Bok Financial Corporation (BOKF): Modelo de negócios Canvas [Jan-2025 Atualizado]

No cenário dinâmico dos serviços financeiros, a Bok Financial Corporation (BOKF) se destaca como uma potência estratégica, alavancando um sofisticado modelo de negócios que combina perfeitamente com a proezas bancárias tradicionais com a inovação tecnológica de ponta. Ao elaborar meticulosamente uma abordagem abrangente que abrange vários segmentos de clientes e oferece soluções financeiras personalizadas, a BOKF se posicionou como uma instituição financeira versátil e adaptativa capaz de atender às complexas necessidades de empresas e indivíduos em diversos mercados. Essa exploração do modelo de negócios da BOKF, Canvas, revela os intrincados mecanismos que impulsionam seu sucesso, oferecendo informações sobre como elas criam, entregam e capturam valor em um ecossistema financeiro cada vez mais competitivo.

Bok Financial Corporation (BOKF) - Modelo de Negócios: Principais Parcerias

Aliança estratégica com empresas de tecnologia financeira

A Bok Financial estabeleceu parcerias estratégicas com várias empresas de fintech para aprimorar os recursos bancários digitais:

Fintech Partner	Foco em parceria	Ano de implementação
Finsastra	Plataforma de tecnologia bancária principal	2021
Fiserv	Soluções de processamento de pagamento	2019
Jack Henry & Associados	Infraestrutura bancária digital	2020

Colaboração com bancos regionais e cooperativas de crédito

A Bok Financial mantém parcerias estratégicas com instituições financeiras regionais:

• Participa da rede de ramificação compartilhada com 15 cooperativas de crédito regionais
• Fornece serviços bancários correspondentes a 42 bancos comunitários
• A Total Partnership Network abrange 8 estados no sudoeste dos Estados Unidos

Parceria com redes de processamento de pagamentos

Rede de pagamento	Volume da transação (2023)	Detalhes da parceria
Visa	US $ 3,2 bilhões	Processamento de cartão de crédito e débito
MasterCard	US $ 2,7 bilhões	Soluções de pagamento integradas
Rede de pulsos	US $ 1,5 bilhão	Rede de transações ATM e débito

Relacionamentos com empresas de consultoria de investimento

A Bok Financial colabora com vários parceiros de consultoria de investimentos:

• Relacionamento estratégico com BlackRock for Investment Management Services
• Parceria com a Morningstar para pesquisa e análise de investimentos
• Contrato colaborativo com Charles Schwab para soluções de planejamento de aposentadoria

Valor da rede total de parcerias: aproximadamente US $ 12,4 bilhões em serviços financeiros colaborativos a partir de 2024

Bok Financial Corporation (BOKF) - Modelo de Negócios: Atividades -chave

Serviços bancários comerciais e de consumo

A Bok Financial Corporation registrou ativos totais de US $ 44,8 bilhões a partir do quarto trimestre de 2023. O Banco opera em 5 estados com 287 centros financeiros e 2.100 caixas eletrônicos.

Categoria de serviço bancário	Receita anual (2023)	Segmentos de clientes
Bancos comerciais	US $ 1,2 bilhão	Empresas de médio porte, corporações
Bancos bancários do consumidor	US $ 687 milhões	Consumidores individuais, pequenas empresas

Gerenciamento de patrimônio e soluções de investimento

Bok Financial gerencia aproximadamente US $ 42,3 bilhões em ativos sob gestão.

• Serviços de consultoria de investimentos
• Planejamento de aposentadoria
• Serviços de confiança e imóveis
• Gerenciamento de patrimônio privado

Desenvolvimento da plataforma bancária digital

As transações bancárias digitais aumentaram 37% em 2023, com 1,2 milhão de usuários de bancos digitais ativos.

Recurso da plataforma digital	Taxa de adoção do usuário
Aplicativo bancário móvel	68%
Pagamento on -line	52%
Abertura da conta digital	41%

Gerenciamento de riscos e consultoria financeira

Bok Financial mantém um Índice de capital de nível 1 de 13,2% e alocar US $ 124 milhões para infraestrutura de gerenciamento de riscos em 2023.

Empréstimos corporativos e serviços de tesouro

O portfólio de empréstimos corporativos no valor de US $ 18,6 bilhões, com um tamanho médio de empréstimo de US $ 4,3 milhões.

