BOK FINANCIAL CORP, 10-K filed on 2/18/2026
Annual Report
v3.25.4
Document And Entity Information - USD ($)
$ in Billions
 12 Months Ended
Dec. 31, 2025
Jan. 31, 2026
Jun. 30, 2025
Document and Entity Information [Abstract]      
Document Type 10-K    
Document Annual Report true    
Document Period End Date Dec. 31, 2025    
Document Transition Report false    
Entity File Number 001-37811    
Entity Registrant Name BOK FINANCIAL CORP    
Entity Incorporation, State or Country Code OK    
Entity Tax Identification Number 73-1373454    
Entity Address, Address Line One Boston Avenue at Second Street    
Entity Address, City or Town Tulsa,    
Entity Address, State or Province OK    
Entity Address, Postal Zip Code 74172    
City Area Code 918    
Local Phone Number 588-6000    
Title of 12(b) Security Common Stock, par value $0.00006 per share    
Trading Symbol BOKF    
Security Exchange Name NASDAQ    
Entity Well-known Seasoned Issuer Yes    
Entity Voluntary Filers No    
Entity Current Reporting Status Yes    
Entity Interactive Data Current Yes    
Entity Filer Category Large Accelerated Filer    
Entity Small Business false    
Entity Emerging Growth Company false    
ICFR Auditor Attestation Flag true    
Entity Shell Company false    
Entity Public Float     $ 2.5
Entity Common Stock, Shares Outstanding   (60,696,695)  
Entity Central Index Key 0000875357    
Current Fiscal Year End Date --12-31    
Document Fiscal Year Focus 2025    
Document Fiscal Period Focus FY    
Amendment Flag false    
Document Financial Statement Error Correction false    
Auditor Firm ID 42    
Auditor Name Ernst & Young LLP    
Auditor Location Tulsa, Oklahoma    
v3.25.4
Consolidated Statements of Earnings - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Interest and dividend revenue [Abstract]      
Loans $ 1,625,342 $ 1,760,774 $ 1,630,620
Residential mortgage loans held for sale 5,075 5,062 4,341
Trading securities 295,947 288,182 215,994
Investment securities 26,614 30,005 33,822
Available for sale securities 526,587 490,543 387,891
Fair value option securities 3,851 761 7,760
Restricted equity securities 25,213 32,903 29,683
Interest-bearing cash and cash equivalents 22,639 28,234 32,353
Total interest and dividend revenue 2,531,268 2,636,464 2,342,464
Interest Expense, Operating      
Deposits 955,771 1,025,729 626,597
Borrowed funds 240,759 390,761 434,735
Subordinated debentures 7,394 9,216 8,952
Total interest expense 1,203,924 1,425,706 1,070,284
Net interest income 1,327,344 1,210,758 1,272,180
Provision for credit losses 2,000 18,000 46,000
Net interest and dividend income after provision for credit losses 1,325,344 1,192,758 1,226,180
Total fees and commissions revenue 800,740 810,023 781,118
Other gains, net 43,757 79,726 56,795
Gain (loss) on derivatives, net 12,281 (22,461) (9,921)
Gain (loss) on fair value option securities, net 2,618 (256) (4,292)
Change in fair value of mortgage servicing rights (13,227) 18,437 (3,115)
Gain (loss) on available-for-sale securities, net 1,961 (45,828) (30,636)
Total other operating revenue 848,130 839,641 789,949
Other operating expense [Abstract]      
Personnel 877,969 811,239 766,610
Business promotion 39,433 33,274 31,796
Charitable contributions to BOKF Foundation 0 13,610 2,707
Professional fees and services 62,179 53,921 55,337
Net occupancy and equipment 131,382 125,328 121,502
FDIC and other insurance 26,406 31,105 30,780
FDIC special assessment (10,688) 5,521 43,773
Data processing and communications 198,536 187,273 181,365
Printing, postage, and supplies 15,819 15,079 15,225
Amortization of intangible assets 10,620 11,612 13,882
Mortgage banking costs 35,731 34,638 30,524
Other expense 45,469 43,155 39,380
Total other operating expense 1,432,856 1,365,755 1,332,881
Net income before taxes 740,618 666,644 683,248
Federal and state income taxes 162,640 143,091 152,115
Net income 577,978 523,553 531,133
Net income (loss) attributable to Non-controlling interests (12) (16) 387
Net income attributable to BOK Financial Corporation shareholders $ 577,990 $ 523,569 $ 530,746
Earnings per share: [Abstract]      
Basic (in dollars per share) $ 9.17 $ 8.14 $ 8.02
Diluted (in dollars per share) $ 9.17 $ 8.14 $ 8.02
Average shares used in computation: [Abstract]      
Basic (in shares) 62,622,386 63,745,088 65,651,569
Diluted (in shares) 62,622,386 63,745,088 65,651,569
Dividends declared per share (in dollars per share) $ 2.34 $ 2.22 $ 2.17
Brokerage and trading revenue [Member]      
Total fees and commissions revenue $ 159,742 $ 218,092 $ 240,610
Transaction card revenue [Member]      
Total fees and commissions revenue 117,680 108,865 106,858
Fiduciary and asset management revenue [Member]      
Total fees and commissions revenue 257,161 230,860 207,318
Deposit service charges and fees [Member]      
Total fees and commissions revenue 125,529 118,745 108,514
Mortgage banking revenue [Member]      
Total fees and commissions revenue 77,585 74,107 55,698
Other revenue [Member]      
Total fees and commissions revenue $ 63,043 $ 59,354 $ 62,120
v3.25.4
Consolidated Statements of Comprehensive Income - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Statement of Comprehensive Income [Abstract]      
Net income $ 577,978 $ 523,553 $ 531,133
Other comprehensive income (loss), before income taxes: [Abstract]      
Net change in unrealized gain (loss) 406,730 33,461 218,293
Reclassification adjustments included in earnings: [Abstract]      
Interest revenue, Investment securities 35,300 46,020 60,394
Loss (gain) on available-for-sale securities, net (1,961) 45,828 30,636
Other comprehensive income (loss), before income taxes 440,069 125,309 309,323
Federal and state income taxes 103,199 29,249 71,468
Other comprehensive income (loss), net of income taxes 336,870 96,060 237,855
Comprehensive income (loss) 914,848 619,613 768,988
Comprehensive income (loss) attributable to non-controlling interests (12) (16) 387
Comprehensive income (loss) attributable to BOK Financial Corp. shareholders $ 914,860 $ 619,629 $ 768,601
v3.25.4
Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Assets [Abstract]    
Cash and due from banks $ 1,001,107 $ 1,043,969
Interest-bearing cash and cash equivalents 656,995 390,732
Trading securities 5,392,745 4,899,090
Investment securities 1,784,242 [1] 2,017,225 [2]
Available-for-sale securities 13,606,625 12,851,600
Fair value option securities 102,096 17,876
Restricted equity securities 224,757 406,178
Residential mortgage loans held for sale 94,630 77,561
Loans 25,651,462 24,114,724
Allowance for loan losses (275,860) (280,035)
Loans, net of allowance 25,375,602 23,834,689
Premises and equipment, net 638,936 634,485
Receivables 292,978 281,091
Goodwill 1,044,749 1,044,749
Intangible assets, net 34,752 46,788
Mortgage servicing rights 322,724 338,145
Real estate and other repossessed assets, net of allowance 176 2,254
Derivative contracts, net 300,775 242,809
Cash surrender value of bank-owned life insurance 421,514 416,741
Receivable on unsettled securities sales 62,034 4,825
Other assets 880,064 1,135,085
Total assets 52,237,501 49,685,892
Deposits [Abstract]    
Non-interest bearing demand deposits 8,081,930 8,371,897
Interest-bearing Deposit Liabilities [Abstract]    
Transaction 26,850,070 25,455,106
Savings 863,923 828,817
Time 3,639,083 3,535,410
Total deposits 39,435,006 38,191,230
Funds purchased and repurchase agreements 1,491,716 1,292,856
Other borrowings 2,745,939 3,030,123
Subordinated debentures 396,589 131,200
Accrued interest, taxes, and expense 382,809 352,345
Derivative contracts, net 397,573 237,582
Due on unsettled securities purchases 991,073 405,494
Other liabilities 476,116 494,105
Total liabilities 46,316,821 44,134,935
Shareholders' equity: [Abstract]    
Common stock 5 5
Capital surplus 1,429,369 1,429,628
Retained earnings 6,022,586 5,592,100
Treasury stock (1,367,144) (970,340)
Accumulated other comprehensive loss (166,170) (503,040)
Total shareholders’ equity 5,918,646 5,548,353
Non-controlling interests 2,034 2,604
Total equity 5,920,680 5,550,957
Total liabilities and equity $ 52,237,501 $ 49,685,892
[1] Carrying value includes $83 million of net unrealized loss which remains in AOCI in the Consolidated Balance Sheets related to certain securities transferred during the second quarter of 2022 from the Available-for-Sale securities portfolio to the Investment securities portfolio.
[2] Carrying value includes $119 million of net unrealized loss which remains in AOCI in the Consolidated Balance Sheets related to certain securities transferred during the second quarter of 2022 from the Available-for-Sale securities portfolio to the Investment securities portfolio.
v3.25.4
Consolidated Balance Sheets (Parenthetical) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Investment securities [Abstract]    
Investment securities, fair value $ 1,662,005 $ 1,817,929
Real estate and other repossessed assets, allowance $ 3,515 $ 5,537
Shareholders' equity: [Abstract]    
Common stock, par value (in dollars per share) $ 0.00006 $ 0.00006
Common stock, shares authorized (in shares) 2,500,000,000 2,500,000,000
Common stock, shares issued (in shares) 77,030,997 76,817,607
Common stock, shares outstanding (in shares) 60,620,507 64,121,299
Treasury Stock, Common, Shares 16,410,490 12,696,308
v3.25.4
Consolidated Statements of Changes in Equity - USD ($)
$ in Thousands
Total
Common Stock [Member]
Capital Surplus [Member]
Retained Earnings [Member]
Treasury Stock, Common
Accumulated Other Comprehensive Income (Loss) [Member]
Total Shareholders' Equity [Member]
Non-Controlling Interests [Member]
Shares, Issued   76,423,000            
Treasury Stock, Common, Shares at Dec. 31, 2022         9,465,000      
Balance, beginning of period at Dec. 31, 2022 $ 4,687,358 $ 5 $ 1,390,395 $ 4,824,164 $ (694,960) $ (836,955) $ 4,682,649 $ 4,709
Net income 531,133     530,746     530,746 387
Other comprehensive income (loss), net 237,855         237,855 237,855  
Repurchase of common stock (in shares)         2,114,000      
Treasury Stock, Value, Acquired, Cost Method 176,819       $ 176,819   176,819  
Non-vested shares awarded, net (in shares)   170,000            
Vesting of non-vested shares (in shares)         47,000      
Vesting of non-vested shares (4,941)       $ (4,941)   (4,941)  
Share-based compensation 16,350   16,350       16,350  
Cash dividends on common stock (143,398)     (143,398)     (143,398)  
Capital calls and distributions, net (2,119)             (2,119)
Treasury Stock, Common, Shares at Dec. 31, 2023         11,626,000      
Balance, end of period at Dec. 31, 2023 5,145,419 $ 5 1,406,745 5,211,512 $ (876,720) (599,100) 5,142,442 2,977
Balance, end of period (in shares) at Dec. 31, 2023   76,593,000            
Shares, Issued   76,593,000            
Net income 523,553     523,569     523,569 (16)
Other comprehensive income (loss), net 96,060         96,060 96,060  
Repurchase of common stock (in shares)         1,029,000      
Treasury Stock, Value, Acquired, Cost Method 89,856       $ 89,856   89,856  
Non-vested shares awarded, net (in shares)   225,000            
Vesting of non-vested shares (in shares)         41,000      
Vesting of non-vested shares (3,764)       $ (3,764)   (3,764)  
Share-based compensation 22,883   22,883       22,883  
Cash dividends on common stock (142,981)     (142,981)     (142,981)  
Capital calls and distributions, net $ (357)             (357)
Treasury Stock, Common, Shares at Dec. 31, 2024 12,696,308       12,696,000      
Balance, end of period at Dec. 31, 2024 $ 5,550,957 $ 5 1,429,628 5,592,100 $ (970,340) (503,040) 5,548,353 2,604
Balance, end of period (in shares) at Dec. 31, 2024   76,818,000            
Shares, Issued   76,818,000            
Net income 577,978     577,990     577,990 (12)
Other comprehensive income (loss), net 336,870         336,870 336,870  
Repurchase of common stock (in shares)         3,656,000      
Treasury Stock, Value, Acquired, Cost Method 413,208   22,962   $ 390,246   413,208  
Non-vested shares awarded, net (in shares)   213,000            
Vesting of non-vested shares (in shares)         58,000      
Vesting of non-vested shares (6,558)       $ (6,558)   (6,558)  
Share-based compensation 22,703   22,703       22,703  
Cash dividends on common stock (147,504)     (147,504)     (147,504)  
Capital calls and distributions, net $ (558)             (558)
Treasury Stock, Common, Shares at Dec. 31, 2025 16,410,490       16,410,000      
Balance, end of period at Dec. 31, 2025 $ 5,920,680 $ 5 $ 1,429,369 $ 6,022,586 $ (1,367,144) $ (166,170) $ 5,918,646 $ 2,034
Balance, end of period (in shares) at Dec. 31, 2025   77,031,000            
Shares, Issued   77,031,000            
v3.25.4
Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Cash Flows From Operating Activities: [Abstract]      
Net income $ 577,978 $ 523,553 $ 531,133
Adjustments to reconcile net income to net cash provided by (used in) operating activities: [Abstract]      
Provision for credit losses 2,000 18,000 46,000
Change in fair value of mortgage servicing rights due to market changes 13,227 (18,437) 3,115
Change in fair value of mortgage servicing rights due to principal payments 29,875 30,807 27,343
Net unrealized losses (gains) from derivative contracts 89,536 (173,247) 133,118
Share-based compensation 22,703 22,883 16,350
Depreciation and amortization 110,206 105,306 109,893
Net amortization of discounts and premiums (52,129) (45,069) (19,985)
Net losses (gains) on financial instruments and other losses (gains), net (45,718) (33,898) (26,162)
Net loss (gain) on mortgage loans held for sale (8,764) (7,625) 4,483
Mortgage loans originated for sale (839,158) (812,263) (666,391)
Proceeds from sale of mortgage loans held for sale 830,758 800,376 679,389
Capitalized mortgage servicing rights (13,066) (14,976) (12,141)
Charitable contributions to BOKF Foundation 0 13,610 0
Change in trading and fair value option securities (577,958) 297,198 (453,340)
Change in receivables (61,528) 321,945 (316,819)
Change in other assets 111,816 106,972 89,930
Change in other liabilities 549,842 295,319 (79,733)
Net cash provided by (used in) operating activities 739,620 1,430,454 66,183
Cash Flows From Investing Activities: [Abstract]      
Proceeds from maturities or redemptions of investment securities 230,688 224,077 268,263
Proceeds from maturities or redemptions of available-for-sale securities 2,220,270 2,138,581 1,558,160
Purchases of investment securities 0 0 (2,504)
Purchases of available-for-sale securities (2,826,054) (3,467,059) (2,951,422)
Proceeds from sales of available-for-sale securities 305,729 839,352 834,704
Change in amount receivable on unsettled available-for-sale securities transactions (8,351) 100,758 (86,110)
Loans originated, net of principal collected (1,494,638) (195,624) (1,349,900)
Net payments or proceeds on derivative asset contracts (34,704) 12,204 154,602
Proceeds from sale of BOKF Insurance 0 0 32,601
Net change in restricted equity securities     123,448
Net change in restricted equity securities 181,421 16,921  
Proceeds from disposition of assets 68,282 25,147 39,708
Purchases of assets (164,389) (171,589) (165,918)
Net cash provided by (used in) investing activities (1,521,746) (477,232) (1,791,264)
Cash Flows From Financing Activities: [Abstract]      
Net change in demand deposits, transaction deposits and savings accounts 1,140,103 3,648,141 (2,011,184)
Net change in time deposits 103,673 523,388 1,550,180
Net change in other borrowed funds (133,685) (4,526,879) 1,802,549
Repayment of subordinated debentures (132,166) 0 0
Issuance of subordinated debentures, net of issuance costs 396,568 0 0
Change in amount due on unsettled security purchases 31,448 (180,074) 190,085
Issuance of common and treasury stock, net (6,558) (3,764) (4,941)
Net change in derivative margin accounts 161,894 (81,284) 631,433
Net payments or proceeds on derivative liability contracts 4,962 (13,477) (166,275)
Repurchase of common stock (413,208) (89,856) (176,819)
Dividends paid (147,504) (142,981) (143,398)
Net cash provided by (used in) financing activities 1,005,527 (866,786) 1,671,630
Net increase (decrease) in cash and cash equivalents 223,401 86,436 (53,451)
Cash and cash equivalents at beginning of period 1,434,701 1,348,265 1,401,716
Cash and cash equivalents at end of period 1,658,102 1,434,701 1,348,265
Supplemental Cash Flow Information: [Abstract]      
Cash paid for interest 1,205,437 1,428,059 1,044,950
Cash paid for federal taxes 80,950 83,000 152,400
Cash paid for state taxes 13,277 17,512 21,516
Net loans and bank premises transferred to repossessed real estate and other assets 167 462 787
Residential mortgage loans guaranteed by U.S. government agencies that became eligible for repurchase during the period 48,361 25,558 14,466
Conveyance of other real estate owned guaranteed by U.S. government agencies 5,674 3,848 5,534
Right-of-use assets obtained in exchange for operating lease liabilities $ 8,471 $ 19,100 $ 71,865
v3.25.4
Mortgage Banking Activities Mortgage Banking Activities
 12 Months Ended
Dec. 31, 2025
Mortgage Banking [Abstract]  
Mortgage Banking Activities [Text Block] Mortgage Banking Activities
Residential Mortgage Loan Production

The Company originates, markets, and services conventional and government-sponsored residential mortgage loans. Generally, conforming fixed rate residential mortgage loans are held for sale in the secondary market and non-conforming and adjustable-rate residential mortgage loans are held for investment. The volume of mortgage loans originated for sale and secondary market prices are the primary drivers of originating and marketing revenue.

Residential mortgage loan commitments are generally outstanding for 60 to 90 days which represents the typical period from commitment to originate a residential mortgage loan to when the closed loan is sold to an investor. Residential mortgage loan commitments are subject to both credit and interest rate risk. Credit risk is managed through underwriting policies and procedures, including collateral requirements, which are generally accepted by the secondary loan markets. Exposure to interest rate fluctuations is partially managed through forward sales of residential mortgage-backed securities and forward sales contracts. These latter contracts set the price for loans that will be delivered in the next 60 to 90 days.

The unpaid principal balance of residential mortgage loans held for sale, notional amounts of derivative contracts related to residential mortgage loan commitments, and forward contract sales with their related fair values included in Mortgage loans held for sale on the Consolidated Balance Sheets were (in thousands):
 December 31, 2025December 31, 2024
 Unpaid Principal Balance/
Notional		Fair ValueUnpaid Principal Balance/
Notional		Fair Value
Residential mortgage loans held for sale$93,110 $93,133 $77,080 $75,969 
Residential mortgage loan commitments49,048 1,729 36,590 1,119 
Forward sales contracts100,500 (232)82,000 473 
  $94,630  $77,561 

No residential mortgage loans held for sale were 90 days or more past due or considered impaired as of December 31, 2025 or December 31, 2024. No credit losses were recognized on residential mortgage loans held for sale for the years ended December 31, 2025, 2024 and 2023.

Mortgage banking revenue was as follows (in thousands):
 Year Ended
 202520242023
Production revenue:  
Net realized gain (loss) on sales of mortgage loans$7,630 $8,271 $(5,021)
Net change in unrealized gain (loss) on mortgage loans held for sale1,134 (646)538 
Net change in the fair value of mortgage loan commitments610 (260)325 
Net change in the fair value of forward sales contracts(705)1,374 (1,181)
Total mortgage production revenue8,669 8,739 (5,339)
Servicing revenue68,916 65,368 61,037 
Total mortgage banking revenue$77,585 $74,107 $55,698 

Mortgage production revenue includes gain (loss) on residential mortgage loans held for sale, changes in the fair value of derivative contracts not designated as hedging instruments related to residential mortgage loan commitments, and forward sales contracts. Servicing revenue includes servicing fee income and late charges on loans serviced for others.
Residential Mortgage Servicing

The Company generally retains the right to service residential mortgage loans sold and may purchase MSR. The unpaid principal balance of loans serviced for others is the primary driver of servicing revenue.

The following represents a summary of mortgage servicing rights (dollars in thousands):
December 31,
 202520242023
Number of residential mortgage loans serviced for others123,263 125,728 115,967 
Outstanding principal balance of residential mortgage loans serviced for others$21,760,414 $22,269,513 $20,382,192 
Weighted average interest rate3.83 %3.73 %3.64 %
Remaining contractual term (in months)270276280

Activity in capitalized mortgage servicing rights during the three years ended December 31, 2025 is as follows (in thousands):
Balance, December 31, 2022$277,608 
Additions12,142 
Acquisitions34,593 
Change in fair value due to principal payments(27,344)
Change in fair value due to market assumption changes(3,115)
Balance, December 31, 2023293,884 
Additions14,976 
Acquisitions41,655 
Change in fair value due to principal payments(30,807)
Change in fair value due to market assumption changes18,437 
Balance, December 31, 2024338,145 
Additions13,066 
Acquisitions14,615 
Change in fair value due to principal payments(29,875)
Change in fair value due to market assumption changes(13,227)
Balance, December 31, 2025$322,724 

Changes in the fair value of MSR due to market changes are included in Other operating revenue in the Consolidated Statements of Earnings. Changes in fair value due to loan runoff are included in Mortgage banking costs. 

MSR are not traded in active markets. Fair value is determined by discounting the projected net cash flows. Significant assumptions used to determine fair value considered to be significant unobservable inputs were as follows:
December 31,
 20252024
Discount rate – risk-free rate plus a market premium9.31%9.60%
Prepayment rate - based upon loan interest rate, original term, and loan type7.07%7.09%
Loan servicing costs – annually per loan based upon loan type:
Performing loans
$73 - $94
$73 - $94
Delinquent loans
$150 - $500
$150 - $500
Loans in foreclosure
$875 - $6,000
$875 - $6,000
Primary/secondary mortgage rate spread
128 bps115 bps
Escrow earnings rate – indexed to rates paid on deposit accounts with a comparable average life3.66%4.44%
Delinquency rate
2.28%2.19%
Changes in primary residential mortgage interest rates directly affect the prepayment speeds used in valuing our MSR. A separate third-party model is used to estimate prepayment speeds based on interest rates, housing turnover rates, estimated loan curtailment, anticipated defaults, and other relevant factors. The prepayment model is updated periodically for changes in market conditions and adjusted to better correlate with actual performance of BOK Financial’s servicing portfolio.
v3.25.4
Significant Accounting Policies
 12 Months Ended
Dec. 31, 2025
Accounting Policies [Abstract]  
Significant Accounting Policies [Text Block] Significant Accounting Policies
Basis of Presentation
 
The Consolidated Financial Statements of BOK Financial have been prepared in conformity with U.S. GAAP, including interpretations of U.S. GAAP issued by federal banking regulators and general practices of the banking industry. The Consolidated Financial Statements include the accounts of BOK Financial and its subsidiaries, principally BOKF, NA, BOK Financial Securities, Inc., BOK Financial Private Wealth, Inc., and Cavanal Hill Distributors, Inc. All significant intercompany transactions are eliminated in consolidation. 

The Consolidated Financial Statements include the assets, liabilities, non-controlling interests and results of operations of VIEs when BOK Financial is determined to be the primary beneficiary. VIEs are generally defined as entities that either do not have sufficient equity to finance their activities without support from other parties or whose equity investors lack a controlling financial interest. Determination that the Company is the primary beneficiary considers the power to direct the activities that most significantly impact the variable interest's economic performance and the obligation to absorb losses of the variable interest or the right to receive benefits of the variable interest that could be significant to the variable interest.

Certain prior year amounts have been reclassified to conform to current year presentation.

Nature of Operations

BOK Financial, through its subsidiaries, provides a wide range of financial services to commercial and industrial customers, other financial institutions, municipalities, and consumers. These services include depository and cash management; lending and lease financing; mortgage banking; securities brokerage, trading and underwriting; and personal and corporate trust.

BOKF, NA operates as Bank of Oklahoma primarily in the Tulsa and Oklahoma City metropolitan areas of the state of Oklahoma and Bank of Texas primarily in the Dallas, Fort Worth, Houston, and San Antonio metropolitan areas of the state of Texas. In addition, BOKF, NA does business as BOK Financial in the metropolitan areas of Phoenix, Arizona; Northwest Arkansas; Denver, Colorado; Kansas City, Kansas/Missouri; and as Bank of Albuquerque in Albuquerque, New Mexico. BOKF, NA also operates the TransFund electronic funds network and Cavanal Hill Investment Management.

Use of Estimates

Preparation of BOK Financial's Consolidated Financial Statements requires management to make estimates of future economic activities, including loan collectability, loss contingencies, prepayments and cash flows from customer accounts. These estimates are based upon current conditions and information available to management. Actual results may differ significantly from these estimates.

Acquisitions
 
Assets and liabilities acquired, including identifiable intangible assets, are recorded at fair value on the acquisition date. The purchase price includes consideration paid at closing and the estimated fair value of contingent consideration that will be paid in the future, subject to achieving defined performance criteria. Premiums and discounts assigned to interest-earning assets and interest-bearing liabilities are amortized over the lives of the acquired assets and liabilities on either an individual instrument or pool basis. Goodwill is recognized as the excess of the purchase price over the net fair value of assets acquired and liabilities assumed.

Acquired loans with more than an insignificant credit deterioration since inception are recorded at fair value plus a gross-up amount which is offset by an allowance for credit losses. Acquired loans without a more than insignificant credit deterioration since inception are recorded at fair value. An allowance for credit losses is recognized through a provision for credit losses, similar to origination loans.

The Consolidated Statements of Earnings include the results of operations from the acquisition date.
Goodwill and Intangible Assets
 
Goodwill and intangible assets generally result from business combinations and are evaluated for each of BOK Financial's reporting units for impairment annually as of October 1, or more frequently if conditions indicate impairment. The evaluation of possible impairment of goodwill and intangible assets involves significant judgment based upon short-term and long-term projections of future performance.

The Company has three reporting units which align with its three operating segments. The reporting unit level is consistent with the level at which the CODM assesses the performance of the Company and makes decisions concerning the allocation of resources.

During the qualitative assessment for impairment, management qualitatively assesses whether it is more likely than not that the fair value of the reporting units is less than their carrying value, including goodwill. Reporting unit carrying value includes sufficient capital to exceed regulatory requirements. This assessment includes consideration of relevant events and circumstances, including, but not limited to, macroeconomic conditions, industry and market conditions, the financial and stock performance of the Company and other relevant factors. Specifically, the analysis may include:

•General economic conditions including overall economic activity, consumer spending and mobility, unemployment rates, consumer confidence, and duration and severity of any current market moving instability.
•Regional economic conditions including demand for oil and price stability of oil, other overarching conditions that may be affecting any of the Company's primary states such as weather or other catastrophes, pandemics and health related lockdowns, or other state mandates.
•Industry conditions including federal funds rate movement by the Federal Reserve, the interest rate environment and the resulting effect on net interest income and operating revenue, and regulatory mandates that hinder or provide relief to the financial services industry.
•Company specific conditions including current and forecasted income, changes in stock price, the Company's stock price compared to peers and other indexes, book value per share compared to fair value per share, goodwill compared to total shareholders' equity, current capital and liquidity position, demand for products and services, health of the loan portfolio and other credit related factors, current credit ratings with the ratings agencies, and regulatory ratings.
•Reporting unit performance and forecasts including any event that may significantly impact a reporting unit.

If management concludes based on the qualitative assessment that goodwill may be impaired, a quantitative impairment test will be applied to goodwill at all reporting units. The quantitative analysis uses a blend of both income and market approaches to value the reporting units and compares the fair value of the reporting unit with its carrying value. Goodwill is considered impaired if the fair value of the reporting unit is less than the carrying value of the reporting unit, including goodwill.

Both the qualitative assessment and quantitative analysis require significant management judgment, including estimates of changes in future economic conditions and their underlying causes and duration, the reasonableness and effectiveness of management's responses to those changes, changes in governmental fiscal and monetary policies, and fair value measurements based largely on significant unobservable inputs. The results of these judgments may have a significant impact on the Company's reported results of operations.

Intangible assets are generally composed of customer relationships, naming rights, non-compete agreements, and core deposit premiums. They are amortized using accelerated or straight-line methods, as appropriate, over the estimated benefit periods. These periods range from 3 years to 20 years. The net book values of identifiable intangible assets are evaluated for impairment when economic conditions indicate impairment may exist.
 
Cash Equivalents
 
Due from banks, funds sold (generally federal funds sold for one day), resell agreements (which generally mature within one day to 30 days), and investments in money market funds are considered cash equivalents.
Securities
 
Securities are identified as trading, investment (held-to-maturity), or available-for-sale at the time of purchase based upon the intent of management, liquidity and capital requirements, regulatory limitations, and other relevant factors. Trading securities, which are acquired for profit through resale, are carried at fair value with unrealized gains and losses included in current period earnings. Investment securities are carried at amortized cost. Amortization is computed by methods that approximate level yield and is adjusted for changes in prepayment estimates. Securities identified as available-for-sale are carried at fair value. Unrealized gains and losses are recorded, net of deferred income taxes, as accumulated other comprehensive income in shareholders' equity. AFS securities are separately identified as pledged to creditors if the creditor has the right to sell or repledge the collateral.

The purchase or sale of securities is recognized on a trade date basis. Realized gains and losses on sales of securities are based upon specific identification of the security sold. A receivable or payable is recognized for subsequent transaction settlement.
 
On a quarterly basis, the Company performs separate evaluations of debt investment and AFS securities for the presence of impairment. We assess whether impairment is present on an individual security basis when the fair value of a debt security is less than the amortized cost.

Management determines whether it intends to sell or if it is more likely than not that it will be required to sell impaired securities. This determination considers current and forecasted liquidity requirements and securities portfolio management. If the Company intends to sell or it is more likely than not that it will be required to sell the impaired debt security, a charge is recognized against earnings for the entire unrealized loss. For all impaired debt securities for which there is no intent or expected requirement to sell, the evaluation considers all available evidence to assess whether it is more likely than not that all amounts due would not be collected according to the security’s contractual terms and whether there is any impairment attributable to credit-related factors. If an impairment exists, the amount attributed to credit-related factors is measured and an allowance for credit loss is recognized. Declines in fair value that are not recorded in the allowance are recorded in other comprehensive income, net of taxes.

BOK Financial may elect to carry certain securities that are not held for trading purposes at fair value with changes in fair value recognized in current period income. These securities are held with the intent that gains or losses will offset changes in the fair value of MSR or other financial instruments.

Restricted equity securities represent equity interests the Company is required to hold in the Federal Reserve Banks and Federal Home Loan Banks. Restricted equity securities are carried at cost as these securities do not have a readily determined fair value because ownership of these shares is restricted and they lack a market.

The fair value of our securities portfolio is generally based on a single price for each financial instrument provided to us by a third-party pricing service determined by one or more of the following:

•quoted prices for similar, but not identical, assets or liabilities in active markets;
•quoted prices for identical or similar assets or liabilities in inactive markets;
•inputs other than quoted prices that are observable, such as interest rate and yield curves, volatilities, prepayment speeds, loss severities, credit risks and default rates; and
•other inputs derived from or corroborated by observable market inputs.

The underlying methods used by the third-party pricing services are considered in determining the primary inputs used to determine fair values. We evaluate the methodologies employed by the third-party pricing services by comparing the price provided by the pricing service with other sources, including brokers' quotes, sales or purchases of similar instruments, and discounted cash flows to establish a basis for reliance on the pricing service values. Significant differences between the pricing service provided value and other sources are discussed with the pricing service to understand the basis for their values. Based on all observable inputs, management may adjust prices obtained from third-party pricing services to more appropriately reflect the prices that would be received to sell assets or paid to transfer liabilities in orderly transactions in the current market.
Derivative Instruments
 
Derivative instruments may be used by the Company as part of its internal risk management programs or may be offered to customers. All derivative instruments are carried at fair value and changes in fair value are generally reported in income as they occur. The determination of fair value of derivative instruments considers changes in interest rates, commodity prices, and foreign exchange rates. Fair values for exchange-traded contracts are based on quoted prices in an active market for identical instruments. Fair values for over-the-counter contracts are generated internally using third-party valuation models. Inputs used in third-party valuation models to determine fair values are considered significant other observable inputs. Credit risk is also considered in determining fair value. Deterioration in the credit rating of customers or other counterparties reduces the fair value of asset contracts. Deterioration of our credit rating could decrease the fair value of our derivative liabilities.

When bilateral netting agreements or similar agreements exist between the Company and its counterparties that create a single legal claim or obligation to pay or receive the net amount in settlement of the individual derivative contracts, the Company reports derivative assets and liabilities on a net by derivative contract by counterparty basis.

Derivative contracts may also require the Company to provide or receive cash margin as collateral for derivative assets and liabilities. Derivative assets and liabilities are reported net of cash margin when certain conditions are met. In addition, derivative contracts executed with customers under Customer Risk Management Programs may be secured by non-cash collateral in conjunction with a credit agreement with that customer. Access to collateral in the event of default is reasonably assured.

BOK Financial offers programs that permit its customers to manage various risks, including fluctuations in energy prices, interest rates, foreign exchange rates, and other commodities with derivative contracts. Customers may also manage interest rate risk through interest rate swaps used by the borrower to modify interest rate terms of their loans. Derivative contracts are executed between the customers and BOK Financial. Offsetting contracts are executed between BOK Financial and other selected counterparties to minimize market risk from changes in commodity prices, interest rates, or foreign exchange rates. The counterparty contracts are identical to customer contracts, except for a fixed pricing spread or fee paid to BOK Financial as profit and compensation for administrative costs and credit risk which is recognized over the life of the contracts and included in Other operating revenue - brokerage and trading revenue in the Consolidated Statements of Earnings.

BOK Financial may offer derivative instruments such as to-be-announced U.S. agency residential mortgage-backed securities to mortgage banking customers to enable them to manage their market risk or to mitigate the Company's market risk of holding trading securities. Changes in the fair value of derivative instruments for trading purposes or used to mitigate the market risk of holding trading securities are included in Other operating revenue - brokerage and trading revenue in the Consolidated Statements of Earnings.

BOK Financial may use derivative instruments in managing its interest rate sensitivity, as part of its economic hedge of the changes in the fair value of MSR. Changes in the fair value of derivative instruments used in managing interest rate sensitivity and as part of its economic hedge of changes in the fair value of MSR are included in Other operating revenue - gain (loss) on derivatives, net in the Consolidated Statements of Earnings.

BOK Financial also enters into mortgage loan commitments that are considered derivative contracts. Forward sales contracts that have not been designated as hedging instruments are used to economically hedge these mortgage loan commitments as well as mortgage loans held for sale. Mortgage loan commitments, forward sales contracts, and residential mortgage loans held for sale are carried at fair value. Changes in the fair value are reported in Other operating revenue - mortgage banking revenue in the Consolidated Statements of Earnings.

Loans
 
Loans are either secured or unsecured based on the type of loan and the financial condition of the borrower. Repayment is generally expected from cash flow or proceeds from the sale of selected assets of the borrower. BOK Financial is exposed to risk of loss on loans due to the borrower’s financial difficulties, which may arise from any number of factors, including problems within the respective industry or local economic conditions. Access to collateral, in the event of borrower default, is reasonably assured through adherence to applicable lending laws and through sound lending standards and credit review procedures. Accounting policies for all loans, excluding residential mortgage loans guaranteed by U.S. government agencies, are as follows:
Interest is accrued at the applicable interest rate on the outstanding principal amount. Loans are placed on nonaccruing status when, in the opinion of management, full collection of principal or interest is uncertain. Internally risk graded loans are individually evaluated for nonaccruing status quarterly. Non-risk graded loans are generally placed on nonaccruing status when 90 days or more past due or within 60 days of being notified of the borrower's bankruptcy filing. Interest previously accrued but not collected is charged against interest income when the loan is placed on nonaccruing status. Payments received on nonaccruing loans are applied to principal or recognized as interest income, according to management's judgment as to the collectability of principal. Loans may be returned to accruing status when, in the opinion of management, full collection of principal and interest, including principal previously charged off, is probable based on improvements in the borrower's financial condition or a sustained period of performance.

For loans acquired with no evidence of credit deterioration, discounts are accreted on either an individual basis for loans with unique characteristics or on a pool basis for groups of homogeneous loans. Accretion is discontinued when a loan with an individually attributed discount is placed on nonaccruing status.

Modifications of loans to existing borrowers generally consist of interest rate reductions, extension of payment terms or a combination of these. Modifications may arise either voluntarily through negotiations with the borrower or involuntarily through court order. Payment deferrals up to six months are generally considered to be short-term modifications. Generally, principal and accrued, but unpaid, interest are not voluntarily forgiven. A change to the allowance for credit losses is generally not recorded upon modification because the effect of most modifications made to borrowers experiencing financial difficulty is already included in the allowance methodology.

Performing loans may be renewed under the then-current collateral, debt service ratio, and other underwriting standards. Nonaccruing loans may also be renewed and will remain classified as nonaccruing.

Occasionally, loans, other than residential mortgage loans, may be held for sale in order to manage credit concentration. These loans are carried at the lower of cost or fair value with gains or losses recognized in Other operating revenue - other gains (losses), net in the Consolidated Statements of Earnings.

All loans are charged off when the loan balance or a portion of the loan balance is no longer supported by the paying capacity of the borrower or when the required cash flow is reduced in a modification. The charge-off amount is determined through an evaluation of available cash resources and collateral value. Internally risk graded loans are evaluated quarterly and charge-offs are taken in the quarter in which the loss is identified. Non-risk graded loans that are past due between 60 days and 180 days, based on the loan product type, are charged off. Loans to borrowers whose personal obligation has been discharged through Chapter 7 bankruptcy proceedings are charged off within 60 days of notice of the bankruptcy filing, regardless of payment status.

