BOK Financial Corporation (BOKF) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Greetings. Welcome to BOK Financial Corporation's fourth quarter and full year 2025 earnings conference call. All lines have been placed on mute to prevent any background noise. And after the speaker's remarks, there will be a question and answer session. If you'd like to ask a question at that time, please press star, then the number one on your telephone keypad. If you'd like to withdraw your question at any time, please press star one again. Thank you. And as a reminder, this conference is being recorded. I would now like to turn the presentation over to Heather King, Director of Investor Relations for BOK Financial Corporation. Please proceed. Good afternoon, and thank you for joining our discussion of BOK Financial's fourth quarter and full year 2025 financial results. Our CEO, Stacey Combs, will provide open comments and cover the loan portfolio and related credit metrics. Scott Grauer, Executive Vice President of Wealth Management, will cover our fee-based results, and our CFO, Marty Gruntz, will then discuss financial performance for the quarter, as well as our forward guidance. The slide presentation and press release are available on our website at BOKF.com. We refer you to the disclaimers on slide two regarding any forward-looking statements made during this call. I will now turn the call over to Stacey Kimes, who will begin on slide four. Thank you, Heather. We appreciate you joining the call this afternoon. We are pleased to report earnings of $177.3 million, or EPS, of $2.89 per diluted share for the fourth quarter. Full-year 2025 earnings reached $578 million, or $9.17 per diluted share. This marks a record high earnings per share for both the quarter and the year. Throughout the year, we delivered solid growth and continued to invest in our strategy t...