Company Description
BOK Financial Corporation (NASDAQ: BOKF) is a regional financial services company in the commercial banking industry, operating within the finance and insurance sector. According to company disclosures and recent news releases, BOK Financial is described as a $50–$51 billion regional financial services company headquartered in Tulsa, Oklahoma, with over $100 billion in assets under management and administration. Its stock is listed on the NASDAQ Global Select Market under the symbol BOKF.
The company’s structure includes several key holdings. BOK Financial Corporation’s primary banking subsidiary is BOKF, NA. Other holdings include BOK Financial Securities, Inc. and BOK Financial Private Wealth, Inc. BOKF, NA’s holdings include TransFund and Cavanal Hill Investment Management, Inc. Through these entities, BOK Financial participates in commercial and consumer banking, brokerage trading, investment and trust services, mortgage-related activities, and an electronic funds transfer network, as described in multiple company press releases.
Business segments and activities
Based on the company’s own description and the Polygon profile, BOK Financial operates through several major business lines. These include commercial banking, consumer banking, and wealth management. The commercial banking segment includes lending, treasury and cash management services, and customer risk management products for small businesses, middle market clients, and larger commercial customers. The company has stated that it generates maximum revenue from the commercial banking segment.
In addition to lending and deposit activities, BOK Financial offers cash management services, fiduciary and insurance services, mortgage banking, and brokerage and trading services. These activities are carried out through its bank and non-bank subsidiaries. The company also notes that it operates an electronic funds transfer network through its TransFund operations, and provides investment management services through Cavanal Hill Investment Management, Inc.
Geographic footprint
BOKF, NA operates banking divisions across multiple U.S. states. According to the company’s own “About BOK Financial” descriptions in recent news releases, these banking divisions operate as:
- Bank of Albuquerque
- Bank of Oklahoma
- Bank of Texas
- BOK Financial in Arizona, Arkansas, Colorado, Kansas and Missouri
The company also reports having limited purpose offices in Connecticut, Nebraska, Tennessee and Wisconsin. This footprint reflects a focus on regional banking markets across parts of the Midwest and Southwest, supported by specialized offices in additional states.
Regulatory status and public company profile
BOK Financial Corporation is incorporated in Oklahoma, as disclosed in its SEC Form 8-K filings. Those filings list the company’s jurisdiction of incorporation as Oklahoma and provide its Commission File Number as 001-37811. The company files periodic and current reports with the U.S. Securities and Exchange Commission, including earnings-related Form 8-Ks that attach press releases and financial information for specific quarters and periods.
Recent Form 8-K filings show that BOK Financial regularly reports results of operations and financial condition for quarterly periods, and furnishes investor presentations under Regulation FD. For example, the company has filed 8-Ks to announce quarterly earnings, attach earnings press releases and financial information, and furnish investor presentations used in conversations with investors and analysts. These filings demonstrate an ongoing reporting cadence typical of a publicly traded financial institution.
Capital and funding activities
In an 8-K dated November 3, 2025, BOK Financial reported that BOKF, NA, its banking subsidiary, successfully priced Fixed-Rate Reset Subordinated Notes Due 2040 in a transaction exempt from registration under Section 3(a)(2) of the Securities Act of 1933. The filing states that the bank intends to use the net proceeds for general corporate purposes and expects the notes to be treated as Tier II regulatory capital. The filing also notes that the notes are obligations solely of the bank and are not obligations of, or guaranteed by, the parent company or other affiliates. This illustrates how the banking subsidiary accesses capital markets and manages its regulatory capital structure.
Corporate governance and leadership continuity
BOK Financial’s SEC filings also provide insight into its governance. A Form 8-K dated July 24, 2025 reports the retirement of a long-serving director from the Board of Directors, noting more than five decades of service and prior tenure as chief executive officer. This type of disclosure underscores the company’s obligation to report significant changes in its board composition and leadership, and reflects continuity and transitions in its governance framework.
Services and client focus
Across its banking divisions and subsidiaries, BOK Financial states that it provides commercial and consumer banking, brokerage trading, investment, trust and insurance services, mortgage origination and servicing, and an electronic funds transfer network. The Polygon description further notes that its commercial banking activities include lending, treasury and cash management services, and customer risk management products for small businesses, middle market firms, and larger commercial customers. These disclosures indicate a focus on both individual consumers and a range of business clients, from smaller enterprises to larger commercial organizations.
Investor relations and communications
BOK Financial regularly communicates with investors through earnings releases, conference calls, and investor presentations. Multiple news releases describe quarterly and full-year earnings announcements, accompanied by conference calls and webcasts. Related Form 8-K filings attach press releases and financial information, and note that investor presentations are posted to the company’s investor website and may be used in discussions with investors and analysts. These practices show how the company provides financial and operational updates to the market.
Summary
In summary, BOK Financial Corporation is a regional financial services and commercial banking company headquartered in Tulsa, Oklahoma, with its common stock traded on the NASDAQ Global Select Market under the symbol BOKF. Through BOKF, NA and affiliated entities such as BOK Financial Securities, Inc., BOK Financial Private Wealth, Inc., TransFund, and Cavanal Hill Investment Management, Inc., the company engages in commercial and consumer banking, wealth management, mortgage-related activities, brokerage and trading, investment and trust services, and electronic funds transfer services. Its disclosures emphasize the importance of its commercial banking segment, its multi-state banking footprint, and its ongoing reporting and communication with investors through SEC filings and public announcements.