Loan origination and commitment fees, and direct loan acquisition and origination costs are deferred and amortized as an adjustment to yield over the life of the loan or over the commitment period, as applicable. Amortization does not anticipate loan prepayments. Net unamortized fees are recognized in full at time of payoff.

We sell qualifying residential mortgage loans guaranteed by U.S. government agencies into GNMA pools. GNMA optional repurchase programs allow financial institutions to buy back individual delinquent mortgage loans that meet certain criteria from the securitized loan pool for which the institution provides servicing. At the servicer's option and without GNMA's prior authorization, the servicer may repurchase a delinquent loan for an amount equal to 100% of the remaining principal balance of the loan. These loans no longer qualify for sale accounting and are recognized in the Consolidated Balance Sheets. A portion of the principal balance continues to be guaranteed; however, interest accrues at a curtailed rate as specified in the programs. The carrying value of these loans is reduced based on an estimate of expected cash flows discounted at the original note rate plus a liquidity spread. These loans may be modified in accordance with U.S. government agency guidelines. Interest continues to accrue at the modified rate. Loans repurchased from GNMA under the program may either be resold into GNMA pools after a performance period specified by the program or foreclosed and conveyed to the guarantors.

Loans are disaggregated into portfolio segments and further disaggregated into classes. The portfolio segment is the level at which the Company develops and documents a systematic method for determining its allowance for credit losses. Classes are a further disaggregation of portfolio segments based on the risk characteristics of the loans and the Company’s method for monitoring and assessing credit risk.
Allowances for Credit Losses and Accrual for Off-balance Sheet Credit Risk from Unfunded Loan Commitments

The allowance for loan losses and accrual for off-balance sheet credit risk from unfunded loan commitments represent the portion of the amortized cost basis of loans and related unfunded commitments we do not expect to collect over the asset’s contractual life, considering past events, current conditions, and reasonable and supportable forecasts of future economic conditions. Quarterly, a senior management Allowance Committee assesses the appropriateness of the allowance for loan losses and accrual for off-balance sheet credit risk. This assessment requires judgment about effects of uncertain matters, resulting in a subjective calculation which is inherently imprecise. Because of the subjective forward-looking nature of the calculation, changes in these measures may not directly correlate with actual economic events. In future periods, management judgment may consider new or changed information which may cause significant changes in these allowances in those future periods.

The allowance for loan losses consists of specific allowances attributed to certain individual loans, generally nonaccruing loans, with dissimilar risk characteristics that have not yet been charged down to amounts we expect to recover and general allowances for estimated credit losses on pools of loans that share similar risk characteristics.

When full collection of principal or interest is uncertain, the loan’s risk characteristics have changed, and we exclude the loan from the general allowance pool, typically designating it as nonaccruing. For these loans, a specific allowance reflects the expected credit loss.

We measure specific allowances for loans excluded from the general allowance pool by an evaluation of estimated future cash flows discounted at the loan's initial effective interest rate or the fair value of collateral for certain collateral dependent loans. For a non-collateral dependent loan, the specific allowance is the amount by which the loan’s amortized cost basis exceeds its net realizable value. We measure the specific allowance for collateral dependent loans as the amount by which the loan’s amortized cost basis exceeds its fair value. When repayment is expected to be provided substantially through the sale of collateral, we deduct estimated selling costs from the collateral’s fair value. Generally, third-party appraisals that conform to Uniform Standards of Professional Appraisal Practice serve as the basis for the fair value of real property held as collateral. These appraised values are on an “as-is” basis and generally are not adjusted by the Company. We obtain updated appraisals at least annually or more frequently if market conditions indicate collateral values may have declined. For energy loans, our internal staff of engineers generally determines collateral value of mineral rights based on projected cash flows from proven oil and gas reserves under existing economic and operating conditions. Our special assets staff generally determines the value of other collateral based on projected liquidation cash flows under current market conditions. We evaluate collateral values and available cash resources quarterly. Historical statistics may be used to estimate specific allowances in limited situations, such as when a collateral dependent loan is removed from the general allowance pool near the end of a reporting period until an appraisal of collateral value is received or a full assessment of future cash flows is completed.

General allowances estimate expected credit losses on pools of loans sharing similar risk characteristics that are expected to occur over the loan’s estimated remaining life. The loan’s estimated remaining life represents the contractual term adjusted for amortization, estimates of prepayments, and borrower-owned extension options. Approximately 90% of the committed dollars in the loan portfolio is risk graded loans with general allowance model inputs that include probability of default, loss given default, and exposure at default. Probability of default is based on the migration of loans from performing to nonperforming using historical life of loan analysis periods. Loss given default is based on the aggregate losses incurred, net of estimated recoveries. Exposure at default represents an estimate of the outstanding amount of credit exposure at the time a default may occur.

Charge-off migration is used to calculate the general allowance for the majority of non-risk graded loans to individuals. The expected credit loss on less than 10% of the committed dollars in the portfolio is calculated using charge-off migration.

The expected credit loss on approximately 1% of the committed dollars in the portfolio is calculated using a non-modeled approach. Specifically, the calculation applies a long-term net charge-off rate to the loan balances, adjusted for the weighted average remaining maturity of each portfolio.
In estimating the expected credit losses for general allowances on performing risk-graded loans, each portfolio class is assigned relevant economic loss drivers which best explain variations in portfolio net loss rates. The probability of default estimates for each portfolio class are adjusted for current and forecasted economic conditions. The result is applied to the exposure at default and loss given default to calculate the lifetime expected credit loss estimate. Selection of relevant economic loss drivers is re-evaluated periodically and involves statistical analysis as well as management judgment. The unemployment rate factors significantly in the allowance for loan losses calculation, affecting commercial and loans to individuals segments. Other primary factors impacting the commercial portfolio include BBB corporate spreads, real gross domestic product growth rate, and energy commodity prices. The primary commercial real estate variables are vacancy rate and BBB corporate spreads. In addition to the unemployment rate, the forecast for loans to individuals is tied to home price index. The forecasts may include regional economic factors when localized conditions diverge from national conditions.

An Economic Forecast Committee, consisting of senior management with members largely independent of the allowance process, develops a twelve-month forward-looking forecast for the relevant economic loss drivers. Management develops these forecasts based on external data as well as a view of future economic conditions, which may include adjustments for regional conditions. The forecast includes three economic scenarios and probability weights for each scenario. The base forecast represents management's view of the most likely outcome, while the downside forecast reflects reasonably possible worsening economic conditions, and the upside forecast projects reasonably possible improving conditions.

At the end of the one-year reasonable and supportable forecast period, we transition from shorter-term expected losses to long-term loss averages for the loan’s estimated remaining life. The difference between short-term loss forecasts and long-term loss averages is run-off over the reversion horizon, up to three years, depending on the forecasted economic scenarios.

General allowances also consider the estimated impact of factors that are not captured in the modeled results or historical experience. These factors may increase or decrease modeled results by amounts determined by the Allowance Committee. Factors not captured in modeled results or historical experience may include for example, new lines of business, market conditions that have not been previously encountered, observed changes in credit risk that are not yet reflected in macro-economic factors, or economic conditions that impact loss given default assumptions.

The accrual for off-balance sheet credit risk is maintained at a level that is appropriate to cover estimated losses associated with credit instruments that are not currently recognized as assets such as loan commitments, standby letters of credit, or guarantees that are not unconditionally cancellable by the bank. This accrual is included in other liabilities in the Consolidated Balance Sheets. The appropriateness of the accrual is determined in the same manner as the allowance for loan losses, with the added consideration of commitment usage over the remaining life for those loans that the bank cannot unconditionally cancel.

A provision for credit losses is charged against or credited to earnings in amounts necessary to maintain an appropriate allowance for credit losses. Recoveries of loans previously charged off are added to the allowance when received.

Real Estate and Other Repossessed Assets
 
Real estate and other repossessed assets are acquired in partial or total forgiveness of loans. These assets are carried at the lower of cost, which is the fair value at date of foreclosure less estimated disposal costs, or current fair value less estimated disposal costs. Decreases in fair value below cost are recognized as asset-specific valuation allowances which may be reversed when supported by future increases in fair value. Subsequent increases in fair value may be used to reduce the valuation allowance but not below zero.
Fair values of real estate are based on “as is” appraisals which are updated at least annually or more frequently for certain asset types or assets located in certain distressed markets. Fair values based on appraisals are generally considered to be based on significant other observable inputs. The Company also considers decreases in listing price and other relevant information in quarterly evaluations and reduces the carrying value of real estate and other repossessed assets when necessary. Fair values based on list prices and other relevant information are generally considered to be based on significant unobservable inputs. Additional costs incurred to complete real estate and other repossessed assets may increase the carrying value, up to current fair value based on “as completed” appraisals. The fair value of mineral rights included in repossessed assets is generally determined by our internal staff of engineers based on projected cash flows from proven oil and gas reserves under existing economic and operating conditions. Proven oil and gas reserves are estimated quantities that geological and engineering data demonstrate, with reasonable certainty, to be recoverable in future years from known reservoirs using existing prices and costs. Projected cash flows incorporate assumptions related to a number of factors including production, sales prices, operating expenses, severance, ad valorem taxes, capital costs, and appropriate discount rate. Fair values determined through this process are considered to be based on Level 3 inputs. The value of other repossessed assets is generally determined by our special assets staff based on projected liquidation cash flows under current market conditions.

Income generated by these assets is recognized as received. Operating expenses are recognized as incurred. Gains or losses on sales of real estate and other repossessed assets are based on the cash proceeds received less the cost basis of the asset, net of any valuation allowances. The estimated disposal costs of real estate and other repossessed assets are evaluated by the Company on an annual basis based on actual results.

Transfers of Financial Assets
 
BOK Financial regularly transfers financial assets as part of its mortgage banking activities and periodically may transfer other financial assets. Transfers are recorded as sales when the criteria for surrender of control are met.

The Company has elected to carry certain residential mortgage loans held for sale at fair value under the fair value option. Changes in fair value are recognized in net income as they occur. These loans are reported separately in the Consolidated Balance Sheets and changes in fair value are recorded in Other operating revenue - mortgage banking revenue in the Consolidated Statements of Earnings.

Fair value of conforming residential mortgage loans that will be sold to U.S. government agencies is based on sales commitments or market quotes considered Level 2 inputs. Fair value of mortgage loans that are unable to be sold to U.S. government agencies is based on Level 3 inputs using quoted prices of loans that are sold in securitization transactions with a liquidity discount applied. The fair value is corroborated with an independent third party on at least an annual basis.

BOK Financial retains a repurchase obligation under underwriting representations and warranties related to residential mortgage loans transferred and generally retains the right to service the loans. These are not credit obligations. The Company may incur a recourse obligation in limited circumstances. Separate accruals are recognized in Other liabilities in the Consolidated Balance Sheets for repurchase and recourse obligations. These reserves reflect the estimated amount of probable loss the Company will incur as a result of repurchasing a loan, indemnifications, and other settlement resolutions.

Repurchases of loans with an origination defect that are also credit impaired are considered collateral dependent and are initially recognized at net realizable value (appraised value less the cost to sell). The difference between unpaid principal balance and net realizable value is not accreted. Repurchases of loans with an origination defect that are not credit impaired are carried at fair value as of the repurchase date. Interest income continues to accrue on these loans and the discount is accreted over the estimated life of the loan.

The Company may also choose to purchase GNMA loans once certain mandated delinquency criteria are met. The loans that are eligible, and are chosen to be repurchased, are initially recognized at fair value based on expected cash flows discounted using the average agency guaranteed debenture rates, average actual principal loss rates, and liquidity premium.

The Company may also retain a residual interest in excess cash flows generated by the assets. All assets obtained, including cash, servicing rights and residual interests, and all liabilities incurred, including recourse obligations, are initially recognized at fair value. All assets transferred are derecognized and any gain or loss on the sale is recognized in earnings. Subsequently, servicing rights and residual interest are carried at fair value with changes in fair value recognized in earnings as they occur.
Mortgage Servicing Rights
 
MSR may be purchased or may be recognized when mortgage loans are originated and sold with servicing rights retained. All MSR are carried at fair value. Changes in the fair value are recognized in earnings as they occur.

MSR are not traded in active markets. A cash flow model is used to determine fair value. Key assumptions and estimates, including projected prepayment speeds and assumed servicing costs, earnings on escrow deposits, ancillary income and discount rates, used by this model are based on current market sources. Assumptions used to value MSR are considered significant unobservable inputs. A separate third-party model is used to estimate prepayment speeds based on interest rates, housing turnover rates, estimated loan curtailment, anticipated defaults, and other relevant factors. The prepayment model is updated daily for changes in market conditions and adjusted to better correlate with actual performance of BOK Financial’s servicing portfolio. Fair value estimates from outside sources are received at least annually to corroborate the results of the valuation model.

Premises and Equipment
 
Premises and equipment are carried at cost, including capitalized interest, when appropriate, less accumulated depreciation and amortization.

Depreciation and amortization are computed on a straight-line basis over the estimated useful lives of the assets or, for leasehold improvements, over the shorter of the estimated useful lives or remaining lease terms. Useful lives range from 5 years to 40 years for buildings and improvements, 3 years to 10 years for software and related implementation costs, and 3 years to 10 years for furniture and equipment. Construction in progress represents facilities construction and data processing systems projects underway that have not yet been placed into service. Depreciation and amortization begin once the assets are placed into service. Repair and maintenance costs, including software maintenance and enhancement costs, are charged to expense as incurred. Software licensing costs are generally charged to expense as incurred. Software licensing costs are capitalized if the contractual right to take possession of the software exists and it is feasible to take possession without significant penalty. Capitalized costs are amortized over the shorter of the estimated useful life of the software or remaining contractual life of the license.

Premises no longer used by the Company are transferred to real estate and other repossessed assets. The transferred amount is the lower of cost less accumulated depreciation, or fair value less estimated disposal costs, as of the transfer date.

Premises and equipment includes rights to use leased facilities and equipment. Right-of-use assets are initially measured by the present value of future rent payments over lease terms, adjusted for rent concessions. Rent payments exclude both payments made for non-lease components, such as services and variable lease payments other than payments dependent on an index at lease commencement. Lease term includes options reasonably certain to be exercised. The right-of-use assets and lease liabilities are amortized to achieve straight-line expense over the lease term. Upon lease modification, the right-of-use asset and liability are reassessed and remeasured. Right-of-use assets are evaluated for impairment when facts and circumstances change that indicate an impairment may be necessary. Leases less than twelve months are excluded from capitalization.

Ongoing technology projects of significant size or length are reviewed at least annually for impairment. Accumulated costs are reviewed for projects, or components of projects, that do not support the value of the asset being developed. Findings of obsolescence, duplicate effort, or other conditions that do not support the recorded value are impaired, with the cost of the impaired components being charged to current-year earnings.

Federal and State Income Taxes
 
Determination of income tax expense and related assets and liabilities is complex and requires estimates and judgments when applying tax laws, rules, regulations, and interpretations. It also requires judgments as to future earnings and the timing of future events. Accrued income taxes represent an estimate of net amounts due to or from taxing jurisdictions based upon these estimates, interpretations, and judgments.

BOK Financial and its eligible subsidiaries file consolidated tax returns. The subsidiaries provide for income taxes on a separate return basis and remit to BOK Financial amounts determined to be currently payable. BOK Financial is an agent for its subsidiaries under the Company’s tax sharing agreements and has no ownership rights to any refunds received for the benefit of its subsidiaries.
Current income tax expense or benefit is based on an evaluation that considers estimated taxable income, tax credits and statutory federal and state income tax rates. The amount of current income tax expense or benefit recognized in any period may differ from amounts reported to taxing authorities. Annually, we file tax returns with each jurisdiction where the Company conducts business and adjust recognized current income tax expense or benefit to the filed tax returns.

Deferred tax assets and liabilities are recognized based upon the temporary differences between the values of assets and liabilities as recognized in the financial statements and their related tax basis using enacted tax rates in effect for the year in which the differences are expected to be recovered or settled. The effect of changes in statutory tax rates on the measurement of the deferred tax assets and liabilities is recognized through income tax expense in the period the change is enacted. A valuation allowance is provided when it is more likely than not that some portion of the entire deferred tax asset may not be realized.
BOK Financial recognizes the benefit of uncertain tax positions when based upon all relevant evidence, it is more likely than not that our position would prevail upon examination, including resolution of related appeals or litigation, based upon the technical merits of the position. BOK Financial has unrecognized tax benefits, which are included in accrued current income taxes payable, for the uncertain portion of recorded tax benefits and related interest. These uncertainties result from the application of complex tax laws, rules, regulations and interpretations, primarily in state taxing jurisdictions. Unrecognized tax benefits are assessed quarterly and may be adjusted through current income tax expense in future periods based on changing facts and circumstances, completion of examinations by taxing authorities, or expiration of a statute of limitations. Estimated penalties and interest on uncertain tax positions are recognized in income tax expense. Income tax expense in future periods may decrease if an uncertain tax position is favorably resolved, generally upon completion of an examination by the taxing authorities, expiration of a statute of limitations, or changes in facts and circumstances.

Employee Benefit Plans
 
BOK Financial sponsors a Thrift Plan. Employer contributions to the Thrift Plan, which matches employee contributions subject to percentage and years of service limits, are expensed when incurred. 

Share-Based Compensation Plans
 
BOK Financial’s share-based compensation plans allow for the issuance of non-vested common shares, stock options, and RSUs as compensation to certain officers. While permitted, the Company does not currently grant options. Compensation cost is generally fixed based on the grant date fair value of the award. Grant date fair value of non-vested shares is based on the current market value of BOK Financial common stock. Non-vested shares generally cliff vest in 3 years and are subject to a holding period after vesting of 2 years.

Compensation cost is initially based on the grant date fair value of the award and recognized as expense over the service period, which is generally the vesting period. Expense is reduced for estimated forfeitures over the vesting period and adjusted for actual forfeitures as they occur. Share-based compensation awarded to certain officers has performance conditions that affect the number of awards granted. Compensation cost is adjusted based on the probable outcome of the performance conditions.

RSUs may also be awarded for certain executives who have elected to defer income recognition upon vesting of their awards. RSUs are subject to the same vesting criteria as non-vested shares. Upon vesting and meeting other relevant conditions, RSUs are settled through cash distributions. The value of the awards will vary in amounts equal to changes in the fair value of an equal number of BOK Financial common shares.

Tax effects of share-based payments are recognized through tax expense. Dividends on non-vested shares are charged to retained earnings. Dividend equivalents on RSUs are charged to expense.
Other Operating Revenue
 
Fees and commissions revenue is generated through the sales of products, consisting primarily of financial instruments, and the performance of services for customers under contractual obligations. Revenue from providing services for customers is primarily recognized at the time services are provided in an amount that reflects the consideration we expect to be entitled to for those services. Revenue is recognized based on the application of five steps:

•Identify the contract with a customer.
•Identify the performance obligations in the contract.
•Determine the transaction price.
•Allocate the transaction price to the performance obligations in the contract.
•Recognize revenue when (or as) the Company satisfies a performance obligation.

For contracts with multiple performance obligations, individual performance obligations are accounted for separately if the customer can benefit from the good or service on its own or with other resources readily available to the customer and the promise to transfer goods and services to the customer is separately identifiable in the contract. The transaction price is allocated to the performance obligations based on relative standalone selling prices.

Revenue is recognized on a gross basis whenever we have primary responsibility and risk in providing the services or products to our customers and have discretion in establishing the price for the services or products. Revenue is recognized on a net basis whenever we act as an agent for products or services of others.

Brokerage and trading revenue includes revenues from trading, customer hedging, retail brokerage, investment banking, and insurance brokerage. Trading revenue includes net realized and unrealized gains primarily related to sales of securities to institutional customers and related derivative contracts. Customer hedging revenue includes realized and unrealized changes in the fair value of derivative contracts held for customer risk management programs including credit valuation adjustments, as necessary. We offer commodity, interest rate, foreign exchange, and equity derivatives to our customers. These customer contracts are offset with contracts with selected counterparties and exchanges to minimize changes in market risk from changes in commodity prices, interest rates, or foreign exchange rates. Retail brokerage revenue represents fees and commissions earned on sales of fixed income securities, annuities, mutual funds, and other financial instruments to retail customers. Investment banking revenue includes fees earned upon completion of underwriting and financial advisory services. Investment banking revenue also includes fees earned in conjunction with loan syndications. Insurance brokerage revenues represent fees and commissions earned on placement of insurance products with carriers for property and casualty and health coverage.

Transaction card revenue includes merchant discount fees and electronic funds transfer network fees, net of interchange fees paid to card issuers and assessments paid to card networks. Merchant discount fees represent fees paid by customers for account management and electronic processing of card transactions. Merchant discount fees are recognized at the time the customer’s transactions are processed or other services are performed. The Company also maintains the TransFund electronic funds transfer network for the benefit of its members, which includes BOKF, NA. Electronic funds transfer fees are recognized as electronic transactions are processed on behalf of its members.

Fiduciary and asset management revenue includes fees from asset management, custody, recordkeeping, investment advisory, and administration services. Revenue is recognized on an accrual basis at the time the services are performed and may be based on either the fair value of the account or the service provided.

Deposit service charges and fees include commercial account service charges, overdraft fees, check card fee revenue and automated service charges, and other deposit service fees. Fees are recognized at least quarterly in accordance with published deposit account agreements and disclosure statements for retail accounts or contractual agreements for commercial accounts. Item charges for overdraft or non-sufficient funds items are recognized as items are presented for payment. Account balance charges and activity fees are accrued monthly and collected in arrears. Commercial account activity fees may be offset by an earnings credit based on account balances. Check card fees represent interchange fees paid by a merchant bank for transactions processed from cards issued by the Company. Check card fees are recognized when transactions are processed.

Mortgage banking revenue includes revenues recognized in conjunction with the origination, marketing, and servicing of conventional and government-sponsored residential mortgage loans. Mortgage production revenue includes net realized gains (losses) on sales of residential mortgage loans in the secondary market and the net change in unrealized gains (losses) on residential mortgage loans held for sale. Mortgage production revenue also includes changes in the fair value of derivative contracts not designated as hedging instruments related to residential mortgage loan commitments and forward sales contracts. Mortgage servicing revenue includes servicing fee income and late charges on loans serviced for others.
Newly Adopted and Pending Accounting Pronouncements

Financial Accounting Standards Board

FASB ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures

The FASB issued ASU 2023-09 on December 14, 2023, which amends income tax disclosures to provide information to better assess how an entity’s operations and related tax risks and tax planning and operational opportunities affect its tax rate and prospects for future cash flows. The new guidance requires the entity to disclose specific categories in the rate reconciliation and provide additional information for reconciling items that meet a quantitative threshold. ASU 2023-09 is effective for annual periods beginning after December 15, 2024. Adoption of ASU 2023-09 did not have a material impact on the Company's financial statements.

FASB ASU 2024-01, Compensation—Stock Compensation (Topic 718): Scope Application of Profits Interest and Similar Awards

The FASB issued ASU 2024-01 on March 21, 2024, which provides illustrative guidance to help entities determine whether profits interest and similar awards should be accounted for as share-based payment arrangements within the scope of Topic 718, Compensation—Stock Compensation. The ASU is effective for annual periods beginning after December 15, 2024, including interim periods within those periods. Adoption of ASU 2024-01 did not have a material impact on the Company's financial statements.

FASB ASU 2024-03, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses

The FASB issued ASU 2024-03 on November 4, 2024, which amends the disclosure of certain costs and expenses. The amendments intend to bring improvement by requiring further disaggregation of expenses that are not already required to be disclosed in the notes to the financial statements at interim and annual reporting periods. ASU 2024-03 is effective for annual reporting periods beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027. The Company is currently assessing the impact ASU 2024-03 will have on its expense disclosures.

FASB ASU 2025-05, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses for Accounts Receivable and Contract Assets

The FASB issued ASU 2025-05 on July 30, 2025, which provides a practical expedient related to the estimation of expected credit losses for current accounts receivable and current contract assets arising from transactions accounted for under Topic 606, Revenue from Contracts with Customers. Under the practical expedient, entities may assume current conditions as of the balance sheet date remain unchanged for the remaining life of the asset when developing reasonable and supportable forecasts. ASU 2025-05 is effective for annual reporting periods beginning after December 15, 2025, and interim reporting periods within those annual reporting periods, with early adoption permitted. The Company is currently assessing the impact ASU 2025-05 will have on its disclosures.

FASB ASU 2025-06, Intangibles—Goodwill and Other—Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software

The FASB issued ASU 2025-06 on September 18, 2025, which modernizes the accounting for internal-use-software costs. This amendment eliminates accounting consideration of software project development stages and clarifies the threshold applied to begin capitalizing costs. ASU 2025-06 is effective for annual reporting periods beginning after December 15, 2027, and interim reporting periods within those annual reporting periods, with early adoption permitted. The Company is currently assessing the impact ASU 2025-06 will have on its internal software costs.
FASB ASU 2025-08, Financial Instruments—Credit Losses (Topic 326): Purchased Loans

The FASB issued ASU 2025-08 on November 12, 2025, which clarifies and simplifies the accounting for credit losses on purchased loans under CECL, specifically how entities account for expected credit losses at acquisition and subsequent changes in those expectations. Under this new guidance, loans acquired without credit deterioration and deemed “seasoned” will be considered purchased seasoned loans and accounted for using the gross-up approach at acquisition (i.e., record the loan at its purchase price and separately record an allowance for expected credit losses). Seasoned loans include all loans acquired in a business combination, that do not have “more-than-insignificant” deterioration of credit quality since origination, as well as loans purchased at least 90 days after origination, where the purchaser was not involved in the origination of the loans. ASU 2025-08 is effective for all entities for annual reporting periods beginning after December 15, 2026, and interim reporting periods within those annual reporting periods. The Company is currently assessing the impact ASU 2025-08 will have on its purchased loans.

FASB ASU 2025-09, Derivatives and Hedging (Topic 815): Hedge Accounting Improvements

The FASB issued ASU 2025-09 on November 25, 2025, which enables entities to apply hedge accounting to a greater number of highly effective economic hedges in the following five areas: (1) similar risk assessment for cash flow hedges, (2) hedging forecasted interest payments on choose-your-rate debt instruments, (3) cash flow hedges of nonfinancial forecasted transactions, (4) net written options as hedging instruments, and (5) foreign-currency-denominated debt instrument as hedging instrument and hedged item (dual hedge). ASU 2025-09 is effective for all entities for annual reporting periods beginning after December 15, 2026, and interim reporting periods within those annual reporting periods. The Company is currently assessing the impact ASU 2025-08 will have on its disclosures.

FASB ASU 2025-11, Interim Reporting (Topic 270)

The FASB issued ASU 2025-11 on December 8, 2025, which is intended to improve the navigability of the guidance in ASC 270 and clarify when it applies. Under the amendments, an entity is subject to ASC 270 if it provides interim financial statements and notes in accordance with GAAP. ASU 2025-11 also addresses the form and content of such financial statements, interim disclosures requirements, and establishes a principle under which an entity must disclose events since the end of the last annual reporting period that have a material impact on the entity. ASU 2025-11 is effective for interim reporting periods within annual reporting periods beginning after December 15, 2027, and early adoption is permitted. The Company is currently assessing the impact ASU 2025-11 will have on the Company's financial statements.
v3.25.4
Securities
 12 Months Ended
Dec. 31, 2025
Marketable Securities [Abstract]  
Securities [Text Block] Securities
Trading Securities
 
The fair value and net unrealized gain (loss) included in trading securities is as follows (in thousands):
 
 December 31, 2025December 31, 2024
 Fair ValueNet Unrealized Gain (Loss)Fair ValueNet Unrealized Gain (Loss)
U.S. government securities$9,237 $(4)$21,275 $(60)
Residential agency mortgage-backed securities
5,307,849 9,011 4,792,695 (37,439)
Municipal securities39,233 10 62,230 (566)
Other trading securities36,426 (25)22,890 33 
Total trading securities$5,392,745 $8,992 $4,899,090 $(38,032)

Investment Securities
 
The amortized cost and fair values of investment securities are as follows (in thousands):
 December 31, 2025
 AmortizedCarryingFairGross Unrealized
 Cost
Value1
ValueGainLoss
Municipal securities$88,215 $88,215 $89,343 $1,218 $(90)
Mortgage-backed securities:
Residential agency1,746,715 1,664,175 1,541,608 91 (122,658)
Commercial agency17,257 16,516 16,186 — (330)
Other debt securities15,538 15,538 14,868 — (670)
Total investment securities1,867,725 1,784,444 1,662,005 1,309 (123,748)
Allowance for credit losses(202)(202)— — — 
Investment securities, net of allowance$1,867,523 $1,784,242 $1,662,005 $1,309 $(123,748)
1     Carrying value includes $83 million of net unrealized loss which remains in AOCI in the Consolidated Balance Sheets related to certain securities transferred during the second quarter of 2022 from the Available-for-Sale securities portfolio to the Investment securities portfolio.
 December 31, 2024
 AmortizedCarrying FairGross Unrealized
 Cost
Value1
ValueGainLoss
Municipal securities$104,467 $104,467 $106,489 $2,370 $(348)
Mortgage-backed securities:
Residential agency1,998,017 1,880,473 1,680,800 81 (199,754)
Commercial agency17,257 16,220 15,357 — (863)
Other debt securities16,288 16,288 15,283 — (1,005)
Total investment securities2,136,029 2,017,448 1,817,929 2,451 (201,970)
Allowance for credit losses(223)(223)— — — 
Investment securities, net of allowance$2,135,806 $2,017,225 $1,817,929 $2,451 $(201,970)
1     Carrying value includes $119 million of net unrealized loss which remains in AOCI in the Consolidated Balance Sheets related to certain securities transferred during the second quarter of 2022 from the Available-for-Sale securities portfolio to the Investment securities portfolio.
The amortized cost and fair values of investment securities at December 31, 2025, by contractual maturity, are as shown in the following table (dollars in thousands):
Less than
One Year		One to
Five Years		Six to
Ten Years		Over
Ten Years		Total
Weighted
Average
Maturity1
Fixed maturity debt securities:     
Carrying value$47,686 $58,904 $13,679 $— $120,269 2.01 
Fair value48,320 59,083 12,994 — 120,397  
Residential mortgage-backed securities:      
Carrying value2
    $1,664,175 
Fair value    1,541,608  
Total investment securities:      
Carrying value    $1,784,444  
Fair value    1,662,005  
1Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalty.
2The average expected lives of residential mortgage-backed securities were 4.2 years based upon current prepayment assumptions.


Temporarily Impaired Investment Securities
(Dollars in thousands)
December 31, 2025
 Number of SecuritiesLess Than 12 Months12 Months or LongerTotal
Fair
Value		Unrealized
Loss		Fair
Value		Unrealized
Loss		Fair
Value		Unrealized
Loss
Investment:       
Municipal securities8 $6,566 $8 $3,613 $82 $10,179 $90 
Mortgage-backed securities:
Residential agency115 — — 1,540,535 122,658 1,540,535 122,658 
Commercial agency2 — — 16,186 330 16,186 330 
Other debt securities2 — — 9,355 670 9,355 670 
Total investment securities127 $6,566 $8 $1,569,689 $123,740 $1,576,255 $123,748 

December 31, 2024
 Number of SecuritiesLess Than 12 Months12 Months or LongerTotal
Fair
Value		Unrealized
Loss		Fair
Value		Unrealized
Loss		Fair
Value		Unrealized
Loss
Investment:       
Municipal securities20 $14,485 $65 $7,107 $283 $21,592 $348 
Mortgage-backed securities:
Residential agency116 — — 1,679,889 199,754 1,679,889 199,754 
Commercial agency2 — — 15,357 863 15,357 863 
Other debt securities3 — — 9,271 1,005 9,271 1,005 
Total investment securities141 $14,485 $65 $1,711,624 $201,905 $1,726,109 $201,970 
Available-for-Sale Securities 

The amortized cost and fair value of AFS securities are as follows (in thousands):
 December 31, 2025
 AmortizedFairGross Unrealized
 CostValueGainLoss
U.S. Treasury$1,001 $980 $— $(21)
Municipal securities190,917 184,273 — (6,644)
Mortgage-backed securities:    
Residential agency9,593,919 9,598,627 121,838 (117,130)
Residential non-agency712,126 696,028 11,774 (27,872)
Commercial agency3,240,728 3,126,244 7,622 (122,106)
Other debt securities500 473 — (27)
Total available-for-sale securities$13,739,191 $13,606,625 $141,234 $(273,800)
 December 31, 2024
 AmortizedFairGross Unrealized
 CostValueGainLoss
U.S. Treasury$1,000 $945 $— $(55)
Municipal securities240,528 225,568 2 (14,962)
Mortgage-backed securities:   
Residential agency8,895,900 8,639,389 17,936 (274,447)
Residential non-agency814,542 781,209 11,247 (44,580)
Commercial agency3,436,465 3,204,016 726 (233,175)
Other debt securities500 473 — (27)
Total available-for-sale securities$13,388,935 $12,851,600 $29,911 $(567,246)

The amortized cost and fair values of AFS securities at December 31, 2025, by contractual maturity, are as shown in the following table (dollars in thousands):
Less than
One Year		One to
Five Years		Six to
Ten Years		Over
Ten Years		Total
Weighted
Average
Maturity1
Fixed maturity debt securities: 
Amortized cost$454,207 $2,194,856 $314,903 $469,180 $3,433,146 4.92 
Fair value448,064 2,095,957 304,674 463,275 3,311,970 
Residential mortgage-backed securities:     
Amortized cost2
    $10,306,045 
Fair value    10,294,655 
Total available-for-sale securities:      
Amortized cost    $13,739,191  
Fair value    13,606,625  
1Expected maturities may differ from contractual maturities, because borrowers may have the right to call or prepay obligations with or without penalty.
2The average expected lives of residential mortgage-backed securities were 4.0 years based upon current prepayment assumptions.
Sales of AFS securities resulted in gains and losses as follows (in thousands):
Year Ended December 31,
 202520242023
Proceeds$305,729 $839,352 $834,704 
Gross realized gains2,381 2,257 1,180 
Gross realized losses(420)(48,085)(31,816)
Related federal and state income tax expense (benefit)
463 (10,779)(7,206)

The fair value of debt securities pledged as collateral for repurchase agreements, public trust funds on deposit and for other purposes, as required by law was $11.5 billion at December 31, 2025 and $9.9 billion at December 31, 2024. The secured parties do not have the right to sell or repledge these securities.


Temporarily Impaired Available-for-Sale Securities
(Dollars in thousands)
December 31, 2025
 Number of SecuritiesLess Than 12 Months12 Months or LongerTotal
Fair
Value		Unrealized
Loss		Fair
Value		Unrealized
Loss		Fair
Value		Unrealized
Loss
Available-for-sale:       
U.S. Treasury
1 $— $— $980 $21 $980 $21 
Municipal securities86 1,028 2 180,696 6,642 181,724 6,644 
Mortgage-backed securities:
Residential agency584 741,581 2,373 2,333,685 114,757 3,075,266 117,130 
Residential non-agency31 27,957 16 413,783 27,856 441,740 27,872 
Commercial agency
195 48,588 88 2,553,027 122,018 2,601,615 122,106 
Other debt securities1 — — 473 27 473 27 
Total available-for-sale securities898 $819,154 $2,479 $5,482,644 $271,321 $6,301,798 $273,800 
December 31, 2024
Number of SecuritiesLess Than 12 Months12 Months or LongerTotal
Fair
Value		Unrealized
Loss		Fair
Value		Unrealized
Loss		Fair
Value		Unrealized
Loss
Available-for-sale:     
U.S. Treasury
1 $— $— $945 $55 $945 $55 
Municipal securities113 1,041 13 222,432 14,949 223,473 14,962 
Mortgage-backed securities:
     
Residential agency831 3,561,318 50,102 2,880,641 224,345 6,441,959 274,447 
Residential non-agency36 93,113 1,124 457,701 43,456 550,814 44,580 
Commercial agency
220 190,718 1,878 2,819,206 231,297 3,009,924 233,175 
Other debt securities1 — — 473 27 473 27 
Total available-for-sale securities1,202 $3,846,190 $53,117 $6,381,398 $514,129 $10,227,588 $567,246 

No credit impairment of AFS securities was identified in 2025. Unrealized losses are related to changes in interest rates subsequent to purchase and are not attributable to credit. Based on evaluations of impaired securities as of December 31, 2025, the Company does not intend to sell any impaired AFS securities before fair value recovers to the current amortized cost, and it is more-likely-than-not that the Company will not be required to sell impaired securities before fair value recovers, which may be maturity.
Fair Value Option Securities
 
Fair value option securities represent securities which the Company has elected to carry at fair value and are separately identified on the Consolidated Balance Sheets with changes in the fair value recognized in earnings as they occur. Certain residential mortgage-backed securities issued by U.S. government agencies and derivative contracts are held as an economic hedge of the MSR. 