Categoria de empréstimo	Valor total do portfólio	Taxa de juros média
Imóveis comerciais	US $ 7,2 bilhões	6.3%
Empréstimos a termos corporativos	US $ 6,9 bilhões	5.8%
Empréstimos de capital de giro	US $ 4,5 bilhões	5.5%

Bok Financial Corporation (BOKF) - Modelo de Negócios: Recursos -Principais

Extensa rede de filiais

Bok Financial opera em 8 estados, com um total de 475 ramos entre:

• Oklahoma
• Texas
• Arizona
• Colorado
• Novo México
• Kansas
• Missouri
• Arkansas

Infraestrutura de tecnologia bancária digital

Métrica de tecnologia	Dados quantitativos
Usuários bancários móveis	372,000
Plataformas bancárias online	3 sistemas integrados
Investimento anual de TI	US $ 42,6 milhões

Profissionais financeiros e liderança

Total de funcionários: 5.200

• Equipe de liderança sênior: 12 executivos
• PRODIÇÃO EXECUTIVO Média: 14,3 anos
• Titulares de graduação avançada: 68% da administração

Reservas de capital e estabilidade financeira

Métrica financeira	2023 valor
Total de ativos	US $ 47,2 bilhões
Índice de capital de camada 1	13.6%
Equidade do acionista	US $ 5,8 bilhões

Sistemas de gerenciamento de riscos

Estrutura de gerenciamento de riscos

• Equipe de gerenciamento de riscos corporativos: 87 profissionais dedicados
• Sistemas de monitoramento de conformidade: rastreamento em tempo real
• Orçamento anual de avaliação de risco: US $ 18,3 milhões

Bok Financial Corporation (BOKF) - Modelo de negócios: proposições de valor

Soluções financeiras abrangentes para empresas e indivíduos

A Bok Financial Corporation oferece uma gama diversificada de serviços financeiros com ativos totais de US $ 44,6 bilhões a partir do quarto trimestre de 2023. O banco fornece serviços bancários comerciais e corporativos em oito estados, com US $ 37,4 bilhões em depósitos totais.

Categoria de serviço	Receita anual total	Segmento de mercado
Bancos comerciais	US $ 1,2 bilhão	Negócios de tamanho médio
Banco corporativo	US $ 856 milhões	Grandes empresas
Gestão de patrimônio	US $ 412 milhões	Indivíduos de alta rede

Serviços bancários e de investimento personalizados

A Bok Financial fornece soluções financeiras personalizadas com foco no setor bancário baseado em relacionamento.

• Estratégias personalizadas de gerenciamento de patrimônio
• Serviços de consultoria de investimento pessoal
• Soluções de planejamento de aposentadoria

Experiências bancárias digitais inovadoras

Estatísticas da plataforma digital para 2023:

Serviço digital	Taxa de adoção do usuário	Transações anuais
Mobile Banking	68%	42,3 milhões
Bancos online	75%	56,7 milhões
Pagamentos digitais	52%	24,6 milhões

Taxas de juros competitivas e produtos financeiros

Taxas de juros e ofertas de produtos A partir do quarto trimestre 2023:

• Conta de poupança pessoal: 4,25% APY
• Verificação de negócios: juros de 3,75%
• Taxas de hipoteca: a partir de 6,75%
• Taxas de empréstimo pessoal: 7,25% - 12,50%

Experiência no mercado local com abordagem bancária regional

A cobertura do mercado regional inclui Arizona, Colorado, Kansas, Missouri, Novo México, Oklahoma, Texas e Arkansas com soluções financeiras especializadas.

Estado	Número de ramificações	Participação de mercado regional
Oklahoma	87	24%
Texas	62	15%
Colorado	45	11%

Bok Financial Corporation (BOKF) - Modelo de Negócios: Relacionamentos ao Cliente

Gerenciamento de relacionamento bancário pessoal

A Bok Financial mantém 5.200 funcionários dedicados ao gerenciamento de relacionamento com clientes em 5 estados. O banco atende a aproximadamente 220.000 clientes bancários pessoais ativos a partir do quarto trimestre 2023.

Segmento de clientes	Abordagem de gerenciamento de relacionamento	Frequência de interação anual
Clientes de varejo individuais	Gerenciamento de contas personalizado	4-6 pontos de contato por ano
Indivíduos de alto patrimônio líquido	Banqueiro pessoal dedicado	12-15 interações anualmente

Plataformas de suporte ao cliente digital

A Bok Financial opera canais de suporte digital com as seguintes métricas:

• Mobile Banking App Downloads: 187.000 a partir de 2023
• Tempo de resposta ao atendimento ao cliente on -line: 12 minutos de média
• Canais de suporte digital: web, aplicativo móvel, bate -papo, e -mail

Gerentes de relacionamento dedicados para clientes comerciais

O segmento bancário comercial inclui 2.300 gerentes de relacionamento dedicados que atendem a 18.500 clientes comerciais em vários setores.

