BOK银行 2026年季度报告

FORM 10-Q (Mark One) ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934 For the quarterly period ended June 30, 2026 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934 For the transition period from _____________ to ______________ Commission File No. 001-37811 BOK FINANCIAL CORP(Exact name of registrant as specified in its charter) 73-1373454(IRS EmployerIdentification No.) 74172(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 classTrading SymbolName of each exchange on which registeredCommon Stock, par value $0.00006 per shareBOKFNasdaq Stock Market Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section13 or 15(d) of theSecurities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to filesuch reports), and (2) has been subject to such filing requirements for the past 90 days.YesNo Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that theregistrant was required to submit such files). YesNo Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company, or an emerging growth company.See the definitions of "large accelerated filer," "accelerated filer," "smallerreporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act. Large accelerated filerAccelerated filerNon-accelerated filerSmaller reporting company☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).Yes☐No Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date:60,766,867 shares of common stock ($.00006 par value) as of June 30, 2026. BOK Financial CorporationForm 10-QQuarter Ended June 30, 2026 Index Management's Discussion and Analysis of Financial Condition and Results of Operations (Item 2)2Market Risk (Item 3)38Controls and Procedures (Item 4)42Consolidated Financial Statements – Unaudited (Item 1)44Six-Month Financial Summary – Unaudited (Item 2)95Quarterly Financial Summary – Unaudited (Item 2)96Quarterly Earnings Trends – Unaudited99 Item 1.Legal Proceedings100Item 1A. Risk Factors100Item 2.Unregistered Sales of Equity Securities and Use of Proceeds100Item 5. Other Information100Item 6.Exhibits101Signatures102 GLOSSARY OF DEFINED TERMS The following items may be used throughout this report, including the consolidated financial statements and related notes. Management's Discussion and Analysis of Financial Condition and Results of Operations Performance Summary BOK Financial reported net income of $176.5 million, or $2.92 per diluted share, for the second quarter of 2026 compared to $155.8million, or $2.58 per diluted share, for the first quarter of 2026. Excluding the net gain related to the exchange of our Visa shares andthe loss from repositioning of the available-for-sale securities portfolio , net income would have been $156.5 million, or $2.59 perdiluted share, in the second quarter of 2026. PPNR , a non-GAAP measure, was $227.7 million for the second quarter of 2026,compared to $199.7 million in the first quarter of 2026.11 Highlights of the second quarter of 2026 compared to the first quarter of 2026 included: •Net interest income totaled $351.8 million, an increase of $9.3 million over the prior quarter. Net interest margin was 2.91%for the second quarter of 2026, compared to 2.90% for the prior quarter. For the second quarter of 2026, our core net interestmargin excluding trading activities , a non-GAAP measure, was 3.13% compared to 3.15% in the prior quarter.•Fees and commissions revenue totaled $202.0 million, a decrease of $7.8 million. Lower trading fees and commissionsrevenue was partially offset by growth in fiduciary and asset management revenue and increased investment banking revenue.•Other gains (losses), net, were a net gain of $42.4 million compared to a net loss of $216 thousand in the prior quarter. Thesecond quarter of 2026 included a $30.9million pre-tax gain, net of economic hedge, related to the exchange of our Visashares under the recently announced Exchange Offer by Visa, Inc. The current quarter also included a net gain on investmentsrelated to deferred compensation of $8.8million compa