The fair value and net unrealized gain (loss) included in fair value option securities is as follows (in thousands):
 December 31, 2025December 31, 2024
 Fair ValueNet Unrealized Gain (Loss)Fair ValueNet Unrealized Gain (Loss)
Residential agency mortgage-backed securities$102,096 $(556)$17,876 $(1,662)
v3.25.4
Derivatives
 12 Months Ended
Dec. 31, 2025
Derivative Instrument Detail [Abstract]  
Derivatives [Text Block] Derivatives
 
The following table summarizes the fair values of derivative contracts recorded as Derivative contracts, net assets and liabilities in the Consolidated Balance Sheets at December 31, 2025 (in thousands):
Assets
 
Notional1
Gross Fair ValueNetting AdjustmentsNet Fair Value Before Cash CollateralCash CollateralFair Value Net of Cash Collateral
Customer risk management programs:   
Interest rate contracts$2,869,346 $51,144 $(17,199)$33,945 $(15,783)$18,162 
Energy contracts6,245,552 605,067 (271,825)333,242 (136,933)196,309 
Foreign exchange contracts75,349 60,656 (10)60,646 — 60,646 
Equity option contracts1,593 255 — 255 (50)205 
Total customer risk management programs9,191,840 717,122 (289,034)428,088 (152,766)275,322 
Trading22,332,052 63,803 (38,524)25,279 (1,629)23,650 
Interest rate risk management programs586,991 1,854 (51)1,803 — 1,803 
Total derivative contracts$32,110,883 $782,779 $(327,609)$455,170 $(154,395)$300,775 
Liabilities
 Notional¹Gross Fair ValueNetting AdjustmentsNet Fair Value Before Cash CollateralCash CollateralFair Value Net of Cash Collateral
Customer risk management programs:   
Interest rate contracts$2,869,346 $51,101 $(17,199)$33,902 $(811)$33,091 
Energy contracts6,299,141 576,627 (271,825)304,802 (5,240)299,562 
Foreign exchange contracts75,000 60,293 (10)60,283 — 60,283 
Equity option contracts1,593 255 — 255 — 255 
Total customer risk management programs9,245,080 688,276 (289,034)399,242 (6,051)393,191 
Trading26,544,633 75,573 (38,524)37,049 (34,056)2,993 
Interest rate risk management programs89,972 1,440 (51)1,389 — 1,389 
Total derivative contracts$35,879,685 $765,289 $(327,609)$437,680 $(40,107)$397,573 
1    Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.
The following table summarizes the fair values of derivative contracts recorded as Derivative contracts, net assets and liabilities in the Consolidated Balance Sheets at December 31, 2024 (in thousands):
Assets
 
Notional1
Gross Fair ValueNetting AdjustmentsNet Fair Value Before Cash CollateralCash CollateralFair Value Net of Cash Collateral
Customer risk management programs:   
Interest rate contracts$3,064,418 $82,191 $(5,369)$76,822 $(71,485)$5,337 
Energy contracts7,169,926 521,032 (398,457)122,575 (3,816)118,759 
Foreign exchange contracts80,510 42,792 (395)42,397 (434)41,963 
Equity option contracts1,593 208 — 208 (50)158 
Total customer risk management programs10,316,447 646,223 (404,221)242,002 (75,785)166,217 
Trading19,577,362 132,581 (56,764)75,817 (242)75,575 
Internal risk management programs168 1,017 — 1,017 — 1,017 
Total derivative contracts$29,893,977 $779,821 $(460,985)$318,836 $(76,027)$242,809 
Liabilities
 Notional¹Gross Fair ValueNetting AdjustmentsNet Fair Value Before Cash CollateralCash CollateralFair Value Net of Cash Collateral
Customer risk management programs:   
Interest rate contracts$3,064,418 $82,141 $(5,369)$76,772 $— $76,772 
Energy contracts7,076,929 488,113 (398,457)89,656 (1,020)88,636 
Foreign exchange contracts76,906 39,253 (395)38,858 (380)38,478 
Equity option contracts1,593 208 — 208 — 208 
Total customer risk management programs10,219,846 609,715 (404,221)205,494 (1,400)204,094 
Trading14,196,406 87,082 (56,764)30,318 (1,292)29,026 
Internal risk management programs602,176 4,462 — 4,462 — 4,462 
Total derivative contracts$25,018,428 $701,259 $(460,985)$240,274 $(2,692)$237,582 
1    Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.
The following summarizes the pre-tax net gains (losses) on derivative instruments and where they are recorded in the Consolidated Statements of Earnings (in thousands):
 Year Ended December 31,
202520242023
 Brokerage
and Trading Revenue		Gain (Loss)
on Derivatives, Net		Brokerage
and Trading
Revenue		Gain (Loss)
on Derivatives,
Net		Brokerage
and Trading
Revenue		Gain (Loss)
on Derivatives,
Net
Customer risk management programs:    
Interest rate contracts$4,238 $— $5,455 $— $5,531 $— 
Energy contracts23,915 — 21,913 — 30,715 — 
Foreign exchange contracts133 — 370 — 276 — 
Total customer risk management programs28,286 — 27,738 — 36,522 — 
Trading1
(66,172)— 149,613 — (139,235)— 
Internal risk management programs
— 12,281 — (22,461)— (9,921)
Total derivative contracts$(37,886)$12,281 $177,351 $(22,461)$(102,713)$(9,921)
1    Represents changes in fair value of to-be-announced securities and other derivative instruments held to mitigate market risk of trading securities portfolio, which is offset by changes in fair value of trading securities also included in Other operating revenue - brokerage and trading revenue in the Consolidated Statements of Earnings.

As discussed in Note 7, certain derivative contracts not designated as hedging instruments related to mortgage loan commitments and forward sales contracts are included in Residential mortgage loans held for sale on the Consolidated Balance Sheets. See Note 7 for additional discussion of notional, fair value and impact on earnings of these contracts.

No derivative contracts have been designated as hedging instruments for financial reporting purposes.
v3.25.4
Loans and Allowances for Credit Losses
 12 Months Ended
Dec. 31, 2025
Loans and Leases Receivable, Net Amount [Abstract]  
Loans [Text Block] Loans and Allowances for Credit Losses
The portfolio segments of the loan portfolio are as follows (in thousands):
 December 31, 2025December 31, 2024
Fixed
Rate		Variable
Rate		Non-accrualTotalFixed
Rate		Variable
Rate
Non-
accrual
Total
Commercial$3,494,944 $11,750,021 $36,102 $15,281,067 $3,450,238 $11,565,251 $14,647 $15,030,136 
Commercial real estate
601,044 5,064,265 6,697 5,672,006 668,532 4,380,015 9,905 5,058,452 
Loans to individuals3,005,502 1,661,326 31,561 4,698,389 2,620,936 1,383,027 22,173 4,026,136 
Total$7,101,490 $18,475,612 $74,360 $25,651,462 $6,739,706 $17,328,293 $46,725 $24,114,724 
Foregone interest on nonaccrual loans
$7,465 $10,061 

At December 31, 2025, loans to businesses and individuals with collateral primarily located in Texas totaled $8.5 billion or 33% of the total loan portfolio. Loans to businesses and individuals with collateral primarily located in Oklahoma totaled $3.9 billion or 15% of our total loan portfolio. Loans to businesses and individuals with collateral primarily located in Colorado totaled $2.8 billion or 11% of our total loan portfolio. Loans for which the collateral location is not relevant, such as unsecured loans and reserve-based energy loans, are distributed by the borrower’s primary operating location. These geographic concentrations subject the loan portfolio to the general economic conditions within these areas.

At December 31, 2024, loans to businesses and individuals with collateral primarily located in Texas totaled $7.8 billion or 32% of the loan portfolio, loans to businesses and individuals with collateral primarily located in Oklahoma totaled $3.7 billion or 15% of the loan portfolio, and loans to businesses and individuals with collateral primarily located in Colorado totaled $2.9 billion or 12% of the loan portfolio.
Commercial

Commercial loans represent loans for working capital, facilities acquisition or expansion, purchases of equipment, and other needs of commercial customers primarily located within our geographical footprint. Commercial loans are underwritten individually and represent ongoing relationships based on a thorough knowledge of the customer, the customer’s industry and market. Commercial loans are generally secured by the customer’s assets, including real property, inventory, accounts receivable, operating equipment, interest in mineral rights, and other property and may also include personal guarantees of the owners and related parties. The primary source of repayment of commercial loans is the ongoing cash flow from operations of the customer’s business. Inherent lending risk is centrally monitored on a continuous basis from underwriting throughout the life of the loan for compliance with commercial lending policies.

At December 31, 2025, commercial loans with collateral primarily located in Texas totaled $5.0 billion or 33% of the commercial loan portfolio segment. Commercial loans with collateral primarily located in Oklahoma totaled $2.4 billion or 16% of the commercial loan portfolio segment. Commercial loans with collateral primarily located in Colorado totaled $1.6 billion or 10% of the commercial loan portfolio segment. The commercial loan portfolio segment is further divided into loan classes. The healthcare loan class totaled $4.0 billion or 16% of total loans. The healthcare loan class consists primarily of loans for the development and operation of senior housing and care facilities, including independent living, assisted living, and skilled nursing. Healthcare also includes loans to hospitals and other medical service providers. The services loan class totaled $3.9 billion or 15% of total loans. Businesses included in the services class include state and local municipal government entities, Native American tribal government and casino operations, foundations and not-for-profit organizations, educational services, and specialty trade contractors. The energy loan class totaled $2.9 billion or 11% of total loans, including $2.2 billion of outstanding loans to energy producers. Approximately 71% of the committed production loans are secured by properties primarily producing oil and 29% of the committed production loans are secured by properties primarily producing natural gas. General business loans represent $4.5 billion or 17% of total loans. General business loans primarily consist of wholesale/retail loans and loans from other commercial industries.

At December 31, 2024, commercial loans with collateral primarily located in Texas totaled $5.0 billion or 34% of the commercial loan portfolio segment, commercial loans with collateral primarily located in Oklahoma totaled $2.3 billion or 15% of the commercial loan portfolio segment, and commercial loans with collateral primarily located in Colorado totaled $1.7 billion or 12% of the commercial loan portfolio segment. The healthcare loan class totaled $4.0 billion or 16% of total loans. The services loan class totaled $3.6 billion or 15% of total loans. The energy loan class totaled $3.3 billion or 13% of total loans, including $2.6 billion of outstanding loans to energy producers. At December 31, 2024, approximately 70% of committed production loans were secured by properties primarily producing oil and 30% were secured by properties producing natural gas.

Commercial Real Estate

Commercial real estate loans are for the construction of buildings or other improvements to real estate and property held by borrowers for investment purposes primarily within our geographical footprint. We require collateral values in excess of the loan amounts, demonstrated cash flows in excess of expected debt service requirements, equity investment in the project, and a portion of the project already sold, leased, or permanent financing already secured. The expected cash flows from all significant new or renewed income producing property commitments are stress tested to reflect the risks in varying interest rates, vacancy rates, and rental rates. As with commercial loans, inherent lending risks are centrally monitored on a continuous basis from underwriting throughout the life of the loan for compliance with applicable lending policies.

At December 31, 2025, 32% of commercial real estate loans were secured by properties primarily located in the Dallas and Houston metropolitan areas of Texas, while concentrations in all other states were less than 10%. At December 31, 2024, 29% of commercial real estate loans are secured by properties primarily located in the Dallas and Houston metropolitan areas of Texas, 11% of commercial real estate loans were secured by properties primarily located in the Denver metropolitan area, while concentrations in all other states were less than 10%.
Loans to Individuals

Loans to individuals include residential mortgage and personal loans. Residential mortgage loans provide funds for our customers to purchase or refinance their primary residence or to borrow against the equity in their home. These loans are secured by a first or second mortgage on the customer's primary residence. Personal loans consist primarily of loans to Wealth Management clients secured by the cash surrender value of insurance policies and marketable securities. Personal loans also include direct loans secured by and for the purchase of automobiles, recreational and marine equipment, as well as unsecured loans. These loans are made in accordance with underwriting policies we believe to be conservative and are fully documented. Loans may be individually underwritten or credit scored based on size and other criteria. Credit scoring is assessed based on significant credit characteristics including credit history and residential and employment stability.

In general, we sell the majority of our conforming fixed rate residential mortgage loan originations in the secondary market and retain the majority of our non-conforming and adjustable-rate mortgage loans. Our mortgage loan portfolio does not include payment option adjustable-rate mortgage loans or adjustable-rate mortgage loans with initial rates that are below market. Home equity loans are primarily first-lien and fully amortizing.

Residential mortgage loans guaranteed by U.S. government agencies have limited credit exposure because of the agency guarantee. This amount includes residential mortgage loans previously sold into GNMA mortgage pools that the Company may repurchase when certain defined delinquency criteria are met. Because of this repurchase right, the Company is deemed to have regained effective control over these loans and must include them on the Consolidated Balance Sheet.

Approximately 90% of the loans in this segment are secured by collateral located within our geographical footprint. Loans for which the collateral location is less relevant, such as unsecured loans, are categorized by the borrower’s primary location.

Credit Commitments
 
Commitments to extend credit are agreements to lend to a customer as long as there is no violation of conditions established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. At December 31, 2025, outstanding commitments totaled $15.9 billion. Because some commitments are expected to expire before being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. BOK Financial uses the same credit policies in making commitments as it does loans.

The amount of collateral obtained, if deemed necessary, is based upon management’s credit evaluation of the borrower.

Standby letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party. Because the credit risk involved in issuing standby letters of credit is essentially the same as that involved in extending loan commitments, BOK Financial uses the same credit policies in evaluating the creditworthiness of the customer. Additionally, BOK Financial uses the same evaluation process in obtaining collateral on standby letters of credit as it does for loan commitments. The term of these standby letters of credit is defined in each commitment and typically corresponds with the underlying loan commitment. At December 31, 2025, outstanding standby letters of credit totaled $607 million. 

Allowances for Credit Losses and Accrual for Off-balance Sheet Credit Risk from Unfunded Loans Commitments

BOK Financial maintains an allowance for loan losses and accrual for off-balance sheet credit risk from unfunded commitments. The allowance consists of specific allowances attributed to certain individual loans, generally nonaccruing loans, with dissimilar risk characteristics that have not yet been charged down to amounts we expect to recover and general allowances for estimated credit losses on pools of loans that share similar risk characteristics based on probability of default, loss given default, and exposure at default for each loan class developed based on current and forecasted relevant economic loss drivers.

The accrual for off-balance sheet credit risk is maintained at a level that is appropriate to cover estimated losses associated with credit instruments that are not currently recognized as assets such as loan commitments, standby letters of credit, or guarantees that are not unconditionally cancellable by the bank.
The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the year ended December 31, 2025 is summarized as follows (in thousands):
 CommercialCommercial Real EstateLoans to
Individuals		Total
Allowance for loan losses:    
Beginning balance$145,153 $91,072 $43,810 $280,035 
Provision for loan losses(3,493)(5,117)11,174 2,564 
Loans charged off(5,374)(126)(4,805)(10,305)
Recoveries of loans previously charged off939 291 2,336 3,566 
Ending balance$137,225 $86,120 $52,515 $275,860 
Allowance for off-balance sheet credit risk from unfunded loan commitments:    
Beginning balance$18,046 $31,959 $1,635 $51,640 
Provision for off-balance sheet credit risk
1,677 (1,873)(173)(369)
Ending balance$19,723 $30,086 $1,462 $51,271 

A $2.0 million provision for credit losses was recorded for the year ended December 31, 2025, reflecting the impact of loan growth during the year, partially offset by improvements in portfolio credit quality and economic forecast scenario assumptions.

The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the year ended December 31, 2024 is summarized as follows (in thousands):

 CommercialCommercial Real EstateLoans to
Individuals		Total
Allowance for loan losses:    
Beginning balance$141,232 $94,718 $41,173 $277,123 
Provision for loan losses12,614 (2,481)5,658 15,791 
Loans charged off(11,763)(1,455)(5,617)(18,835)
Recoveries of loans previously charged off3,070 290 2,596 5,956 
Ending balance$145,153 $91,072 $43,810 $280,035 
Allowance for off-balance sheet credit risk from unfunded loan commitments:    
Beginning balance$19,762 $27,439 $1,776 $48,977 
Provision for off-balance sheet credit risk
(1,716)4,520 (141)2,663 
Ending balance$18,046 $31,959 $1,635 $51,640 
The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit is for the year ended December 31, 2023 summarized as follows (in thousands):

 CommercialCommercial Real EstateLoans to IndividualsTotal
Allowance for loan losses:    
Beginning balance$131,586 $57,648 $46,470 $235,704 
Provision for loan losses19,308 42,151 (1,941)59,518 
Loans charged off(12,898)(8,446)(5,972)(27,316)
Recoveries of loans previously charged off
3,236 3,365 2,616 9,217 
Ending balance$141,232 $94,718 $41,173 $277,123 
Allowance for off-balance sheet credit risk from unfunded loan commitments:    
Beginning balance$18,246 $40,490 $2,183 $60,919 
Provision for off-balance sheet credit losses1,516 (13,051)(407)(11,942)
Ending balance$19,762 $27,439 $1,776 $48,977 

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2025 is as follows (in thousands):

 Collectively Measured
for General Allowances		Individually Measured
for Specific Allowances		Total
 Recorded InvestmentRelated AllowanceRecorded InvestmentRelated AllowanceRecorded InvestmentRelated
Allowance
Commercial$15,244,965 $133,232 $36,102 $3,993 $15,281,067 $137,225 
Commercial real estate5,665,309 83,925 6,697 2,195 5,672,006 86,120 
Loans to individuals4,666,828 52,515 31,561 — 4,698,389 52,515 
Total$25,577,102 $269,672 $74,360 $6,188 $25,651,462 $275,860 


The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2024 is as follows (in thousands):

 Collectively Measured
for General Allowances		Individually Measured
for Specific Allowances		Total
 Recorded InvestmentRelated AllowanceRecorded InvestmentRelated AllowanceRecorded InvestmentRelated
Allowance
Commercial$15,015,489 $144,877 $14,647 $276 $15,030,136 $145,153 
Commercial real estate5,048,547 91,072 9,905 — 5,058,452 91,072 
Loans to individuals4,003,963 43,810 22,173 — 4,026,136 43,810 
Total$24,067,999 $279,759 $46,725 $276 $24,114,724 $280,035 
Credit Quality Indicators

The Company utilizes risk grading as primary credit quality indicators as it influences the probability of default which is a key attribute in the expected credit losses calculation. Substantially all commercial as well as commercial real estate loans and certain loans to individuals are risk graded based on a quarterly evaluation of the borrowers’ ability to repay the loans. Certain commercial loans and most loans to individuals are small, homogeneous pools that are not risk-graded. The credit quality of these loans is based on past due days in accordance with regulatory guidelines.

We have included in the credit quality indicator "pass" loans that are in compliance with the original terms of the agreement and currently exhibit no factors that cause management to have doubts about the borrowers’ ability to remain in compliance with the original terms of the agreement, which is consistent with the regulatory guideline of "pass." This also includes past due residential mortgages that are guaranteed by agencies of the U.S. government that continue to accrue interest based on criteria of the guarantors’ programs.

Other loans especially mentioned ("Special Mention") are currently performing in compliance with the original terms of the agreement but may have a potential weakness that deserves management’s close attention, consistent with regulatory guidelines. Non-graded loans 30 to 59 days past due are categorized as Special Mention.

The risk grading process identifies certain loans that have a well-defined weakness (for example, inadequate debt service coverage or liquidity or marginal capitalization; repayment may depend on collateral or other risk mitigation) that may jeopardize liquidation of the debt and represent a greater risk due to deterioration in the financial condition of the borrower. This is consistent with the regulatory guideline for "substandard." Because the borrowers are still performing in accordance with the original terms of the loan agreements, these loans remain on accruing status. Non-graded loans 60 to 89 days past due are categorized as Accruing Substandard.

Nonaccruing loans represent loans for which full collection of principal and interest is uncertain. This includes certain loans considered "substandard" and all loans considered "doubtful" by regulatory guidelines. Non-graded loans 90 or more days past due are categorized as Nonaccrual.

Probability of default is lowest for pass graded loans and increases for Special Mention and Accruing Substandard.

Vintage represents the year of origination, except for revolving loans which are considered in aggregate. Loans that were once revolving but have converted to term loans without additional underwriting appear in a separate vintage column.
The following table summarizes the Company's loan portfolio at December 31, 2025 by the risk grade categories and vintage (in thousands):

Origination Year
20252024202320222021PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Commercial:
Healthcare
Pass$1,110,851 $460,630 $413,197 $744,765 $298,992 $546,567 $226,298 $9 $3,801,309 
Special Mention— — — 43,576 96 — 5 — 43,677 
Accruing Substandard181 9,589 37,492 4,144 5,170 83,156 — — 139,732 
Nonaccrual— — 14,850 — — 8,638 2 — 23,490 
Total healthcare1,111,032 470,219 465,539 792,485 304,258 638,361 226,305 9 4,008,208 
Loans charged off, year-to-date
— — — — 31 — — — 31 
Services
Pass693,147 462,642 488,381 393,685 265,346 612,098 865,163 491 3,780,953 
Special Mention1,071 4,369 428 — — 20,011 76,565 — 102,444 
Accruing Substandard4,595 218 9,857 1,421 2,136 3,404 754 — 22,385 
Nonaccrual446 29 — 864 — — 4,796 — 6,135 
Total services699,259 467,258 498,666 395,970 267,482 635,513 947,278 491 3,911,917 
Loans charged off, year-to-date
— — — — — — 4,147 21 4,168 
Energy
Pass147,840 58,798 44,882 10,479 2,297 19,500 2,598,446 — 2,882,242 
Total energy147,840 58,798 44,882 10,479 2,297 19,500 2,598,446 — 2,882,242 
Loans charged off, year-to-date
— — — — — — 94 — 94 
General business
Pass845,421 389,679 424,859 179,660 139,664 318,834 2,066,703 1,369 4,366,189 
Special Mention24,882 1,480 6,920 4,288 7,070 2,099 40,873 106 87,718 
Accruing Substandard641 4,338 4,416 5,441 1,466 — 2,014 — 18,316 
Nonaccrual— — 1,445 2,163 72 2,787 — 10 6,477 
Total general business870,944 395,497 437,640 191,552 148,272 323,720 2,109,590 1,485 4,478,700 
Loans charged off, year-to-date
14 — 132 — — — 826 109 1,081 
Total commercial2,829,075 1,391,772 1,446,727 1,390,486 722,309 1,617,094 5,881,619 1,985 15,281,067 
Commercial real estate:
Pass948,049 939,354 476,954 1,670,158 671,080 777,510 107,199 — 5,590,304 
Special Mention— — — 6,405 — 3,949 — — 10,354 
Accruing Substandard
— 484 — 4,971 29,324 29,872 — — 64,651 
Nonaccrual— — — — — 6,697 — — 6,697 
Total commercial real estate948,049 939,838 476,954 1,681,534 700,404 818,028 107,199 — 5,672,006 
Loans charged off, year-to-date— — — 126 — — — — 126 
Origination Year
20252024202320222021PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Loans to individuals:
Residential mortgage
Pass564,508 404,186 265,734 250,169 280,232 452,195 458,006 29,190 2,704,220 
Special Mention— — — 140 10 5,387 1,628 1,298 8,463 
Accruing Substandard— — 72 — — 12 385 — 469 
Nonaccrual95 1,333 1,314 1,594 1,402 7,280 4,465 780 18,263 
Total residential mortgage564,603 405,519 267,120 251,903 281,644 464,874 464,484 31,268 2,731,415 
Loans charged off, year-to-date
— 38 48 — — 56 178 — 320 
Residential mortgage guaranteed by U.S. government agencies
Pass776 3,676 9,453 8,486 2,801 124,581 — — 149,773 
Nonaccrual— — 398 265 — 7,923 — — 8,586 
Total residential mortgage guaranteed by U.S. government agencies
776 3,676 9,851 8,751 2,801 132,504 — — 158,359 
Personal
Pass489,188 188,899 201,427 140,602 101,967 197,075 476,829 282 1,796,269 
Special Mention22 18 46 17 16 4 1,182 — 1,305 
Accruing Substandard6,186 12 — 2 — 129 — — 6,329 
Nonaccrual7 56 4,627 9 12 1 — — 4,712 
Total personal495,403 188,985 206,100 140,630 101,995 197,209 478,011 282 1,808,615 
Loans charged off, year-to-date1
4,325 87 24 19 — 5 25 — 4,485 
Total loans to individuals1,060,782 598,180 483,071 401,284 386,440 794,587 942,495 31,550 4,698,389 
Total loans$4,837,906 $2,929,790 $2,406,752 $3,473,304 $1,809,153 $3,229,709 $6,931,313 $33,535 $25,651,462 
1    Includes charge-offs on deposit overdrafts, which are generally charged off at 60 days past due.
The following table summarizes the Company's loan portfolio at December 31, 2024 by the risk grade categories and vintage (in thousands):
Origination Year
20242023202220212020PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Commercial:
Healthcare
Pass$539,305 $544,103 $896,042 $481,816 $344,609 $644,441 $249,793 $10 $3,700,119 
Special Mention— 15,000 64,895 110 — 32,555 255 — 112,815 
Accruing Substandard— 38,180 5,253 15,529 51,134 29,151 1,635 — 140,882 
Nonaccrual— — 96 463 — 13,158 — — 13,717 
Total healthcare539,305 597,283 966,286 497,918 395,743 719,305 251,683 10 3,967,533 
Loans charged off, year-to-date— — — — — 7,240 — — 7,240 
Services
Pass629,978 625,969 422,015 404,949 187,324 570,775 745,853 379 3,587,242 
Special Mention— 3,324 123 1,537 — 11,796 17,923 — 34,703 
Accruing Substandard— 675 9,030 20 1,217 7,750 1,399 400 20,491 
Nonaccrual— — — — — — 767 — 767 
Total services629,978 629,968 431,168 406,506 188,541 590,321 765,942 779 3,643,203 
Loans charged off, year-to-date— — — — 22 80 9 — 111 
Energy
Pass148,972 46,094 39,050 2,621 6,488 16,989 2,985,161 — 3,245,375 
Accruing Substandard— — — — — — 9,300 — 9,300 
Nonaccrual— — — — — 49 — — 49 
Total energy148,972 46,094 39,050 2,621 6,488 17,038 2,994,461 — 3,254,724 
Loans charged off, year-to-date— — — — — — 226 — 226 
General business
Pass740,440 571,897 267,528 176,468 117,755 319,986 1,862,643 1,938 4,058,655 
Special Mention4,399 5,749 4,285 7,002 224 1,736 3,037 — 26,432 
Accruing Substandard3,980 15,872 43,300 4,764 992 4,708 5,859 — 79,475 
Nonaccrual— 32 — — — 23 — 59 114 
Total general business748,819 593,550 315,113 188,234 118,971 326,453 1,871,539 1,997 4,164,676 
Loans charged off, year-to-date— 27 1,465 — — 166 2,425 103 4,186 
Total commercial2,067,074 1,866,895 1,751,617 1,095,279 709,743 1,653,117 5,883,625 2,786 15,030,136 
Commercial real estate:
Pass436,206 512,614 2,004,558 793,161 233,619 810,497 141,307 — 4,931,962 
Special Mention— 313 14,907 32,131 — — — — 47,351 
Accruing Substandard— — 36,981 — — 32,253 — — 69,234 
Nonaccrual— — — — — 9,905 — — 9,905 
Total commercial real estate436,206 512,927 2,056,446 825,292 233,619 852,655 141,307 — 5,058,452 
Loans charged off, year-to-date— — — — — 1,455 — — 1,455 
Origination Year
20242023202220212020PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Loans to individuals:
Residential mortgage
Pass530,186 338,187 286,865 318,935 314,814 210,251 395,943 22,929 2,418,110 
Special Mention— 167 148 219 — 113 1,767 — 2,414 
Accruing Substandard— — 163 — — 45 898 67 1,173 
Nonaccrual245 1,758 990 522 583 7,420 3,221 522 15,261 
Total residential mortgage530,431 340,112 288,166 319,676 315,397 217,829 401,829 23,518 2,436,958 
Loans charged off, year-to-date— 43 — — — 18 10 — 71 
Residential mortgage guaranteed by U.S. government agencies
Pass462 4,337 6,618 2,432 3,506 112,491 — — 129,846 
Nonaccrual— — — — 280 6,523 — — 6,803 
Total residential mortgage guaranteed by U.S. government agencies
462 4,337 6,618 2,432 3,786 119,014 — — 136,649 
Personal
Pass245,737 149,572 167,272 115,710 107,291 151,030 510,147 2,619 1,449,378 
Special Mention18 17 30 825 8 — 8 — 906 
Accruing Substandard16 — — — 1 129 1,990 — 2,136 
Nonaccrual31 3 30 13 4 5 23 — 109 
Total personal245,802 149,592 167,332 116,548 107,304 151,164 512,168 2,619 1,452,529 
Loans charged off, year-to-date1
5,269 69 101 52 9 — 26 20 5,546 
Total loans to individuals776,695 494,041 462,116 438,656 426,487 488,007 913,997 26,137 4,026,136 
Total loans$3,279,975 $2,873,863 $4,270,179 $2,359,227 $1,369,849 $2,993,779 $6,938,929 $28,923 $24,114,724 
1    Includes charge-offs on deposit overdrafts, which are generally charged off at 60 days past due.
Nonaccruing Loans

A summary of nonaccruing loans as of December 31, 2025 follows (in thousands): 
 TotalWith No
Allowance		With AllowanceRelated Allowance
Commercial:    
Healthcare$23,490 $18,390 $5,100 $200 
Services6,135 1,339 4,796 1,043 
General business6,477 3,727 2,750 2,750 
Total commercial36,102 23,456 12,646 3,993 
Commercial real estate6,697 — 6,697 2,195 
Loans to individuals:    
Residential mortgage18,263 18,263 — — 
Residential mortgage guaranteed by U.S. government agencies
8,586 8,586 — — 
Personal4,712 4,712 — — 
Total loans to individuals31,561 31,561 — — 
Total$74,360 $55,017 $19,343 $6,188 
The majority of our nonaccruing loans are considered collateral dependent where repayment is expected to be provided through operation or sale of the collateral. Nonaccruing commercial and commercial real estate loans are primarily secured by commercial real estate and nonaccruing residential mortgage loans are secured by residential real estate.
A summary of nonaccruing loans as of December 31, 2024 follows (in thousands):
 TotalWith No
Allowance		With AllowanceRelated Allowance
Commercial:    
Healthcare$13,717 $13,717 $— $— 
Services767 491 276 276 
Energy
49 49 — — 
General business114 114 — — 
Total commercial14,647 14,371 276 276 
Commercial real estate9,905 9,905 — — 
Loans to individuals:    
Residential mortgage15,261 15,261 — — 
Residential mortgage guaranteed by U.S. government agencies
6,803 6,803 — — 
Personal109 109 — — 
Total loans to individuals22,173 22,173 — — 
Total$46,725 $46,449 $276 $276 
Loan Modifications to Borrowers Experiencing Financial Difficulty

For the year ended December 31, 2025, the Company had $85 million of loan modifications to borrowers experiencing financial difficulty, including $32 million of commercial real estate loans, $31 million of healthcare loans, and $19 million of residential mortgage loans guaranteed by U.S. government agencies. Modifications generally consist of interest rate reductions, an other than insignificant payment delay, term extension, or a combination thereof. Approximately $66 million of the modifications are term extensions of commercial real estate loans and commercial loans, and $19 million are combination modifications to residential mortgage loans guaranteed by U.S. government agencies. During the year ended December 31, 2025, $22 million of loans that were modified in the previous twelve months defaulted. Approximately $10 million of these defaults were related to term extensions of healthcare loans, and $9.9 million of these defaults were related to combination modifications to residential mortgage loans guaranteed by U.S. government agencies. A payment default is defined as being 30 or more days past due after modification.

For the year ended December 31, 2024, the Company had $100 million of loan modifications to borrowers experiencing financial difficulty, including $72 million of healthcare loans, $9.3 million of energy loans, and $8.6 million of residential mortgage loans guaranteed by U.S. government agencies. Approximately $91 million of the modifications were term extensions of commercial loans and personal loans, and $8.6 million were combination modifications to residential mortgage loans guaranteed by U.S. government agencies. During the year ended December 31, 2024, $31 million of loans that were modified in the previous twelve months defaulted. Approximately $25 million of these defaults were related to term extensions of commercial loans, and $5.2 million of these defaults were related to combination modifications to residential mortgage loans guaranteed by U.S. government agencies.

Past Due Loans

Past due status for all loan classes is based on the actual number of days since the last payment was due according to the contractual terms of the loans, as modified for short-term payment deferral forbearance.

A summary of loans currently performing and past due as of December 31, 2025 is as follows (in thousands):
  Past Due 
 Current30 to 59
Days		60 to 89
Days		90 Days
or More		TotalPast Due 90 Days or More and Accruing
Commercial:    
Healthcare$3,984,720 $— $— $23,488 $4,008,208 $— 
Services3,903,616 3,476 4,796 29 3,911,917 — 
Energy2,882,242 — — — 2,882,242 — 
General business4,469,156 5,702 3,842 — 4,478,700 — 
Total commercial15,239,734 9,178 8,638 23,517 15,281,067 — 
Commercial real estate5,664,492 817 — 6,697 5,672,006 — 
Loans to individuals:    
Permanent mortgage2,714,617 8,570 2,182 6,046 2,731,415 — 
Permanent mortgages guaranteed by U.S. government agencies
47,950 17,975 11,377 81,057 158,359 76,535 
Personal1,799,975 3,463 551 4,626 1,808,615 — 
Total loans to individuals4,562,542 30,008 14,110 91,729 4,698,389 76,535 
Total$25,466,768 $40,003 $22,748 $121,943 $25,651,462 $76,535 
A summary of loans currently performing and past due as of December 31, 2024 is as follows (in thousands):

  Past Due 
 Current30 to 59
Days		60 to 89
Days		90 Days
or More		TotalPast Due 90 Days or More and Accruing
Commercial:    
Healthcare$3,932,142 $25,778 $— $9,613 $3,967,533 $— 
Services3,642,436 — 767 — 3,643,203 — 
Energy3,254,724 — — — 3,254,724 — 
General business4,161,510 3,067 70 29 4,164,676 — 
Total commercial14,990,812 28,845 837 9,642 15,030,136 — 
Commercial real estate5,048,667 — — 9,785 5,058,452 — 
Loans to individuals:    
Permanent mortgage2,416,633 10,930 5,622 3,773 2,436,958 — 
Permanent mortgages guaranteed by U.S. government agencies
45,910 18,514 15,268 56,957 136,649 52,504 
Personal1,451,397 1,061 48 23 1,452,529 — 
Total loans to individuals3,913,940 30,505 20,938 60,753 4,026,136 52,504 
Total$23,953,419 $59,350 $21,775 $80,180 $24,114,724 $52,504 
v3.25.4
Premises and Equipment and Leases
 12 Months Ended
Dec. 31, 2025
Property, Plant and Equipment [Abstract]  
Premises and Equipment Disclosure [Text Block] Premises and Equipment and Leases
Premises and equipment at December 31, 2025 and 2024 are summarized as follows (in thousands):
 December 31,
 20252024
Land$68,762 $68,816 
Buildings and improvements540,388 540,832 
Software and related integration264,638 270,991 
Furniture and equipment272,255 245,796 
Construction in progress39,422 45,422 
Premises and equipment1,185,465 1,171,857 
Less: Accumulated depreciation546,529 537,372 
Premises and equipment, net of accumulated depreciation$638,936 $634,485 

Depreciation expense of premises and equipment was $74.4 million, $68.5 million, and $68.7 million for the years ended December 31, 2025, 2024, and 2023, respectively.

Premises and equipment, net includes right-of-use assets for leased office space and facilities. Leases are at market rates at inception and may contain escalations based on consumer price index or similar benchmarks and options to renew at then-applicable market rates.

Right-of-use assets of $193 million at December 31, 2025, and $213 million at December 31, 2024, are included in Premises and equipment, net, and the related right-of-use liabilities are included in Other liabilities in the Consolidated Balance Sheets.
At December 31, 2025, undiscounted operating lease liabilities are scheduled to mature as follows (in thousands):

2026$34,495 
202732,143 
202830,473 
202929,394 
203027,978 
Thereafter147,895 
Total undiscounted lease payments302,378 
Less: Interest74,258 
Lease liabilities$228,120 

Operating cash flows from operating leases were $29.8 million, $28.6 million, and $26.8 million for the years ended December 31, 2025, 2024, and 2023, respectively.

The following table presents lease expense included in Net occupancy and equipment in the Consolidated Statements of Earnings for the years indicated (in thousands).
Year Ended December 31,
202520242023
Operating lease expense$26,191 $26,800 $25,282 
Variable lease expense14,958 14,962 15,327 
Finance lease expense2,844 3,497 3,592 
Short-term lease expense270 447 283 

At December 31, 2025, the weighted-average remaining lease term on operating leases was 8.9 years and the weighted average discount rate was 3.4%. At December 31, 2025, the weighted-average remaining lease term on finance leases was 2.6 years and the weighted-average discount rate was 3.9%.

BOKF, NA is obligated under a long-term lease for its bank premises in downtown Tulsa. The original lease dated November 1, 1976 was renegotiated on July 1, 2019. The new lease will terminate on December 31, 2034. The Company has the option to renew for an additional 10 years. Premises leases may include options to renew at then current market rates and may include escalation provisions based upon changes in consumer price index or similar benchmarks.
The Company may lease owned properties or sublease unoccupied leased facilities. Income on these leases is immaterial.
v3.25.4
Goodwill and Intangible Assets
 12 Months Ended
Dec. 31, 2025
Goodwill and Intangible Assets Disclosure [Abstract]  
Goodwill and Intangible Assets [Text Block] Goodwill and Intangible Assets
The following table presents the original cost and accumulated amortization of intangible assets (in thousands):
 December 31,
 20252024
Core deposit premiums$103,200 $103,200 
Less: Accumulated amortization83,330 74,654 
Net core deposit premiums19,870 28,546 
Other identifiable intangible assets50,044 51,671 
Less: Accumulated amortization35,162 33,429 
Net other identifiable intangible assets14,882 18,242 
Total intangible assets, net$34,752 $46,788 
Expected amortization expense for intangible assets that will continue to be amortized (in thousands):
Core
Deposit
Premiums		Other
Identifiable
Intangible Assets		Total
2026$7,986 $1,521 $9,507 
20276,956 1,336 8,292 
20284,928 1,044 5,972 
2029— 1,010 1,010 
2030— 982 982 
Thereafter— 8,989 8,989 
Total
$19,870 $14,882 $34,752 

The carrying value of goodwill by operating segment is as follows (in thousands):
 Commercial BankingConsumer BankingWealth
Management		Funds Management and OtherTotal
Balance, December 31, 2023$910,589 $43,458 $90,702 $— $1,044,749 
Balance, December 31, 2024910,589 43,458 90,702 — 1,044,749 
Balance, December 31, 2025910,589 43,458 90,702 — 1,044,749 

In July 2025, the Company combined its reporting units to align with its three operating segments. No reallocation of goodwill was necessary, and the goodwill of the existing reporting units was combined in the new reporting units. The reporting unit level is consistent with the level at which the CODM assesses the performance of the Company and makes decisions concerning the allocation of resources.

Due to the change in composition of the Company's reporting units, management performed a quantitative assessment of goodwill for impairment immediately before and after the change as of July 1, 2025.