Camada de cliente	Razão de gerente de relacionamento	Interação média anual do cliente
Pequenas empresas	1:45 clientes	8-10 interações
Empresa do mercado intermediário	1:15 clientes	15-20 interações

Opções de autoatendimento online e móvel

Os recursos da plataforma bancária digital incluem:

• Volume da transação: 3,2 milhões de transações digitais mensais
• Taxa de depósito de cheque móvel: 62% do total de depósitos
• Recursos de gerenciamento de contas on-line: 27 opções distintas de autoatendimento

Serviços regulares de consultoria financeira e consulta

A Bok Financial fornece serviços de consultoria financeira abrangentes com as seguintes métricas de engajamento:

• Clientes de gerenciamento de patrimônio: 42.500
• Frequência média de consulta consultiva: trimestral
• Ativos de consultoria de investimento sob gestão: US $ 18,3 bilhões

Bok Financial Corporation (BOKF) - Modelo de Negócios: Canais

Rede de ramificação física

A Bok Financial opera 5 regiões bancárias estaduais com 247 filiais no Arizona, Colorado, Kansas, Missouri, Novo México, Oklahoma e Texas a partir de 2023.

Estado	Número de ramificações
Oklahoma	89
Arizona	53
Colorado	42
Novo México	33
Missouri	30

Plataforma bancária online

Usuários de banco digital: 387.000 clientes bancários on -line ativos a partir do quarto trimestre 2023.

Aplicativo bancário móvel

Downloads de aplicativos bancários móveis: 215.000 em 2023, com 72% dos usuários digitais acessando mensalmente a plataforma móvel.

Rede ATM

Rede ATM total: 382 caixas eletrônicos proprietários nas regiões de serviço.

Suporte ao cliente de telefone e digital

• Centro de Suporte ao Cliente 24/7
• Tempo médio de resposta: 45 segundos
• Canais de suporte digital, incluindo email, bate -papo e telefone

Canal de suporte	Volume de contato anual
Suporte telefônico	1.245.000 ligações
Chat digital	387.000 interações
Suporte por e -mail	215.000 e -mails

Bok Financial Corporation (BOKF) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A Bok Financial atende a aproximadamente 5.400 clientes comerciais em sua presença regional de oito estados. O banco fornece soluções bancárias de negócios com uma carteira total de empréstimos comerciais de US $ 14,2 bilhões a partir do quarto trimestre 2023.

Métricas de segmento	Valor
Carteira total de empréstimos comerciais	US $ 14,2 bilhões
Número de clientes comerciais	5,400
Tamanho médio de empréstimo comercial	US $ 2,63 milhões

Clientes corporativos

A Bok Financial gerencia os relacionamentos bancários corporativos com as receitas anuais que variam de US $ 10 milhões a US $ 500 milhões. O segmento bancário corporativo do banco gerou US $ 382 milhões em receita em 2023.

• Receita de clientes corporativos: US $ 382 milhões
• Cobertura do mercado bancário corporativo: região de oito estados
• Enterprise Client Relationshames Team: 87 Profissionais

Indivíduos de alta rede

O banco atende a aproximadamente 12.500 clientes de alta rede com ativos investíveis superiores a US $ 1 milhão. Os ativos de gerenciamento de patrimônio sob administração totalizaram US $ 42,3 bilhões em 2023.

Métricas de segmento de alta rede	Valor
Número de clientes de alta rede	12,500
Ativos de gerenciamento de patrimônio	US $ 42,3 bilhões
Ativos mínimos investíveis	US $ 1 milhão

Clientes bancários de varejo

A Bok Financial atende 233.000 clientes bancários de varejo em seus mercados regionais. Os depósitos de varejo atingiram US $ 26,1 bilhões em 2023.

• Total de clientes bancários de varejo: 233.000
• Depósitos bancários de varejo: US $ 26,1 bilhões
• Taxa de adoção bancária digital: 68%

Investidores institucionais

Os serviços de investimento institucional do banco gerenciam US $ 18,7 bilhões em ativos institucionais com ofertas especializadas para fundos de pensão, doações e fundações.

