BOKF

BOK Financial Corporation is a regional financial services company offering comprehensive banking, wealth management, and financial products and services across the United States. Headquartered in Tulsa, Oklahoma, BOKF operates primarily through its bank subsidiary BOKF, NA (doing business as Bank of Oklahoma, Bank of Texas, Bank of Albuquerque, and Bank of Arkansas in respective markets), serving commercial, small business, and consumer customers across the Southwest, Midwest, and Western United States. With over $50 billion in assets, BOKF ranks among the country's largest regional banking companies. BOKF's Commercial Banking division provides business loans, treasury management, deposits, and related services to middle-market companies, small businesses, and commercial clients. The Consumer Banking division offers personal banking services including residential mortgages, home equity loans, auto loans, credit cards, and deposit accounts. Wealth Management provides trust services, private banking, investment management, retirement planning, and financial advisory for high-net-worth individuals, families, and institutions. The company also operates TransFund (ATM and EFT network services) and various specialized financial services businesses. BOKF differentiates through relationship banking, local market expertise, broad product capabilities including specialized services like energy banking and transportation finance, strong wealth management franchise, and financial strength and stability. The company has maintained solid asset quality, strong capital ratios, and consistent profitability through economic cycles. BOKF's geographic footprint spans attractive energy-producing states (Oklahoma, Texas, New Mexico) and diversified markets including Arizona, Colorado, Kansas, and Missouri. The company generates net interest income from lending and securities portfolios, fee income from wealth management and transaction services, and mortgage banking income. BOKF competes against larger national banks, regional banks, and community banks across its markets. The company pursues organic growth through deepening relationships, expanding product penetration, and selective acquisitions. BOKF has established reputation for conservative underwriting, customer service, and diversified revenue streams including significant wealth management and fee-based income complementing traditional banking.