The quantitative analysis uses a blend of both income and market approaches to value the reporting units and compares the fair value of the reporting unit with its carrying value. Goodwill is considered impaired if the fair value of the reporting unit is less than the carrying value of the reporting unit, including goodwill.

The income approach, which is the primary valuation approach, consists of discounting projected long-term future cash flows, which are derived from internal forecasts and economic expectations for the respective reporting units. The significant inputs to the income approach include expected future cash flows, long-term target equity ratios, and the discount rate. The market approaches incorporate comparable public company information, valuation multiples, and consideration of a market control premium along with data related to comparable observed purchase transactions in the financial services industry for the reporting units.

The results of the interim quantitative goodwill impairment tests indicated that the fair values of the reporting units exceeded their respective carrying values by more than 10% both immediately prior to and immediately after the realignment. Therefore, there was no goodwill impairment.

The Company performed its annual impairment assessment of goodwill on October 1, 2025 by performing a qualitative assessment of goodwill at the reporting unit level based on factors including, but not limited to, general economic conditions, financial services industry considerations, regional economic conditions, general Company performance, and reporting unit performance. No impairment was indicated for any reporting unit.
v3.25.4
Deposits
 12 Months Ended
Dec. 31, 2025
Deposits [Abstract]  
Deposits [Text Block] Deposits
 
Interest expense on deposits is summarized as follows (in thousands):
 
Year Ended December 31,
 202520242023
Transaction deposits$814,145 $861,538 $540,068 
Savings4,683 4,845 2,913 
Total time136,943 159,346 83,616 
Total$955,771 $1,025,729 $626,597 
 
The aggregate amount of time deposits in denominations of $250,000 or more at December 31, 2025 and 2024 was $891 million and $956 million, respectively.

Time deposit maturities are as follows: 2026 – $2.4 billion, 2027 – $1.1 billion, 2028 – $67 million, 2029 – $18 million, 2030 – $9.4 million, and $31 million thereafter. 

The aggregate amount of overdrawn customer transaction deposits that have been reclassified as loan balances was $4.4 million at December 31, 2025 and $5.2 million at December 31, 2024.
v3.25.4
Other Borrowed Funds
 12 Months Ended
Dec. 31, 2025
Debt Disclosure [Abstract]  
Other Borrowed Funds [Text Block] Other Borrowed Funds
 
Information relating to other borrowings is summarized as follows (dollars in thousands):
 As ofYear Ended
December 31, 2025December 31, 2025
BalanceRateAverage BalanceRateMaximum
Outstanding
At Any
Month End
Funds purchased$970,293 3.54 %$679,310 3.82 %$1,162,990 
Repurchase agreements521,423 1.82 %265,462 2.08 %521,423 
Other borrowings:
Federal Home Loan Bank advances2,700,000 3.91 %4,632,535 4.47 %4,100,000 
GNMA repurchase liability34,215 3.99 %27,625 3.91 %34,215 
Other11,724 4.21 %12,187 7.90 %20,863 
Total other borrowings2,745,939 4,672,347 4.48 %
Subordinated debentures1
396,589 6.11 %118,108 6.26 %396,878 
Total other borrowed funds$4,634,244 $5,735,227 4.33 %
1    BOKF, NA only as of December 31, 2025. Parent Company and BOKF, NA for average for the year ended December 31, 2025.

 As ofYear Ended
December 31, 2024December 31, 2024
BalanceRateAverage BalanceRateMaximum
Outstanding
At Any
Month End
Funds purchased$615,809 4.21 %$613,294 4.66 %$899,447 
Repurchase agreements677,047 1.45 %682,699 3.49 %1,627,169 
Other borrowings:
Federal Home Loan Bank advances3,000,000 4.58 %6,181,011 5.45 %6,700,000 
GNMA repurchase liability17,628 3.83 %13,914 4.17 %17,628 
Other12,495 4.78 %13,729 6.04 %14,800 
Total other borrowings3,030,123 6,208,654 5.45 %
Subordinated debentures2
131,200 6.43 %131,163 7.03 %131,200 
Total other borrowed funds$4,454,179 $7,635,810 5.24 %
2 Parent Company only.

As ofYear Ended
December 31, 2023December 31, 2023
BalanceRateAverage BalanceRateMaximum
Outstanding
At Any
Month End
Funds purchased$515,747 5.17 %$847,676 4.83 %$1,711,580 
Repurchase agreements607,001 1.70 %1,805,978 4.32 %4,433,480 
Other borrowings:
Federal Home Loan Bank advances7,675,000 5.51 %5,948,863 5.28 %7,875,000 
GNMA repurchase liability11,660 4.13 %11,224 4.04 %12,414 
Other14,892 5.50 %19,008 3.91 %26,311 
Total other borrowings7,701,552 5,979,095 5.28 %
Subordinated debentures2
131,150 6.93 %131,155 6.83 %131,164 
Total other borrowed funds$8,955,450 $8,763,904 5.06 %
2 Parent Company only.
Aggregate annual principal repayments at December 31, 2025 are as follows (in thousands):
2026$4,230,892 
20272,248 
2028200 
2029— 
2030— 
Thereafter400,904 
Total$4,634,244 

Funds purchased are unsecured and generally mature within one day to ninety days from the transaction date. Securities repurchase agreements are recorded as secured borrowings that generally mature within ninety days and are secured by certain AFS securities. 

Borrowings from the Federal Home Loan Banks are used for funding purposes. In accordance with policies of the Federal Home Loan Banks, BOK Financial has granted a blanket pledge of eligible assets (generally unencumbered U.S. Treasury and residential mortgage-backed securities, 1-4 family loans and multifamily loans) as collateral for these advances. The Federal Home Loan Banks have issued letters of credit totaling $859 million to secure BOK Financial’s obligations to depositors of public funds. The unused credit available to BOK Financial at December 31, 2025 pursuant to the Federal Home Loan Bank’s collateral policies is $5.1 billion.

As a result of the acquisition of CoBiz Financial in 2018, we obtained $60 million of subordinated debt issued in June 2015 that was set to mature on June 25, 2030. We also acquired $72 million of junior subordinated debentures with maturity dates from September 17, 2033 through September 30, 2035. The subordinated debentures were subject to early redemption prior to maturity. All acquired subordinated debt and junior subordinated debentures were redeemed during the second quarter of 2025. The redemption price was 100% of the principal amount, plus accrued interest up to the redemption date.

On November 6, 2025, BOKF, NA issued $400 million of subordinated debt set to mature on November 6, 2040 This debt bears an interest rate of 6.108% through November 5, 2035 and thereafter, the notes will bear an interest rate equal to the Five-Year U.S. Treasury rate plus 2.00%. Interest is payable semi-annually in arrears beginning on May 6, 2026. The debt contains an option to redeem the notes (i) in whole, but not in part, on any day in the period commencing on and including August 8, 2035 and ending on and including November 6, 2035, (ii) in whole or in part, at any time and from time to time, on or after May 10, 2040, or (iii) in whole, but not in part, at any time within 90 days following a regulatory capital treatment event.

BOK Financial Securities, Inc. may borrow funds from Pershing, LLC, a clearing broker/dealer and a wholly owned subsidiary of Bank of New York Mellon, for the purposes of financing securities purchases or to facilitate funding of investment banking activities on terms to be negotiated at the time of the borrowing. BOK Financial Securities, Inc. had no borrowings outstanding at December 31, 2025 and December 31, 2024.

The Company has a liability related to the repurchase of certain delinquent residential mortgage loans previously sold into GNMA mortgage pools. Interest is payable at rates contractually due to investors.
v3.25.4
Federal and State Income Taxes
 12 Months Ended
Dec. 31, 2025
Income Tax Disclosure [Abstract]  
Federal and State Income Taxes [Text Block] Federal and State Income Taxes
Deferred income taxes reflect the net tax effects of temporary differences between the carrying amounts of assets and liabilities for financial reporting purposes and the amounts used for income tax purposes. Significant components of deferred tax assets and liabilities are as follows (in thousands):
December 31,
20252024
Deferred tax assets:
Available-for-sale securities mark to market$51,019 $154,277 
Credit loss reserves76,937 78,016 
Lease liability53,274 58,399 
Compensation and employee benefits56,512 51,545 
Loan origination fees, net3,954 4,442 
Other20,799 25,918 
Total deferred tax assets262,495 372,597 
Deferred tax liabilities:
Right-of-use asset44,323 49,249 
Mortgage servicing rights35,971 35,464 
Goodwill and intangibles19,734 20,619 
Depreciation23,038 5,878 
Lease financing4,684 9,342 
Other11,359 20,176 
Total deferred tax liabilities139,109 140,728 
Net deferred tax assets
$123,386 $231,869 

No valuation allowance was necessary on deferred tax assets as of December 31, 2025 and 2024.

The significant components of the provision for income taxes attributable to continuing operations for BOK Financial, all of which are in the United States, are shown below (in thousands):
Year Ended December 31,
202520242023
Current income tax expense:
Federal$137,146 $116,663 $152,600 
State20,269 18,148 19,298 
Total current income tax expense157,415 134,811 171,898 
Deferred income tax expense (benefit):
Federal4,179 7,632 (17,973)
State1,046 648 (1,810)
Total deferred income tax expense (benefit)5,225 8,280 (19,783)
Total income tax expense$162,640 $143,091 $152,115 
The reconciliations of income attributable to continuing operations, at the U.S. federal statutory tax rate, to income tax expense are as follows (dollars in thousands):
Year Ended December 31,
 202520242023
Federal statutory tax$155,530 21.0 %$139,996 21.0 %$143,482 21.0 %
State income taxes, net of federal benefit1
16,742 2.3 %15,055 2.3 %13,330 2.0 %
Tax credits, net of proportional amortization:
Low-income housing tax credits, net
(6,772)(0.9)%(7,371)(1.1)%(1,805)(0.3)%
Other tax credits, net(2,523)(0.3)%(1,486)(0.2)%(868)(0.1)%
Nontaxable or nondeductible items:
Tax exempt revenue(7,073)(1.0)%(6,341)(1.0)%(5,786)(0.8)%
Other adjustments
6,773 0.9 %3,857 0.6 %4,444 0.7 %
Changes in unrecognized tax benefit
(917)(0.1)%(1,433)(0.2)%(905)(0.1)%
Other, net880 0.1 %814 0.1 %223 (0.1)%
Total income tax expense and effective tax rate$162,640 22.0 %$143,091 21.5 %$152,115 22.3 %
1    State taxes in OK, CO, and AZ, and OK, CO, and NYC, and OK and CO make up more than 50 percent of the tax effect in this category for tax years 2025, 2024, and 2023, respectively.

A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows (in thousands):
202520242023
Balance as of January 1$16,499 $17,957 $19,583 
Additions for tax for current year positions3,548 3,397 3,239 
Lapses of applicable statute of limitations(4,311)(4,855)(4,865)
Balance as of December 31$15,736 $16,499 $17,957 

Of the above unrecognized tax benefits, $12.4 million, if recognized, would have affected the effective tax rate.
BOK Financial recognizes interest and penalties accrued related to unrecognized tax benefits in income tax expense. The Company recognized $1.6 million for 2025, $1.6 million for 2024, and $1.6 million for 2023 in interest and penalties. The Company had approximately $4.7 million and $5.0 million accrued for the payment of interest and penalties at December 31, 2025 and 2024, respectively. Federal statutes remain open for federal tax returns filed in the previous three reporting periods. Various state income tax statutes remain open for the previous three to six reporting periods.
v3.25.4
Employee Benefits
 12 Months Ended
Dec. 31, 2025
Retirement Benefits [Abstract]  
Employee Benefits [Text Block] Employee Benefits
Employee contributions to the Thrift Plan are eligible for Company matching equal to 6% of base compensation, as defined in the Plan. The Company-provided matching contribution rates range from 50% for employees with less than 4 years of service to 200% for employees with 15 or more years of service. Additionally, a maximum Company-provided, non-elective annual contribution of up to $600 per participant is provided for employees whose annual base compensation is less than $60,000. Participants may direct the investments in their accounts to a variety of options, including but not limited to a BOK Financial common stock fund, BOKF stock, and Cavanal Hill funds. Employer contributions, which are invested in accordance with the participant’s investment options, vest over five years. Thrift Plan expenses were $38.1 million for 2025, $35.5 million for 2024, and $32.9 million for 2023.
v3.25.4
Share-Based Compensation Plans
 12 Months Ended
Dec. 31, 2025
Share-Based Payment Arrangement [Abstract]  
Share-Based Compensation Plans [Text Block] Share-Based Compensation Plans
The shareholders and Board of Directors of BOK Financial have approved various share-based compensation plans. An independent compensation committee of the Board of Directors determines the number of awards granted to the Chief Executive Officer and other senior executives. Share-based compensation is granted to other officers and employees as determined by the Chief Executive Officer.

The Company awards restricted stock to certain officers and employees and RSUs to certain executives, (collectively "non-vested shares"). Vesting of all non-vested shares is subject to service requirements. Additionally, vesting of certain non-vested shares is subject to performance criteria based on changes in the Company's earnings per share relative to defined peers. The following represents a summary of the non-vested shares for the three years ended December 31, 2025:
Restricted StockRestricted Stock Units
 SharesWeighted
Average
Grant Date
Fair Value		UnitsWeighted
Average
Grant Date
Fair Value
Non-vested at January 1, 2023492,884 51,010 
Granted180,178 $97.56 7,275 $102.35 
Vested(103,515)82.85 (6,894)77.36 
Forfeited(30,557)95.17 — — 
Non-vested at December 31, 2023538,990 51,391 
Granted236,834 $83.44 1,833 $81.79 
Vested(116,962)73.12 (5,271)88.25 
Forfeited(34,399)92.34 — — 
Non-vested at December 31, 2024624,463 47,953 
Granted241,245 $109.80 2,037 $111.49 
Vested(171,125)106.47 (8,372)103.79 
Forfeited(38,302)95.32 — — 
Non-vested at December 31, 2025656,281 41,618 

Compensation expense recognized on non-vested restricted stock totaled $23.0 million for 2025, $22.5 million for 2024, and $14.8 million for 2023. Unrecognized compensation cost of non-vested restricted stock totaled $27.8 million at December 31, 2025. We expect to recognize compensation expense of $17.3 million in 2026, $9.5 million in 2027, and $942 thousand in 2028 on the non-vested shares of restricted stock. Vesting of 286,848 shares of non-vested restricted stock may be increased or decreased based on performance criteria defined in the BOK Financial Corporation Omnibus Incentive Plan documents. The fair value of restricted shares vested totaled $18.4 million, $10.0 million, and $10.3 million during the years ended December 31, 2025, 2024, and 2023, respectively.

Compensation expense recognized on non-vested RSUs totaled $2.2 million for 2025, $148 thousand for 2024, and $572 thousand for 2023. Compensation cost for RSUs is variable based on the current fair value of BOK Financial common shares. Unrecognized compensation cost of non-vested RSUs totaled $1.1 million at December 31, 2025. We expect to recognize compensation expense of $842 thousand in 2026, $279 thousand in 2027, and $12 thousand in 2028 on the non-vested RSUs. Vesting of 38,620 non-vested RSUs may be increased or decreased based on performance criteria defined in the BOK Financial Corporation Omnibus Incentive Plan documents. The intrinsic value of share-based liabilities paid in 2025, 2024, and 2023 were $923 thousand, $449 thousand, and $709 thousand, respectively.
v3.25.4
Related Parties
 12 Months Ended
Dec. 31, 2025
Related Party Transactions [Abstract]  
Related Parties [Text Block] Related Parties
In compliance with applicable banking regulations, the Company may extend credit to certain executive officers, directors, principal shareholders, and their affiliates (collectively referred to as "related parties") in the ordinary course of business. The Company’s loans to related parties do not involve more than the normal credit risk.

Activity in loans to related parties is summarized as follows (in thousands):
Year Ended December 31,
 20252024
Beginning balance$181,648 $204,409 
Advances1,147,686 1,110,043 
Payments(1,041,582)(1,131,474)
Adjustments1
(1,142)(1,330)
Ending balance$286,610 $181,648 
1 Adjustments generally consist of changes in status as a related party.
As defined by banking regulations, loan commitments and equity investments from the subsidiary banks to a single affiliate may not exceed 10% of unimpaired capital and surplus while loan commitments and equity investments to all affiliates may not exceed 20% of unimpaired capital and surplus. Loans to affiliates must be fully secured by eligible collateral. At December 31, 2025, loan commitments and equity investments were limited to $542 million to a single affiliate and $1.1 billion to all affiliates. The largest loan commitment and equity investment to a single affiliate was $155 million, and the aggregate loan commitments and equity investments to all affiliates were $215 million. The largest outstanding amount to a single affiliate at December 31, 2025 was $126 thousand, and the total outstanding amounts to all affiliates were $126 thousand. At December 31, 2024, total loan commitments and equity investments to all affiliates were $215 million, and the total outstanding amounts to all affiliates were $408 thousand.

Certain related parties are customers of the Company for services other than loans, including consumer banking, corporate banking, risk management, wealth management, brokerage and trading, or fiduciary/trust services. The Company engages in transactions with related parties in the ordinary course of business in compliance with applicable regulations.

QuikTrip Corporation has entered into a fee sharing agreement with TransFund with respect to transactions completed at TransFund automated teller machines placed in QuikTrip locations. Pursuant to this agreement, BOKF paid QuikTrip approximately $13.3 million in 2025, $11.5 million in 2024, and $11.4 million in 2023. A BOK Financial director is Chief Executive Officer, Chairman, and a significant shareholder of QuikTrip Corporation.

Cavanal Hill Investment Management, Inc., a wholly-owned subsidiary of BOKF, NA, is the administrator to and investment advisor for the Cavanal Hill Funds, a diversified, open-ended investment company established as a business trust under the Investment Company Act of 1940. BOKF, NA is custodian and Cavanal Hill Distributors, Inc. is distributor for the Cavanal Hill Funds. The Cavanal Hill Funds' products are offered to customers, employee benefit plans, trusts, and the general public in the ordinary course of business. Approximately 81% of the Cavanal Hill Funds’ assets of $5.9 billion are held for the Company's clients. A Company executive officer serves on the Cavanal Hill Funds' board of trustees, and officers of BOKF, NA serve as president and secretary of the funds. A majority of the members of the Cavanal Hill Funds’ board of trustees are, however, independent of the Company and the Cavanal Hill Funds are managed by its board of trustees.
v3.25.4
Commitments and Contingent Liabilities
 12 Months Ended
Dec. 31, 2025
Commitments and Contingencies Disclosure [Abstract]  
Commitments and Contingent Liabilities [Text Block] Commitments and Contingent Liabilities
Litigation Contingencies

As a member of Visa, BOK Financial is obligated for a proportionate share of certain covered litigation losses incurred by Visa under a retrospective responsibility plan. A contingent liability was recognized for the Company’s share of Visa’s covered litigation liabilities. Visa funded an escrow account to cover litigation claims, including covered litigation losses under the retrospective responsibility plan, with proceeds from its initial public offering in 2008 and from available cash.
BOK Financial currently owns 126,116 Visa Class B-2 shares (formerly Class B-1) which are convertible into 190,536 shares of Visa Class A shares after the final settlement of all covered litigation. Class B-2 shares may be diluted in the future if the escrow fund is not adequate to cover future covered litigation costs. No value has been currently assigned to the Class B-2 shares.

On January 23, 2024, Visa, Inc. stockholders approved an exchange offer which provided holders of Class B-1 shares an option to convert up to 50% of its Class B-1 shares to Visa C shares and subsequently to freely transferable Visa A common shares subject to certain restrictions and holding period requirements (the "Exchange Offer").

As a condition of participating in the Exchange Offer, the Company entered into a Makewhole Agreement with Visa that provides for cash payments to Visa to the extent, if any, that future adjustments to the conversion ratio for the Visa Class B-2 common stock to Class A common stock cause such ratio to fall below zero. Currently, Visa Class B-2 common stock is convertible under certain circumstances into Visa’s publicly traded Class A common stock at a rate of 1.5108 shares of Class A common stock for each Visa B-2 share, subject to adjustment. Changes to the conversion ratio occur when Visa deposits funds to a litigation escrow fund established by Visa to pay settlements for certain covered litigation that pre-dated Visa’s initial public offering, for which Visa has been effectively indemnified by Visa USA members through reductions to the conversion ratio for its Class B-1 common stock. The purpose of the Makewhole Agreement is to preserve the economic benefit of these adjustments to the Class B-1 conversion ratio for the benefit of Visa’s Class A and Class C common stockholders following the exchange. As further described in Visa’s related Issuer Tender Offer Statement on Schedule TO and Prospectus, each dated April 8, 2024, publicly filed with the U. S. Securities and Exchange Commission, both the Makewhole Agreement and the related escrow fund and transfer restrictions on Visa’s Class B-1 common stock and the new Class B-2 common stock will terminate whenever the covered litigation is ultimately resolved, at which future date outstanding shares of Visa Class B-2 common stock will be convertible into shares of its Class A common stock at the then-applicable conversion ratio.

On June 24, 2015, BOKF, NA received a complaint that an employee had colluded with a bond issuer and an individual in misusing revenues pledged to municipal bonds for which BOKF, NA served as trustee under the bond indenture. The Company conducted an investigation and concluded that employees in one of its Corporate Trust offices had, with respect to a single group of affiliated bond issuances, violated Company policies and procedures. The relationship manager was terminated. The Company reported the circumstances to, and cooperated with an investigation by, the SEC. On September 7, 2016, BOKF, NA agreed to, and the SEC entered, a consent order finding that BOKF, NA had violated Section 17(a) of the Securities Act of 1933 and Section 10(b) of the Securities Exchange Act and required BOKF, NA to disgorge $1,067,721 of fees and pay a civil penalty of $600,000. BOKF, NA disgorged the fees and paid the penalty. On August 26, 2016, BOKF, NA was sued in the United States District Court for New Jersey by two bondholders in a putative class action alleging BOKF, NA participated in the fraudulent sale of securities by the principals. The action remains stayed with no current deadlines pending.

On December 28, 2015, in an action brought by the SEC, the New Jersey District Court entered a Consent Judgment against the principals involved in issuing the bonds. On January 8, 2020, the Court entered Final Judgment against the principal individual and his wife for $36,805,051 in principal amount and $10,937,831 in pre-judgment interest. The sale of all remaining collateral securing payment of the bonds has occurred and approximately $29 million remains outstanding. The SEC continues to aggressively pursue collection of the judgment. If the individual principal and his wife cannot pay the bonds, a bondholder loss could become probable. Management has been advised by counsel that BOKF, NA has valid defenses to claims of bondholders and that no loss to the Company is probable. No provision for losses has been made at this time.

In the ordinary course of business, BOK Financial and its subsidiaries are subject to legal actions and complaints. Management believes, based upon the opinion of counsel, that the actions and liability or loss, if any, resulting from the final outcomes of the proceedings will not have a material effect on the Company’s financial condition, results of operations, or cash flows.

Alternative Investment Commitments

The Company invests in several tax credit entities and other funds as permitted by banking regulations. Consolidation of these investments is based on the variable interest model.

At December 31, 2025, the Company had $421 million in interests in various alternative investments generally consisting of unconsolidated limited partnership interests in entities for which investment return is in the form of low income housing tax credits or other investments in merchant banking activities included in Other assets on the Consolidated Balance Sheets. The investment balance also includes $110 million in unfunded commitments included in Other liabilities on the Consolidated Balance Sheets. At December 31, 2024, the Company had $412 million in interests in various alternative investments and included $100 million in unfunded commitments in Other liabilities.
Other Commitments and Contingencies

Cavanal Hill Funds’ assets include U.S. Treasury and government securities money market funds. Assets of these funds consist of highly-rated, short-term obligations of the U.S. Treasury and government agencies. The net asset value of units in these funds was $1.00 at December 31, 2025. An investment in these funds is not insured by the FDIC or guaranteed by BOK Financial or any of its subsidiaries. BOK Financial may, but is not obligated to, purchase assets from these funds to maintain the net asset value at $1.00. No assets were purchased from the Cavanal Hill Funds in 2025 or 2024 in order to maintain the net asset value at $1.00.

The Federal Reserve Bank requires member banks to maintain certain minimum average cash balances. Member banks may satisfy reserve balance requirements through holdings of vault cash and balances maintained directly with a Federal Reserve Bank. The combined average balance of vault cash and balances held at the Federal Reserve Bank was $641 million for the year ended December 31, 2025, and $631 million for the year ended December 31, 2024.
v3.25.4
Shareholders' Equity
 12 Months Ended
Dec. 31, 2025
Stockholders' Equity Note [Abstract]  
Shareholders' Equity [Text Block] Shareholders' Equity
Preferred Stock
 
One billion shares of preferred stock with a par value of $0.00005 per share are authorized. The Series A Preferred Stock has no voting rights except as otherwise provided by Oklahoma corporate law and may be converted into one share of Common Stock for each 36 shares of Series A Preferred Stock at the option of the holder. Dividends are cumulative at an annual rate of ten percent of the $0.06 per share liquidation preference value when declared and are payable in cash. Aggregate liquidation preference is $15 million. No Series A Preferred Stock was outstanding in 2025, 2024, or 2023.
 
Common Stock
 
Common stock consists of 2.5 billion authorized shares with a $0.00006 par value. Holders of common shares are entitled to one vote per share at the election of the Board of Directors and on any question arising at any shareholders’ meeting and to receive dividends when and as declared. Additionally, regulations restrict the ability of national banks and bank holding companies to pay dividends.
 
Accelerated Share Repurchase Program

In the fourth quarter of 2025, the Company entered an ASR agreement to repurchase $250 million of its common stock. Upon execution, the Company received an initial delivery of 2,100,840 shares, which were recorded as treasury stock. The remaining portion of the ASR was accounted for as a forward contract classified in equity. The forward contract will be settled in accordance with the agreement and any additional shares or cash received or delivered at final settlement will be recorded as an adjustment to treasury stock or capital surplus. The reduction in outstanding shares was reflected in weighted‑average shares outstanding for basic and diluted EPS at the time of initial delivery.

Subsidiary Bank
 
The amounts of dividends that BOK Financial’s subsidiary bank can declare and the amounts of loans the subsidiary bank can extend to affiliates are limited by various federal banking regulations and state corporate law. Generally, dividends declared during a calendar year are limited to net profits, as defined, for the year plus retained profits for the preceding two years. Dividends are further restricted by minimum capital requirements. 

Regulatory Capital

BOK Financial and the subsidiary bank are subject to various capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and additional discretionary actions by regulators that could have a material effect on BOK Financial's operations. These capital requirements include quantitative measures of assets, liabilities, and certain off-balance sheet items. The capital standards are also subject to qualitative judgments by the regulators.
A bank falling below the minimum capital requirements, including the capital conservation buffer, would be subject to regulatory restrictions on capital distributions (including but not limited to dividends and share repurchases) and executive bonus payments. For a banking institution to qualify as well capitalized, Common Equity Tier 1, Tier 1, Total, and Leverage capital ratios must be at least 6.5%, 8%, 10%, and 5%, respectively. Tier 1 capital consists primarily of common stockholders' equity, excluding unrealized gains or losses on AFS securities, less goodwill, core deposit premiums, and certain other intangible assets. Total capital consists primarily of Tier 1 capital plus preferred stock, subordinated debt, and allowances for credit losses, subject to certain limitations. The subsidiary bank exceeded the regulatory definition of well capitalized as of December 31, 2025 and December 31, 2024.

A summary of regulatory capital minimum requirements and levels follows (dollars in thousands):
Minimum Capital RequirementCapital Conservation BufferMinimum Capital Requirement Including Capital Conservation BufferWell Capitalized Bank RequirementDecember 31, 2025December 31, 2024
Ratio
Ratio
Ratio
Ratio
Amount
Ratio
Amount
Ratio
Common Equity Tier 1 Capital (to Risk Weighted Assets):
Consolidated4.50%2.50%7.00%N/A$5,024,754 12.90 %$4,992,810 13.03 %
BOKF, NA4.50%N/A4.50%6.50%4,640,108 12.02 %4,615,811 12.23 %
Tier 1 Capital (to Risk Weighted Assets):
Consolidated6.00%2.50%8.50%N/A$5,026,789 12.90 %$4,995,414 13.04 %
BOKF, NA6.00%N/A6.00%8.00%4,640,108 12.02 %4,615,811 12.23 %
Total Capital (to Risk Weighted Assets):
  
Consolidated
8.00%2.50%10.50%N/A$5,753,645 14.77 %$5,445,399 14.21 %
BOKF, NA
8.00%N/A8.00%10.00%5,419,056 14.04 %4,999,728 13.25 %
Leverage (Tier 1 Capital to Average Assets):
Consolidated4.00%N/A4.00%N/A$5,026,789 9.86 %$4,995,414 9.97 %
BOKF, NA4.00%N/A4.00%5.00%4,640,108 9.14 %4,615,811 9.26 %
Accumulated Other Comprehensive Income (Loss)

AOCI includes unrealized gains and losses on AFS securities. AOCI also includes unrealized losses on AFS securities that were transferred from AFS to investment securities in the second quarter of 2022. Such amounts are being amortized over the estimated remaining life of the security as an adjustment to yield, offsetting the related amortization of premium on the transferred securities. Gains and losses in AOCI are net of deferred income taxes.

A rollforward of the components of accumulated other comprehensive income (loss) is included as follows (in thousands):
Unrealized Gain (Loss) on
Available-for-Sale SecuritiesInvestment Securities Transferred from AFSTotal
Balance, December 31, 2022$(664,618)$(172,337)$(836,955)
Net change in unrealized gain (loss)218,293 — 218,293 
Reclassification adjustments included in earnings:
Interest revenue, Investment securities— 60,394 60,394 
Loss on available-for-sale securities, net30,636 — 30,636 
Other comprehensive income (loss), before income taxes
248,929 60,394 309,323 
Federal and state income tax57,523 13,945 71,468 
Other comprehensive income (loss), net of income taxes191,406 46,449 237,855 
Balance, December 31, 2023(473,212)(125,888)(599,100)
Net change in unrealized gain (loss)
33,461 — 33,461 
Reclassification adjustments included in earnings:
Interest revenue, Investment securities— 46,020 46,020 
Loss on available-for-sale securities, net45,828 — 45,828 
Other comprehensive income (loss), before income taxes
79,289 46,020 125,309 
Federal and state income tax18,425 10,824 29,249 
Other comprehensive income (loss), net of income taxes60,864 35,196 96,060 
Balance, December 31, 2024(412,348)(90,692)(503,040)
Net change in unrealized gain (loss)
406,730 — 406,730 
Reclassification adjustments included in earnings:
Interest revenue, Investment securities— 35,300 35,300 
Gain on available-for-sale securities, net
(1,961)— (1,961)
Other comprehensive income (loss), before income taxes
404,769 35,300 440,069 
Federal and state income tax94,990 8,209 103,199 
Other comprehensive income (loss), net of income taxes309,779 27,091 336,870 
Balance, December 31, 2025$(102,569)$(63,601)$(166,170)
v3.25.4
Earnings Per Share
 12 Months Ended
Dec. 31, 2025
Earnings Per Share [Abstract]  
Earnings Per Share [Text Block] Earnings Per Share
The following table presents the computation of basic and diluted earnings per share (dollars in thousands, except per share data):
Year Ended
202520242023
Numerator:  
Net income attributable to BOK Financial Corp. shareholders$577,990 $523,569 $530,746 
Less: Earnings allocated to participating securities4,009 4,991 4,253 
Income available to common shareholders - basic and diluted$573,981 $518,578 $526,493 
Denominator:
Weighted average shares outstanding - basic and diluted62,622,386 63,745,088 65,651,569 
Basic and diluted earnings per share$9.17 $8.14 $8.02 
v3.25.4
Reportable Segments
 12 Months Ended
Dec. 31, 2025
Segment Reporting [Abstract]  
Reportable Segments [Text Block] Reportable Segments
BOK Financial operates three principal segments: Commercial Banking, Consumer Banking, and Wealth Management, with the remaining operations recorded in Funds Management and Other. Segments are determined based on BOK Financial's organizational structure and services provided. Commercial Banking includes lending, treasury and cash management services, and customer risk management products for small businesses, middle market, and larger commercial customers. Commercial Banking also includes the TransFund EFT network. Consumer Banking includes retail lending and deposit services, lending and deposit services to small business customers served through the consumer branch network, and all mortgage loan origination and servicing activities. Wealth Management engages in brokerage and trading activities mainly related to providing liquidity to the mortgage markets through trading of U.S. government agency mortgage-backed securities and related derivative contracts. Wealth Management also provides fiduciary services, private bank services, and investment advisory services in all markets. Insurance services were provided through November 30, 2023 when BOKF Insurance was sold. Additionally, Wealth Management underwrites state and municipal securities.

In addition to its operating segments, BOK Financial has a Funds Management unit. The primary purpose of this unit is to manage overall liquidity needs and interest rate risk. Each segment borrows funds from and provides funds to the Funds Management unit as needed to support their operations. Operating results for Funds Management and Other include the effect of interest rate risk positions and risk management activities, securities gains and losses including impairment charges, the provision for credit losses in excess of net loans charged off, tax planning strategies including the elimination of tax effected activity, and certain executive compensation costs that are not attributed to the segments. 

The CODM for BOK Financial is the Chief Executive Officer. The CODM evaluates the performance of our segments using net income before taxes, which includes the allocation of funds and capital costs and certain indirect allocations. Segment results are tax effected to present revenue from non-taxable activities as if it had been taxable. Additionally, the CODM primarily relies on the spread between interest revenue and interest expense to assess performance and to make resource allocation decisions where the majority of the segment's revenues are from interest. Therefore, interest revenue is presented net of interest expense. The CODM also reviews budget to actual variances monthly when making decisions about the allocation of operating and capital resources to each segment. Credit costs are attributed to the segments based on net loans charged off or recovered. Modifications of management structure or allocation methodologies may result in changes to previously reported segment data; prior periods have been restated on a comparable basis.

The cost of funds borrowed from the Funds Management unit by the operating segments is transfer priced at rates that approximate market rates for funds with similar duration. Market rates are generally based on the applicable wholesale borrowing rates or interest rate swap rates adjusted for prepayment risk. This method of transfer pricing funds that support assets of the operating segments tends to insulate them from interest rate risk.
The value of funds provided by the segments to the Funds Management unit is based on rates which approximate the wholesale market rates for funds with similar duration and repricing characteristics. Market rates are generally based on a proxy of wholesale borrowing rates or interest rate swap rates. The funds credit formula applied to deposit products with indeterminate maturities is established based on their repricing characteristics reflected in a combination of the short-term wholesale funding rate and a moving average of an intermediate term swap rate, with an appropriate spread applied to both. Shorter duration products are weighted towards the short-term wholesale funding rates and longer duration products are weighted towards intermediate swap rates. The expected duration ranges from 30 days for certain rate sensitive deposits to five years.

Substantially all revenue is from domestic customers. No single external customer accounts for more than 10% of total revenue for the years ended December 31, 2025, 2024, and 2023.

Net loans charged off and provision for credit losses represents net loans charged off or recovered as attributed to the segments. The provision for credit losses in excess of net charge-offs or recoveries is attributed to Funds Management and Other.

Non-personnel expense includes other segment items comprised of business promotion, charitable contributions to BOKF Foundation, professional fees and services, net occupancy and equipment, FDIC and other insurance, data processing and communications, printing, postage, and supplies, amortization of intangible assets, mortgage banking costs, and other miscellaneous expenses. Corporate allocations include centrally managed operational and administrative expenses that are allocated to segments.