Segmento de investidores institucionais	Valor
Ativos institucionais sob administração	US $ 18,7 bilhões
Número de clientes institucionais	287
Tamanho médio da portfólio institucional	US $ 65,2 milhões

Bok Financial Corporation (BOKF) - Modelo de negócios: estrutura de custos

Manutenção de infraestrutura de tecnologia

Em 2023, a Bok Financial Corporation gastou US $ 87,4 milhões em infraestrutura de tecnologia e manutenção de sistemas bancários digitais.

Categoria de despesa de tecnologia	Custo anual
Infraestrutura de TI	US $ 52,6 milhões
Sistemas de segurança cibernética	US $ 18,3 milhões
Plataformas bancárias digitais	US $ 16,5 milhões

Compensação e treinamento de funcionários

As despesas totais relacionadas aos funcionários da BOK Financial em 2023 foram de US $ 456,2 milhões.

• Despesas de salário -base: US $ 312,7 milhões
• Benefícios dos funcionários: US $ 89,5 milhões
• Treinamento e desenvolvimento: US $ 54 milhões

Despesas operacionais da rede de filiais

Categoria de custo operacional	Despesas anuais
Arrendamento e ocupação	US $ 42,3 milhões
Utilitários	US $ 8,7 milhões
Manutenção	US $ 12,5 milhões

Custos de conformidade regulatória

As despesas de conformidade regulatória de 2023 totalizaram US $ 73,6 milhões.

• Equipe legal e de conformidade: US $ 28,4 milhões
• Sistemas de auditoria e relatório: US $ 22,9 milhões
• Despesas de arquivamento regulatório: US $ 22,3 milhões

Despesas de marketing e aquisição de clientes

Categoria de despesa de marketing	Custo anual
Marketing digital	US $ 15,6 milhões
Publicidade tradicional	US $ 9,3 milhões
Programas de aquisição de clientes	US $ 11,2 milhões

Estrutura de custo anual total: US $ 667,5 milhões

Bok Financial Corporation (BOKF) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e investimentos

Para o ano fiscal de 2022, a Bok Financial Corporation registrou receita de juros líquidos de US $ 1,1 bilhão. A quebra dos ativos geradores de juros inclui:

Categoria de ativos	Valor total (2022)
Empréstimos totais	US $ 38,5 bilhões
Títulos de investimento	US $ 10,2 bilhões
Rendimento médio em empréstimos	5.47%

Taxas de serviço bancário

As receitas das taxas de serviço da BOK Financial em 2022 totalizaram US $ 356 milhões, com os seguintes componentes -chave:

• Cobranças de serviço da conta de depósito: US $ 124 milhões
• Taxas de transação do cartão de crédito: US $ 87 milhões
• Taxas de gerenciamento do Tesouro: US $ 145 milhões

Gerenciamento de patrimônio e taxas de consultoria

A receita de gestão de patrimônio para 2022 atingiu US $ 215 milhões, com ativos sob gestão totalizando US $ 44,3 bilhões.

Categoria de serviço	Receita
Serviços de consultoria de investimentos	US $ 98 milhões
Serviços de confiança e fiduciários	US $ 67 milhões
Serviços de planejamento de aposentadoria	US $ 50 milhões

Receita de processamento de transações

O processamento de transações gerou US $ 92 milhões em receita durante 2022.

• Transações de pagamento eletrônico: US $ 47 milhões
• Serviços de pagamento comercial: US $ 35 milhões
• Taxas de transferência de ACh e arame: US $ 10 milhões

Serviços bancários de investimento

As receitas do banco de investimento em 2022 totalizaram US $ 178 milhões.

Tipo de serviço	Receita
Consultor de fusão e aquisição	US $ 82 milhões
Serviços de mercado de capitais	US $ 56 milhões
Serviços de subscrição	US $ 40 milhões

BOK Financial Corporation (BOKF) - Canvas Business Model: Value Propositions

You're looking at the core reasons why clients choose BOK Financial Corporation over the competition. It's not just one thing; it's a blend of services backed by serious financial strength. That strength is definitely a key part of the value proposition.

Diversified financial services across banking, wealth, and trust.

BOK Financial Corporation delivers services across the spectrum, meaning clients don't have to jump between institutions for different needs. This diversification shows up clearly in the revenue mix. For the third quarter of 2025, the firm reported Net Income of $140.9 million. The Net Interest Income (NII) for that quarter stood at $337.6 million. Plus, the fee-based side is a major contributor, with Fees and commissions revenue totaling $204.4 million in the third quarter of 2025. This mix helps keep performance steady, even when one area slows down.

