Bok Financial Corporation · NASDAQ:BOKF
Bok Financial — Investor Presentation (February 2026)
26 slides from Bok Financial's investor presentation, Feb 9, 2026
Slide 1: February 2026 Investor Presentation
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic February 2026 Investor Presentation
Slide 2: Legal Disclaimers
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Legal Disclaimers 2 This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that are based on management's beliefs, assumptions, current expecta
Slide 3: Corporate Snapshot
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic NASDAQ: BOKF BROKER/DEALER & INDEPENDENT ADVISORY SERVICES CONSUMER, COMMERCIAL & MORTGAGE BANKING BOK Financial Corporation BOK Financial Asset Management BOK Private Wealth Cavanal Hill BOK Financial ® Bank of Texas
Slide 4: Core Strategy
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Core Strategy Build a bank with diverse revenues that can compete upstream and outperform peers across varying economic cycles. *Chart data based on Bloomberg EPS data for BOKF and KRX index members as of 2025. Chart
Slide 5: Diversified Loan Portfolio
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Diversified Loan Portfolio Disciplined concentration management, diversified by sector & geography Loan Segmentation Collateral Location as of 12/31/2025 as of 12/31/2025 Commercial real estate Healthcare Loans to ind
Slide 6: Diversified Loan Portfolio: Portfolio Composition
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Diversified Loan Portfolio Portfolio Composition as of 12/31/2025 76% 15% 7% Oil & Gas Producers Oil & Gas Midstream Services 10% 8% 82% Hospital Medical Services Senior Housing 43% 24% 14% 10% 2% 7% Multifamily Indus
Slide 7: Strong Core Deposit Franchise
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Dec '22 Dec '23 Dec '24 Dec '25 $— $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 Strong Core Deposit Franchise Deposit Mix & Cost ($Million) Deposit Mix by Geography 4% 50% 9% 5% 6% 25% Demand
Slide 8: Peer-leading Fee Income and Steady Profitability
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Peer-leading Fee Income and Steady Profitability Summary 35%-40% of total revenues come from a diverse set of well- established fee income businesses, a differentiator compared to other midsized regional banks Markets
Slide 9: Wealth Management
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Wealth Management Primary Lines of Business • Private Wealth / Asset Management - Banking and investment management, trust and estate administration, and Cavanal Hill family of funds • Institutional Wealth - Retiremen
Slide 10: Wealth Management Awards, Recognition, and Rankings
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Wealth Management Awards, Recognition, and Rankings • Retirement Plan Services recognized as a top five provider and recipient of six "Best in Class" awards in 2023 • Eighth largest corporate trustee bank by number of
Slide 11: Mortgage Finance
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Mortgage Finance Successful launch of business in the 3rd quarter • Outstandings started to ramp up in Q4 • Approximately 90% of current Mortgage Finance clients and prospects have existing relationships with the Bank
Slide 12: Transaction Processing
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Transaction Processing CAGR: 4.3% CAGR: 3.8% Debit Processing & ATM Network • Operates nationally • More than 75% of clients are outside of Oklahoma • Clients: Banks, Credit Unions and C-store chains • 835+ million EF
Slide 13: Q4 Financial Highlights
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Q4 Financial Highlights * Non-GAAP measure Attributable to shareholders Per share (diluted) Net Income • Net Income was $177.3 million, or a record high $2.89 per diluted share. Excluding the gain recognized on the sa
Slide 14: Additional Details
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Additional Details 14 ◦ Period end loan balances increased $786 million, led by strong growth in our Texas and Oklahoma markets with broad-based growth in our Commercial portfolio and loans to individuals. Average loa
Slide 15: Credit Resilience
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Credit Resilience Disciplined Credit Concentration • CRE limit on total committed balances is 185% of tier one capital plus reserves • Office CRE outstandings only comprise 3% of total loans 15 100 year history in ene
Slide 16: Loan Portfolio
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Loan Portfolio • Total commercial loans grew $768 million or 5.3% sequentially, led by our Texas market, which increased $583 million • Combined Services & General Business (Core C&I) balances increased $438 million o
Slide 17: Credit Quality Metrics
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Credit Quality Metrics • Credit quality continues to be excellent with non- performing assets, excluding loans guaranteed by U.S. government agencies, totaling $66 million or 0.26% of outstanding loans and repossessed
Slide 18: Yields, Rate & Margin
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Yields, Rate & Margin Net Interest Income • Net interest income was up $7.6 million linked quarter, driven by the continued upward repricing of fixed-rate securities and loans, loan growth, and complemented by decreas
Slide 19: Fee Income - Markets & Securities
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Fee Income - Markets & Securities Trading Fees • Trading fee income increased $5.4 million driven by higher trading volumes for U.S. agency residential mortgage-backed securities Investment Banking Fees • Investment b
Slide 20: Fee Income - Asset Management & Transactions
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Fee Income - Asset Management & Transactions • Fiduciary and asset management revenue was up $4.5 million driven by growth in trust fees, primarily from higher transaction-related fees, improved market valuations, and
Slide 21: Expenses
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Expenses • Personnel expenses were down $3.6 million, primarily driven by seasonally lower employee benefit costs • Higher cash-based incentive compensation costs driven by increased loan origination were largely offs
Slide 22: 2026 Full Year Outlook
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic 2026 Full Year Outlook 22 *Refer to Slide #2 regarding forward looking statements, expectations above assume no change to economic environment. **Non-GAAP measure. Business Driver 2025 Actuals FY '26 As of 01/20/26* N
Slide 23: Securities and Interest Rate Risk Position
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Securities and Interest Rate Risk Position Interest Rate Risk • Approximately 76% of the total loan portfolio is variable rate or fixed rate that reprice within a year • Approximately 84% of Commercial and Commercial
Slide 24: Liquidity & Capital
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Liquidity & Capital * Non-GAAP measure ** Uninsured and non-collateralized deposits excludes intra-bank deposits Liquidity • Period end deposit balances increased $935 million this quarter • Uninsured and non-collater
Slide 25: Notable Items
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Notable Items • There was a disposition of a merchant banking investment during the quarter that resulted in a pre-tax gain of $23.5 million • Expense credit of $9.5 million associated with the updated FDIC special as
Slide 26: ar y br an
Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic
BOK Financial — Investor Presentation (February 2026) on 6ix