points, while funding costs increased 91 basis points. Average earning assets increased $3.1 billion to $45.6 billion, driven largely by higher average loan balances and trading securities balances. Total interest-bearing deposits increased $5.5 billion, partially offset by a decrease of $2.7 billion in demand deposit balances. Other borrowed funds decreased $152 million.
•Fees and commissions revenue totaled $603.1 million for the nine months ended September 30, 2024, an $18.8 million increase over the nine months ended September 30, 2023. Fiduciary and asset management revenue increased $14.4 million led by growth in trust fees and Cavanal Hill fund fees. Mortgage banking revenue increased $13.1 million, primarily due to higher production volume. Deposit service charges increased $8.0 million due to growth in commercial service charges. Brokerage and trading revenue decreased $17.1 million, largely due to reduced trading volumes and decreased customer hedging revenue, primarily attributed to our energy customers. The prior period also included $8.9 million of insurance brokerage revenue recognized prior to the sale of BOKFI. This decrease was almost entirely offset by an increase of $7.3 million in investment banking revenue driven by growth in underwriting fees and financial advisory fees.
•Other gains, net, were $74.7 million for the nine months ended September 30, 2024, compared to $16.3 million for the nine months ended September 30, 2023. During the nine months ended September 30, 2024, we sold our converted shares of Visa common stock and realized a gain of $56.9 million. We also recognized a $9.5 million gain on deferred compensation investments, which are held to offset the cost of various employee benefit programs, and a $6.2 million gain on merchant banking investments. These gains were partially offset by losses of $45.8 million on the repositioning of the available-for-sale securities portfolio. The prior period included $8.9 million in gain on alternative investments, primarily attributable to merchant banking activity, and $3.1 million on deferred compensation investments.
•Total operating expense was $1.0 billion for the nine months ended September 30, 2024, an increase of $69.3 million compared to the nine months ended September 30, 2023. Personnel expense increased $37.0 million. Regular compensation increased $15.2 million, largely related to annual merit increases, salary adjustments, and business expansion. Incentive compensation expense was up $11.9 million, primarily due to higher deferred compensation expense, which is largely offset by changes in the fair value of deferred compensation investments, and increased share-based compensation expense resulting from changes in assumptions on certain performance-based equity awards. Employee benefits expense increased $9.8 million related to higher employee healthcare costs and retirement plan costs. Non-personnel expense increased $32.3 million to $417.5 million. Charitable contributions to the BOKF Foundation increased $12.4 million, largely due to the donation of converted Visa shares to the BOKF Foundation. FDIC insurance costs were up due to recognition of $6.2 million in additional special assessment expense during 2024. Other expense also increased $6.4 million due to higher operational losses.
•The provision for expected credit losses was $18.0 million for the nine months ended September 30, 2024. A $40.0 million provision for expected credit losses was recorded for the nine months ended September 30, 2023.
Results of Operations
Net Interest Income and Net Interest Margin
Net interest income is the interest earned on debt securities, loans, and other interest-earning assets less interest paid for interest-bearing deposits and other borrowings. The net interest margin is calculated by dividing tax-equivalent net interest income by average interest-earning assets. Net interest spread is the difference between the average rate earned on interest-earning assets and the average rate paid on interest-bearing liabilities. Net interest margin is typically greater than net interest spread due to interest revenue earned on assets funded by non-interest bearing liabilities such as demand deposits and equity.
Tax-equivalent net interest income totaled $310.5 million for the third quarter of 2024, compared to $298.2 million for the prior quarter. Net interest income increased $9.9 million from changes in interest rates and increased $2.4 million from changes in earning assets. Table 1 shows the effect on net interest income from changes in average balances and interest rates for various types of earning assets and interest-bearing liabilities.
Average earning assets decreased $108 million compared to the second quarter of 2024. The average balance of trading securities decreased $120 million. Average loan balances decreased $80 million due to a reduction in commercial loans, largely offset by growth in commercial real estate loans and loans to individuals. The average balance of investment (held-to-maturity) securities decreased $57 million and average restricted equity securities reduced $43 million. The average balance of available-for-sale securities, which consists largely of residential and commercial mortgage-backed securities guaranteed by U.S. government agencies, increased $184 million.