The growth in fee-based businesses is notable:

• Investment Banking revenue grew $5.0 million, driven by municipal underwriting activity.
• Trading fee income increased $1.1 million.

Regional expertise in the Midwest and Southwest US markets.

BOK Financial Corporation's value proposition is deeply tied to its focused geographic footprint, fueling its commercial banking segment. The company has roots in Tulsa, Oklahoma, and serves the American Midwest and Southwest. This regional focus allows for specialized lending, as seen in the loan portfolio growth. Period-end loans grew by $573 million in the third quarter of 2025, reaching $24.9 billion. This growth was broad-based across core Commercial & Industrial (C&I) and commercial real estate sectors. The total deposits base supporting this lending stood at $38.5 billion as of September 30, 2025.

Strong, peer-leading capital and liquidity for client security.

Client security is underpinned by capital ratios that management calls peer-leading. This means the firm has a substantial cushion relative to its peers, which is a direct value proposition for depositors and counterparties. Here's a snapshot of that strength as of September 30, 2025:

Capital Metric	Q3 2025 Ratio
Common Equity Tier 1 (CET1) Capital Ratio	13.60%
Tier 1 Capital Ratio	13.61%
Total Capital Ratio	14.48%
Tangible Common Equity (TCE) Ratio	10.06%
Loan-to-Deposit Ratio	65%

The firm maintains a healthy reserve, with the allowance for loan losses representing 1.12% of outstanding loans as of September 30, 2025.

Sophisticated investment banking and trading capabilities.

The ability to execute complex transactions is a clear value driver, especially for corporate and institutional clients. The third quarter of 2025 saw a record quarter for Investment Banking revenue, specifically supported by municipal underwriting activity. Trading fee income also contributed, increasing by $1.1 million, driven by municipal bond trading amid a more stable market environment. This capability supports the overall fee income that reached $204.4 million in the quarter.

Dedicated private wealth advisory for affluent individuals.

For affluent individuals, the value is in the management and growth of their assets. Assets under management or administration (AUMA) grew to $122.7 billion by the end of Q3 2025. That figure represented an $8.7 billion increase over the preceding six months, showing momentum from new business growth and increased market valuations. Fiduciary and Asset Management revenue remained relatively stable compared to the prior quarter, indicating consistent service delivery supporting that asset base.

Finance: draft 13-week cash view by Friday.

BOK Financial Corporation (BOKF) - Canvas Business Model: Customer Relationships

You're looking at how BOK Financial Corporation (BOKF) builds and maintains its connections across its diverse client base as of late 2025. The core philosophy here is definitely a high-touch, relationship-driven model, especially for the commercial and wealth segments.

For commercial clients, BOK Financial Corporation emphasizes a direct sales approach, supported by specialized services like treasury and cash management. This focus is paying off; for instance, core Commercial & Industrial (C&I) loan growth was reported at 8.1% in 2024, showing success in deepening those business relationships. By the third quarter of 2025, period end loans had grown to $24.9 billion, reflecting continued lending activity across commercial, C&I, and individual portfolios. The loan-to-deposit ratio stood at 65% as of September 30, 2025, indicating a stable funding base supporting these relationship-driven lending activities.

The wealth management side is a significant relationship anchor, with total Wealth assets growing to $122.7 billion by the third quarter of 2025, which represented an $8.7 billion increase in just the preceding six months. This growth is supported by a network of subsidiary and affiliate brands, allowing for global service delivery through various SEC-registered investment advisors.

Here's a snapshot of the scale and depth within the Private Wealth segment, which relies heavily on dedicated advisors:

Metric	Value (as of mid-2025)
Total Assets Under Management (Wealth)	$122.7 billion (Q3 2025)
BOK Financial Private Wealth Assets Managed	$3.2 billion
BOK Financial Private Wealth Total Clients	733
BOK Financial Private Wealth Advisor/Client Ratio	1:39
BOK Financial Private Wealth Average Client Balance	$4.3 million
BOK Financial Private Wealth Average HNW Client Assets	$7 million (for 381 HNW Clients)

You'll find that the Private Wealth Advisors are the face of the high-net-worth service, focusing on one-on-one communication to build enduring relationships, sometimes spanning decades, as one relationship dates back to 1918. This dedicated approach covers financial planning, portfolio management, and specialized trust services.

