BOK Financial Corporation (BOKF) Earnings Call Transcripts

BOK Financial Corporation's Latest Earnings Call - Q1 FY2026

BOK Financial Corporation reported strong first-quarter 2026 results with earnings of $155.8 million, or $2.58 per diluted share. Total loans grew by $536 million, or 2.1% sequentially, driven by broad-based growth across geographies and sectors. Fee income remained robust despite a volatile market environment, totaling $209.8 million. Management maintained its guidance for mid-single-digit revenue growth for the full year, while slightly lowering net interest income expectations to $1.42 billion to $1.45 billion. The stock could be positively influenced by the consistent loan growth and strong fee income performance.

Reported metrics

Guidance from management

Management maintained guidance for mid-single-digit revenue growth and expects loan growth near 10% for 2026. Net interest income expectations were slightly lowered to $1.42 billion to $1.45 billion.

What management said

Good afternoon, and thank you for joining our discussion of BOK Financial's First Quarter 2026 Financial Results. Our CEO, Stacy Cams, will provide opening comments 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 Grunst, will then discuss financial performance for the quarter as well as our forward gu...

Yes. So our expectation is that, that program will officially start transacting shares later this quarter and so we'd be able to recognize that gain in Q2. And we have not yet determined exactly the disposition of what we'll do with the proceeds, but all those avenues are on the table for us. But at this point, we just look forward to being able to capture that gain.

What analysts pressed on

Analysts expressed concerns about the margin compression and sought clarity on future margin expansion drivers. There were also questions about the potential impact of oil price normalization on credit provisions.

Main topics on the call

• Loan Growth — Total loans grew by $536 million, or 2.1% sequentially, with significant contributions from Texas, Oklahoma, and Arizona. Management highlighted a 'solid pipeline' and 'constructive business activity' despite macroeconom...
• Fee Income Performance — Fee income totaled $209.8 million, exceeding three of the past four quarters. Management noted the 'underlying strength' of fee-based businesses despite a volatile environment.
• Net Interest Margin — Net interest margin declined by 8 basis points. Management expects margin expansion over the course of 2026, driven by fixed-rate asset repricing and loan growth.
• Credit Quality — Credit quality remains strong with nonperforming assets decreasing to 20 basis points. Net charge-offs were minimal at $1.9 million, and no provision was required this quarter.

Read the full BOK Financial Corporation transcript (Q1 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 28 BOK Financial Corporation earnings call transcripts on record, spanning January 22, 2020 to July 21, 2026. Based on this history, BOK Financial Corporation reports quarterly. The most recent call on file is dated July 21, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

BOKF

Exchange

NasdaqGS

Country

US

Sector

Financials

Industry

Banks

Calls on record

28

First call

January 22, 2020

Most recent

July 21, 2026

Reporting cadence

quarterly