BOK Financial : 2Q 2026 Investor Presentation

About this update from Bok Financial Corporation

Q2 Earnings Conference Call July 21, 2026 Stacy Kymes Chief Executive Officer 3 Q2 Financial Highlights Net income was $176.5 million, or $2.92 per diluted share, compared to $155.8 million, or $2.58 per diluted share in the prior quarter. Excluding the net gain related to the exchange of Visa B shares and the loss from repositioning of the available-for-sale securities portfolio, net income would have been $156.5 million, or $2.59 per diluted share, in the second quarter of 2026* Net interest margin increased 1 basis point to 2.91% and core net interest margin, excluding trading, declined 2 basis points to 3.13%*. Core margin was negatively impacted by 3 basis points related to cash margin posted for customer hedging activity for our energy customers Period end loans grew $896 million, or 3.4% sequentially to $27.1 billion with Net Income Attributable to shareholders Per share (diluted) $155.8 $140.0 $140.9 $2.22 $2.19 $2.58 $2.92 $2.89 $177.3 $176.5 broad-based growth across our portfolio and footprint. Period end loans grew $2.8 billion, or 11.5%, compared to the second quarter of 2025 2Q25 3Q25 4Q25 1Q26 2Q26 Revenue Composition Net charge-offs were $500 thousand during the quarter averaging 3 basis points over the last twelve months ($Million, exc. EPS) Q2 2026 Q1 2026 Q2 2025 Net income $176.5 $155.8 $140.0 Diluted EPS $2.92 $2.58 $2.19 Net income before taxes $227.7 $199.7 $180.8 Provision for credit losses $0.0 $0.0 $0.0 Pre-provision net revenue* $227.7 $199.7 $180.7 Efficiency ratio* 60.2% 63.2% 65.4% Adjusted efficiency ratio* 63.5% 63.2% 65.5% * Non-GAAP measure Continued strong capital and liquidity position with TCE* at 9.6% and a loan to deposit ratio of 68% as of 6/30/2026 13 6 3% 2% 64% Net Interest Income Trading & Brokerage Fiduciary & Asset Management Transaction Card 6% % 6% % Deposit Service Charges Mortgage Banking Other Revenue 4 Additional Details Q2 2026 Quarterly Quarterly Sequential YOY million, with broad-based growth across our portfolio and geographic footprint. Average Period end loan balances increased $896 ($Billion) Assets Under Management or $129.3 4.6% 9.7% Administration loan balances grew $844 million Period End Loans $27.1 3.4% 11.5% Average Loans $26.8 3.3% 10.7% Period End Deposits $39.9 3.0% 4.2% Average Deposits $39.2 0.6% 2.9% Fiduciary Assets $78.9 6.2% 11.1% Average deposits grew $250 million in Q2, l...

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