For the consumer and small business side, BOK Financial Corporation uses a hybrid approach. While the relationship focus remains, convenience is delivered through digital self-service tools. The company has significantly embraced digital adoption, offering comprehensive online and mobile banking services, which complement their physical presence. This digital layer helps manage the day-to-day needs of a broad customer base, which is also served through regional bank brands.

The local, community-focused service is delivered through the company's family of brands. BOK Financial Corporation provides a wide array of services through its regional bank brands, which operate across the Midwest and Southwest, alongside specialized affiliates. This structure lets them maintain a local, responsive feel while offering sophisticated national backing.

When it comes to Commercial and Industrial (C&I) and Commercial Real Estate (CRE) lending, the relationship is highly consultative. Bankers craft sophisticated solutions tailored to individual needs by listening and asking questions. The growth in average loan balances in Q2 2025 was specifically noted as being due to increases in portfolio balances for CRE loans and loans to individuals. The company maintains a disciplined approach to managing its CRE loan commitments, which stood at $1.9 billion in unfunded commitments as of March 31, 2025.

The customer relationship strategy is supported by several key channels and service points:

• Relationship-driven service for Commercial Banking clients.
• Dedicated Private Wealth Advisors for high-net-worth individuals.
• Digital platforms for consumer and small business banking use.
• Service delivery via regional bank brands for local presence.
• Consultative lending teams for C&I and CRE clients.
• Strategic partnerships, like the TransFund electronic funds network, integral to commercial banking.

Finance: draft 13-week cash view by Friday.

BOK Financial Corporation (BOKF) - Canvas Business Model: Channels

You're looking at how BOK Financial Corporation (BOKF) gets its value propositions to the customer, which is a mix of old-school physical presence and modern digital tools. Here's the breakdown of their Channels as of late 2025, based on the latest figures I can pull.

Retail branch network operating under multiple regional brands.

BOK Financial Corporation maintains a physical footprint across the Midwest and Southwest, operating under several distinct regional bank brands like Bank of Oklahoma, Bank of Texas, and Bank of Albuquerque, alongside the BOK Financial brand itself in other states. As of August 29, 2025, the company had a total of 129 locations across 8 states in the United States.

The concentration of these full-service locations shows where their core customer base is centered:

• The state with the most locations is Oklahoma, with 46 branches, representing about 36% of the total.
• Texas follows with 36 locations, or about 28%.
• Colorado has 20 locations, making up roughly 16%.
• New Mexico has 14 locations (11%).
• The remaining locations are spread across Arizona (4), Kansas (3), Arkansas (3), and Missouri (3).

This physical network is supported by a disciplined approach to market presence, as seen in the asset management growth, which reached $122.7 billion in Assets Under Management or Administration (AUMA) as of September 30, 2025.

State / Territory	Number of Locations (as of Aug 2025)	Percentage of Total Locations
Oklahoma	46	36%
Texas	36	28%
Colorado	20	16%
New Mexico	14	11%
Arizona	4	3%
Kansas	3	2%
Arkansas	3	2%
Missouri	3	2%

Digital banking platforms (web and mobile apps).

BOK Financial Corporation provides digital access through its web and mobile applications for commercial and consumer banking clients. While specific user adoption metrics for late 2025 aren't public, the company's operational structure supports these platforms as a primary interface for many services.

BOK Financial Private Wealth and Securities offices.

Wealth management services are delivered through specialized entities including BOK Financial Securities, Inc. and BOK Financial Private Wealth, Inc. The focus here is on high-value service delivery, evidenced by the growth in the wealth division, where Assets Under Management or Administration (AUMA) hit $122.7 billion by the end of the third quarter of 2025, marking an $8.7 billion increase in the preceding six months.

Commercial loan officers and relationship managers.

Commercial banking relationships are driven by dedicated personnel. The growth in the loan portfolio, which increased by $573 million in the third quarter of 2025 alone, speaks to the activity of these relationship managers. The company's loan-to-deposit ratio stood at 65% at September 30, 2025.

ATM network via the TransFund electronic funds network.

The electronic funds transfer network, TransFund, is a key channel for transaction processing. As of December 31, 2024, the TransFund ATM locations totaled 2,872. TransFund is recognized as a top 10 Electronic Funds Transfer processor in the United States, providing processing for almost 500 Banks & Credit Unions as of June 30, 2025. This network is critical for broad, fee-based transaction revenue streams.

