BlastPoint's Banking Scorecard
BOKF, National Association
Large
Specialty: Commercial
OK
FDIC cert 4214
Tulsa, OK
69
banks in Large tier nationally
2 in OK
View Large leaderboard (OK) →
BOKF, National Association faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 36% in Large
- - Capital Thin: Bottom 47% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$52.0B
+5.1% YoY
+4.2% QoQ
|
-$22.9B |
$74.9B
-4.4% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$25.4B
+6.5% YoY
+3.2% QoQ
|
-$21.0B |
$46.4B
-2.1% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$39.7B
+3.0% YoY
+2.3% QoQ
|
-$20.8B |
$60.5B
-4.5% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
1.10%
+3.9% YoY
+3.1% QoQ
|
-0.10% |
1.19%
+17.8% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
2.94%
+6.9% YoY
+0.3% QoQ
|
-0.52% |
3.46%
+13.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
64.16%
+0.5% YoY
-1.3% QoQ
|
+9.14% |
55.03%
-2.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 15% in tier |
| Delinquency Rate ? |
0.59%
+42.8% YoY
+8.1% QoQ
|
-0.28% |
0.88%
-0.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
64.07%
+3.4% YoY
+0.8% QoQ
|
-17.64% |
81.72%
+3.9% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.57%
-5.8% YoY
+0.6% QoQ
|
+0.60% |
19.97%
+0.5% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.29%
+41.6% YoY
+5.8% QoQ
|
-0.26% |
0.55%
+9.0% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
12.02%
-1.7% YoY
-4.3% QoQ
|
-1.31% |
13.33%
-0.7% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
24% |
| Non-Interest Income / Assets ? |
1.31%
-6.0% YoY
+30.5% QoQ
|
+0.23% |
1.09%
+2.4% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#10 of 26 · Bottom 36% in Large
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
26 of 26 Large banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Capital Thin
risk
#9 of 18 · Bottom 47% in Large
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
12.02%
(Tier: 13.33%, National: 9.75%)
18 of 18 Large banks match
·
505 nationally
→ Stable
+11 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.07% · Tier avg: 81.72%
81
81th pctile
Non-Interest Income / Assets
Current: 1.31% · Tier avg: 1.09%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.55%
64
64th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.88%
54
54th pctile
Total Assets
Current: $52.0B · Tier avg: $74.9B
54
54th pctile
Total Deposits
Current: $39.7B · Tier avg: $60.5B
43
43th pctile
Total Loans
Current: $25.4B · Tier avg: $46.4B
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 20.57% · Tier avg: 19.97%
39
39th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.19%
24
24th pctile
Tier 1 Capital Ratio
Current: 12.02% · Tier avg: 13.33%
20
20th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.46%
15
15th pctile
Efficiency Ratio
Current: 64.16% · Tier avg: 55.03%
Top Weaknesses
15
15th pctile
Efficiency Ratio
Current: 64.16% · Tier avg: 55.03%
20
20th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.46%
24
24th pctile
Tier 1 Capital Ratio
Current: 12.02% · Tier avg: 13.33%
39
39th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.19%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 20.57% · Tier avg: 19.97%
43
43th pctile
Total Loans
Current: $25.4B · Tier avg: $46.4B
54
54th pctile
Total Deposits
Current: $39.7B · Tier avg: $60.5B
54
54th pctile
Total Assets
Current: $52.0B · Tier avg: $74.9B
64
64th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.88%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.55%
81
81th pctile
Non-Interest Income / Assets
Current: 1.31% · Tier avg: 1.09%
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.07% · Tier avg: 81.72%