Reportable segments reconciliation to the Consolidated Financial Statements for the year ended December 31, 2025 is as follows (in thousands):
 CommercialConsumerWealth
Management		Segment TotalFunds Management and Other
BOK
Financial
Corporation
Net interest income from external sources$948,465 $55,150 $69,781 $1,073,396 $253,948 $1,327,344 
Net interest income (expense) from internal sources(234,944)175,830 107,252 48,138 (48,138)— 
Net interest income713,521 230,980 177,033 1,121,534 205,810 1,327,344 
Net loans charged off and provision for credit losses3,715 4,892 (25)8,582 (6,582)2,000 
Net interest income after provision for credit losses709,806 226,088 177,058 1,112,952 212,392 1,325,344 
Other operating revenue
269,195 149,938 427,612 846,745 1,385 848,130 
Personnel expense204,213 102,226 280,614 587,053 290,916 877,969 
Non-personnel expense
120,476 139,296 112,629 372,401 182,486 554,887 
Total other operating expense324,689 241,522 393,243 959,454 473,402 1,432,856 
Corporate allocations
70,106 58,092 58,657 186,855 (186,855)— 
Net income before taxes$584,206 $76,412 $152,770 $813,388 $(72,770)$740,618 
Average assets$21,616,765 $8,321,005 $11,369,530 41,307,300 $10,399,606 $51,706,906 
Reportable segments reconciliation to the Consolidated Financial Statements for the year ended December 31, 2024 is as follows (in thousands):
 CommercialConsumerWealth
Management		Segment TotalFunds Management and Other
BOK
Financial
Corporation
Net interest income from external sources$1,078,190 $25,946 $11,266 $1,115,402 $95,356 $1,210,758 
Net interest income (expense) from internal sources(263,094)234,101 117,962 88,969 (88,969)— 
Net interest income815,096 260,047 129,228 1,204,371 6,387 1,210,758 
Net loans charged off and provision for credit losses8,850 5,827 (184)14,493 3,507 18,000 
Net interest income after provision for credit losses806,246 254,220 129,412 1,189,878 2,880 1,192,758 
Other operating revenue
222,584 140,005 462,679 825,268 14,373 839,641 
Personnel expense191,398 98,667 263,686 553,751 257,488 811,239 
Non-personnel expense
117,216 127,597 114,551 359,364 195,152 554,516 
Total other operating expense308,614 226,264 378,237 913,115 452,640 1,365,755 
Corporate allocations
68,970 55,737 57,073 181,780 (181,780)— 
Net income before taxes$651,246 $112,224 $156,781 $920,251 $(253,607)$666,644 
Average assets$21,751,103 $8,112,293 $10,772,189 40,635,585 $10,113,913 $50,749,498 


Reportable segments reconciliation to the Consolidated Financial Statements for the year ended December 31, 2023 is as follows (in thousands):
 CommercialConsumerWealth
Management		Segment TotalFunds Management and Other
BOK
Financial
Corporation
Net interest income from external sources$1,178,506 $59,962 $30,020 $1,268,488 $3,692 $1,272,180 
Net interest income (expense) from internal sources(305,107)207,058 88,998 (9,051)9,051 — 
Net interest income873,399 267,020 119,018 1,259,437 12,743 1,272,180 
Net loans charged off and provision for credit losses13,967 5,157 (50)19,074 26,926 46,000 
Net interest income after provision for credit losses859,432 261,863 119,068 1,240,363 (14,183)1,226,180 
Other operating revenue
247,001 105,793 506,447 859,241 (69,292)789,949 
Personnel expense193,455 89,472 250,671 533,598 233,012 766,610 
Non-personnel expense
124,926 122,642 100,796 348,364 217,907 566,271 
Total other operating expense318,381 212,114 351,467 881,962 450,919 1,332,881 
Corporate allocations
75,037 48,565 54,401 178,003 (178,003)— 
Net income before taxes$713,015 $106,977 $219,647 $1,039,639 $(356,391)$683,248 
Average assets$21,003,551 $8,040,602 $9,883,180 $38,927,333 $9,316,821 $48,244,154 
v3.25.4
Fees and Commission Revenue (Notes)
 12 Months Ended
Dec. 31, 2024
Revenue from Contract with Customer [Abstract]  
Fees and Commissions Revenue [Text Block] Fees and Commissions Revenue
Fees and commissions revenue by reportable segment and primary service line is as follows for the year ended December 31, 2025 (in thousands):
CommercialConsumerWealth ManagementFunds Management and Other
BOK Financial Corporation
Out of Scope1
In Scope2
Trading revenue$— $— $58,966 $— $58,966 $58,966 $— 
Customer hedging revenue
14,519 — 12,335 1,432 28,286 28,286 — 
Retail brokerage revenue
— — 21,434 — 21,434 — 21,434 
Investment banking revenue
19,496 — 31,560 — 51,056 18,947 32,109 
Brokerage and trading revenue
34,015 — 124,295 1,432 159,742 106,199 53,543 
TransFund EFT network revenue94,703 3,082 (69)6 97,722 — 97,722 
Merchant services revenue9,775 31 — — 9,806 — 9,806 
Corporate card revenue8,417 — 1,355 380 10,152 — 10,152 
Transaction card revenue112,895 3,113 1,286 386 117,680 — 117,680 
Personal trust revenue— — 111,364 — 111,364 — 111,364 
Corporate trust revenue— — 45,518 — 45,518 — 45,518 
Institutional trust & retirement plan services revenue
— — 75,309 — 75,309 — 75,309 
Investment management services and other
— — 24,970 — 24,970 — 24,970 
Fiduciary and asset management revenue— — 257,161 — 257,161 — 257,161 
Commercial account service charge revenue
68,210 2,298 2,533 4 73,045 — 73,045 
Overdraft fee revenue121 22,574 189 (9)22,875 — 22,875 
Check card revenue
— 23,764 — — 23,764 — 23,764 
Automated service charge and other deposit fee revenue
1,007 4,562 278 (2)5,845 — 5,845 
Deposit service charges and fees
69,338 53,198 3,000 (7)125,529 — 125,529 
Mortgage production revenue— 8,669 — — 8,669 8,669 — 
Mortgage servicing revenue— 72,529 — (3,613)68,916 68,916 — 
Mortgage banking revenue— 81,198 — (3,613)77,585 77,585 — 
Other revenue16,724 11,744 41,870 (7,295)63,043 35,256 27,787 
Total fees and commissions revenue
$232,972 $149,253 $427,612 $(9,097)$800,740 $219,040 $581,700 
1     Out of scope revenue generally relates to financial instruments or contractual rights and obligations within the scope of other applicable accounting guidance.
2    In scope revenue represents revenue subject to FASB ASC Topic 606, Revenue from Contracts with Customers.
Fees and commissions revenue by reportable segment and primary service line is as follows for the year ended December 31, 2024 (in thousands):
CommercialConsumerWealth ManagementFunds Management and Other
BOK Financial Corporation
Out of Scope1
In Scope2
Trading revenue$— $— $121,854 $— $121,854 $121,854 $— 
Customer hedging revenue
14,795 — 11,169 1,774 27,738 27,738 — 
Retail brokerage revenue
— — 19,428 — 19,428 — 19,428 
Investment banking revenue
17,314 — 31,758 — 49,072 15,681 33,391 
Brokerage and trading revenue
32,109 — 184,209 1,774 218,092 165,273 52,819 
TransFund EFT network revenue88,089 3,104 (77)6 91,122 — 91,122 
Merchant services revenue9,371 32 — — 9,403 — 9,403 
Corporate card revenue7,366 — 615 359 8,340 — 8,340 
Transaction card revenue104,826 3,136 538 365 108,865 — 108,865 
Personal trust revenue— — 102,689 — 102,689 — 102,689 
Corporate trust revenue— — 37,524 — 37,524 — 37,524 
Institutional trust & retirement plan services revenue
— — 67,175 — 67,175 — 67,175 
Investment management services and other
— — 23,472 — 23,472 — 23,472 
Fiduciary and asset management revenue
— — 230,860 — 230,860 — 230,860 
Commercial account service charge revenue
61,818 2,185 2,299 — 66,302 — 66,302 
Overdraft fee revenue121 22,081 143 5 22,350 — 22,350 
Check card revenue
— 23,949 — — 23,949 — 23,949 
Automated service charge and other deposit fee revenue
1,058 4,783 306 (3)6,144 — 6,144 
Deposit service charges and fees
62,997 52,998 2,748 2 118,745 — 118,745 
Mortgage production revenue— 8,739 — — 8,739 8,739 — 
Mortgage servicing revenue— 68,340 — (2,972)65,368 65,368 — 
Mortgage banking revenue— 77,079 — (2,972)74,107 74,107 — 
Other revenue16,858 11,905 44,324 (13,733)59,354 35,686 23,668 
Total fees and commissions revenue
$216,790 $145,118 $462,679 $(14,564)$810,023 $275,066 $534,957 
1     Out of scope revenue generally relates to financial instruments or contractual rights and obligations within the scope of other applicable accounting guidance.
2    In scope revenue represents revenue subject to FASB ASC Topic 606, Revenue from Contracts with Customers.
Fees and commissions revenue by reportable segment and primary service line is as follows for the year ended December 31, 2023 (in thousands):
CommercialConsumerWealth ManagementFunds Management and Other
BOK Financial Corporation
Out of Scope1
In Scope2
Trading revenue$— $— $134,511 $— $134,511 $134,511 $— 
Customer hedging revenue
33,307 — (102)3,317 36,522 36,522 — 
Retail brokerage revenue
— — 15,908 — 15,908 — 15,908 
Insurance brokerage revenue
— — 10,679 — 10,679 — 10,679 
Investment banking revenue
17,079 — 25,911 — 42,990 15,525 27,465 
Brokerage and trading revenue
50,386 — 186,907 3,317 240,610 186,558 54,052 
TransFund EFT network revenue86,046 3,513 (69)6 89,496 — 89,496 
Merchant services revenue9,172 34 — — 9,206 — 9,206 
Corporate card revenue7,014 — 713 429 8,156 — 8,156 
Transaction card revenue102,232 3,547 644 435 106,858 — 106,858 
Personal trust revenue— — 95,070 — 95,070 — 95,070 
Corporate trust revenue— — 31,228 — 31,228 — 31,228 
Institutional trust & retirement plan services revenue
— — 58,692 — 58,692 — 58,692 
Investment management services and other
— — 22,349 (21)22,328 — 22,328 
Fiduciary and asset management revenue
— — 207,339 (21)207,318 — 207,318 
Commercial account service charge revenue
53,670 2,070 1,969 — 57,709 — 57,709 
Overdraft fee revenue109 20,753 139 3 21,004 — 21,004 
Check card revenue
— 23,463 — — 23,463 — 23,463 
Automated service charge and other deposit fee revenue
1,056 5,076 206 — 6,338 — 6,338 
Deposit service charges and fees
54,835 51,362 2,314 3 108,514 — 108,514 
Mortgage production revenue— (5,339)— — (5,339)(5,339)— 
Mortgage servicing revenue— 63,431 — (2,394)61,037 61,037 — 
Mortgage banking revenue— 58,092 — (2,394)55,698 55,698 — 
Other revenue26,881 10,731 78,243 (53,735)62,120 34,282 27,838 
Total fees and commissions revenue
$234,334 $123,732 $475,447 $(52,395)$781,118 $276,538 $504,580 
1     Out of scope revenue generally relates to financial instruments or contractual rights and obligations within the scope of other applicable accounting guidance.
2    In scope revenue represents revenue subject to FASB ASC Topic 606, Revenue from Contracts with Customers.
v3.25.4
Fair Value Measurements
 12 Months Ended
Dec. 31, 2025
Fair Value Disclosures [Abstract]  
Fair Value Measurements [Text Block] Fair Value Measurements
Fair value is defined by applicable accounting guidance as the price to sell an asset or transfer a liability in an orderly transaction between market participants in the principal market for the given asset or liability at the measurement date based on market conditions at that date. An orderly transaction assumes exposure to the market for a customary period for marketing activities prior to the measurement date and not a forced liquidation or distressed sale. Certain assets and liabilities are recorded in the Company’s financial statements at fair value. Some are recorded on a recurring basis and some on a non-recurring basis.

For some assets and liabilities, observable market transactions and market information might be available. For other assets and liabilities, observable market transactions and market information might not be available. A hierarchy for fair value has been established which categorizes into three levels the inputs to valuation techniques used to measure fair value. The three levels are as follows:

Quoted Prices in Active Markets for Identical Assets or Liabilities (Level 1) - fair value is based on unadjusted quoted prices in active markets for identical assets or liabilities.

Significant Other Observable Inputs (Level 2) - fair value is based on significant other observable inputs which are generally determined based on a single price for each financial instrument provided to us by an applicable third-party pricing service and is based on one or more of the following:

•quoted prices for similar, but not identical, assets or liabilities in active markets;
•quoted prices for identical or similar assets or liabilities in inactive markets;
•inputs other than quoted prices that are observable, such as interest rate and yield curves, volatilities, prepayment speeds, loss severities, credit risks, and default rates;
•other inputs derived from or corroborated by observable market inputs.

Significant Unobservable Inputs (Level 3) - fair value is based upon model-based valuation techniques for which at least one significant assumption is not observable in the market.

Transfers between levels are recognized as of the end of the reporting period. There were no transfers in or out of quoted prices in active markets for identical instruments to significant other observable inputs or significant unobservable inputs during the years ended December 31, 2025 and 2024, respectively. Transfers between significant other observable inputs and significant unobservable inputs during the years ended December 31, 2025 and 2024 were immaterial.

The underlying methods used by the third-party pricing services are considered in determining the primary inputs used to determine fair values. Management has evaluated the methodologies employed by the third-party pricing services by comparing the price provided by the pricing service with other sources, including brokers' quotes, sales or purchases of similar instruments, and discounted cash flows to establish a basis for reliance on the pricing service values. Significant differences between the pricing service provided value and other sources are discussed with the pricing service to understand the basis for their values. Based on all observable inputs, management may adjust prices obtained from third-party pricing services to more appropriately reflect the prices that would be received to sell assets or paid to transfer liabilities in orderly transactions in the current market. No significant adjustments were made to prices provided by third-party pricing services at December 31, 2025 and 2024.
Assets and Liabilities Measured at Fair Value on a Recurring Basis

The fair value of financial assets and liabilities that are measured on a recurring basis is as follows as of December 31, 2025 (in thousands):
 TotalQuoted Prices in Active Markets for Identical InstrumentsSignificant Other Observable InputsSignificant Unobservable Inputs
Assets:    
Trading securities:
U.S. government securities$9,237 $— $9,237 $— 
Residential agency mortgage-backed securities5,307,849 — 5,307,849 — 
Municipal securities39,233 — 39,233 — 
Other trading securities36,426 — 36,426 — 
Total trading securities5,392,745 — 5,392,745 — 
Available-for-sale securities:    
U.S. Treasury securities
980 980 — — 
Municipal securities184,273 — 184,273 — 
Residential agency mortgage-backed securities9,598,627 — 9,598,627 — 
Residential non-agency mortgage-backed securities696,028 — 696,028 — 
Commercial agency mortgage-backed securities3,126,244 — 3,126,244 — 
Other debt securities473 — — 473 
Total available-for-sale securities13,606,625 980 13,605,172 473 
Fair value option securities — Residential agency mortgage-backed securities102,096 — 102,096 — 
Residential mortgage loans held for sale1
94,630 — 88,335 6,295 
Mortgage servicing rights, net2
322,724 — — 322,724 
Derivative contracts, net of cash margin3
300,775 1,022 299,753 — 
Liabilities: 
Derivative contracts, net of cash margin3
397,573 12 397,561 — 
1Residential mortgage loans held for sale measured at fair value on a recurring basis using significant unobservable inputs (Level 3) consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards and are valued at 82.84% of the unpaid principal balance.
2A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 7, "Mortgage Banking Activities".
3See Note 3 for detail of fair value of derivative contracts by contract type. Derivative contracts in asset and liability positions that were valued based on quoted prices in active markets for identical instruments (Level 1) are primarily exchange-traded interest rate derivative contracts held for trading and internal risk management purposes.
The fair value of financial assets and liabilities that are measured on a recurring basis is as follows as of December 31, 2024 (in thousands):
 TotalQuoted Prices in Active Markets for Identical InstrumentsSignificant Other Observable InputsSignificant Unobservable Inputs
Assets:    
Trading securities:
U.S. government securities$21,275 $1,494 $19,781 $— 
Residential agency mortgage-backed securities4,792,695 — 4,792,695 — 
Municipal securities62,230 — 62,230 — 
Other trading securities22,890 — 22,890 — 
Total trading securities4,899,090 1,494 4,897,596 — 
Available-for-sale securities:    
U.S. Treasury securities
945 945 — — 
Municipal securities225,568 — 225,568 — 
Residential agency mortgage-backed securities8,639,389 — 8,639,389 — 
Residential non-agency mortgage-backed securities781,209 — 781,209 — 
Commercial agency mortgage-backed securities3,204,016 — 3,204,016 — 
Other debt securities473 — — 473 
Total available-for-sale securities12,851,600 945 12,850,182 473 
Fair value option securities — Residential agency mortgage-backed securities17,876 — 17,876 — 
Residential mortgage loans held for sale1
77,561 — 70,564 6,997 
Mortgage servicing rights, net2
338,145 — — 338,145 
Derivative contracts, net of cash margin3
242,809 656 242,153 — 
Liabilities: 
Derivative contracts, net of cash margin3
237,582 3,391 234,191 — 
1Residential mortgage loans held for sale measured at fair value on a recurring basis using significant unobservable inputs (Level 3) consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards and are valued at 81.11% of the unpaid principal balance.
2A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 7, "Mortgage Banking Activities".
3See Note 3 for detail of fair value of derivative contracts by contract type. Derivative contracts in asset and liability positions that were valued based on quoted prices in active markets for identical instruments (Level 1) are primarily exchange-traded interest rate derivative contracts held for trading and internal risk management purposes.
Following is a description of the Company's valuation methodologies used for assets and liabilities measured on a recurring basis:
Securities
The fair values of trading, AFS, and fair value option securities are based on quoted prices for identical instruments in active markets, when available. If quoted prices for identical instruments are not available, fair values are based on significant other observable inputs such as quoted prices of comparable instruments or interest rates and credit spreads, yield curves, volatilities, prepayment speeds, and loss severities.

The fair value of certain AFS and held-to-maturity municipal and other debt securities may be based on significant unobservable inputs. These significant unobservable inputs include limited observed trades, projected cash flows, current credit rating of the issuers and, when applicable, the insurers of the debt and observed trades of similar debt. Discount rates are primarily based on reference to interest rate spreads on comparable securities of similar duration and credit rating as determined by the nationally-recognized rating agencies adjusted for a lack of trading volume. Significant unobservable inputs are developed by investment securities professionals involved in the active trading of similar securities. A summary of significant inputs used to value these securities follows. A management committee composed of senior members from the Company's Corporate Treasury, Risk Management, and Finance departments assess the appropriateness of these inputs quarterly.

Derivatives

All derivative instruments are carried on the balance sheet at fair value. Fair values for exchange-traded contracts are based on quoted prices. Fair values for over-the-counter interest rate, commodity, and foreign exchange contracts are based on valuations provided either by third-party dealers in the contracts, quotes provided by independent pricing services, or a third-party provided pricing model that uses significant other observable market inputs.

Credit risk is considered in determining the fair value of derivative instruments. Management determines fair value adjustments based on various risk factors including but not limited to counterparty credit rating or equivalent loan grading, derivative contract notional size, price volatility of the underlying commodity, duration of the derivative contracts and expected loss severity. Expected loss severity is based on historical losses for similarly risk graded commercial loan customers. Decreases in counterparty credit rating or grading and increases in price volatility and expected loss severity all tend to increase the credit quality adjustment which reduces the fair value of asset contracts.

We also consider our own credit risk in determining the fair value of derivative contracts. Changes in our credit rating could affect the fair value of our derivative liabilities. In the event of a credit downgrade, the fair value of our derivative liabilities could increase.
Residential Mortgage Loans Held for Sale
Residential mortgage loans held for sale are carried on the balance sheet at fair value. The fair values of conforming residential mortgage loans held for sale are based upon quoted market prices of such loans sold in securitization transactions, including related unfunded loan commitments. The fair value of mortgage loans that are unable to be sold to U.S. government agencies is determined using quoted prices of loans that are sold in securitization transactions with a liquidity discount applied.
Fair Value of Assets and Liabilities Measured on a Non-Recurring Basis

Assets measured at fair value on a non-recurring basis include collateral for certain nonaccruing loans and real property and other assets acquired to satisfy loans, which are based primarily on comparisons to completed sales of similar assets.

The following represents the carrying value of assets measured at fair value on a non-recurring basis and related losses recorded during the year. The carrying value represents only those assets at the balance sheet date for which the fair value was adjusted during the year:
 Carrying Value at December 31, 2025Fair Value Adjustments for the Year Ended December 31, 2025 Recognized In:
 Quoted Prices
in Active Markets for Identical Instruments		Significant
Other
Observable
Inputs		Significant
Unobservable
Inputs		Gross charge-offs against allowance for loan lossesOther gains (losses), net
Nonaccruing loans$— $381 $4,802 $3,702 $— 
 
 Carrying Value at December 31, 2024Fair Value Adjustments for the Year Ended December 31, 2024 Recognized In:
 Quoted Prices
in Active Markets for Identical Instruments		Significant
Other
Observable
Inputs		Significant
Unobservable
Inputs		Gross charge-offs against allowance for loan lossesOther gains (losses), net
Nonaccruing loans$— $683 $5,100 $6,788 $— 
Real estate and other repossessed assets— 1,961 — — (183)

The fair value of collateral-dependent nonaccruing loans and real estate and other repossessed assets and the related fair value adjustments are generally based on unadjusted third-party appraisals. Our appraisal review policies require appraised values to be supported by observed inputs derived principally from or corroborated by observable market data. Appraisals that are not based on observable inputs or that require significant adjustments or fair value measurements that are not based on third-party appraisals are considered to be based on significant unobservable inputs. Non-recurring fair value measurements of collateral-dependent nonaccruing loans and real estate and other repossessed assets based on significant unobservable inputs are generally due to estimates of current fair values between appraisal dates. Significant unobservable inputs include listing prices for comparable assets, uncorroborated expert opinions, or management's knowledge of the collateral or industry. Non-recurring fair value measurements of collateral-dependent loans secured by mineral rights are generally determined by our internal staff of engineers on projected cash flows under current market conditions and are based on significant unobservable inputs. Projected cash flows are discounted according to risk characteristics of the underlying oil and gas properties. Assets are evaluated to demonstrate with reasonable certainty that crude oil, natural gas, and natural gas liquids can be recovered from known oil and gas reservoirs under existing economic and operating conditions at current prices with existing conventional equipment, operating methods, and costs. Significant unobservable inputs are developed by asset management and workout professionals and approved by senior Credit Administration executives.
A summary of quantitative information about Non-recurring Fair Value Measurements based on Significant Unobservable Inputs (Level 3) as of December 31, 2025 follows (dollars in thousands):
Quantitative Information about Level 3 Non-recurring Fair Value Measurements
Fair ValueValuation Technique(s)Significant Unobservable InputRange
(Weighted Average)
Nonaccruing loans$4,802 
Discounted cash flows
Management knowledge of industry and non-real estate collateral
21% - 61% (57%)1
1    Represents fair value as a percentage of the unpaid principal balance.


A summary of quantitative information about Non-recurring Fair Value Measurements based on Significant Unobservable Inputs (Level 3) as of December 31, 2024 follows (dollars in thousands):
Quantitative Information about Level 3 Non-recurring Fair Value Measurements
Fair ValueValuation Technique(s)Significant Unobservable InputRange
(Weighted Average)
Nonaccruing loans$5,100 Appraised value, as adjusted
Broker quotes and management's knowledge of industry and collateral
36% - 36% (36%)1
1    Represents fair value as a percentage of the unpaid principal balance.
Fair Value of Financial Instruments

The following table presents the carrying values and estimated fair values of all financial instruments, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or are measured at fair value on a non-recurring basis (dollars in thousands):
December 31, 2025
Carrying
Value		Estimated Fair ValueQuoted Prices in Active Markets for Identical Instruments (Level 1)Significant Other Observable Inputs (Level 2)
Significant Unobservable Inputs
(Level 3)
Cash and due from banks$1,001,107 $1,001,107 $1,001,107 $— $— 
Interest-bearing cash and cash equivalents656,995 656,995 656,995 — — 
Trading securities:
U.S. government securities9,237 9,237 — 9,237 — 
Residential agency mortgage-backed securities
5,307,849 5,307,849 — 5,307,849 — 
Municipal securities39,233 39,233 — 39,233 — 
Other trading securities36,426 36,426 — 36,426 — 
Total trading securities5,392,745 5,392,745 — 5,392,745 — 
Investment securities:   
Municipal securities88,215 89,343 — 11,204 78,139 
Residential agency mortgage-backed securities
1,664,175 1,541,608 — 1,541,608 — 
Commercial agency mortgage-backed securities
16,516 16,186 — 16,186 — 
Other debt securities15,538 14,868 — 14,868 — 
Total investment securities1,784,444 1,662,005 — 1,583,866 78,139 
Allowance for credit losses(202)— — — — 
Investment securities, net of allowance1,784,242 1,662,005 — 1,583,866 78,139 
Available-for-sale securities:   
U.S. Treasury securities
980 980 980 — — 
Municipal securities184,273 184,273 — 184,273 — 
Residential agency mortgage-backed securities
9,598,627 9,598,627 — 9,598,627 — 
Residential non-agency mortgage-backed securities
696,028 696,028 — 696,028 — 
Commercial agency mortgage-backed securities
3,126,244 3,126,244 — 3,126,244 — 
Other debt securities473 473 — — 473 
Total available-for-sale securities13,606,625 13,606,625 980 13,605,172 473 
Fair value option securities - Residential agency mortgage-backed securities
102,096 102,096 — 102,096 — 
Residential mortgage loans held for sale94,630 94,630 — 88,335 6,295 
Loans:  
Commercial15,281,067 15,223,531 — — 15,223,531 
Commercial real estate5,672,006 5,597,767 — — 5,597,767 
Loans to individuals4,698,389 4,565,165 — — 4,565,165 
Total loans25,651,462 25,386,463 — — 25,386,463 
Allowance for loan losses(275,860)— — — — 
Loans, net of allowance25,375,602 25,386,463 — — 25,386,463 
Mortgage servicing rights322,724 322,724 — — 322,724 
Derivative instruments with positive fair value, net of cash margin
300,775 300,775 1,022 299,753 — 
Deposits with no stated maturity35,795,923 35,795,923 — — 35,795,923 
Time deposits3,639,083 3,629,060 — — 3,629,060 
Other borrowed funds4,237,655 4,237,752 — — 4,237,752 
Subordinated debentures396,589 395,323 — 395,323 — 
Derivative instruments with negative fair value, net of cash margin
397,573 397,573 12 397,561 — 
December 31, 2024
Carrying
Value		Estimated Fair ValueQuoted Prices in Active Markets for Identical Instruments (Level 1)Significant Other Observable Inputs (Level 2)
Significant Unobservable Inputs
(Level 3)
Cash and due from banks$1,043,969 $1,043,969 $1,043,969 $— $— 
Interest-bearing cash and cash equivalents390,732 390,732 390,732 — — 
Trading securities:
U.S. government securities21,275 21,275 1,494 19,781 — 
Residential agency mortgage-backed securities
4,792,695 4,792,695 — 4,792,695 — 
Municipal securities62,230 62,230 — 62,230 — 
Other trading securities22,890 22,890 — 22,890 — 
Total trading securities4,899,090 4,899,090 1,494 4,897,596 — 
Investment securities:   
Municipal securities104,467 106,489 — 11,674 94,815 
Residential agency mortgage-backed securities
1,880,473 1,680,800 — 1,680,800 — 
Commercial agency mortgage-backed securities16,220 15,357 — 15,357 — 
Other debt securities16,288 15,283 — 15,283 — 
Total investment securities2,017,448 1,817,929 — 1,723,114 94,815 
Allowance for credit losses(223)— — — — 
Investment securities, net of allowance2,017,225 1,817,929 — 1,723,114 94,815 
Available-for-sale securities:   
U.S. Treasury securities945 945 945 — — 
Municipal securities225,568 225,568 — 225,568 — 
Residential agency mortgage-backed securities
8,639,389 8,639,389 — 8,639,389 — 
Residential non-agency mortgage-backed securities
781,209 781,209 — 781,209 — 
Commercial agency mortgage-backed securities
3,204,016 3,204,016 — 3,204,016 — 
Other debt securities473 473 — — 473 
Total available-for-sale securities12,851,600 12,851,600 945 12,850,182 473 
Fair value option securities - Residential agency mortgage-backed securities
17,876 17,876 — 17,876 — 
Residential mortgage loans held for sale77,561 77,561 — 70,564 6,997 
Loans:
Commercial15,030,136 14,903,851 — — 14,903,851 
Commercial real estate5,058,452 4,933,396 — — 4,933,396 
Loans to individuals4,026,136 3,872,299 — — 3,872,299 
Total loans24,114,724 23,709,546 — — 23,709,546 
Allowance for loan losses(280,035)— — — — 
Loans, net of allowance23,834,689 23,709,546 — — 23,709,546 
Mortgage servicing rights338,145 338,145 — — 338,145 
Derivative instruments with positive fair value, net of cash margin
242,809 242,809 656 242,153 — 
Deposits with no stated maturity34,655,820 34,655,820 — — 34,655,820 
Time deposits3,535,410 3,522,242 — — 3,522,242 
Other borrowed funds4,322,979 4,323,174 — — 4,323,174 
Subordinated debentures131,200 121,057 — 121,057 — 
Derivative instruments with negative fair value, net of cash margin
237,582 237,582 3,391 234,191 — 

Because no market exists for certain of these financial instruments and management does not intend to sell these financial instruments, the fair values shown in the tables above may not represent values at which the respective financial instruments could be sold individually or in the aggregate at the given reporting date.
Fair Value Election

As more fully disclosed in Note 2 and Note 7 to the Consolidated Financial Statements, the Company has elected to carry all securities held as economic hedges against changes in the fair value of MSR and all residential mortgage loans originated for sale at fair value. Changes in the fair value of these financial instruments are recognized in earnings.
v3.25.4
Parent Company Only Financial Statements Parent Company Only Financial Statements
 12 Months Ended
Dec. 31, 2025
Condensed Financial Information Disclosure [Abstract]  
Condensed Financial Information of Parent Company Only Disclosure [Text Block] Parent Company Only Financial Statements
Summarized financial information for BOK Financial – Parent Company Only follows:

Balance Sheets
(In thousands)
December 31,
 20252024
Assets  
Cash and cash equivalents$149,651 $276,046 
Loan to bank subsidiary65,115 65,131 
Investment in bank subsidiary5,495,781 5,130,141 
Investment in non-bank subsidiaries203,796 196,199 
Other assets17,005 19,486 
Total assets$5,931,348 $5,687,003 
Liabilities and Shareholders’ Equity
Liabilities:
Other liabilities$12,702 $7,450 
Subordinated debentures— 131,200 
Total liabilities12,702 138,650 
Shareholders’ equity:
Common stock5 5 
Capital surplus1,429,369 1,429,628 
Retained earnings6,022,586 5,592,100 
Treasury stock(1,367,144)(970,340)
Accumulated other comprehensive loss(166,170)(503,040)
Total shareholders’ equity5,918,646 5,548,353 
Total liabilities and shareholders’ equity$5,931,348 $5,687,003 
Statements of Earnings
(In thousands)
Year Ended December 31,
202520242023
Dividends, interest and fees received from bank subsidiary$555,343 $304,515 $329,429 
Dividends, interest and fees received from non-bank subsidiaries18,666 22,151 8,000 
Other revenue3,153 1,286 1,162 
Total revenue577,162 327,952 338,591 
Interest expense3,672 9,216 8,952 
Other operating expense2,701 3,196 5,674 
Total expense6,373 12,412 14,626 
Net income before taxes, other losses, net, and equity in undistributed income of subsidiaries
570,789 315,540 323,965 
Other gains (losses), net(4,221)2,112 32,656 
Net income before taxes and equity in undistributed income of subsidiaries
566,568 317,652 356,621 
Federal and state income taxes(1,361)(2,390)5,410 
Net income before equity in undistributed income of subsidiaries567,929 320,042 351,211 
Equity in undistributed income of bank subsidiaries4,417 226,271 181,487 
Equity in undistributed income of non-bank subsidiaries5,644 (22,744)(1,952)
Net income attributable to BOK Financial shareholders
$577,990 $523,569 $530,746 
Statements of Cash Flows
(In thousands)
Year Ended December 31,
 202520242023
Cash Flows From Operating Activities:   
Net income$577,990 $523,569 $530,746 
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed income of bank subsidiaries(4,417)(226,271)(181,487)
Equity in undistributed income of non-bank subsidiaries(5,644)22,744 1,952 
Other losses (gains), net4,221 (2,112)(32,656)
Change in other assets(768)963 1,986 
Change in other liabilities4,259 (7,504)13,404 
Net cash provided by operating activities575,641 311,389 333,945 
Cash Flows From Investing Activities:
Investment in subsidiaries(2,600)(2,550)(2,975)
Sale of subsidiary— — 32,601 
Net cash provided by (used in) investing activities(2,600)(2,550)29,626 
Cash Flows From Financing Activities:
Repayment of subordinated debentures(132,166)— — 
Issuance of common and treasury stock, net(6,558)(3,764)(4,941)
Dividends paid(147,504)(142,981)(143,398)
Repurchase of common stock(413,208)(89,856)(176,819)
Net cash used in financing activities(699,436)(236,601)(325,158)
Net increase (decrease) in cash and cash equivalents(126,395)72,238 38,413 
Cash and cash equivalents at beginning of period276,046 203,808 165,395 
Cash and cash equivalents at end of period$149,651 $276,046 $203,808 
Cash paid for interest$4,255 $9,626 $8,479 
v3.25.4
Subsequent Events
 12 Months Ended
Dec. 31, 2025
Subsequent Events [Abstract]  
Subsequent Events [Text Block] Subsequent Events
The Company evaluated events from the date of the Consolidated Financial Statements on December 31, 2025 through the issuance of those consolidated financial statements included in this Annual Report on Form 10-K. No events were identified requiring recognition in and/or disclosure in the Consolidated Financial Statements.
v3.25.4
Insider Trading Arrangements
 3 Months Ended
Dec. 31, 2025
Trading Arrangements, by Individual  
Material Terms of Trading Arrangement
No Company director or officer (as defined in Exchange Act Rule 16a-1(f)) has adopted, modified, or terminated any trading arrangements during the fourth quarter of 2025.

Certain of our officers or directors have made elections to participate in, and are participating in, our dividend reinvestment plan and 401(k) plan, and have made, and may from time to time make, elections to have shares withheld to cover withholding taxes on issuances of shares to such officers or directors, which may be designed to satisfy the affirmative defense conditions of Rule 10b5-1 under the Exchange Act or may constitute non-Rule 10b5-1 trading arrangements (as defined in Item 408(c) of Regulation S-K).
Rule 10b5-1 Arrangement Adopted false
Non-Rule 10b5-1 Arrangement Adopted false
Rule 10b5-1 Arrangement Terminated false
Non-Rule 10b5-1 Arrangement Terminated false
v3.25.4
Cybersecurity Risk Management and Strategy Disclosure
 12 Months Ended
Dec. 31, 2025
Cybersecurity Risk Management, Strategy, and Governance [Line Items]  
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]
Risk Management and Strategy

BOK Financial is committed to safeguarding company and client information through protections integrated into all lines of business, support functions, and third-party relationships. To effectively manage cybersecurity risks mentioned in Item 1A, our cybersecurity risk management program evaluates the likelihood and potential damage of internal and external threats. We also evaluate the adequacy of our policies, procedures, and capabilities in place to mitigate cyber risk at least annually.

Each employee and contractor is responsible for the security and confidentiality of company and client information. This expectation is communicated at onboarding and through required annual data security and privacy trainings; frequent internal publications; and annual employee attestations to the Company’s Standards of Conduct. BOK Financial regularly conducts risk assessments to evaluate internal controls implemented to prevent and detect data breaches. These controls are aligned with
ISO 27001:2013 and the NIST Cybersecurity Framework Version 2.0 and are frequently monitored to ensure their effectiveness. The controls are routinely tested via tabletop exercises and reviewed by internal auditors.

Vulnerability and penetration assessments are also conducted at least annually by an independent third party. In addition to a strong set of internal controls, the Company has implemented a robust due diligence process for third-party providers prior to executing an agreement. Risk assessments include evaluating the third party’s security posture through intelligence feeds, SOC reports, ISO certifications, and self-attestation questionnaires. Third parties processing customer data are contractually required to meet all legal obligations for protecting against anticipated security threats to client data, protecting against unauthorized access to client data, and ensuring proper disposal of client data.

An array of protective technologies have been implemented to detect and respond to indicators of malicious behavior before an incident ever takes place; however, should a cybersecurity incident occur, the Company has incident response and recovery procedures, which include determination of materiality and proper notification and reporting to the appropriate parties. These include legal and regulatory reporting requirements as well as notifications to impacted customers. The Company collaborates with peer financial institutions, local universities, threat intelligence organizations, third-party providers, law enforcement, and our customers to share tactical threat intelligence and best practices in protecting against emerging threats.

Results of cybersecurity risk assessments and tabletop exercises are reported to governance committees and aid in the development of our cybersecurity strategy, which takes into account the Company's strategic objectives and our ability to navigate potential internal and external disruptions. The overarching objective of our cybersecurity strategy is to reduce risk and enhance the resilience of our assets. Four key components support this objective: enabling our cyber defense posture, creating and retaining cyber-aware customers, considering identities at system access, and preparing a cyber-resilient workforce. Our cybersecurity team operates under eight distinct programs, each led by a subject matter expert. Each program has its own strategy, projects, and initiatives designed to achieve the overall strategic objective and its key components.

The collective framework, regulatory compliance requirements, and associated controls are collectively referred to as the ISMS. The ISMS provides a comprehensive structure that supports the Information Security Program designed to safeguard information technology resources, maintain the confidentiality, integrity and availability of data, and manage the resources used to provide technology and security services to the organization.

To date, no cybersecurity threats or incidents have materially affected, or are reasonably likely to affect, the Company including its business strategy, results of operations, or financial condition.
Cybersecurity Risk Management Processes Integrated [Flag] true
Cybersecurity Risk Management Processes Integrated [Text Block]
BOK Financial is committed to safeguarding company and client information through protections integrated into all lines of business, support functions, and third-party relationships. To effectively manage cybersecurity risks mentioned in Item 1A, our cybersecurity risk management program evaluates the likelihood and potential damage of internal and external threats. We also evaluate the adequacy of our policies, procedures, and capabilities in place to mitigate cyber risk at least annually.

Each employee and contractor is responsible for the security and confidentiality of company and client information. This expectation is communicated at onboarding and through required annual data security and privacy trainings; frequent internal publications; and annual employee attestations to the Company’s Standards of Conduct. BOK Financial regularly conducts risk assessments to evaluate internal controls implemented to prevent and detect data breaches. These controls are aligned with
ISO 27001:2013 and the NIST Cybersecurity Framework Version 2.0 and are frequently monitored to ensure their effectiveness. The controls are routinely tested via tabletop exercises and reviewed by internal auditors.

Vulnerability and penetration assessments are also conducted at least annually by an independent third party. In addition to a strong set of internal controls, the Company has implemented a robust due diligence process for third-party providers prior to executing an agreement. Risk assessments include evaluating the third party’s security posture through intelligence feeds, SOC reports, ISO certifications, and self-attestation questionnaires. Third parties processing customer data are contractually required to meet all legal obligations for protecting against anticipated security threats to client data, protecting against unauthorized access to client data, and ensuring proper disposal of client data.

An array of protective technologies have been implemented to detect and respond to indicators of malicious behavior before an incident ever takes place; however, should a cybersecurity incident occur, the Company has incident response and recovery procedures, which include determination of materiality and proper notification and reporting to the appropriate parties. These include legal and regulatory reporting requirements as well as notifications to impacted customers. The Company collaborates with peer financial institutions, local universities, threat intelligence organizations, third-party providers, law enforcement, and our customers to share tactical threat intelligence and best practices in protecting against emerging threats.
Cybersecurity Risk Management Third Party Engaged [Flag] true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag] true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag] false
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Text Block]
To date, no cybersecurity threats or incidents have materially affected, or are reasonably likely to affect, the Company including its business strategy, results of operations, or financial condition.
Cybersecurity Risk Board of Directors Oversight [Text Block]
Governance

The Company’s cybersecurity program is overseen by the Risk Committee of the Board, which is responsible for ensuring the program is well resourced and able to protect the security and confidentiality of our data and that of our clients. The program is managed by the CISO who reports to the Chief Risk Officer and is reviewed by regulators, as well as internal auditors. The CISO provides quarterly information security updates to the Risk Committee as well as the Company’s executive-level Risk Council on cybersecurity programs, policies and controls, efforts to improve security, and responses to cybersecurity events. Annually, the CISO meets with the Risk Committee of the Board of Directors to communicate the Board's responsibilities for cybersecurity and privacy, as well as the cybersecurity program’s strategy for addressing emerging risks and regulatory requirements.