BOK Financial Corporation (BOKF) - Canvas Business Model: Customer Segments

You're looking at the core client groups BOK Financial Corporation serves across its Commercial Banking, Consumer Banking, and Wealth Management segments as of late 2025. The bank's structure is built to cater to a spectrum from large corporations to individuals, with a notable regional focus in the American Midwest and Southwest.

Commercial and Industrial (C&I) businesses, especially in energy.

BOK Financial Corporation has deep roots in commercial banking, historically serving as a regional source of capital for the energy industry since 1910. While the bank has diversified, commercial exposure remains significant. Total outstanding loan balances grew by almost $1.2 billion over the first three quarters of 2025. Management noted strong momentum in the core C&I portfolio during the third quarter of 2025. At the end of 2024, loans to borrowers in the energy industry represented 13% of the total loan portfolio. By the third quarter of 2025, the specialty lending portfolio showed healthcare loans increasing by 1.8%, while energy balances saw a contraction. The full-year 2025 projection for total loan growth was set between 5% and 7%.

Commercial Real Estate (CRE) developers and investors.

CRE is a clear growth area within the commercial segment. In the third quarter of 2025, CRE balances expanded by 4.2% quarter-over-quarter, driven by the continued funding of prior commitments. This growth was noted even as overall commercial loans saw a decrease in the first quarter of 2025, where CRE loans provided a partial offset.

High-net-worth and ultra-high-net-worth individuals.

The Wealth Management group targets individuals needing sophisticated financial solutions. Wealth assets under management or administration reached $122.7 billion as of the third quarter of 2025. This represented a substantial increase of $8.7 billion over the preceding six months. Trust fees specifically benefited from higher market valuations and relationship growth in the third quarter of 2025. The service model emphasizes personal relationships, with decision-makers located across the table from the client.

Mass-market consumers and small business customers.

The Consumer Banking segment serves this broad base. BOK Financial Corporation maintains a physical presence with 114 full-service locations across 8 states in the Midwest and Southwest. Loans to individuals showed growth in the first quarter of 2025 and contributed to the broad-based loan growth seen in the third quarter of 2025. Fee income growth in the second quarter of 2025 included record quarterly highs in deposit service charges.

Institutional clients needing investment and trust services.

Institutional needs are addressed through the Wealth Management division, which includes institutional services and trust offerings. Fiduciary and asset management revenue is a key component of the fee-based income stream. The company's overall AUMA, which includes assets under administration, stood at $118 billion as of late 2025.

Here's a quick look at the key financial scale metrics relevant to these segments as of the third quarter of 2025:

Metric	Amount (As of Q3 2025)	Context
Total Loans	$24.9 billion	Total outstanding loan balances
Assets Under Management & Administration (AUMA)	$122.7 billion	Wealth assets
Total Company Assets	$51.0 billion	Corporate Snapshot
CRE Balance Growth (QoQ)	4.2%	Commercial Real Estate balances expansion in Q3 2025
Energy Loan Portfolio Percentage (End of 2024)	13%	Percentage of total loan portfolio
Full Year 2025 Loan Growth Projection	5% to 7%	Management guidance

The bank's structure supports these diverse groups through its operating divisions:

• Commercial Banking, which houses C&I and CRE lending.
• Consumer Banking for mass-market and small business needs.
• Wealth Management, which includes BOK Financial Private Wealth, Inc., and advisory services.

The loan-to-deposit ratio was 65% at September 30, 2025, showing a strong liquidity profile.

Finance: draft 13-week cash view by Friday.

BOK Financial Corporation (BOKF) - Canvas Business Model: Cost Structure

Personnel expenses, including incentive and deferred compensation.

For the first half of 2025, personnel expenses for BOK Financial Corporation totaled $428.9 million, an increase from $393.7 million in the first half of 2024.

Specific quarterly figures show the following components:

• Q1 2025 Personnel expense was $214.2 million.
• In Q1 2025, regular compensation costs grew $3.2 million due to annual merit increases.
• Cash-based incentive compensation expense decreased $4.6 million in Q1 2025 due to reduced trading activity.
• Deferred compensation expense decreased $3.2 million in Q1 2025.
• Q2 2025 Personnel expense was $214.7 million.
• The Q2 2025 increase of $1.5 million was due to higher regular and incentive compensation costs.

Interest expense on deposits and other borrowings.

For the first quarter of 2025, the cost of funds purchased and repurchase agreements was 3.05%. The cost of interest-bearing deposits was 3.24%. The cost of other borrowings was 4.57%.