Total average deposits increased $1.1 billion over the second quarter of 2024, including a $1.2 billion increase in interest-bearing deposits, partially offset by a $113 million decrease in demand deposits. Funds purchased and repurchase agreements decreased $822 million while other borrowings decreased $785 million.
Net interest margin was 2.68% compared to 2.56% in the second quarter of 2024, due to increased yields on our available-for-sale securities portfolio, combined with higher loan fees driven by payoffs and the funding shift from wholesale borrowings to interest-bearing deposits. For the third quarter of 2024, our core net interest margin excluding trading activities1, a non-GAAP measure, was 3.02% compared to 2.94% in the prior quarter. The tax-equivalent yield on earning assets was 5.89%, an increase of 9 basis points. Loan yields grew 6 basis points to 7.47%. The available-for-sale securities portfolio yield increased 5 basis points to 3.76%. The yield on trading securities was up 30 basis points to 5.36% and the yield on interest-bearing cash and cash equivalents decreased 53 basis points to 5.33%.
Funding costs were 4.11%, a 4 basis point decrease compared to the prior quarter. The cost of interest-bearing deposits increased 3 basis points to 3.79%. The cost of funds purchased and repurchase agreements decreased 39 basis points to 3.89% while the cost of other borrowings decreased 3 basis points to 5.55%. The benefit to net interest margin from assets funded by non-interest liabilities was 90 basis points, a decrease of 1 basis point.
Our overall objective is to manage the Company's balance sheet for changes in interest rates as is further described in the Market Risk section of this report. Approximately 81% of our commercial and commercial real estate loan portfolios are either variable rate or fixed rate that will reprice within one year. These loans are funded primarily by deposit accounts that are either non-interest bearing, or that reprice more slowly than the loans. The result is a balance sheet that is asset sensitive, which means that assets generally reprice more quickly than the liabilities. One of the strategies that we use to manage toward a relative rate-neutral position is to purchase fixed-rate residential mortgage-backed securities issued primarily by U.S. government agencies and fund them with market rate-sensitive liabilities. The liability-sensitive nature of this strategy provides an offset to the asset-sensitive characteristics of our loan portfolio. We also may use derivative instruments to manage our interest rate risk.
The effectiveness of these strategies is reflected in the overall change in net interest income due to changes in interest rates as shown in Table 1 and in the interest rate sensitivity projections as shown in the Market Risk section of this report.
Table 1 – Volume/Rate Analysis
(In thousands)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | Three Months Ended Sep. 30, 2024 / June 30, 2024 | | Nine Months Ended
Sep. 30, 2024 / 2023 |
| | | | | Change Due To1 | | | | Change Due To1 |
| | Change | | Volume | | Yield/Rate | | Change | | Volume | | Yield/Rate |
| Tax-equivalent interest revenue: | | | | | | | | | | | | |
Interest-bearing cash and cash equivalents | | $ | (645) | | | $ | 19 | | | $ | (664) | | | $ | (2,345) | | | $ | (3,775) | | | $ | 1,430 | |
| Trading securities | | 1,642 | | | (2,693) | | | 4,335 | | | 72,398 | | | 51,132 | | | 21,266 | |
Investment securities | | (183) | | | (192) | | | 9 | | | (3,136) | | | (2,882) | | | (254) | |
Available-for-sale securities | | 1,639 | | | (293) | | | 1,932 | | | 79,865 | | | 16,898 | | | 62,967 | |
| Fair value option securities | | (5) | | | (6) | | | 1 | | | (6,983) | | | (5,784) | | | (1,199) | |
Restricted equity securities | | (766) | | | (826) | | | 60 | | | 5,463 | | | 4,029 | | | 1,434 | |
Residential mortgage loans held for sale | | 147 | | | 227 | | | (80) | | | 461 | | | 283 | | | 178 | |
| Loans | | 6,853 | | | 840 | | | 6,013 | | | 147,458 | | | 70,397 | | | 77,061 | |