The Company’s CISO has over 28 years of experience building and operating enterprise security functions, security engineering, and security governance and program management. Prior to joining the Company, the CISO managed an Information Security and Risk Management program within a Fortune 500 energy company that handled a wide variety of information security issues including industrial control system security. The CISO has also served on the board of several academic institutions, professional service organizations, and local non-profits and contributed on many special committees for cybersecurity initiatives.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block] The Company’s cybersecurity program is overseen by the Risk Committee of the Board, which is responsible for ensuring the program is well resourced and able to protect the security and confidentiality of our data and that of our clients. The program is managed by the CISO who reports to the Chief Risk Officer and is reviewed by regulators, as well as internal auditors.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block] The CISO provides quarterly information security updates to the Risk Committee as well as the Company’s executive-level Risk Council on cybersecurity programs, policies and controls, efforts to improve security, and responses to cybersecurity events. Annually, the CISO meets with the Risk Committee of the Board of Directors to communicate the Board's responsibilities for cybersecurity and privacy, as well as the cybersecurity program’s strategy for addressing emerging risks and regulatory requirements.
Cybersecurity Risk Role of Management [Text Block] The Company’s cybersecurity program is overseen by the Risk Committee of the Board, which is responsible for ensuring the program is well resourced and able to protect the security and confidentiality of our data and that of our clients. The program is managed by the CISO who reports to the Chief Risk Officer and is reviewed by regulators, as well as internal auditors.
Cybersecurity Risk Management Positions or Committees Responsible [Flag] true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block] The Company’s cybersecurity program is overseen by the Risk Committee of the Board, which is responsible for ensuring the program is well resourced and able to protect the security and confidentiality of our data and that of our clients. The program is managed by the CISO who reports to the Chief Risk Officer and is reviewed by regulators, as well as internal auditors.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]
The Company’s CISO has over 28 years of experience building and operating enterprise security functions, security engineering, and security governance and program management. Prior to joining the Company, the CISO managed an Information Security and Risk Management program within a Fortune 500 energy company that handled a wide variety of information security issues including industrial control system security. The CISO has also served on the board of several academic institutions, professional service organizations, and local non-profits and contributed on many special committees for cybersecurity initiatives.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block] The CISO provides quarterly information security updates to the Risk Committee as well as the Company’s executive-level Risk Council on cybersecurity programs, policies and controls, efforts to improve security, and responses to cybersecurity events. Annually, the CISO meets with the Risk Committee of the Board of Directors to communicate the Board's responsibilities for cybersecurity and privacy, as well as the cybersecurity program’s strategy for addressing emerging risks and regulatory requirements.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag] true
v3.25.4
Significant Accounting Policies (Policies)
 12 Months Ended
Dec. 31, 2025
Accounting Policies [Abstract]  
Basis of Presentation [Policy Text Block] The Consolidated Financial Statements of BOK Financial have been prepared in conformity with U.S. GAAP, including interpretations of U.S. GAAP issued by federal banking regulators and general practices of the banking industry.
Consolidation [Policy Text Block] The Consolidated Financial Statements include the accounts of BOK Financial and its subsidiaries, principally BOKF, NA, BOK Financial Securities, Inc., BOK Financial Private Wealth, Inc., and Cavanal Hill Distributors, Inc. All significant intercompany transactions are eliminated in consolidation. 
The Consolidated Financial Statements include the assets, liabilities, non-controlling interests and results of operations of VIEs when BOK Financial is determined to be the primary beneficiary. VIEs are generally defined as entities that either do not have sufficient equity to finance their activities without support from other parties or whose equity investors lack a controlling financial interest. Determination that the Company is the primary beneficiary considers the power to direct the activities that most significantly impact the variable interest's economic performance and the obligation to absorb losses of the variable interest or the right to receive benefits of the variable interest that could be significant to the variable interest.
Reclassifications [Text Block] Certain prior year amounts have been reclassified to conform to current year presentation.
Nature of Operations [Text Block]
Nature of Operations

BOK Financial, through its subsidiaries, provides a wide range of financial services to commercial and industrial customers, other financial institutions, municipalities, and consumers. These services include depository and cash management; lending and lease financing; mortgage banking; securities brokerage, trading and underwriting; and personal and corporate trust.

BOKF, NA operates as Bank of Oklahoma primarily in the Tulsa and Oklahoma City metropolitan areas of the state of Oklahoma and Bank of Texas primarily in the Dallas, Fort Worth, Houston, and San Antonio metropolitan areas of the state of Texas. In addition, BOKF, NA does business as BOK Financial in the metropolitan areas of Phoenix, Arizona; Northwest Arkansas; Denver, Colorado; Kansas City, Kansas/Missouri; and as Bank of Albuquerque in Albuquerque, New Mexico. BOKF, NA also operates the TransFund electronic funds network and Cavanal Hill Investment Management.
Use of Estimates [Policy Text Block]
Use of Estimates

Preparation of BOK Financial's Consolidated Financial Statements requires management to make estimates of future economic activities, including loan collectability, loss contingencies, prepayments and cash flows from customer accounts. These estimates are based upon current conditions and information available to management. Actual results may differ significantly from these estimates.
Acquisitions [Policy Text Block]
Acquisitions
 
Assets and liabilities acquired, including identifiable intangible assets, are recorded at fair value on the acquisition date. The purchase price includes consideration paid at closing and the estimated fair value of contingent consideration that will be paid in the future, subject to achieving defined performance criteria. Premiums and discounts assigned to interest-earning assets and interest-bearing liabilities are amortized over the lives of the acquired assets and liabilities on either an individual instrument or pool basis. Goodwill is recognized as the excess of the purchase price over the net fair value of assets acquired and liabilities assumed.

Acquired loans with more than an insignificant credit deterioration since inception are recorded at fair value plus a gross-up amount which is offset by an allowance for credit losses. Acquired loans without a more than insignificant credit deterioration since inception are recorded at fair value. An allowance for credit losses is recognized through a provision for credit losses, similar to origination loans.

The Consolidated Statements of Earnings include the results of operations from the acquisition date.
Goodwill and Intangible Assets [Policy Text Block]
Goodwill and Intangible Assets
 
Goodwill and intangible assets generally result from business combinations and are evaluated for each of BOK Financial's reporting units for impairment annually as of October 1, or more frequently if conditions indicate impairment. The evaluation of possible impairment of goodwill and intangible assets involves significant judgment based upon short-term and long-term projections of future performance.

The Company has three reporting units which align with its three operating segments. The reporting unit level is consistent with the level at which the CODM assesses the performance of the Company and makes decisions concerning the allocation of resources.

During the qualitative assessment for impairment, management qualitatively assesses whether it is more likely than not that the fair value of the reporting units is less than their carrying value, including goodwill. Reporting unit carrying value includes sufficient capital to exceed regulatory requirements. This assessment includes consideration of relevant events and circumstances, including, but not limited to, macroeconomic conditions, industry and market conditions, the financial and stock performance of the Company and other relevant factors. Specifically, the analysis may include:

•General economic conditions including overall economic activity, consumer spending and mobility, unemployment rates, consumer confidence, and duration and severity of any current market moving instability.
•Regional economic conditions including demand for oil and price stability of oil, other overarching conditions that may be affecting any of the Company's primary states such as weather or other catastrophes, pandemics and health related lockdowns, or other state mandates.
•Industry conditions including federal funds rate movement by the Federal Reserve, the interest rate environment and the resulting effect on net interest income and operating revenue, and regulatory mandates that hinder or provide relief to the financial services industry.
•Company specific conditions including current and forecasted income, changes in stock price, the Company's stock price compared to peers and other indexes, book value per share compared to fair value per share, goodwill compared to total shareholders' equity, current capital and liquidity position, demand for products and services, health of the loan portfolio and other credit related factors, current credit ratings with the ratings agencies, and regulatory ratings.
•Reporting unit performance and forecasts including any event that may significantly impact a reporting unit.

If management concludes based on the qualitative assessment that goodwill may be impaired, a quantitative impairment test will be applied to goodwill at all reporting units. The quantitative analysis uses a blend of both income and market approaches to value the reporting units and compares the fair value of the reporting unit with its carrying value. Goodwill is considered impaired if the fair value of the reporting unit is less than the carrying value of the reporting unit, including goodwill.

Both the qualitative assessment and quantitative analysis require significant management judgment, including estimates of changes in future economic conditions and their underlying causes and duration, the reasonableness and effectiveness of management's responses to those changes, changes in governmental fiscal and monetary policies, and fair value measurements based largely on significant unobservable inputs. The results of these judgments may have a significant impact on the Company's reported results of operations.

Intangible assets are generally composed of customer relationships, naming rights, non-compete agreements, and core deposit premiums. They are amortized using accelerated or straight-line methods, as appropriate, over the estimated benefit periods. These periods range from 3 years to 20 years. The net book values of identifiable intangible assets are evaluated for impairment when economic conditions indicate impairment may exist.
Cash Equivalents [Policy Text Block]
Cash Equivalents
 
Due from banks, funds sold (generally federal funds sold for one day), resell agreements (which generally mature within one day to 30 days), and investments in money market funds are considered cash equivalents.
Securities [Policy Text Block]
Securities
 
Securities are identified as trading, investment (held-to-maturity), or available-for-sale at the time of purchase based upon the intent of management, liquidity and capital requirements, regulatory limitations, and other relevant factors. Trading securities, which are acquired for profit through resale, are carried at fair value with unrealized gains and losses included in current period earnings. Investment securities are carried at amortized cost. Amortization is computed by methods that approximate level yield and is adjusted for changes in prepayment estimates. Securities identified as available-for-sale are carried at fair value. Unrealized gains and losses are recorded, net of deferred income taxes, as accumulated other comprehensive income in shareholders' equity. AFS securities are separately identified as pledged to creditors if the creditor has the right to sell or repledge the collateral.

The purchase or sale of securities is recognized on a trade date basis. Realized gains and losses on sales of securities are based upon specific identification of the security sold. A receivable or payable is recognized for subsequent transaction settlement.
 
On a quarterly basis, the Company performs separate evaluations of debt investment and AFS securities for the presence of impairment. We assess whether impairment is present on an individual security basis when the fair value of a debt security is less than the amortized cost.

Management determines whether it intends to sell or if it is more likely than not that it will be required to sell impaired securities. This determination considers current and forecasted liquidity requirements and securities portfolio management. If the Company intends to sell or it is more likely than not that it will be required to sell the impaired debt security, a charge is recognized against earnings for the entire unrealized loss. For all impaired debt securities for which there is no intent or expected requirement to sell, the evaluation considers all available evidence to assess whether it is more likely than not that all amounts due would not be collected according to the security’s contractual terms and whether there is any impairment attributable to credit-related factors. If an impairment exists, the amount attributed to credit-related factors is measured and an allowance for credit loss is recognized. Declines in fair value that are not recorded in the allowance are recorded in other comprehensive income, net of taxes.

BOK Financial may elect to carry certain securities that are not held for trading purposes at fair value with changes in fair value recognized in current period income. These securities are held with the intent that gains or losses will offset changes in the fair value of MSR or other financial instruments.

Restricted equity securities represent equity interests the Company is required to hold in the Federal Reserve Banks and Federal Home Loan Banks. Restricted equity securities are carried at cost as these securities do not have a readily determined fair value because ownership of these shares is restricted and they lack a market.

The fair value of our securities portfolio is generally based on a single price for each financial instrument provided to us by a third-party pricing service determined by one or more of the following:

•quoted prices for similar, but not identical, assets or liabilities in active markets;
•quoted prices for identical or similar assets or liabilities in inactive markets;
•inputs other than quoted prices that are observable, such as interest rate and yield curves, volatilities, prepayment speeds, loss severities, credit risks and default rates; and
•other inputs derived from or corroborated by observable market inputs.
The underlying methods used by the third-party pricing services are considered in determining the primary inputs used to determine fair values. We evaluate the methodologies employed by the third-party pricing services by comparing the price provided by the pricing service with other sources, including brokers' quotes, sales or purchases of similar instruments, and discounted cash flows to establish a basis for reliance on the pricing service values. Significant differences between the pricing service provided value and other sources are discussed with the pricing service to understand the basis for their values. Based on all observable inputs, management may adjust prices obtained from third-party pricing services to more appropriately reflect the prices that would be received to sell assets or paid to transfer liabilities in orderly transactions in the current market.
Derivatives Instruments [Policy Text Block]
Derivative Instruments
 
Derivative instruments may be used by the Company as part of its internal risk management programs or may be offered to customers. All derivative instruments are carried at fair value and changes in fair value are generally reported in income as they occur. The determination of fair value of derivative instruments considers changes in interest rates, commodity prices, and foreign exchange rates. Fair values for exchange-traded contracts are based on quoted prices in an active market for identical instruments. Fair values for over-the-counter contracts are generated internally using third-party valuation models. Inputs used in third-party valuation models to determine fair values are considered significant other observable inputs. Credit risk is also considered in determining fair value. Deterioration in the credit rating of customers or other counterparties reduces the fair value of asset contracts. Deterioration of our credit rating could decrease the fair value of our derivative liabilities.

When bilateral netting agreements or similar agreements exist between the Company and its counterparties that create a single legal claim or obligation to pay or receive the net amount in settlement of the individual derivative contracts, the Company reports derivative assets and liabilities on a net by derivative contract by counterparty basis.

Derivative contracts may also require the Company to provide or receive cash margin as collateral for derivative assets and liabilities. Derivative assets and liabilities are reported net of cash margin when certain conditions are met. In addition, derivative contracts executed with customers under Customer Risk Management Programs may be secured by non-cash collateral in conjunction with a credit agreement with that customer. Access to collateral in the event of default is reasonably assured.

BOK Financial offers programs that permit its customers to manage various risks, including fluctuations in energy prices, interest rates, foreign exchange rates, and other commodities with derivative contracts. Customers may also manage interest rate risk through interest rate swaps used by the borrower to modify interest rate terms of their loans. Derivative contracts are executed between the customers and BOK Financial. Offsetting contracts are executed between BOK Financial and other selected counterparties to minimize market risk from changes in commodity prices, interest rates, or foreign exchange rates. The counterparty contracts are identical to customer contracts, except for a fixed pricing spread or fee paid to BOK Financial as profit and compensation for administrative costs and credit risk which is recognized over the life of the contracts and included in Other operating revenue - brokerage and trading revenue in the Consolidated Statements of Earnings.

BOK Financial may offer derivative instruments such as to-be-announced U.S. agency residential mortgage-backed securities to mortgage banking customers to enable them to manage their market risk or to mitigate the Company's market risk of holding trading securities. Changes in the fair value of derivative instruments for trading purposes or used to mitigate the market risk of holding trading securities are included in Other operating revenue - brokerage and trading revenue in the Consolidated Statements of Earnings.

BOK Financial may use derivative instruments in managing its interest rate sensitivity, as part of its economic hedge of the changes in the fair value of MSR. Changes in the fair value of derivative instruments used in managing interest rate sensitivity and as part of its economic hedge of changes in the fair value of MSR are included in Other operating revenue - gain (loss) on derivatives, net in the Consolidated Statements of Earnings.

BOK Financial also enters into mortgage loan commitments that are considered derivative contracts. Forward sales contracts that have not been designated as hedging instruments are used to economically hedge these mortgage loan commitments as well as mortgage loans held for sale. Mortgage loan commitments, forward sales contracts, and residential mortgage loans held for sale are carried at fair value. Changes in the fair value are reported in Other operating revenue - mortgage banking revenue in the Consolidated Statements of Earnings.
Loans [Policy Text Block]
Loans
 
Loans are either secured or unsecured based on the type of loan and the financial condition of the borrower. Repayment is generally expected from cash flow or proceeds from the sale of selected assets of the borrower. BOK Financial is exposed to risk of loss on loans due to the borrower’s financial difficulties, which may arise from any number of factors, including problems within the respective industry or local economic conditions. Access to collateral, in the event of borrower default, is reasonably assured through adherence to applicable lending laws and through sound lending standards and credit review procedures. Accounting policies for all loans, excluding residential mortgage loans guaranteed by U.S. government agencies, are as follows:
Interest is accrued at the applicable interest rate on the outstanding principal amount. Loans are placed on nonaccruing status when, in the opinion of management, full collection of principal or interest is uncertain. Internally risk graded loans are individually evaluated for nonaccruing status quarterly. Non-risk graded loans are generally placed on nonaccruing status when 90 days or more past due or within 60 days of being notified of the borrower's bankruptcy filing. Interest previously accrued but not collected is charged against interest income when the loan is placed on nonaccruing status. Payments received on nonaccruing loans are applied to principal or recognized as interest income, according to management's judgment as to the collectability of principal. Loans may be returned to accruing status when, in the opinion of management, full collection of principal and interest, including principal previously charged off, is probable based on improvements in the borrower's financial condition or a sustained period of performance.

For loans acquired with no evidence of credit deterioration, discounts are accreted on either an individual basis for loans with unique characteristics or on a pool basis for groups of homogeneous loans. Accretion is discontinued when a loan with an individually attributed discount is placed on nonaccruing status.

Modifications of loans to existing borrowers generally consist of interest rate reductions, extension of payment terms or a combination of these. Modifications may arise either voluntarily through negotiations with the borrower or involuntarily through court order. Payment deferrals up to six months are generally considered to be short-term modifications. Generally, principal and accrued, but unpaid, interest are not voluntarily forgiven. A change to the allowance for credit losses is generally not recorded upon modification because the effect of most modifications made to borrowers experiencing financial difficulty is already included in the allowance methodology.

Performing loans may be renewed under the then-current collateral, debt service ratio, and other underwriting standards. Nonaccruing loans may also be renewed and will remain classified as nonaccruing.

Occasionally, loans, other than residential mortgage loans, may be held for sale in order to manage credit concentration. These loans are carried at the lower of cost or fair value with gains or losses recognized in Other operating revenue - other gains (losses), net in the Consolidated Statements of Earnings.

All loans are charged off when the loan balance or a portion of the loan balance is no longer supported by the paying capacity of the borrower or when the required cash flow is reduced in a modification. The charge-off amount is determined through an evaluation of available cash resources and collateral value. Internally risk graded loans are evaluated quarterly and charge-offs are taken in the quarter in which the loss is identified. Non-risk graded loans that are past due between 60 days and 180 days, based on the loan product type, are charged off. Loans to borrowers whose personal obligation has been discharged through Chapter 7 bankruptcy proceedings are charged off within 60 days of notice of the bankruptcy filing, regardless of payment status.

Loan origination and commitment fees, and direct loan acquisition and origination costs are deferred and amortized as an adjustment to yield over the life of the loan or over the commitment period, as applicable. Amortization does not anticipate loan prepayments. Net unamortized fees are recognized in full at time of payoff.

We sell qualifying residential mortgage loans guaranteed by U.S. government agencies into GNMA pools. GNMA optional repurchase programs allow financial institutions to buy back individual delinquent mortgage loans that meet certain criteria from the securitized loan pool for which the institution provides servicing. At the servicer's option and without GNMA's prior authorization, the servicer may repurchase a delinquent loan for an amount equal to 100% of the remaining principal balance of the loan. These loans no longer qualify for sale accounting and are recognized in the Consolidated Balance Sheets. A portion of the principal balance continues to be guaranteed; however, interest accrues at a curtailed rate as specified in the programs. The carrying value of these loans is reduced based on an estimate of expected cash flows discounted at the original note rate plus a liquidity spread. These loans may be modified in accordance with U.S. government agency guidelines. Interest continues to accrue at the modified rate. Loans repurchased from GNMA under the program may either be resold into GNMA pools after a performance period specified by the program or foreclosed and conveyed to the guarantors.
Loans are disaggregated into portfolio segments and further disaggregated into classes. The portfolio segment is the level at which the Company develops and documents a systematic method for determining its allowance for credit losses. Classes are a further disaggregation of portfolio segments based on the risk characteristics of the loans and the Company’s method for monitoring and assessing credit risk.
Credit Loss, Financial Instrument
Allowances for Credit Losses and Accrual for Off-balance Sheet Credit Risk from Unfunded Loan Commitments

The allowance for loan losses and accrual for off-balance sheet credit risk from unfunded loan commitments represent the portion of the amortized cost basis of loans and related unfunded commitments we do not expect to collect over the asset’s contractual life, considering past events, current conditions, and reasonable and supportable forecasts of future economic conditions. Quarterly, a senior management Allowance Committee assesses the appropriateness of the allowance for loan losses and accrual for off-balance sheet credit risk. This assessment requires judgment about effects of uncertain matters, resulting in a subjective calculation which is inherently imprecise. Because of the subjective forward-looking nature of the calculation, changes in these measures may not directly correlate with actual economic events. In future periods, management judgment may consider new or changed information which may cause significant changes in these allowances in those future periods.

The allowance for loan losses consists of specific allowances attributed to certain individual loans, generally nonaccruing loans, with dissimilar risk characteristics that have not yet been charged down to amounts we expect to recover and general allowances for estimated credit losses on pools of loans that share similar risk characteristics.

When full collection of principal or interest is uncertain, the loan’s risk characteristics have changed, and we exclude the loan from the general allowance pool, typically designating it as nonaccruing. For these loans, a specific allowance reflects the expected credit loss.

We measure specific allowances for loans excluded from the general allowance pool by an evaluation of estimated future cash flows discounted at the loan's initial effective interest rate or the fair value of collateral for certain collateral dependent loans. For a non-collateral dependent loan, the specific allowance is the amount by which the loan’s amortized cost basis exceeds its net realizable value. We measure the specific allowance for collateral dependent loans as the amount by which the loan’s amortized cost basis exceeds its fair value. When repayment is expected to be provided substantially through the sale of collateral, we deduct estimated selling costs from the collateral’s fair value. Generally, third-party appraisals that conform to Uniform Standards of Professional Appraisal Practice serve as the basis for the fair value of real property held as collateral. These appraised values are on an “as-is” basis and generally are not adjusted by the Company. We obtain updated appraisals at least annually or more frequently if market conditions indicate collateral values may have declined. For energy loans, our internal staff of engineers generally determines collateral value of mineral rights based on projected cash flows from proven oil and gas reserves under existing economic and operating conditions. Our special assets staff generally determines the value of other collateral based on projected liquidation cash flows under current market conditions. We evaluate collateral values and available cash resources quarterly. Historical statistics may be used to estimate specific allowances in limited situations, such as when a collateral dependent loan is removed from the general allowance pool near the end of a reporting period until an appraisal of collateral value is received or a full assessment of future cash flows is completed.

General allowances estimate expected credit losses on pools of loans sharing similar risk characteristics that are expected to occur over the loan’s estimated remaining life. The loan’s estimated remaining life represents the contractual term adjusted for amortization, estimates of prepayments, and borrower-owned extension options. Approximately 90% of the committed dollars in the loan portfolio is risk graded loans with general allowance model inputs that include probability of default, loss given default, and exposure at default. Probability of default is based on the migration of loans from performing to nonperforming using historical life of loan analysis periods. Loss given default is based on the aggregate losses incurred, net of estimated recoveries. Exposure at default represents an estimate of the outstanding amount of credit exposure at the time a default may occur.

Charge-off migration is used to calculate the general allowance for the majority of non-risk graded loans to individuals. The expected credit loss on less than 10% of the committed dollars in the portfolio is calculated using charge-off migration.

The expected credit loss on approximately 1% of the committed dollars in the portfolio is calculated using a non-modeled approach. Specifically, the calculation applies a long-term net charge-off rate to the loan balances, adjusted for the weighted average remaining maturity of each portfolio.
In estimating the expected credit losses for general allowances on performing risk-graded loans, each portfolio class is assigned relevant economic loss drivers which best explain variations in portfolio net loss rates. The probability of default estimates for each portfolio class are adjusted for current and forecasted economic conditions. The result is applied to the exposure at default and loss given default to calculate the lifetime expected credit loss estimate. Selection of relevant economic loss drivers is re-evaluated periodically and involves statistical analysis as well as management judgment. The unemployment rate factors significantly in the allowance for loan losses calculation, affecting commercial and loans to individuals segments. Other primary factors impacting the commercial portfolio include BBB corporate spreads, real gross domestic product growth rate, and energy commodity prices. The primary commercial real estate variables are vacancy rate and BBB corporate spreads. In addition to the unemployment rate, the forecast for loans to individuals is tied to home price index. The forecasts may include regional economic factors when localized conditions diverge from national conditions.

An Economic Forecast Committee, consisting of senior management with members largely independent of the allowance process, develops a twelve-month forward-looking forecast for the relevant economic loss drivers. Management develops these forecasts based on external data as well as a view of future economic conditions, which may include adjustments for regional conditions. The forecast includes three economic scenarios and probability weights for each scenario. The base forecast represents management's view of the most likely outcome, while the downside forecast reflects reasonably possible worsening economic conditions, and the upside forecast projects reasonably possible improving conditions.

At the end of the one-year reasonable and supportable forecast period, we transition from shorter-term expected losses to long-term loss averages for the loan’s estimated remaining life. The difference between short-term loss forecasts and long-term loss averages is run-off over the reversion horizon, up to three years, depending on the forecasted economic scenarios.

General allowances also consider the estimated impact of factors that are not captured in the modeled results or historical experience. These factors may increase or decrease modeled results by amounts determined by the Allowance Committee. Factors not captured in modeled results or historical experience may include for example, new lines of business, market conditions that have not been previously encountered, observed changes in credit risk that are not yet reflected in macro-economic factors, or economic conditions that impact loss given default assumptions.

The accrual for off-balance sheet credit risk is maintained at a level that is appropriate to cover estimated losses associated with credit instruments that are not currently recognized as assets such as loan commitments, standby letters of credit, or guarantees that are not unconditionally cancellable by the bank. This accrual is included in other liabilities in the Consolidated Balance Sheets. The appropriateness of the accrual is determined in the same manner as the allowance for loan losses, with the added consideration of commitment usage over the remaining life for those loans that the bank cannot unconditionally cancel.
A provision for credit losses is charged against or credited to earnings in amounts necessary to maintain an appropriate allowance for credit losses. Recoveries of loans previously charged off are added to the allowance when received.
Real Estate and Other Repossessed Assets [Policy Text Block]
Real Estate and Other Repossessed Assets
 
Real estate and other repossessed assets are acquired in partial or total forgiveness of loans. These assets are carried at the lower of cost, which is the fair value at date of foreclosure less estimated disposal costs, or current fair value less estimated disposal costs. Decreases in fair value below cost are recognized as asset-specific valuation allowances which may be reversed when supported by future increases in fair value. Subsequent increases in fair value may be used to reduce the valuation allowance but not below zero.
Fair values of real estate are based on “as is” appraisals which are updated at least annually or more frequently for certain asset types or assets located in certain distressed markets. Fair values based on appraisals are generally considered to be based on significant other observable inputs. The Company also considers decreases in listing price and other relevant information in quarterly evaluations and reduces the carrying value of real estate and other repossessed assets when necessary. Fair values based on list prices and other relevant information are generally considered to be based on significant unobservable inputs. Additional costs incurred to complete real estate and other repossessed assets may increase the carrying value, up to current fair value based on “as completed” appraisals. The fair value of mineral rights included in repossessed assets is generally determined by our internal staff of engineers based on projected cash flows from proven oil and gas reserves under existing economic and operating conditions. Proven oil and gas reserves are estimated quantities that geological and engineering data demonstrate, with reasonable certainty, to be recoverable in future years from known reservoirs using existing prices and costs. Projected cash flows incorporate assumptions related to a number of factors including production, sales prices, operating expenses, severance, ad valorem taxes, capital costs, and appropriate discount rate. Fair values determined through this process are considered to be based on Level 3 inputs. The value of other repossessed assets is generally determined by our special assets staff based on projected liquidation cash flows under current market conditions.

Income generated by these assets is recognized as received. Operating expenses are recognized as incurred. Gains or losses on sales of real estate and other repossessed assets are based on the cash proceeds received less the cost basis of the asset, net of any valuation allowances. The estimated disposal costs of real estate and other repossessed assets are evaluated by the Company on an annual basis based on actual results.
Transfers of Financial Assets [Policy Text Block]
Transfers of Financial Assets
 
BOK Financial regularly transfers financial assets as part of its mortgage banking activities and periodically may transfer other financial assets. Transfers are recorded as sales when the criteria for surrender of control are met.

The Company has elected to carry certain residential mortgage loans held for sale at fair value under the fair value option. Changes in fair value are recognized in net income as they occur. These loans are reported separately in the Consolidated Balance Sheets and changes in fair value are recorded in Other operating revenue - mortgage banking revenue in the Consolidated Statements of Earnings.

Fair value of conforming residential mortgage loans that will be sold to U.S. government agencies is based on sales commitments or market quotes considered Level 2 inputs. Fair value of mortgage loans that are unable to be sold to U.S. government agencies is based on Level 3 inputs using quoted prices of loans that are sold in securitization transactions with a liquidity discount applied. The fair value is corroborated with an independent third party on at least an annual basis.

BOK Financial retains a repurchase obligation under underwriting representations and warranties related to residential mortgage loans transferred and generally retains the right to service the loans. These are not credit obligations. The Company may incur a recourse obligation in limited circumstances. Separate accruals are recognized in Other liabilities in the Consolidated Balance Sheets for repurchase and recourse obligations. These reserves reflect the estimated amount of probable loss the Company will incur as a result of repurchasing a loan, indemnifications, and other settlement resolutions.

Repurchases of loans with an origination defect that are also credit impaired are considered collateral dependent and are initially recognized at net realizable value (appraised value less the cost to sell). The difference between unpaid principal balance and net realizable value is not accreted. Repurchases of loans with an origination defect that are not credit impaired are carried at fair value as of the repurchase date. Interest income continues to accrue on these loans and the discount is accreted over the estimated life of the loan.

The Company may also choose to purchase GNMA loans once certain mandated delinquency criteria are met. The loans that are eligible, and are chosen to be repurchased, are initially recognized at fair value based on expected cash flows discounted using the average agency guaranteed debenture rates, average actual principal loss rates, and liquidity premium.

The Company may also retain a residual interest in excess cash flows generated by the assets. All assets obtained, including cash, servicing rights and residual interests, and all liabilities incurred, including recourse obligations, are initially recognized at fair value. All assets transferred are derecognized and any gain or loss on the sale is recognized in earnings. Subsequently, servicing rights and residual interest are carried at fair value with changes in fair value recognized in earnings as they occur.
Mortgage Servicing Rights [Policy Text Block]
Mortgage Servicing Rights
 
MSR may be purchased or may be recognized when mortgage loans are originated and sold with servicing rights retained. All MSR are carried at fair value. Changes in the fair value are recognized in earnings as they occur.

MSR are not traded in active markets. A cash flow model is used to determine fair value. Key assumptions and estimates, including projected prepayment speeds and assumed servicing costs, earnings on escrow deposits, ancillary income and discount rates, used by this model are based on current market sources. Assumptions used to value MSR are considered significant unobservable inputs. A separate third-party model is used to estimate prepayment speeds based on interest rates, housing turnover rates, estimated loan curtailment, anticipated defaults, and other relevant factors. The prepayment model is updated daily for changes in market conditions and adjusted to better correlate with actual performance of BOK Financial’s servicing portfolio. Fair value estimates from outside sources are received at least annually to corroborate the results of the valuation model.
Premises and Equipment [Policy Text Block]
Premises and Equipment
 
Premises and equipment are carried at cost, including capitalized interest, when appropriate, less accumulated depreciation and amortization.

Depreciation and amortization are computed on a straight-line basis over the estimated useful lives of the assets or, for leasehold improvements, over the shorter of the estimated useful lives or remaining lease terms. Useful lives range from 5 years to 40 years for buildings and improvements, 3 years to 10 years for software and related implementation costs, and 3 years to 10 years for furniture and equipment. Construction in progress represents facilities construction and data processing systems projects underway that have not yet been placed into service. Depreciation and amortization begin once the assets are placed into service. Repair and maintenance costs, including software maintenance and enhancement costs, are charged to expense as incurred. Software licensing costs are generally charged to expense as incurred. Software licensing costs are capitalized if the contractual right to take possession of the software exists and it is feasible to take possession without significant penalty. Capitalized costs are amortized over the shorter of the estimated useful life of the software or remaining contractual life of the license.

Premises no longer used by the Company are transferred to real estate and other repossessed assets. The transferred amount is the lower of cost less accumulated depreciation, or fair value less estimated disposal costs, as of the transfer date.

Premises and equipment includes rights to use leased facilities and equipment. Right-of-use assets are initially measured by the present value of future rent payments over lease terms, adjusted for rent concessions. Rent payments exclude both payments made for non-lease components, such as services and variable lease payments other than payments dependent on an index at lease commencement. Lease term includes options reasonably certain to be exercised. The right-of-use assets and lease liabilities are amortized to achieve straight-line expense over the lease term. Upon lease modification, the right-of-use asset and liability are reassessed and remeasured. Right-of-use assets are evaluated for impairment when facts and circumstances change that indicate an impairment may be necessary. Leases less than twelve months are excluded from capitalization.

Ongoing technology projects of significant size or length are reviewed at least annually for impairment. Accumulated costs are reviewed for projects, or components of projects, that do not support the value of the asset being developed. Findings of obsolescence, duplicate effort, or other conditions that do not support the recorded value are impaired, with the cost of the impaired components being charged to current-year earnings.
Federal and State Income Taxes [Policy Text Block]
Federal and State Income Taxes
 
Determination of income tax expense and related assets and liabilities is complex and requires estimates and judgments when applying tax laws, rules, regulations, and interpretations. It also requires judgments as to future earnings and the timing of future events. Accrued income taxes represent an estimate of net amounts due to or from taxing jurisdictions based upon these estimates, interpretations, and judgments.

BOK Financial and its eligible subsidiaries file consolidated tax returns. The subsidiaries provide for income taxes on a separate return basis and remit to BOK Financial amounts determined to be currently payable. BOK Financial is an agent for its subsidiaries under the Company’s tax sharing agreements and has no ownership rights to any refunds received for the benefit of its subsidiaries.
Current income tax expense or benefit is based on an evaluation that considers estimated taxable income, tax credits and statutory federal and state income tax rates. The amount of current income tax expense or benefit recognized in any period may differ from amounts reported to taxing authorities. Annually, we file tax returns with each jurisdiction where the Company conducts business and adjust recognized current income tax expense or benefit to the filed tax returns.

Deferred tax assets and liabilities are recognized based upon the temporary differences between the values of assets and liabilities as recognized in the financial statements and their related tax basis using enacted tax rates in effect for the year in which the differences are expected to be recovered or settled. The effect of changes in statutory tax rates on the measurement of the deferred tax assets and liabilities is recognized through income tax expense in the period the change is enacted. A valuation allowance is provided when it is more likely than not that some portion of the entire deferred tax asset may not be realized.
BOK Financial recognizes the benefit of uncertain tax positions when based upon all relevant evidence, it is more likely than not that our position would prevail upon examination, including resolution of related appeals or litigation, based upon the technical merits of the position. BOK Financial has unrecognized tax benefits, which are included in accrued current income taxes payable, for the uncertain portion of recorded tax benefits and related interest. These uncertainties result from the application of complex tax laws, rules, regulations and interpretations, primarily in state taxing jurisdictions. Unrecognized tax benefits are assessed quarterly and may be adjusted through current income tax expense in future periods based on changing facts and circumstances, completion of examinations by taxing authorities, or expiration of a statute of limitations. Estimated penalties and interest on uncertain tax positions are recognized in income tax expense. Income tax expense in future periods may decrease if an uncertain tax position is favorably resolved, generally upon completion of an examination by the taxing authorities, expiration of a statute of limitations, or changes in facts and circumstances.
Employee Benefit Plans [Policy Text Block]
Employee Benefit Plans
 
BOK Financial sponsors a Thrift Plan. Employer contributions to the Thrift Plan, which matches employee contributions subject to percentage and years of service limits, are expensed when incurred.
Shared-Based Compensation Plans [Policy Text Block]
Share-Based Compensation Plans
 
BOK Financial’s share-based compensation plans allow for the issuance of non-vested common shares, stock options, and RSUs as compensation to certain officers. While permitted, the Company does not currently grant options. Compensation cost is generally fixed based on the grant date fair value of the award. Grant date fair value of non-vested shares is based on the current market value of BOK Financial common stock. Non-vested shares generally cliff vest in 3 years and are subject to a holding period after vesting of 2 years.

Compensation cost is initially based on the grant date fair value of the award and recognized as expense over the service period, which is generally the vesting period. Expense is reduced for estimated forfeitures over the vesting period and adjusted for actual forfeitures as they occur. Share-based compensation awarded to certain officers has performance conditions that affect the number of awards granted. Compensation cost is adjusted based on the probable outcome of the performance conditions.

RSUs may also be awarded for certain executives who have elected to defer income recognition upon vesting of their awards. RSUs are subject to the same vesting criteria as non-vested shares. Upon vesting and meeting other relevant conditions, RSUs are settled through cash distributions. The value of the awards will vary in amounts equal to changes in the fair value of an equal number of BOK Financial common shares.
Tax effects of share-based payments are recognized through tax expense. Dividends on non-vested shares are charged to retained earnings. Dividend equivalents on RSUs are charged to expense.
Other Operating Revenue [Policy Text Block]
Other Operating Revenue
 
Fees and commissions revenue is generated through the sales of products, consisting primarily of financial instruments, and the performance of services for customers under contractual obligations. Revenue from providing services for customers is primarily recognized at the time services are provided in an amount that reflects the consideration we expect to be entitled to for those services. Revenue is recognized based on the application of five steps:

•Identify the contract with a customer.
•Identify the performance obligations in the contract.
•Determine the transaction price.
•Allocate the transaction price to the performance obligations in the contract.
•Recognize revenue when (or as) the Company satisfies a performance obligation.

For contracts with multiple performance obligations, individual performance obligations are accounted for separately if the customer can benefit from the good or service on its own or with other resources readily available to the customer and the promise to transfer goods and services to the customer is separately identifiable in the contract. The transaction price is allocated to the performance obligations based on relative standalone selling prices.