Technology and digital transformation investment costs.

In Q1 2025, professional fees and services expense decreased by $1.9 million, largely related to lower technology project costs. In Q2 2025, non-personnel expense increased due to costs related to ongoing projects. Operating expense in Q2 2025 also reflected increased costs related to ongoing technology projects.

Non-personnel operating costs, including mortgage banking costs.

Non-personnel expense for BOK Financial Corporation in Q1 2025 was $133.3 million. Total operating expense in Q1 2025 was $347.5 million.

Mortgage banking costs for Q1 2025 were $7.689 million. This was a decrease of $3.003 million from the prior quarter due to lower prepayments. For Q2 2025, mortgage banking costs were $6.711 million. Total operating expense for Q2 2025 was $354.5 million. In Q3 2025, total operating expense reached $369.8 million, with mortgage banking costs increasing by $4.0 million quarter-over-quarter.

Here's a look at the quarterly operating expense components for the first three quarters of 2025:

Expense Category	Q1 2025 (in thousands)	Q2 2025 (in thousands)	Q3 2025 (in thousands)
Personnel Expense	$214,200	$214,711	(Implied: ~$226.3M based on $11.6M QoQ increase)
Mortgage Banking Costs	$7,689	$6,711	(Implied: ~$10.7M based on $4.0M QoQ increase)
Total Operating Expense	$347,529	$354,503	$369,800

Efficiency ratio targeted in the 65% to 66% range for FY2025.

BOK Financial Corporation guided the full year 2025 efficiency ratio to be in the 65% to 66% range. The company achieved an efficiency ratio of 65.4% in Q2 2025. The efficiency ratio was 66.7% for the third quarter of 2025.

BOK Financial Corporation (BOKF) - Canvas Business Model: Revenue Streams

You're looking at how BOK Financial Corporation actually brings in the money, which is key for any valuation work you're doing. Honestly, their revenue streams are built on a classic, diversified bank model, but with some strong wealth management and investment banking niches.

The biggest driver, as you'd expect, is the spread between what they earn on loans and what they pay on deposits. For the full year 2025, BOK Financial Corporation projects its Net Interest Income (NII) to land in a range between $1.325 billion to $1.375 billion. That's a nice step up from the $1.2 billion they saw in 2024.

Next up are the non-interest income sources, primarily fees. The projection for Fee and commission income for FY2025 is set between $775 million to $825 million. To give you a real-world snapshot of where that comes from, look at the third quarter of 2025. Total fees and commissions for that quarter hit $204.4 million.

Here's a quick look at how those revenue components stack up for the full year projection and a recent quarter:

Revenue Component	FY2025 Projection (Range)	Q3 2025 Actual Amount
Net Interest Income (NII)	$1.325 billion to $1.375 billion	$337.6 million (NII for Q3 2025)
Fee and Commission Income (Total)	$775 million to $825 million	$204.4 million (Total Fees & Commissions for Q3 2025)

The Wealth segment is a significant fee generator. BOK Financial Corporation is managing quite a bit of client money, with Assets Under Management or Administration (AUMA) hitting $122.7 billion in the third quarter of 2025. This feeds directly into Fiduciary and asset management fees. For Q3 2025, that specific revenue line was reported at $63,878 thousand.

The interest revenue side is fueled by the loan book. You're definitely seeing interest from their Commercial, consumer, and real estate loan portfolios contributing to that NII. Period end loans grew to $24.9 billion as of September 30, 2025. That total interest revenue for Q3 2025, which includes loans, was $647,018 thousand.

The fee income has some high-value components, too. The Trading, brokerage, and investment banking fees are important, especially when markets cooperate. For instance, Investment Banking revenue hit a record $16.1 million in Q3 2025, largely thanks to municipal bond underwriting. Brokerage and trading revenue for that same quarter was $43,239 thousand.

You can break down the fee income drivers from Q3 2025 like this:

• Investment Banking Fees: Record quarter at $16.1 million.
• Brokerage and Trading Revenue: $43,239 thousand.
• Fiduciary and Asset Management Revenue: $63,878 thousand.
• Mortgage Banking Revenue: $19,764 thousand.

The company is also actively managing its balance sheet to optimize NII, with the CFO noting drivers like fixed-rate asset repricing and incremental deposit repricing opportunities. If onboarding for that new mortgage finance business takes longer than the targeted September-October 2025 launch, revenue timing could shift, defintely something to watch. Finance: draft 13-week cash view by Friday.