| Total tax-equivalent interest revenue | | 8,682 | | | (2,924) | | | 11,606 | | | 293,181 | | | 130,298 | | | 162,883 | |
| Interest expense: | | | | | | | | | | | | |
| Transaction deposits | | 12,645 | | | 10,378 | | | 2,267 | | | 284,077 | | | 101,676 | | | 182,401 | |
| Savings deposits | | 36 | | | (11) | | | 47 | | | 1,851 | | | (261) | | | 2,112 | |
| Time deposits | | 3,694 | | | 3,058 | | | 636 | | | 65,329 | | | 38,907 | | | 26,422 | |
| Funds purchased and repurchase agreements | | (9,612) | | | (8,325) | | | (1,287) | | | (46,963) | | | (42,714) | | | (4,249) | |
| Other borrowings | | (10,419) | | | (10,446) | | | 27 | | | 66,332 | | | 48,057 | | | 18,275 | |
| Subordinated debentures | | 51 | | | 12 | | | 39 | | | 366 | | | 6 | | | 360 | |
| Total interest expense | | (3,605) | | | (5,334) | | | 1,729 | | | 370,992 | | | 145,671 | | | 225,321 | |
Tax-equivalent net interest income | | 12,287 | | | 2,410 | | | 9,877 | | | (77,811) | | | (15,373) | | | (62,438) | |
| Change in tax-equivalent adjustment | | 189 | | | | | | | (18) | | | | | |
Net interest income | | $ | 12,098 | | | | | | | $ | (77,793) | | | | | |
1 Changes attributable to both volume and yield/rate are allocated to both volume and yield/rate on an equal basis.
Other Operating Revenue
Other operating revenue was $208.2 million for the third quarter of 2024, a decrease of $51.5 million compared to the second quarter of 2024. The second quarter of 2024 included $53.8 million pre-tax gain on the conversion of our Visa B shares under the exchange offer by Visa, Inc.
Table 2 – Other Operating Revenue
(Dollars in thousands)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | Three Months Ended | | Increase (Decrease) | | % Increase (Decrease) | | | | | | | | Nine Months Ended | | Increase (Decrease) | | % Increase (Decrease) |
| | | Sep. 30, 2024 | | June 30, 2024 | | | | | | | Sep. 30, 2024 | | Sep. 30, 2023 | | |
Brokerage and trading revenue | | $ | 50,391 | | | $ | 53,017 | | | $ | (2,626) | | | (5) | % | | | | | | | | $ | 162,587 | | | $ | 179,714 | | | $ | (17,127) | | | (10) | % |
| Transaction card revenue | | 28,495 | | | 27,246 | | | 1,249 | | | 5 | % | | | | | | | | 81,234 | | | 78,011 | | | 3,223 | | | 4 | % |
Fiduciary and asset management revenue | | 57,384 | | | 57,576 | | | (192) | | | — | % | | | | | | | | 170,265 | | | 155,910 | | | 14,355 | | | 9 | % |
Deposit service charges and fees | | 30,450 | | | 29,572 | | | 878 | | | 3 | % | | | | | | | | 88,707 | | | 80,744 | | | 7,963 | | | 10 | % |
| Mortgage banking revenue | | 18,372 | | | 18,628 | | | (256) | | | (1) | % | | | | | | | | 55,967 | | | 42,864 | | | 13,103 | | | 31 | % |
| Other revenue | | 17,402 | | | 13,988 | | | 3,414 | | | 24 | % | | | | | | | | 44,325 | | | 47,085 | | | (2,760) | | | (6) | % |
Total fees and commissions revenue | | 202,494 | | | 200,027 | | | 2,467 | | | 1 | % | | | | | | | | 603,085 | | | 584,328 | | | 18,757 | | | 3 | % |
| Other gains, net | | 13,087 | | | 57,375 | | | (44,288) | | | N/A | | | | | | | | 74,731 | | | 16,343 | | | 58,388 | | | N/A |
| Gain (loss) on derivatives, net | | 8,991 | | | (1,091) | | | 10,082 | | | N/A | | | | | | | | (733) | | | (18,513) | | | 17,780 | | | N/A |
| Gain (loss) on fair value option securities, net | | 764 | | | (94) | | | 858 | | | N/A | | | | | | | | 365 | | | (5,323) | | | 5,688 | | | N/A |
Change in fair value of mortgage servicing rights | | (16,453) | | | 3,453 | | | (19,906) | | | N/A | | | | | | | | (2,023) | | | 11,241 | | | (13,264) | | | N/A |
Gain (loss) on available-for-sale securities, net | | (691) | | | 34 | | | (725) | | | N/A | | | | | | | | (45,828) | | | (3,010) | | | (42,818) | | | N/A |
| | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | |
Total other operating revenue | | $ | 208,192 | | | $ | 259,704 | | | $ | (51,512) | | | (20) | % | | | | | | | | $ | 629,597 | | | $ | 585,066 | | | $ | 44,531 | | | 8 | % |
| | | | | | | | | | | | | | | | | | | | | | |
Certain percentage increases (decreases) in non-fees and commissions revenue are not meaningful for comparison purposes based on the nature of the item.