Revenue is recognized on a gross basis whenever we have primary responsibility and risk in providing the services or products to our customers and have discretion in establishing the price for the services or products. Revenue is recognized on a net basis whenever we act as an agent for products or services of others.

Brokerage and trading revenue includes revenues from trading, customer hedging, retail brokerage, investment banking, and insurance brokerage. Trading revenue includes net realized and unrealized gains primarily related to sales of securities to institutional customers and related derivative contracts. Customer hedging revenue includes realized and unrealized changes in the fair value of derivative contracts held for customer risk management programs including credit valuation adjustments, as necessary. We offer commodity, interest rate, foreign exchange, and equity derivatives to our customers. These customer contracts are offset with contracts with selected counterparties and exchanges to minimize changes in market risk from changes in commodity prices, interest rates, or foreign exchange rates. Retail brokerage revenue represents fees and commissions earned on sales of fixed income securities, annuities, mutual funds, and other financial instruments to retail customers. Investment banking revenue includes fees earned upon completion of underwriting and financial advisory services. Investment banking revenue also includes fees earned in conjunction with loan syndications. Insurance brokerage revenues represent fees and commissions earned on placement of insurance products with carriers for property and casualty and health coverage.

Transaction card revenue includes merchant discount fees and electronic funds transfer network fees, net of interchange fees paid to card issuers and assessments paid to card networks. Merchant discount fees represent fees paid by customers for account management and electronic processing of card transactions. Merchant discount fees are recognized at the time the customer’s transactions are processed or other services are performed. The Company also maintains the TransFund electronic funds transfer network for the benefit of its members, which includes BOKF, NA. Electronic funds transfer fees are recognized as electronic transactions are processed on behalf of its members.

Fiduciary and asset management revenue includes fees from asset management, custody, recordkeeping, investment advisory, and administration services. Revenue is recognized on an accrual basis at the time the services are performed and may be based on either the fair value of the account or the service provided.

Deposit service charges and fees include commercial account service charges, overdraft fees, check card fee revenue and automated service charges, and other deposit service fees. Fees are recognized at least quarterly in accordance with published deposit account agreements and disclosure statements for retail accounts or contractual agreements for commercial accounts. Item charges for overdraft or non-sufficient funds items are recognized as items are presented for payment. Account balance charges and activity fees are accrued monthly and collected in arrears. Commercial account activity fees may be offset by an earnings credit based on account balances. Check card fees represent interchange fees paid by a merchant bank for transactions processed from cards issued by the Company. Check card fees are recognized when transactions are processed.

Mortgage banking revenue includes revenues recognized in conjunction with the origination, marketing, and servicing of conventional and government-sponsored residential mortgage loans. Mortgage production revenue includes net realized gains (losses) on sales of residential mortgage loans in the secondary market and the net change in unrealized gains (losses) on residential mortgage loans held for sale. Mortgage production revenue also includes changes in the fair value of derivative contracts not designated as hedging instruments related to residential mortgage loan commitments and forward sales contracts. Mortgage servicing revenue includes servicing fee income and late charges on loans serviced for others.
Newly Adopted and Pending Accounting Pronouncements [Policy Text Block]
Newly Adopted and Pending Accounting Pronouncements

Financial Accounting Standards Board

FASB ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures

The FASB issued ASU 2023-09 on December 14, 2023, which amends income tax disclosures to provide information to better assess how an entity’s operations and related tax risks and tax planning and operational opportunities affect its tax rate and prospects for future cash flows. The new guidance requires the entity to disclose specific categories in the rate reconciliation and provide additional information for reconciling items that meet a quantitative threshold. ASU 2023-09 is effective for annual periods beginning after December 15, 2024. Adoption of ASU 2023-09 did not have a material impact on the Company's financial statements.

FASB ASU 2024-01, Compensation—Stock Compensation (Topic 718): Scope Application of Profits Interest and Similar Awards

The FASB issued ASU 2024-01 on March 21, 2024, which provides illustrative guidance to help entities determine whether profits interest and similar awards should be accounted for as share-based payment arrangements within the scope of Topic 718, Compensation—Stock Compensation. The ASU is effective for annual periods beginning after December 15, 2024, including interim periods within those periods. Adoption of ASU 2024-01 did not have a material impact on the Company's financial statements.

FASB ASU 2024-03, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses

The FASB issued ASU 2024-03 on November 4, 2024, which amends the disclosure of certain costs and expenses. The amendments intend to bring improvement by requiring further disaggregation of expenses that are not already required to be disclosed in the notes to the financial statements at interim and annual reporting periods. ASU 2024-03 is effective for annual reporting periods beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027. The Company is currently assessing the impact ASU 2024-03 will have on its expense disclosures.

FASB ASU 2025-05, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses for Accounts Receivable and Contract Assets

The FASB issued ASU 2025-05 on July 30, 2025, which provides a practical expedient related to the estimation of expected credit losses for current accounts receivable and current contract assets arising from transactions accounted for under Topic 606, Revenue from Contracts with Customers. Under the practical expedient, entities may assume current conditions as of the balance sheet date remain unchanged for the remaining life of the asset when developing reasonable and supportable forecasts. ASU 2025-05 is effective for annual reporting periods beginning after December 15, 2025, and interim reporting periods within those annual reporting periods, with early adoption permitted. The Company is currently assessing the impact ASU 2025-05 will have on its disclosures.

FASB ASU 2025-06, Intangibles—Goodwill and Other—Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software

The FASB issued ASU 2025-06 on September 18, 2025, which modernizes the accounting for internal-use-software costs. This amendment eliminates accounting consideration of software project development stages and clarifies the threshold applied to begin capitalizing costs. ASU 2025-06 is effective for annual reporting periods beginning after December 15, 2027, and interim reporting periods within those annual reporting periods, with early adoption permitted. The Company is currently assessing the impact ASU 2025-06 will have on its internal software costs.
FASB ASU 2025-08, Financial Instruments—Credit Losses (Topic 326): Purchased Loans

The FASB issued ASU 2025-08 on November 12, 2025, which clarifies and simplifies the accounting for credit losses on purchased loans under CECL, specifically how entities account for expected credit losses at acquisition and subsequent changes in those expectations. Under this new guidance, loans acquired without credit deterioration and deemed “seasoned” will be considered purchased seasoned loans and accounted for using the gross-up approach at acquisition (i.e., record the loan at its purchase price and separately record an allowance for expected credit losses). Seasoned loans include all loans acquired in a business combination, that do not have “more-than-insignificant” deterioration of credit quality since origination, as well as loans purchased at least 90 days after origination, where the purchaser was not involved in the origination of the loans. ASU 2025-08 is effective for all entities for annual reporting periods beginning after December 15, 2026, and interim reporting periods within those annual reporting periods. The Company is currently assessing the impact ASU 2025-08 will have on its purchased loans.

FASB ASU 2025-09, Derivatives and Hedging (Topic 815): Hedge Accounting Improvements

The FASB issued ASU 2025-09 on November 25, 2025, which enables entities to apply hedge accounting to a greater number of highly effective economic hedges in the following five areas: (1) similar risk assessment for cash flow hedges, (2) hedging forecasted interest payments on choose-your-rate debt instruments, (3) cash flow hedges of nonfinancial forecasted transactions, (4) net written options as hedging instruments, and (5) foreign-currency-denominated debt instrument as hedging instrument and hedged item (dual hedge). ASU 2025-09 is effective for all entities for annual reporting periods beginning after December 15, 2026, and interim reporting periods within those annual reporting periods. The Company is currently assessing the impact ASU 2025-08 will have on its disclosures.

FASB ASU 2025-11, Interim Reporting (Topic 270)

The FASB issued ASU 2025-11 on December 8, 2025, which is intended to improve the navigability of the guidance in ASC 270 and clarify when it applies. Under the amendments, an entity is subject to ASC 270 if it provides interim financial statements and notes in accordance with GAAP. ASU 2025-11 also addresses the form and content of such financial statements, interim disclosures requirements, and establishes a principle under which an entity must disclose events since the end of the last annual reporting period that have a material impact on the entity. ASU 2025-11 is effective for interim reporting periods within annual reporting periods beginning after December 15, 2027, and early adoption is permitted. The Company is currently assessing the impact ASU 2025-11 will have on the Company's financial statements.
v3.25.4
Reclassifications (Policies)
 12 Months Ended
Dec. 31, 2025
Accounting Policies [Abstract]  
Reclassifications [Text Block] Certain prior year amounts have been reclassified to conform to current year presentation.
v3.25.4
Securities (Tables)
 12 Months Ended
Dec. 31, 2025
Marketable Securities [Abstract]  
Trading Securities [Table Text Block]
The fair value and net unrealized gain (loss) included in trading securities is as follows (in thousands):
 
 December 31, 2025December 31, 2024
 Fair ValueNet Unrealized Gain (Loss)Fair ValueNet Unrealized Gain (Loss)
U.S. government securities$9,237 $(4)$21,275 $(60)
Residential agency mortgage-backed securities
5,307,849 9,011 4,792,695 (37,439)
Municipal securities39,233 10 62,230 (566)
Other trading securities36,426 (25)22,890 33 
Total trading securities$5,392,745 $8,992 $4,899,090 $(38,032)
Investment Securities (Held-to-Maturity) [Table Text Block]
The amortized cost and fair values of investment securities are as follows (in thousands):
 December 31, 2025
 AmortizedCarryingFairGross Unrealized
 Cost
Value1
ValueGainLoss
Municipal securities$88,215 $88,215 $89,343 $1,218 $(90)
Mortgage-backed securities:
Residential agency1,746,715 1,664,175 1,541,608 91 (122,658)
Commercial agency17,257 16,516 16,186 — (330)
Other debt securities15,538 15,538 14,868 — (670)
Total investment securities1,867,725 1,784,444 1,662,005 1,309 (123,748)
Allowance for credit losses(202)(202)— — — 
Investment securities, net of allowance$1,867,523 $1,784,242 $1,662,005 $1,309 $(123,748)
1     Carrying value includes $83 million of net unrealized loss which remains in AOCI in the Consolidated Balance Sheets related to certain securities transferred during the second quarter of 2022 from the Available-for-Sale securities portfolio to the Investment securities portfolio.
 December 31, 2024
 AmortizedCarrying FairGross Unrealized
 Cost
Value1
ValueGainLoss
Municipal securities$104,467 $104,467 $106,489 $2,370 $(348)
Mortgage-backed securities:
Residential agency1,998,017 1,880,473 1,680,800 81 (199,754)
Commercial agency17,257 16,220 15,357 — (863)
Other debt securities16,288 16,288 15,283 — (1,005)
Total investment securities2,136,029 2,017,448 1,817,929 2,451 (201,970)
Allowance for credit losses(223)(223)— — — 
Investment securities, net of allowance$2,135,806 $2,017,225 $1,817,929 $2,451 $(201,970)
1     Carrying value includes $119 million of net unrealized loss which remains in AOCI in the Consolidated Balance Sheets related to certain securities transferred during the second quarter of 2022 from the Available-for-Sale securities portfolio to the Investment securities portfolio.
The amortized cost and fair values of investment securities at December 31, 2025, by contractual maturity, are as shown in the following table (dollars in thousands):
Less than
One Year		One to
Five Years		Six to
Ten Years		Over
Ten Years		Total
Weighted
Average
Maturity1
Fixed maturity debt securities:     
Carrying value$47,686 $58,904 $13,679 $— $120,269 2.01 
Fair value48,320 59,083 12,994 — 120,397  
Residential mortgage-backed securities:      
Carrying value2
    $1,664,175 
Fair value    1,541,608  
Total investment securities:      
Carrying value    $1,784,444  
Fair value    1,662,005  
1Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalty.
2The average expected lives of residential mortgage-backed securities were 4.2 years based upon current prepayment assumptions.


Temporarily Impaired Investment Securities
(Dollars in thousands)
December 31, 2025
 Number of SecuritiesLess Than 12 Months12 Months or LongerTotal
Fair
Value		Unrealized
Loss		Fair
Value		Unrealized
Loss		Fair
Value		Unrealized
Loss
Investment:       
Municipal securities8 $6,566 $8 $3,613 $82 $10,179 $90 
Mortgage-backed securities:
Residential agency115 — — 1,540,535 122,658 1,540,535 122,658 
Commercial agency2 — — 16,186 330 16,186 330 
Other debt securities2 — — 9,355 670 9,355 670 
Total investment securities127 $6,566 $8 $1,569,689 $123,740 $1,576,255 $123,748 

December 31, 2024
 Number of SecuritiesLess Than 12 Months12 Months or LongerTotal
Fair
Value		Unrealized
Loss		Fair
Value		Unrealized
Loss		Fair
Value		Unrealized
Loss
Investment:       
Municipal securities20 $14,485 $65 $7,107 $283 $21,592 $348 
Mortgage-backed securities:
Residential agency116 — — 1,679,889 199,754 1,679,889 199,754 
Commercial agency2 — — 15,357 863 15,357 863 
Other debt securities3 — — 9,271 1,005 9,271 1,005 
Total investment securities141 $14,485 $65 $1,711,624 $201,905 $1,726,109 $201,970 
Available for Sale Securities [Table Text Block]
The amortized cost and fair value of AFS securities are as follows (in thousands):
 December 31, 2025
 AmortizedFairGross Unrealized
 CostValueGainLoss
U.S. Treasury$1,001 $980 $— $(21)
Municipal securities190,917 184,273 — (6,644)
Mortgage-backed securities:    
Residential agency9,593,919 9,598,627 121,838 (117,130)
Residential non-agency712,126 696,028 11,774 (27,872)
Commercial agency3,240,728 3,126,244 7,622 (122,106)
Other debt securities500 473 — (27)
Total available-for-sale securities$13,739,191 $13,606,625 $141,234 $(273,800)
 December 31, 2024
 AmortizedFairGross Unrealized
 CostValueGainLoss
U.S. Treasury$1,000 $945 $— $(55)
Municipal securities240,528 225,568 2 (14,962)
Mortgage-backed securities:   
Residential agency8,895,900 8,639,389 17,936 (274,447)
Residential non-agency814,542 781,209 11,247 (44,580)
Commercial agency3,436,465 3,204,016 726 (233,175)
Other debt securities500 473 — (27)
Total available-for-sale securities$13,388,935 $12,851,600 $29,911 $(567,246)

The amortized cost and fair values of AFS securities at December 31, 2025, by contractual maturity, are as shown in the following table (dollars in thousands):
Less than
One Year		One to
Five Years		Six to
Ten Years		Over
Ten Years		Total
Weighted
Average
Maturity1
Fixed maturity debt securities: 
Amortized cost$454,207 $2,194,856 $314,903 $469,180 $3,433,146 4.92 
Fair value448,064 2,095,957 304,674 463,275 3,311,970 
Residential mortgage-backed securities:     
Amortized cost2
    $10,306,045 
Fair value    10,294,655 
Total available-for-sale securities:      
Amortized cost    $13,739,191  
Fair value    13,606,625  
1Expected maturities may differ from contractual maturities, because borrowers may have the right to call or prepay obligations with or without penalty.
2The average expected lives of residential mortgage-backed securities were 4.0 years based upon current prepayment assumptions.
Sales of AFS securities resulted in gains and losses as follows (in thousands):
Year Ended December 31,
 202520242023
Proceeds$305,729 $839,352 $834,704 
Gross realized gains2,381 2,257 1,180 
Gross realized losses(420)(48,085)(31,816)
Related federal and state income tax expense (benefit)
463 (10,779)(7,206)
Debt Securities, Available for Sale, Unrealized Loss Position [Table Text Block]
Temporarily Impaired Available-for-Sale Securities
(Dollars in thousands)
December 31, 2025
 Number of SecuritiesLess Than 12 Months12 Months or LongerTotal
Fair
Value		Unrealized
Loss		Fair
Value		Unrealized
Loss		Fair
Value		Unrealized
Loss
Available-for-sale:       
U.S. Treasury
1 $— $— $980 $21 $980 $21 
Municipal securities86 1,028 2 180,696 6,642 181,724 6,644 
Mortgage-backed securities:
Residential agency584 741,581 2,373 2,333,685 114,757 3,075,266 117,130 
Residential non-agency31 27,957 16 413,783 27,856 441,740 27,872 
Commercial agency
195 48,588 88 2,553,027 122,018 2,601,615 122,106 
Other debt securities1 — — 473 27 473 27 
Total available-for-sale securities898 $819,154 $2,479 $5,482,644 $271,321 $6,301,798 $273,800 
December 31, 2024
Number of SecuritiesLess Than 12 Months12 Months or LongerTotal
Fair
Value		Unrealized
Loss		Fair
Value		Unrealized
Loss		Fair
Value		Unrealized
Loss
Available-for-sale:     
U.S. Treasury
1 $— $— $945 $55 $945 $55 
Municipal securities113 1,041 13 222,432 14,949 223,473 14,962 
Mortgage-backed securities:
     
Residential agency831 3,561,318 50,102 2,880,641 224,345 6,441,959 274,447 
Residential non-agency36 93,113 1,124 457,701 43,456 550,814 44,580 
Commercial agency
220 190,718 1,878 2,819,206 231,297 3,009,924 233,175 
Other debt securities1 — — 473 27 473 27 
Total available-for-sale securities1,202 $3,846,190 $53,117 $6,381,398 $514,129 $10,227,588 $567,246 
Fair Value Option Securities [Table Text Block]
The fair value and net unrealized gain (loss) included in fair value option securities is as follows (in thousands):
 December 31, 2025December 31, 2024
 Fair ValueNet Unrealized Gain (Loss)Fair ValueNet Unrealized Gain (Loss)
Residential agency mortgage-backed securities$102,096 $(556)$17,876 $(1,662)
v3.25.4
Derivatives (Tables)
 12 Months Ended
Dec. 31, 2025
Derivative Instrument Detail [Abstract]  
Derivative Contracts [Table Text Block]
The following table summarizes the fair values of derivative contracts recorded as Derivative contracts, net assets and liabilities in the Consolidated Balance Sheets at December 31, 2025 (in thousands):
Assets
 
Notional1
Gross Fair ValueNetting AdjustmentsNet Fair Value Before Cash CollateralCash CollateralFair Value Net of Cash Collateral
Customer risk management programs:   
Interest rate contracts$2,869,346 $51,144 $(17,199)$33,945 $(15,783)$18,162 
Energy contracts6,245,552 605,067 (271,825)333,242 (136,933)196,309 
Foreign exchange contracts75,349 60,656 (10)60,646 — 60,646 
Equity option contracts1,593 255 — 255 (50)205 
Total customer risk management programs9,191,840 717,122 (289,034)428,088 (152,766)275,322 
Trading22,332,052 63,803 (38,524)25,279 (1,629)23,650 
Interest rate risk management programs586,991 1,854 (51)1,803 — 1,803 
Total derivative contracts$32,110,883 $782,779 $(327,609)$455,170 $(154,395)$300,775 
Liabilities
 Notional¹Gross Fair ValueNetting AdjustmentsNet Fair Value Before Cash CollateralCash CollateralFair Value Net of Cash Collateral
Customer risk management programs:   
Interest rate contracts$2,869,346 $51,101 $(17,199)$33,902 $(811)$33,091 
Energy contracts6,299,141 576,627 (271,825)304,802 (5,240)299,562 
Foreign exchange contracts75,000 60,293 (10)60,283 — 60,283 
Equity option contracts1,593 255 — 255 — 255 
Total customer risk management programs9,245,080 688,276 (289,034)399,242 (6,051)393,191 
Trading26,544,633 75,573 (38,524)37,049 (34,056)2,993 
Interest rate risk management programs89,972 1,440 (51)1,389 — 1,389 
Total derivative contracts$35,879,685 $765,289 $(327,609)$437,680 $(40,107)$397,573 
1    Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.
The following table summarizes the fair values of derivative contracts recorded as Derivative contracts, net assets and liabilities in the Consolidated Balance Sheets at December 31, 2024 (in thousands):
Assets
 
Notional1
Gross Fair ValueNetting AdjustmentsNet Fair Value Before Cash CollateralCash CollateralFair Value Net of Cash Collateral
Customer risk management programs:   
Interest rate contracts$3,064,418 $82,191 $(5,369)$76,822 $(71,485)$5,337 
Energy contracts7,169,926 521,032 (398,457)122,575 (3,816)118,759 
Foreign exchange contracts80,510 42,792 (395)42,397 (434)41,963 
Equity option contracts1,593 208 — 208 (50)158 
Total customer risk management programs10,316,447 646,223 (404,221)242,002 (75,785)166,217 
Trading19,577,362 132,581 (56,764)75,817 (242)75,575 
Internal risk management programs168 1,017 — 1,017 — 1,017 
Total derivative contracts$29,893,977 $779,821 $(460,985)$318,836 $(76,027)$242,809 
Liabilities
 Notional¹Gross Fair ValueNetting AdjustmentsNet Fair Value Before Cash CollateralCash CollateralFair Value Net of Cash Collateral
Customer risk management programs:   
Interest rate contracts$3,064,418 $82,141 $(5,369)$76,772 $— $76,772 
Energy contracts7,076,929 488,113 (398,457)89,656 (1,020)88,636 
Foreign exchange contracts76,906 39,253 (395)38,858 (380)38,478 
Equity option contracts1,593 208 — 208 — 208 
Total customer risk management programs10,219,846 609,715 (404,221)205,494 (1,400)204,094 
Trading14,196,406 87,082 (56,764)30,318 (1,292)29,026 
Internal risk management programs602,176 4,462 — 4,462 — 4,462 
Total derivative contracts$25,018,428 $701,259 $(460,985)$240,274 $(2,692)$237,582 
1    Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.
Derivative Instruments, Gain (Loss) in Statement of Earnings [Table Text Block]
The following summarizes the pre-tax net gains (losses) on derivative instruments and where they are recorded in the Consolidated Statements of Earnings (in thousands):
 Year Ended December 31,
202520242023
 Brokerage
and Trading Revenue		Gain (Loss)
on Derivatives, Net		Brokerage
and Trading
Revenue		Gain (Loss)
on Derivatives,
Net		Brokerage
and Trading
Revenue		Gain (Loss)
on Derivatives,
Net
Customer risk management programs:    
Interest rate contracts$4,238 $— $5,455 $— $5,531 $— 
Energy contracts23,915 — 21,913 — 30,715 — 
Foreign exchange contracts133 — 370 — 276 — 
Total customer risk management programs28,286 — 27,738 — 36,522 — 
Trading1
(66,172)— 149,613 — (139,235)— 
Internal risk management programs
— 12,281 — (22,461)— (9,921)
Total derivative contracts$(37,886)$12,281 $177,351 $(22,461)$(102,713)$(9,921)
1    Represents changes in fair value of to-be-announced securities and other derivative instruments held to mitigate market risk of trading securities portfolio, which is offset by changes in fair value of trading securities also included in Other operating revenue - brokerage and trading revenue in the Consolidated Statements of Earnings.
v3.25.4
Loans and Allowances for Credit Losses (Tables)
 12 Months Ended
Dec. 31, 2025
Loans and Leases Receivable, Net Amount [Abstract]  
Schedule of the Loans by Portfolio Segment [Table Text Block]
The portfolio segments of the loan portfolio are as follows (in thousands):
 December 31, 2025December 31, 2024
Fixed
Rate		Variable
Rate		Non-accrualTotalFixed
Rate		Variable
Rate
Non-
accrual
Total
Commercial$3,494,944 $11,750,021 $36,102 $15,281,067 $3,450,238 $11,565,251 $14,647 $15,030,136 
Commercial real estate
601,044 5,064,265 6,697 5,672,006 668,532 4,380,015 9,905 5,058,452 
Loans to individuals3,005,502 1,661,326 31,561 4,698,389 2,620,936 1,383,027 22,173 4,026,136 
Total$7,101,490 $18,475,612 $74,360 $25,651,462 $6,739,706 $17,328,293 $46,725 $24,114,724 
Foregone interest on nonaccrual loans
$7,465 $10,061 
Rollforward of Allowance For Loan Losses And Accrual for Off-Balnace Sheet Credit Losses [Table Text Block]
The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the year ended December 31, 2025 is summarized as follows (in thousands):
 CommercialCommercial Real EstateLoans to
Individuals		Total
Allowance for loan losses:    
Beginning balance$145,153 $91,072 $43,810 $280,035 
Provision for loan losses(3,493)(5,117)11,174 2,564 
Loans charged off(5,374)(126)(4,805)(10,305)
Recoveries of loans previously charged off939 291 2,336 3,566 
Ending balance$137,225 $86,120 $52,515 $275,860 
Allowance for off-balance sheet credit risk from unfunded loan commitments:    
Beginning balance$18,046 $31,959 $1,635 $51,640 
Provision for off-balance sheet credit risk
1,677 (1,873)(173)(369)
Ending balance$19,723 $30,086 $1,462 $51,271 

A $2.0 million provision for credit losses was recorded for the year ended December 31, 2025, reflecting the impact of loan growth during the year, partially offset by improvements in portfolio credit quality and economic forecast scenario assumptions.

The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the year ended December 31, 2024 is summarized as follows (in thousands):

 CommercialCommercial Real EstateLoans to
Individuals		Total
Allowance for loan losses:    
Beginning balance$141,232 $94,718 $41,173 $277,123 
Provision for loan losses12,614 (2,481)5,658 15,791 
Loans charged off(11,763)(1,455)(5,617)(18,835)
Recoveries of loans previously charged off3,070 290 2,596 5,956 
Ending balance$145,153 $91,072 $43,810 $280,035 
Allowance for off-balance sheet credit risk from unfunded loan commitments:    
Beginning balance$19,762 $27,439 $1,776 $48,977 
Provision for off-balance sheet credit risk
(1,716)4,520 (141)2,663 
Ending balance$18,046 $31,959 $1,635 $51,640 
The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit is for the year ended December 31, 2023 summarized as follows (in thousands):

 CommercialCommercial Real EstateLoans to IndividualsTotal
Allowance for loan losses:    
Beginning balance$131,586 $57,648 $46,470 $235,704 
Provision for loan losses19,308 42,151 (1,941)59,518 
Loans charged off(12,898)(8,446)(5,972)(27,316)
Recoveries of loans previously charged off
3,236 3,365 2,616 9,217 
Ending balance$141,232 $94,718 $41,173 $277,123 
Allowance for off-balance sheet credit risk from unfunded loan commitments:    
Beginning balance$18,246 $40,490 $2,183 $60,919 
Provision for off-balance sheet credit losses1,516 (13,051)(407)(11,942)
Ending balance$19,762 $27,439 $1,776 $48,977 

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2025 is as follows (in thousands):

 Collectively Measured
for General Allowances		Individually Measured
for Specific Allowances		Total
 Recorded InvestmentRelated AllowanceRecorded InvestmentRelated AllowanceRecorded InvestmentRelated
Allowance
Commercial$15,244,965 $133,232 $36,102 $3,993 $15,281,067 $137,225 
Commercial real estate5,665,309 83,925 6,697 2,195 5,672,006 86,120 
Loans to individuals4,666,828 52,515 31,561 — 4,698,389 52,515 
Total$25,577,102 $269,672 $74,360 $6,188 $25,651,462 $275,860 


The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2024 is as follows (in thousands):

 Collectively Measured
for General Allowances		Individually Measured
for Specific Allowances		Total
 Recorded InvestmentRelated AllowanceRecorded InvestmentRelated AllowanceRecorded InvestmentRelated
Allowance
Commercial$15,015,489 $144,877 $14,647 $276 $15,030,136 $145,153 
Commercial real estate5,048,547 91,072 9,905 — 5,058,452 91,072 
Loans to individuals4,003,963 43,810 22,173 — 4,026,136 43,810 
Total$24,067,999 $279,759 $46,725 $276 $24,114,724 $280,035 
Schedule of Credit Quality Indicators [Table Text Block]
Origination Year
20252024202320222021PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Commercial:
Healthcare
Pass$1,110,851 $460,630 $413,197 $744,765 $298,992 $546,567 $226,298 $9 $3,801,309 
Special Mention— — — 43,576 96 — 5 — 43,677 
Accruing Substandard181 9,589 37,492 4,144 5,170 83,156 — — 139,732 
Nonaccrual— — 14,850 — — 8,638 2 — 23,490 
Total healthcare1,111,032 470,219 465,539 792,485 304,258 638,361 226,305 9 4,008,208 
Loans charged off, year-to-date
— — — — 31 — — — 31 
Services
Pass693,147 462,642 488,381 393,685 265,346 612,098 865,163 491 3,780,953 
Special Mention1,071 4,369 428 — — 20,011 76,565 — 102,444 
Accruing Substandard4,595 218 9,857 1,421 2,136 3,404 754 — 22,385 
Nonaccrual446 29 — 864 — — 4,796 — 6,135 
Total services699,259 467,258 498,666 395,970 267,482 635,513 947,278 491 3,911,917 
Loans charged off, year-to-date
— — — — — — 4,147 21 4,168 
Energy
Pass147,840 58,798 44,882 10,479 2,297 19,500 2,598,446 — 2,882,242 
Total energy147,840 58,798 44,882 10,479 2,297 19,500 2,598,446 — 2,882,242 
Loans charged off, year-to-date
— — — — — — 94 — 94 
General business
Pass845,421 389,679 424,859 179,660 139,664 318,834 2,066,703 1,369 4,366,189 
Special Mention24,882 1,480 6,920 4,288 7,070 2,099 40,873 106 87,718 
Accruing Substandard641 4,338 4,416 5,441 1,466 — 2,014 — 18,316 
Nonaccrual— — 1,445 2,163 72 2,787 — 10 6,477 
Total general business870,944 395,497 437,640 191,552 148,272 323,720 2,109,590 1,485 4,478,700 
Loans charged off, year-to-date
14 — 132 — — — 826 109 1,081 
Total commercial2,829,075 1,391,772 1,446,727 1,390,486 722,309 1,617,094 5,881,619 1,985 15,281,067 
Commercial real estate:
Pass948,049 939,354 476,954 1,670,158 671,080 777,510 107,199 — 5,590,304 
Special Mention— — — 6,405 — 3,949 — — 10,354 
Accruing Substandard
— 484 — 4,971 29,324 29,872 — — 64,651 
Nonaccrual— — — — — 6,697 — — 6,697 
Total commercial real estate948,049 939,838 476,954 1,681,534 700,404 818,028 107,199 — 5,672,006 
Loans charged off, year-to-date— — — 126 — — — — 126 
Origination Year
20252024202320222021PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Loans to individuals:
Residential mortgage
Pass564,508 404,186 265,734 250,169 280,232 452,195 458,006 29,190 2,704,220 
Special Mention— — — 140 10 5,387 1,628 1,298 8,463 
Accruing Substandard— — 72 — — 12 385 — 469 
Nonaccrual95 1,333 1,314 1,594 1,402 7,280 4,465 780 18,263 
Total residential mortgage564,603 405,519 267,120 251,903 281,644 464,874 464,484 31,268 2,731,415 
Loans charged off, year-to-date
— 38 48 — — 56 178 — 320 
Residential mortgage guaranteed by U.S. government agencies
Pass776 3,676 9,453 8,486 2,801 124,581 — — 149,773 
Nonaccrual— — 398 265 — 7,923 — — 8,586 
Total residential mortgage guaranteed by U.S. government agencies
776 3,676 9,851 8,751 2,801 132,504 — — 158,359 
Personal
Pass489,188 188,899 201,427 140,602 101,967 197,075 476,829 282 1,796,269 
Special Mention22 18 46 17 16 4 1,182 — 1,305 
Accruing Substandard6,186 12 — 2 — 129 — — 6,329 
Nonaccrual7 56 4,627 9 12 1 — — 4,712 
Total personal495,403 188,985 206,100 140,630 101,995 197,209 478,011 282 1,808,615 
Loans charged off, year-to-date1
4,325 87 24 19 — 5 25 — 4,485 
Total loans to individuals1,060,782 598,180 483,071 401,284 386,440 794,587 942,495 31,550 4,698,389 
Total loans$4,837,906 $2,929,790 $2,406,752 $3,473,304 $1,809,153 $3,229,709 $6,931,313 $33,535 $25,651,462 
1    Includes charge-offs on deposit overdrafts, which are generally charged off at 60 days past due.
The following table summarizes the Company's loan portfolio at December 31, 2024 by the risk grade categories and vintage (in thousands):
Origination Year
20242023202220212020PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Commercial:
Healthcare
Pass$539,305 $544,103 $896,042 $481,816 $344,609 $644,441 $249,793 $10 $3,700,119 
Special Mention— 15,000 64,895 110 — 32,555 255 — 112,815 
Accruing Substandard— 38,180 5,253 15,529 51,134 29,151 1,635 — 140,882 
Nonaccrual— — 96 463 — 13,158 — — 13,717 
Total healthcare539,305 597,283 966,286 497,918 395,743 719,305 251,683 10 3,967,533 
Loans charged off, year-to-date— — — — — 7,240 — — 7,240 
Services
Pass629,978 625,969 422,015 404,949 187,324 570,775 745,853 379 3,587,242 
Special Mention— 3,324 123 1,537 — 11,796 17,923 — 34,703 
Accruing Substandard— 675 9,030 20 1,217 7,750 1,399 400 20,491 
Nonaccrual— — — — — — 767 — 767 
Total services629,978 629,968 431,168 406,506 188,541 590,321 765,942 779 3,643,203 
Loans charged off, year-to-date— — — — 22 80 9 — 111 
Energy
Pass148,972 46,094 39,050 2,621 6,488 16,989 2,985,161 — 3,245,375 
Accruing Substandard— — — — — — 9,300 — 9,300 
Nonaccrual— — — — — 49 — — 49 
Total energy148,972 46,094 39,050 2,621 6,488 17,038 2,994,461 — 3,254,724 
Loans charged off, year-to-date— — — — — — 226 — 226 
General business
Pass740,440 571,897 267,528 176,468 117,755 319,986 1,862,643 1,938 4,058,655 
Special Mention4,399 5,749 4,285 7,002 224 1,736 3,037 — 26,432 
Accruing Substandard3,980 15,872 43,300 4,764 992 4,708 5,859 — 79,475 
Nonaccrual— 32 — — — 23 — 59 114 
Total general business748,819 593,550 315,113 188,234 118,971 326,453 1,871,539 1,997 4,164,676 
Loans charged off, year-to-date— 27 1,465 — — 166 2,425 103 4,186 
Total commercial2,067,074 1,866,895 1,751,617 1,095,279 709,743 1,653,117 5,883,625 2,786 15,030,136 
Commercial real estate:
Pass436,206 512,614 2,004,558 793,161 233,619 810,497 141,307 — 4,931,962 
Special Mention— 313 14,907 32,131 — — — — 47,351 
Accruing Substandard— — 36,981 — — 32,253 — — 69,234 
Nonaccrual— — — — — 9,905 — — 9,905 
Total commercial real estate436,206 512,927 2,056,446 825,292 233,619 852,655 141,307 — 5,058,452 
Loans charged off, year-to-date— — — — — 1,455 — — 1,455 
Origination Year
20242023202220212020PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Loans to individuals:
Residential mortgage
Pass530,186 338,187 286,865 318,935 314,814 210,251 395,943 22,929 2,418,110 
Special Mention— 167 148 219 — 113 1,767 — 2,414 
Accruing Substandard— — 163 — — 45 898 67 1,173 
Nonaccrual245 1,758 990 522 583 7,420 3,221 522 15,261 
Total residential mortgage530,431 340,112 288,166 319,676 315,397 217,829 401,829 23,518 2,436,958 
Loans charged off, year-to-date— 43 — — — 18 10 — 71 
Residential mortgage guaranteed by U.S. government agencies
Pass462 4,337 6,618 2,432 3,506 112,491 — — 129,846 
Nonaccrual— — — — 280 6,523 — — 6,803 
Total residential mortgage guaranteed by U.S. government agencies
462 4,337 6,618 2,432 3,786 119,014 — — 136,649 
Personal
Pass245,737 149,572 167,272 115,710 107,291 151,030 510,147 2,619 1,449,378 
Special Mention18 17 30 825 8 — 8 — 906 
Accruing Substandard16 — — — 1 129 1,990 — 2,136 
Nonaccrual31 3 30 13 4 5 23 — 109 
Total personal245,802 149,592 167,332 116,548 107,304 151,164 512,168 2,619 1,452,529 
Loans charged off, year-to-date1
5,269 69 101 52 9 — 26 20 5,546 
Total loans to individuals776,695 494,041 462,116 438,656 426,487 488,007 913,997 26,137 4,026,136 
Total loans$3,279,975 $2,873,863 $4,270,179 $2,359,227 $1,369,849 $2,993,779 $6,938,929 $28,923 $24,114,724 
1    Includes charge-offs on deposit overdrafts, which are generally charged off at 60 days past due.
Financing Receivable, Nonaccrual [Table Text Block]
A summary of nonaccruing loans as of December 31, 2025 follows (in thousands): 
 TotalWith No
Allowance		With AllowanceRelated Allowance
Commercial:    
Healthcare$23,490 $18,390 $5,100 $200 
Services6,135 1,339 4,796 1,043 
General business6,477 3,727 2,750 2,750 
Total commercial36,102 23,456 12,646 3,993 
Commercial real estate6,697 — 6,697 2,195 
Loans to individuals:    
Residential mortgage18,263 18,263 — — 
Residential mortgage guaranteed by U.S. government agencies
8,586 8,586 — — 
Personal4,712 4,712 — — 
Total loans to individuals31,561 31,561 — — 
Total$74,360 $55,017 $19,343 $6,188 
The majority of our nonaccruing loans are considered collateral dependent where repayment is expected to be provided through operation or sale of the collateral. Nonaccruing commercial and commercial real estate loans are primarily secured by commercial real estate and nonaccruing residential mortgage loans are secured by residential real estate.
A summary of nonaccruing loans as of December 31, 2024 follows (in thousands):
 TotalWith No
Allowance		With AllowanceRelated Allowance
Commercial:    
Healthcare$13,717 $13,717 $— $— 
Services767 491 276 276 
Energy
49 49 — — 
General business114 114 — — 
Total commercial14,647 14,371 276 276 
Commercial real estate9,905 9,905 — — 
Loans to individuals:    
Residential mortgage15,261 15,261 — — 
Residential mortgage guaranteed by U.S. government agencies
6,803 6,803 — — 
Personal109 109 — — 
Total loans to individuals22,173 22,173 — — 
Total$46,725 $46,449 $276 $276 
Summary of Loans by Aging Status [Table Text Block]
A summary of loans currently performing and past due as of December 31, 2025 is as follows (in thousands):
  Past Due 
 Current30 to 59
Days		60 to 89
Days		90 Days
or More		TotalPast Due 90 Days or More and Accruing
Commercial:    
Healthcare$3,984,720 $— $— $23,488 $4,008,208 $— 
Services3,903,616 3,476 4,796 29 3,911,917 — 
Energy2,882,242 — — — 2,882,242 — 
General business4,469,156 5,702 3,842 — 4,478,700 — 
Total commercial15,239,734 9,178 8,638 23,517 15,281,067 — 
Commercial real estate5,664,492 817 — 6,697 5,672,006 — 
Loans to individuals:    
Permanent mortgage2,714,617 8,570 2,182 6,046 2,731,415 — 
Permanent mortgages guaranteed by U.S. government agencies
47,950 17,975 11,377 81,057 158,359 76,535 
Personal1,799,975 3,463 551 4,626 1,808,615 — 
Total loans to individuals4,562,542 30,008 14,110 91,729 4,698,389 76,535 
Total$25,466,768 $40,003 $22,748 $121,943 $25,651,462 $76,535 
A summary of loans currently performing and past due as of December 31, 2024 is as follows (in thousands):