Fees and Commissions Revenue
Diversified sources of fees and commissions revenue are a significant part of our business strategy and represented 40% of combined net interest income before provision for credit losses and fees and commissions revenue for the third quarter of 2024. We believe that a variety of fee revenue sources provides diversification to changes resulting from market or economic conditions such as interest rates, values in the equity markets, commodity prices and consumer spending, all of which can be volatile. Many of the economic factors, such as decreasing interest rates, that we expect will result in a decline in net interest income or fiduciary and asset management revenue may also increase mortgage banking production volumes and related trading. The velocity of changes in market conditions and interest rates may result in timing differences between when offsetting impacts and benefits are realized. Generally, for operating revenues not as directly related to movement in interest rates, we expect growth to come through offering new products and services and by further development of our presence in other markets. However, current and future economic conditions, regulatory constraints, increased competition, and saturation in our existing markets could affect the rate of future increases.
Brokerage and Trading Revenue
Brokerage and trading revenue, which includes revenues from trading, customer hedging, retail brokerage, and investment banking, decreased $2.6 million compared to the second quarter of 2024.
Trading revenue includes net realized and unrealized gains and losses primarily related to residential mortgage-backed securities guaranteed by U.S. government agencies and related derivative instruments that enable our mortgage banking customers to manage their production risk. Trading revenue also includes net realized and unrealized gains and losses on municipal securities and other financial instruments that we sell to institutional customers, along with changes in the fair value of financial instruments we hold as economic hedges against market risk of our trading securities. Trading revenue was $23.6 million, a $4.1 million decrease compared to the prior quarter. A decline in U.S. agency residential mortgage-backed securities trading volumes, driven by market conditions in the third quarter of 2024, was partially offset by an increase in municipal trading revenue led by strong activity in this sector.
Customer hedging revenue is based primarily on realized and unrealized changes in the fair value of derivative contracts held for customer risk management programs. As more fully discussed under Customer Risk Management Programs in Note 3 of the Consolidated Financial Statements, we offer commodity, interest rate, foreign exchange, and equity derivatives to our customers. Customer hedging revenue totaled $7.4 million for the third quarter of 2024, an increase of $662 thousand, and was primarily attributed to our interest rate derivative customers. Customer hedging revenue includes credit valuation adjustments of the fair value of derivatives to reflect the risk of counterparty default.
Investment banking, which includes fees earned upon completion of underwriting, financial advisory services, and loan syndication fees, totaled $14.4 million, up $680 thousand over the prior quarter, largely related to the timing and volume of transactions.
Transaction Card Revenue
Transaction card revenue includes revenues from processing transactions on behalf of members of our TransFund electronic fund transfer network, merchant services fees paid by customers for account management and electronic processing of card transactions and interchange fees from our corporate card program. Transaction card revenue totaled $28.5 million for the third quarter of 2024, a $1.2 million increase, primarily due to growth in the volume of transactions processed during the quarter.
Fiduciary and Asset Management Revenue
Fiduciary and asset management revenue is earned through managing or holding of assets for customers and executing transactions or providing related services. Fiduciary and asset management revenue is largely based on the fair value of assets. Rates applied to asset values vary based on the nature of the relationship. Fiduciary relationships and managed asset relationships generally have higher fee rates than non-fiduciary and/or managed relationships. Fiduciary and asset management revenue was $57.4 million for the third quarter of 2024, consistent with the second quarter of 2024. Growth in our trust fee income this quarter nearly fully offset prior quarter's seasonal tax preparation fees.
A distribution of assets under management or administration and related fiduciary and asset management revenue follows:
Table 3 – Assets Under Management or Administration
(Dollars in thousands)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| Three Months Ended |
| September 30, 2024 | | June 30, 2024 | | |
| | Balance1 | | Revenue2 | | Margin3 | | Balance1 | | Revenue2 | | Margin3 | | | | | | |
| Managed fiduciary assets: |
| Personal | $ | 12,144,271 | | | $ | 28,348 | | | 0.93 | % | | $ | 11,479,779 | | | $ | 30,098 | | | 1.05 | % | | | | | | |
| Institutional | 22,000,111 | | | 7,367 | | | 0.13 | % | | 20,019,267 | | | 8,552 | | | 0.17 | % | | | | | | |
Total managed fiduciary assets | 34,144,382 | | | 35,715 | | | 0.42 | % | | 31,499,046 | | | 38,650 | | | 0.49 | % | | | | | | |
| | | | | | | | | | | | | | | | | |
| Non-managed assets: |
| Fiduciary | 29,559,236 | | | 20,548 | | | 0.28 | % | | 30,418,648 | | | 15,808 | | | 0.21 | % | | | | | | |
| Non-fiduciary | 21,087,866 | | | 1,121 | | | 0.02 | % | | 20,031,316 | | | 3,118 | | | 0.06 | % | | | | | | |
Safekeeping and brokerage assets under administration | 25,911,128 | | | — | | | — | % | | 25,528,020 | | | — | | | — | % | | | | | | |
Total non-managed assets | 76,558,230 | | | 21,669 | | | 0.11 | % | | 75,977,984 | | | 18,926 | | | 0.10 | % | | | | | | |
| | | | | | | | | | | | | | | | | |
Total assets under management or administration | $ | 110,702,612 | | | $ | 57,384 | | | 0.21 | % | | $ | 107,477,030 | | | $ | 57,576 | | | 0.21 | % | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| Nine Months Ended |
| September 30, 2024 | | September 30, 2023 |
| | Balance1 | | Revenue2 | | Margin3 | | Balance1 | | Revenue2 | | Margin3 |
| Managed fiduciary assets: |
| Personal | $ | 12,144,271 | | | $ | 86,384 | | | 0.95 | % | | $ | 10,572,514 | | | $ | 77,388 | | | 0.98 | % |
| Institutional | 22,000,111 | | | 27,689 | | | 0.17 | % | | 18,244,521 | | | 26,858 | | | 0.20 | % |
Total managed fiduciary assets | 34,144,382 | | | 114,073 | | | 0.45 | % | | 28,817,035 | | | 104,246 | | | 0.48 | % |
| | | | | | | | | | | |
| Non-managed assets: |
| Fiduciary | 29,559,236 | | | 49,307 | | | 0.22 | % | | 27,562,974 | | | 42,728 | | | 0.21 | % |
| Non-fiduciary | 21,087,866 | | | 6,885 | | | 0.04 | % | | 18,215,082 | | | 8,936 | | | 0.07 | % |
Safekeeping and brokerage assets under administration | 25,911,128 | | | — | | | — | % | | 24,409,088 | | | — | | | — | % |
Total non-managed assets | 76,558,230 | | | 56,192 | | | 0.10 | % | | 70,187,144 | | | 51,664 | | | 0.10 | % |
| | | | | | | | | | | |
Total assets under management or administration | $ | 110,702,612 | | | $ | 170,265 | | | 0.21 | % | | $ | 99,004,179 | | | $ | 155,910 | | | 0.21 | % |
| | | | | | | | | | | |
1 Assets under management or administration balance excludes certain assets under custody held by a sub-custodian where minimal revenue is recognized. $21 billion, $21 billion, and $18 billion of such assets are excluded from assets under management or administration at September 30, 2024, June 30, 2024, and September 30, 2023, respectively.
2 Fiduciary and asset management revenue includes asset-based and other fees associated with the assets.
3 Annualized revenue divided by period end balance.
A summary of changes in assets under management or administration for the three and nine months ended September 30, 2024, and 2023 follows:
Table 4 – Changes in Assets Under Management or Administration
(In thousands)
| | | | | | | | | | | | | | | | | | | | | | | | | | |
| | Three Months Ended September 30, | | Nine Months Ended September 30, |
| | 2024 | | 2023 | | 2024 | | 2023 |
| Beginning balance | | $ | 107,477,030 | | | $ | 103,618,940 | | | $ | 104,736,999 | | | $ | 99,735,040 | |
| Net inflows (outflows) | | 984,099 | | | (3,922,122) | | | (447,158) | | | (4,727,474) | |
| | | | | | | | |
| Net change in fair value | | 2,241,483 | | | (692,639) | | | 6,412,771 | | | 3,996,613 | |
| Ending balance | | $ | 110,702,612 | | | $ | 99,004,179 | | | $ | 110,702,612 | | | $ | 99,004,179 | |
Assets under management as of September 30, 2024, consist of 40% fixed income, 39% equities, 13% cash, and 8% alternative investments.
Deposit Service Charges
Deposit service charges and fees increased $878 thousand over the second quarter of 2024, primarily due to growth in overdraft fees and commercial service charges, combined with increased check card revenue.
Mortgage Banking Revenue
Mortgage banking revenue was consistent with the second quarter of 2024. Mortgage production volume decreased $3.2 million to $232 million. Production revenue as a percentage of production volume, which includes unrealized gains and losses on our mortgage commitment pipeline and related hedges, decreased 34 basis points to 0.67%.
Table 5 – Mortgage Banking Revenue
(Dollars in thousands)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | Three Months Ended | | Increase (Decrease) | | % Increase (Decrease) | | | | | | | | Nine Months Ended | | Increase (Decrease) | | % Increase (Decrease) |
| | | Sep. 30, 2024 | | June 30, 2024 | | | | | | | Sep. 30, 2024 | | Sep. 30, 2023 | | |
| Mortgage production revenue | | $ | 1,563 | | | $ | 2,369 | | | $ | (806) | | | (34) | % | | | | | | | | $ | 7,457 | | | $ | (2,804) | | | $ | 10,261 | | | 366 | % |
| | | | | | | | | | | | | | | | | | | | | | |
| Mortgage loans funded for sale | | $ | 224,749 | | | $ | 240,038 | | | | | | | | | | | | | $ | 603,963 | | | $ | 527,136 | | | | | |
| Add: Current period end outstanding commitments | | 70,102 | | | 62,960 | | | | | | | | | | | | | 70,102 | | | 49,284 | | | | | |
| Less: Prior period end outstanding commitments | | 62,960 | | | 67,951 | | | | | | | | | | | | | 34,783 | | | 45,492 | | | | | |
| Total mortgage production volume | | $ | 231,891 | | | $ | 235,047 | | | $ | (3,156) | | | (1) | % | | | | | | | | $ | 639,282 | | | $ | 530,928 | | | $ | 108,354 | | | 20 | % |
| | | | | | | | | | | | | | | | | | | | | | |
| Mortgage loan refinances to mortgage loans funded for sale | | 11 | % | | 7 | % | | 400 | bps | | | | | | | | | | 9 | % | | 9 | % | | — | bps | | |
| Realized margin on funded mortgage loans | | 0.93 | % | | 0.97 | % | | (4) | bps | | | | | | | | | | 1.07 | % | | (0.69) | % | | 176 | bps | | |
| Production revenue as a percentage of production volume | | 0.67 | % | | 1.01 | % | | (34) | bps | | | | | | | | | | 1.17 | % | | (0.53) | % | | 170 | bps | | |
| Primary mortgage interest rates: | | | | | | | | | | | | | | | | | | | | | | |
| Average | | 6.51 | % | | 7.00 | % | | (49) | bps | | | | | | | | | | 6.74 | % | | 6.66 | % | | 8 | bps | | |
| Period end | | 6.08 | % | | 6.86 | % | | (78) | bps | | | | | | | | | | 6.08 | % | | 7.35 | % | | |