  Past Due 
 Current30 to 59
Days		60 to 89
Days		90 Days
or More		TotalPast Due 90 Days or More and Accruing
Commercial:    
Healthcare$3,932,142 $25,778 $— $9,613 $3,967,533 $— 
Services3,642,436 — 767 — 3,643,203 — 
Energy3,254,724 — — — 3,254,724 — 
General business4,161,510 3,067 70 29 4,164,676 — 
Total commercial14,990,812 28,845 837 9,642 15,030,136 — 
Commercial real estate5,048,667 — — 9,785 5,058,452 — 
Loans to individuals:    
Permanent mortgage2,416,633 10,930 5,622 3,773 2,436,958 — 
Permanent mortgages guaranteed by U.S. government agencies
45,910 18,514 15,268 56,957 136,649 52,504 
Personal1,451,397 1,061 48 23 1,452,529 — 
Total loans to individuals3,913,940 30,505 20,938 60,753 4,026,136 52,504 
Total$23,953,419 $59,350 $21,775 $80,180 $24,114,724 $52,504 
v3.25.4
Premises and Equipment and Leases Premises and Equipment and Leases (Tables)
 12 Months Ended
Dec. 31, 2025
Property, Plant and Equipment [Abstract]  
Premises and Equipment [Table Text Block]
Premises and equipment at December 31, 2025 and 2024 are summarized as follows (in thousands):
 December 31,
 20252024
Land$68,762 $68,816 
Buildings and improvements540,388 540,832 
Software and related integration264,638 270,991 
Furniture and equipment272,255 245,796 
Construction in progress39,422 45,422 
Premises and equipment1,185,465 1,171,857 
Less: Accumulated depreciation546,529 537,372 
Premises and equipment, net of accumulated depreciation$638,936 $634,485 
Lessee, Operating Lease, Liability, Maturity [Table Text Block]
At December 31, 2025, undiscounted operating lease liabilities are scheduled to mature as follows (in thousands):

2026$34,495 
202732,143 
202830,473 
202929,394 
203027,978 
Thereafter147,895 
Total undiscounted lease payments302,378 
Less: Interest74,258 
Lease liabilities$228,120 
Lease, Cost [Table Text Block]
The following table presents lease expense included in Net occupancy and equipment in the Consolidated Statements of Earnings for the years indicated (in thousands).
Year Ended December 31,
202520242023
Operating lease expense$26,191 $26,800 $25,282 
Variable lease expense14,958 14,962 15,327 
Finance lease expense2,844 3,497 3,592 
Short-term lease expense270 447 283 
v3.25.4
Goodwill and Intangible Assets (Tables)
 12 Months Ended
Dec. 31, 2025
Goodwill and Intangible Assets Disclosure [Abstract]  
Schedule of Finite-Lived Intangible Assets [Table Text Block]
The following table presents the original cost and accumulated amortization of intangible assets (in thousands):
 December 31,
 20252024
Core deposit premiums$103,200 $103,200 
Less: Accumulated amortization83,330 74,654 
Net core deposit premiums19,870 28,546 
Other identifiable intangible assets50,044 51,671 
Less: Accumulated amortization35,162 33,429 
Net other identifiable intangible assets14,882 18,242 
Total intangible assets, net$34,752 $46,788 
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]
Expected amortization expense for intangible assets that will continue to be amortized (in thousands):
Core
Deposit
Premiums		Other
Identifiable
Intangible Assets		Total
2026$7,986 $1,521 $9,507 
20276,956 1,336 8,292 
20284,928 1,044 5,972 
2029— 1,010 1,010 
2030— 982 982 
Thereafter— 8,989 8,989 
Total
$19,870 $14,882 $34,752 
Schedule of Goodwill [Table Text Block]
The carrying value of goodwill by operating segment is as follows (in thousands):
 Commercial BankingConsumer BankingWealth
Management		Funds Management and OtherTotal
Balance, December 31, 2023$910,589 $43,458 $90,702 $— $1,044,749 
Balance, December 31, 2024910,589 43,458 90,702 — 1,044,749 
Balance, December 31, 2025910,589 43,458 90,702 — 1,044,749 
v3.25.4
Mortgage Banking Activities (Tables)
 12 Months Ended
Dec. 31, 2025
Mortgage Banking [Abstract]  
Components of Residential Mortgage Loans Held For Sale [Table Text Block]
The unpaid principal balance of residential mortgage loans held for sale, notional amounts of derivative contracts related to residential mortgage loan commitments, and forward contract sales with their related fair values included in Mortgage loans held for sale on the Consolidated Balance Sheets were (in thousands):
 December 31, 2025December 31, 2024
 Unpaid Principal Balance/
Notional		Fair ValueUnpaid Principal Balance/
Notional		Fair Value
Residential mortgage loans held for sale$93,110 $93,133 $77,080 $75,969 
Residential mortgage loan commitments49,048 1,729 36,590 1,119 
Forward sales contracts100,500 (232)82,000 473 
  $94,630  $77,561 

No residential mortgage loans held for sale were 90 days or more past due or considered impaired as of December 31, 2025 or December 31, 2024. No credit losses were recognized on residential mortgage loans held for sale for the years ended December 31, 2025, 2024 and 2023.
Mortgage Banking Revenue [Table Text Block]
Mortgage banking revenue was as follows (in thousands):
 Year Ended
 202520242023
Production revenue:  
Net realized gain (loss) on sales of mortgage loans$7,630 $8,271 $(5,021)
Net change in unrealized gain (loss) on mortgage loans held for sale1,134 (646)538 
Net change in the fair value of mortgage loan commitments610 (260)325 
Net change in the fair value of forward sales contracts(705)1,374 (1,181)
Total mortgage production revenue8,669 8,739 (5,339)
Servicing revenue68,916 65,368 61,037 
Total mortgage banking revenue$77,585 $74,107 $55,698 
Summary of Mortgage Servicing Rights [Table Text Block]
The following represents a summary of mortgage servicing rights (dollars in thousands):
December 31,
 202520242023
Number of residential mortgage loans serviced for others123,263 125,728 115,967 
Outstanding principal balance of residential mortgage loans serviced for others$21,760,414 $22,269,513 $20,382,192 
Weighted average interest rate3.83 %3.73 %3.64 %
Remaining contractual term (in months)270276280
Activity in Capitalized Mortgage Servicing Rights [Table Text Block]
Activity in capitalized mortgage servicing rights during the three years ended December 31, 2025 is as follows (in thousands):
Balance, December 31, 2022$277,608 
Additions12,142 
Acquisitions34,593 
Change in fair value due to principal payments(27,344)
Change in fair value due to market assumption changes(3,115)
Balance, December 31, 2023293,884 
Additions14,976 
Acquisitions41,655 
Change in fair value due to principal payments(30,807)
Change in fair value due to market assumption changes18,437 
Balance, December 31, 2024338,145 
Additions13,066 
Acquisitions14,615 
Change in fair value due to principal payments(29,875)
Change in fair value due to market assumption changes(13,227)
Balance, December 31, 2025$322,724 
Assumptions to Value Mortgage Servicing Rights [Table Text Block] Significant assumptions used to determine fair value considered to be significant unobservable inputs were as follows:
December 31,
 20252024
Discount rate – risk-free rate plus a market premium9.31%9.60%
Prepayment rate - based upon loan interest rate, original term, and loan type7.07%7.09%
Loan servicing costs – annually per loan based upon loan type:
Performing loans
$73 - $94
$73 - $94
Delinquent loans
$150 - $500
$150 - $500
Loans in foreclosure
$875 - $6,000
$875 - $6,000
Primary/secondary mortgage rate spread
128 bps115 bps
Escrow earnings rate – indexed to rates paid on deposit accounts with a comparable average life3.66%4.44%
Delinquency rate
2.28%2.19%
v3.25.4
Deposits (Tables)
 12 Months Ended
Dec. 31, 2025
Deposits [Abstract]  
Interest Expense on Deposits Disclosure [Table Text Block]
Interest expense on deposits is summarized as follows (in thousands):
 
Year Ended December 31,
 202520242023
Transaction deposits$814,145 $861,538 $540,068 
Savings4,683 4,845 2,913 
Total time136,943 159,346 83,616 
Total$955,771 $1,025,729 $626,597 
v3.25.4
Other Borrowed Funds Other Borrowed Funds (Tables)
 12 Months Ended
Dec. 31, 2025
Debt Disclosure [Abstract]  
Schedule of Other Borrowed Funds [Table Text Block]
Information relating to other borrowings is summarized as follows (dollars in thousands):
 As ofYear Ended
December 31, 2025December 31, 2025
BalanceRateAverage BalanceRateMaximum
Outstanding
At Any
Month End
Funds purchased$970,293 3.54 %$679,310 3.82 %$1,162,990 
Repurchase agreements521,423 1.82 %265,462 2.08 %521,423 
Other borrowings:
Federal Home Loan Bank advances2,700,000 3.91 %4,632,535 4.47 %4,100,000 
GNMA repurchase liability34,215 3.99 %27,625 3.91 %34,215 
Other11,724 4.21 %12,187 7.90 %20,863 
Total other borrowings2,745,939 4,672,347 4.48 %
Subordinated debentures1
396,589 6.11 %118,108 6.26 %396,878 
Total other borrowed funds$4,634,244 $5,735,227 4.33 %
1    BOKF, NA only as of December 31, 2025. Parent Company and BOKF, NA for average for the year ended December 31, 2025.

 As ofYear Ended
December 31, 2024December 31, 2024
BalanceRateAverage BalanceRateMaximum
Outstanding
At Any
Month End
Funds purchased$615,809 4.21 %$613,294 4.66 %$899,447 
Repurchase agreements677,047 1.45 %682,699 3.49 %1,627,169 
Other borrowings:
Federal Home Loan Bank advances3,000,000 4.58 %6,181,011 5.45 %6,700,000 
GNMA repurchase liability17,628 3.83 %13,914 4.17 %17,628 
Other12,495 4.78 %13,729 6.04 %14,800 
Total other borrowings3,030,123 6,208,654 5.45 %
Subordinated debentures2
131,200 6.43 %131,163 7.03 %131,200 
Total other borrowed funds$4,454,179 $7,635,810 5.24 %
2 Parent Company only.

As ofYear Ended
December 31, 2023December 31, 2023
BalanceRateAverage BalanceRateMaximum
Outstanding
At Any
Month End
Funds purchased$515,747 5.17 %$847,676 4.83 %$1,711,580 
Repurchase agreements607,001 1.70 %1,805,978 4.32 %4,433,480 
Other borrowings:
Federal Home Loan Bank advances7,675,000 5.51 %5,948,863 5.28 %7,875,000 
GNMA repurchase liability11,660 4.13 %11,224 4.04 %12,414 
Other14,892 5.50 %19,008 3.91 %26,311 
Total other borrowings7,701,552 5,979,095 5.28 %
Subordinated debentures2
131,150 6.93 %131,155 6.83 %131,164 
Total other borrowed funds$8,955,450 $8,763,904 5.06 %
2 Parent Company only.
Schedule of Maturities of Other Borrowed Funds [Table Text Block]
Aggregate annual principal repayments at December 31, 2025 are as follows (in thousands):
2026$4,230,892 
20272,248 
2028200 
2029— 
2030— 
Thereafter400,904 
Total$4,634,244 
v3.25.4
Federal and State Income Taxes (Tables)
 12 Months Ended
Dec. 31, 2025
Income Tax Disclosure [Abstract]  
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]
Deferred income taxes reflect the net tax effects of temporary differences between the carrying amounts of assets and liabilities for financial reporting purposes and the amounts used for income tax purposes. Significant components of deferred tax assets and liabilities are as follows (in thousands):
December 31,
20252024
Deferred tax assets:
Available-for-sale securities mark to market$51,019 $154,277 
Credit loss reserves76,937 78,016 
Lease liability53,274 58,399 
Compensation and employee benefits56,512 51,545 
Loan origination fees, net3,954 4,442 
Other20,799 25,918 
Total deferred tax assets262,495 372,597 
Deferred tax liabilities:
Right-of-use asset44,323 49,249 
Mortgage servicing rights35,971 35,464 
Goodwill and intangibles19,734 20,619 
Depreciation23,038 5,878 
Lease financing4,684 9,342 
Other11,359 20,176 
Total deferred tax liabilities139,109 140,728 
Net deferred tax assets
$123,386 $231,869 
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]
The significant components of the provision for income taxes attributable to continuing operations for BOK Financial, all of which are in the United States, are shown below (in thousands):
Year Ended December 31,
202520242023
Current income tax expense:
Federal$137,146 $116,663 $152,600 
State20,269 18,148 19,298 
Total current income tax expense157,415 134,811 171,898 
Deferred income tax expense (benefit):
Federal4,179 7,632 (17,973)
State1,046 648 (1,810)
Total deferred income tax expense (benefit)5,225 8,280 (19,783)
Total income tax expense$162,640 $143,091 $152,115 
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]
The reconciliations of income attributable to continuing operations, at the U.S. federal statutory tax rate, to income tax expense are as follows (dollars in thousands):
Year Ended December 31,
 202520242023
Federal statutory tax$155,530 21.0 %$139,996 21.0 %$143,482 21.0 %
State income taxes, net of federal benefit1
16,742 2.3 %15,055 2.3 %13,330 2.0 %
Tax credits, net of proportional amortization:
Low-income housing tax credits, net
(6,772)(0.9)%(7,371)(1.1)%(1,805)(0.3)%
Other tax credits, net(2,523)(0.3)%(1,486)(0.2)%(868)(0.1)%
Nontaxable or nondeductible items:
Tax exempt revenue(7,073)(1.0)%(6,341)(1.0)%(5,786)(0.8)%
Other adjustments
6,773 0.9 %3,857 0.6 %4,444 0.7 %
Changes in unrecognized tax benefit
(917)(0.1)%(1,433)(0.2)%(905)(0.1)%
Other, net880 0.1 %814 0.1 %223 (0.1)%
Total income tax expense and effective tax rate$162,640 22.0 %$143,091 21.5 %$152,115 22.3 %
1    State taxes in OK, CO, and AZ, and OK, CO, and NYC, and OK and CO make up more than 50 percent of the tax effect in this category for tax years 2025, 2024, and 2023, respectively.
Schedule of Unrecognized Tax Benefits Roll Forward [Table Text Block]
A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows (in thousands):
202520242023
Balance as of January 1$16,499 $17,957 $19,583 
Additions for tax for current year positions3,548 3,397 3,239 
Lapses of applicable statute of limitations(4,311)(4,855)(4,865)
Balance as of December 31$15,736 $16,499 $17,957 
v3.25.4
Share-Based Compensation Plans (Tables)
 12 Months Ended
Dec. 31, 2025
Share-Based Payment Arrangement [Abstract]  
Schedule of Nonvested Share Activity [Table Text Block] The following represents a summary of the non-vested shares for the three years ended December 31, 2025:
Restricted StockRestricted Stock Units
 SharesWeighted
Average
Grant Date
Fair Value		UnitsWeighted
Average
Grant Date
Fair Value
Non-vested at January 1, 2023492,884 51,010 
Granted180,178 $97.56 7,275 $102.35 
Vested(103,515)82.85 (6,894)77.36 
Forfeited(30,557)95.17 — — 
Non-vested at December 31, 2023538,990 51,391 
Granted236,834 $83.44 1,833 $81.79 
Vested(116,962)73.12 (5,271)88.25 
Forfeited(34,399)92.34 — — 
Non-vested at December 31, 2024624,463 47,953 
Granted241,245 $109.80 2,037 $111.49 
Vested(171,125)106.47 (8,372)103.79 
Forfeited(38,302)95.32 — — 
Non-vested at December 31, 2025656,281 41,618 
v3.25.4
Related Parties Related Parties (Tables)
 12 Months Ended
Dec. 31, 2025
Related Party Transactions [Abstract]  
Schedule of Related Party Transactions [Table Text Block]
Activity in loans to related parties is summarized as follows (in thousands):
Year Ended December 31,
 20252024
Beginning balance$181,648 $204,409 
Advances1,147,686 1,110,043 
Payments(1,041,582)(1,131,474)
Adjustments1
(1,142)(1,330)
Ending balance$286,610 $181,648 
1 Adjustments generally consist of changes in status as a related party.
v3.25.4
Shareholders' Equity (Tables)
 12 Months Ended
Dec. 31, 2025
Stockholders' Equity Note [Abstract]  
Summary of Regulatory Capital Levels [Table Text Block]
A summary of regulatory capital minimum requirements and levels follows (dollars in thousands):
Minimum Capital RequirementCapital Conservation BufferMinimum Capital Requirement Including Capital Conservation BufferWell Capitalized Bank RequirementDecember 31, 2025December 31, 2024
Ratio
Ratio
Ratio
Ratio
Amount
Ratio
Amount
Ratio
Common Equity Tier 1 Capital (to Risk Weighted Assets):
Consolidated4.50%2.50%7.00%N/A$5,024,754 12.90 %$4,992,810 13.03 %
BOKF, NA4.50%N/A4.50%6.50%4,640,108 12.02 %4,615,811 12.23 %
Tier 1 Capital (to Risk Weighted Assets):
Consolidated6.00%2.50%8.50%N/A$5,026,789 12.90 %$4,995,414 13.04 %
BOKF, NA6.00%N/A6.00%8.00%4,640,108 12.02 %4,615,811 12.23 %
Total Capital (to Risk Weighted Assets):
  
Consolidated
8.00%2.50%10.50%N/A$5,753,645 14.77 %$5,445,399 14.21 %
BOKF, NA
8.00%N/A8.00%10.00%5,419,056 14.04 %4,999,728 13.25 %
Leverage (Tier 1 Capital to Average Assets):
Consolidated4.00%N/A4.00%N/A$5,026,789 9.86 %$4,995,414 9.97 %
BOKF, NA4.00%N/A4.00%5.00%4,640,108 9.14 %4,615,811 9.26 %
Accumulated Other Comprehensive Income (Loss) [Table Text Block]
A rollforward of the components of accumulated other comprehensive income (loss) is included as follows (in thousands):
Unrealized Gain (Loss) on
Available-for-Sale SecuritiesInvestment Securities Transferred from AFSTotal
Balance, December 31, 2022$(664,618)$(172,337)$(836,955)
Net change in unrealized gain (loss)218,293 — 218,293 
Reclassification adjustments included in earnings:
Interest revenue, Investment securities— 60,394 60,394 
Loss on available-for-sale securities, net30,636 — 30,636 
Other comprehensive income (loss), before income taxes
248,929 60,394 309,323 
Federal and state income tax57,523 13,945 71,468 
Other comprehensive income (loss), net of income taxes191,406 46,449 237,855 
Balance, December 31, 2023(473,212)(125,888)(599,100)
Net change in unrealized gain (loss)
33,461 — 33,461 
Reclassification adjustments included in earnings:
Interest revenue, Investment securities— 46,020 46,020 
Loss on available-for-sale securities, net45,828 — 45,828 
Other comprehensive income (loss), before income taxes
79,289 46,020 125,309 
Federal and state income tax18,425 10,824 29,249 
Other comprehensive income (loss), net of income taxes60,864 35,196 96,060 
Balance, December 31, 2024(412,348)(90,692)(503,040)
Net change in unrealized gain (loss)
406,730 — 406,730 
Reclassification adjustments included in earnings:
Interest revenue, Investment securities— 35,300 35,300 
Gain on available-for-sale securities, net
(1,961)— (1,961)
Other comprehensive income (loss), before income taxes
404,769 35,300 440,069 
Federal and state income tax94,990 8,209 103,199 
Other comprehensive income (loss), net of income taxes309,779 27,091 336,870 
Balance, December 31, 2025$(102,569)$(63,601)$(166,170)
v3.25.4
Earnings Per Share (Tables)
 12 Months Ended
Dec. 31, 2025
Earnings Per Share [Abstract]  
Earnings Per Share [Table Text Block]
The following table presents the computation of basic and diluted earnings per share (dollars in thousands, except per share data):
Year Ended
202520242023
Numerator:  
Net income attributable to BOK Financial Corp. shareholders$577,990 $523,569 $530,746 
Less: Earnings allocated to participating securities4,009 4,991 4,253 
Income available to common shareholders - basic and diluted$573,981 $518,578 $526,493 
Denominator:
Weighted average shares outstanding - basic and diluted62,622,386 63,745,088 65,651,569 
Basic and diluted earnings per share$9.17 $8.14 $8.02 
v3.25.4
Reportable Segments (Tables)
 12 Months Ended
Dec. 31, 2025
Segment Reporting [Abstract]  
Reportable Segments [Table Text Block]
Reportable segments reconciliation to the Consolidated Financial Statements for the year ended December 31, 2025 is as follows (in thousands):
 CommercialConsumerWealth
Management		Segment TotalFunds Management and Other
BOK
Financial
Corporation
Net interest income from external sources$948,465 $55,150 $69,781 $1,073,396 $253,948 $1,327,344 
Net interest income (expense) from internal sources(234,944)175,830 107,252 48,138 (48,138)— 
Net interest income713,521 230,980 177,033 1,121,534 205,810 1,327,344 
Net loans charged off and provision for credit losses3,715 4,892 (25)8,582 (6,582)2,000 
Net interest income after provision for credit losses709,806 226,088 177,058 1,112,952 212,392 1,325,344 
Other operating revenue
269,195 149,938 427,612 846,745 1,385 848,130 
Personnel expense204,213 102,226 280,614 587,053 290,916 877,969 
Non-personnel expense
120,476 139,296 112,629 372,401 182,486 554,887 
Total other operating expense324,689 241,522 393,243 959,454 473,402 1,432,856 
Corporate allocations
70,106 58,092 58,657 186,855 (186,855)— 
Net income before taxes$584,206 $76,412 $152,770 $813,388 $(72,770)$740,618 
Average assets$21,616,765 $8,321,005 $11,369,530 41,307,300 $10,399,606 $51,706,906 
Reportable segments reconciliation to the Consolidated Financial Statements for the year ended December 31, 2024 is as follows (in thousands):
 CommercialConsumerWealth
Management		Segment TotalFunds Management and Other
BOK
Financial
Corporation
Net interest income from external sources$1,078,190 $25,946 $11,266 $1,115,402 $95,356 $1,210,758 
Net interest income (expense) from internal sources(263,094)234,101 117,962 88,969 (88,969)— 
Net interest income815,096 260,047 129,228 1,204,371 6,387 1,210,758 
Net loans charged off and provision for credit losses8,850 5,827 (184)14,493 3,507 18,000 
Net interest income after provision for credit losses806,246 254,220 129,412 1,189,878 2,880 1,192,758 
Other operating revenue
222,584 140,005 462,679 825,268 14,373 839,641 
Personnel expense191,398 98,667 263,686 553,751 257,488 811,239 
Non-personnel expense
117,216 127,597 114,551 359,364 195,152 554,516 
Total other operating expense308,614 226,264 378,237 913,115 452,640 1,365,755 
Corporate allocations
68,970 55,737 57,073 181,780 (181,780)— 
Net income before taxes$651,246 $112,224 $156,781 $920,251 $(253,607)$666,644 
Average assets$21,751,103 $8,112,293 $10,772,189 40,635,585 $10,113,913 $50,749,498 


Reportable segments reconciliation to the Consolidated Financial Statements for the year ended December 31, 2023 is as follows (in thousands):
 CommercialConsumerWealth
Management		Segment TotalFunds Management and Other
BOK
Financial
Corporation
Net interest income from external sources$1,178,506 $59,962 $30,020 $1,268,488 $3,692 $1,272,180 
Net interest income (expense) from internal sources(305,107)207,058 88,998 (9,051)9,051 — 
Net interest income873,399 267,020 119,018 1,259,437 12,743 1,272,180 
Net loans charged off and provision for credit losses13,967 5,157 (50)19,074 26,926 46,000 
Net interest income after provision for credit losses859,432 261,863 119,068 1,240,363 (14,183)1,226,180 
Other operating revenue
247,001 105,793 506,447 859,241 (69,292)789,949 
Personnel expense193,455 89,472 250,671 533,598 233,012 766,610 
Non-personnel expense
124,926 122,642 100,796 348,364 217,907 566,271 
Total other operating expense318,381 212,114 351,467 881,962 450,919 1,332,881 
Corporate allocations
75,037 48,565 54,401 178,003 (178,003)— 
Net income before taxes$713,015 $106,977 $219,647 $1,039,639 $(356,391)$683,248 
Average assets$21,003,551 $8,040,602 $9,883,180 $38,927,333 $9,316,821 $48,244,154 
v3.25.4
Fees and Commission Revenue Fees and Commissions Revenue (Tables)
 12 Months Ended
Dec. 31, 2025
Revenue from Contract with Customer [Abstract]  
Disaggregation of Fees and Commissions Revenue [Table Text Block]
Fees and commissions revenue by reportable segment and primary service line is as follows for the year ended December 31, 2025 (in thousands):
CommercialConsumerWealth ManagementFunds Management and Other
BOK Financial Corporation
Out of Scope1
In Scope2
Trading revenue$— $— $58,966 $— $58,966 $58,966 $— 
Customer hedging revenue
14,519 — 12,335 1,432 28,286 28,286 — 
Retail brokerage revenue
— — 21,434 — 21,434 — 21,434 
Investment banking revenue
19,496 — 31,560 — 51,056 18,947 32,109 
Brokerage and trading revenue
34,015 — 124,295 1,432 159,742 106,199 53,543 
TransFund EFT network revenue94,703 3,082 (69)6 97,722 — 97,722 
Merchant services revenue9,775 31 — — 9,806 — 9,806 
Corporate card revenue8,417 — 1,355 380 10,152 — 10,152 
Transaction card revenue112,895 3,113 1,286 386 117,680 — 117,680 
Personal trust revenue— — 111,364 — 111,364 — 111,364 
Corporate trust revenue— — 45,518 — 45,518 — 45,518 
Institutional trust & retirement plan services revenue
— — 75,309 — 75,309 — 75,309 
Investment management services and other
— — 24,970 — 24,970 — 24,970 
Fiduciary and asset management revenue— — 257,161 — 257,161 — 257,161 
Commercial account service charge revenue
68,210 2,298 2,533 4 73,045 — 73,045 
Overdraft fee revenue121 22,574 189 (9)22,875 — 22,875 
Check card revenue
— 23,764 — — 23,764 — 23,764 
Automated service charge and other deposit fee revenue
1,007 4,562 278 (2)5,845 — 5,845 
Deposit service charges and fees
69,338 53,198 3,000 (7)125,529 — 125,529 
Mortgage production revenue— 8,669 — — 8,669 8,669 — 
Mortgage servicing revenue— 72,529 — (3,613)68,916 68,916 — 
Mortgage banking revenue— 81,198 — (3,613)77,585 77,585 — 
Other revenue16,724 11,744 41,870 (7,295)63,043 35,256 27,787 
Total fees and commissions revenue
$232,972 $149,253 $427,612 $(9,097)$800,740 $219,040 $581,700 
1     Out of scope revenue generally relates to financial instruments or contractual rights and obligations within the scope of other applicable accounting guidance.
2    In scope revenue represents revenue subject to FASB ASC Topic 606, Revenue from Contracts with Customers.
Fees and commissions revenue by reportable segment and primary service line is as follows for the year ended December 31, 2024 (in thousands):
CommercialConsumerWealth ManagementFunds Management and Other
BOK Financial Corporation
Out of Scope1
In Scope2
Trading revenue$— $— $121,854 $— $121,854 $121,854 $— 
Customer hedging revenue
14,795 — 11,169 1,774 27,738 27,738 — 
Retail brokerage revenue
— — 19,428 — 19,428 — 19,428 
Investment banking revenue
17,314 — 31,758 — 49,072 15,681 33,391 
Brokerage and trading revenue
32,109 — 184,209 1,774 218,092 165,273 52,819 
TransFund EFT network revenue88,089 3,104 (77)6 91,122 — 91,122 
Merchant services revenue9,371 32 — — 9,403 — 9,403 
Corporate card revenue7,366 — 615 359 8,340 — 8,340 
Transaction card revenue104,826 3,136 538 365 108,865 — 108,865 
Personal trust revenue— — 102,689 — 102,689 — 102,689 
Corporate trust revenue— — 37,524 — 37,524 — 37,524 
Institutional trust & retirement plan services revenue
— — 67,175 — 67,175 — 67,175 
Investment management services and other
— — 23,472 — 23,472 — 23,472 
Fiduciary and asset management revenue
— — 230,860 — 230,860 — 230,860 
Commercial account service charge revenue
61,818 2,185 2,299 — 66,302 — 66,302 
Overdraft fee revenue121 22,081 143 5 22,350 — 22,350 
Check card revenue
— 23,949 — — 23,949 — 23,949 
Automated service charge and other deposit fee revenue
1,058 4,783 306 (3)6,144 — 6,144 
Deposit service charges and fees
62,997 52,998 2,748 2 118,745 — 118,745 
Mortgage production revenue— 8,739 — — 8,739 8,739 — 
Mortgage servicing revenue— 68,340 — (2,972)65,368 65,368 — 
Mortgage banking revenue— 77,079 — (2,972)74,107 74,107 — 
Other revenue16,858 11,905 44,324 (13,733)59,354 35,686 23,668 
Total fees and commissions revenue
$216,790 $145,118 $462,679 $(14,564)$810,023 $275,066 $534,957 
1     Out of scope revenue generally relates to financial instruments or contractual rights and obligations within the scope of other applicable accounting guidance.
2    In scope revenue represents revenue subject to FASB ASC Topic 606, Revenue from Contracts with Customers.
Fees and commissions revenue by reportable segment and primary service line is as follows for the year ended December 31, 2023 (in thousands):
CommercialConsumerWealth ManagementFunds Management and Other
BOK Financial Corporation
Out of Scope1
In Scope2
Trading revenue$— $— $134,511 $— $134,511 $134,511 $— 
Customer hedging revenue
33,307 — (102)3,317 36,522 36,522 — 
Retail brokerage revenue
— — 15,908 — 15,908 — 15,908 
Insurance brokerage revenue
— — 10,679 — 10,679 — 10,679 
Investment banking revenue
17,079 — 25,911 — 42,990 15,525 27,465 
Brokerage and trading revenue
50,386 — 186,907 3,317 240,610 186,558 54,052 
TransFund EFT network revenue86,046 3,513 (69)6 89,496 — 89,496 
Merchant services revenue9,172 34 — — 9,206 — 9,206 
Corporate card revenue7,014 — 713 429 8,156 — 8,156 
Transaction card revenue102,232 3,547 644 435 106,858 — 106,858 
Personal trust revenue— — 95,070 — 95,070 — 95,070 
Corporate trust revenue— — 31,228 — 31,228 — 31,228 
Institutional trust & retirement plan services revenue
— — 58,692 — 58,692 — 58,692 
Investment management services and other
— — 22,349 (21)22,328 — 22,328 
Fiduciary and asset management revenue
— — 207,339 (21)207,318 — 207,318 
Commercial account service charge revenue
53,670 2,070 1,969 — 57,709 — 57,709 
Overdraft fee revenue109 20,753 139 3 21,004 — 21,004 
Check card revenue
— 23,463 — — 23,463 — 23,463 
Automated service charge and other deposit fee revenue
1,056 5,076 206 — 6,338 — 6,338 
Deposit service charges and fees
54,835 51,362 2,314 3 108,514 — 108,514 
Mortgage production revenue— (5,339)— — (5,339)(5,339)— 
Mortgage servicing revenue— 63,431 — (2,394)61,037 61,037 — 
Mortgage banking revenue— 58,092 — (2,394)55,698 55,698 — 
Other revenue26,881 10,731 78,243 (53,735)62,120 34,282 27,838 
Total fees and commissions revenue
$234,334 $123,732 $475,447 $(52,395)$781,118 $276,538 $504,580 
1     Out of scope revenue generally relates to financial instruments or contractual rights and obligations within the scope of other applicable accounting guidance.
2    In scope revenue represents revenue subject to FASB ASC Topic 606, Revenue from Contracts with Customers.
v3.25.4
Fair Value Measurements (Tables)
 12 Months Ended
Dec. 31, 2025
Fair Value Disclosures [Abstract]  
Fair Value Assets And Liabilities Measured On A Recurring Basis [Table Text Block]
The fair value of financial assets and liabilities that are measured on a recurring basis is as follows as of December 31, 2025 (in thousands):
 TotalQuoted Prices in Active Markets for Identical InstrumentsSignificant Other Observable InputsSignificant Unobservable Inputs
Assets:    
Trading securities:
U.S. government securities$9,237 $— $9,237 $— 
Residential agency mortgage-backed securities5,307,849 — 5,307,849 — 
Municipal securities39,233 — 39,233 — 
Other trading securities36,426 — 36,426 — 
Total trading securities5,392,745 — 5,392,745 — 
Available-for-sale securities:    
U.S. Treasury securities
980 980 — — 
Municipal securities184,273 — 184,273 — 
Residential agency mortgage-backed securities9,598,627 — 9,598,627 — 
Residential non-agency mortgage-backed securities696,028 — 696,028 — 
Commercial agency mortgage-backed securities3,126,244 — 3,126,244 — 
Other debt securities473 — — 473 
Total available-for-sale securities13,606,625 980 13,605,172 473 
Fair value option securities — Residential agency mortgage-backed securities102,096 — 102,096 — 
Residential mortgage loans held for sale1
94,630 — 88,335 6,295 
Mortgage servicing rights, net2
322,724 — — 322,724 
Derivative contracts, net of cash margin3
300,775 1,022 299,753 — 
Liabilities: 
Derivative contracts, net of cash margin3
397,573 12 397,561 — 
1Residential mortgage loans held for sale measured at fair value on a recurring basis using significant unobservable inputs (Level 3) consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards and are valued at 82.84% of the unpaid principal balance.
2A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 7, "Mortgage Banking Activities".
3See Note 3 for detail of fair value of derivative contracts by contract type. Derivative contracts in asset and liability positions that were valued based on quoted prices in active markets for identical instruments (Level 1) are primarily exchange-traded interest rate derivative contracts held for trading and internal risk management purposes.
The fair value of financial assets and liabilities that are measured on a recurring basis is as follows as of December 31, 2024 (in thousands):
 TotalQuoted Prices in Active Markets for Identical InstrumentsSignificant Other Observable InputsSignificant Unobservable Inputs
Assets:    
Trading securities:
U.S. government securities$21,275 $1,494 $19,781 $— 
Residential agency mortgage-backed securities4,792,695 — 4,792,695 — 
Municipal securities62,230 — 62,230 — 
Other trading securities22,890 — 22,890 — 
Total trading securities4,899,090 1,494 4,897,596 — 
Available-for-sale securities:    
U.S. Treasury securities
945 945 — — 
Municipal securities225,568 — 225,568 — 
Residential agency mortgage-backed securities8,639,389 — 8,639,389 — 
Residential non-agency mortgage-backed securities781,209 — 781,209 — 
Commercial agency mortgage-backed securities3,204,016 — 3,204,016 — 
Other debt securities473 — — 473 
Total available-for-sale securities12,851,600 945 12,850,182 473 
Fair value option securities — Residential agency mortgage-backed securities17,876 — 17,876 — 
Residential mortgage loans held for sale1
77,561 — 70,564 6,997 
Mortgage servicing rights, net2
338,145 — — 338,145 
Derivative contracts, net of cash margin3
242,809 656 242,153 — 
Liabilities: 
Derivative contracts, net of cash margin3
237,582 3,391 234,191 — 
1Residential mortgage loans held for sale measured at fair value on a recurring basis using significant unobservable inputs (Level 3) consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards and are valued at 81.11% of the unpaid principal balance.
2A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 7, "Mortgage Banking Activities".
3See Note 3 for detail of fair value of derivative contracts by contract type. Derivative contracts in asset and liability positions that were valued based on quoted prices in active markets for identical instruments (Level 1) are primarily exchange-traded interest rate derivative contracts held for trading and internal risk management purposes.
Fair Value Assets Measured on Nonrecurring Basis [Table Text Block]
The following represents the carrying value of assets measured at fair value on a non-recurring basis and related losses recorded during the year. The carrying value represents only those assets at the balance sheet date for which the fair value was adjusted during the year:
 Carrying Value at December 31, 2025Fair Value Adjustments for the Year Ended December 31, 2025 Recognized In:
 Quoted Prices
in Active Markets for Identical Instruments		Significant
Other
Observable
Inputs		Significant
Unobservable
Inputs		Gross charge-offs against allowance for loan lossesOther gains (losses), net
Nonaccruing loans$— $381 $4,802 $3,702 $— 
 
 Carrying Value at December 31, 2024Fair Value Adjustments for the Year Ended December 31, 2024 Recognized In:
 Quoted Prices
in Active Markets for Identical Instruments		Significant
Other
Observable
Inputs		Significant
Unobservable
Inputs		Gross charge-offs against allowance for loan lossesOther gains (losses), net
Nonaccruing loans$— $683 $5,100 $6,788 $— 
Real estate and other repossessed assets— 1,961 — — (183)
Fair Value Inputs, Fair Value Measured On a Nonrecurring Basis, Quantitative Information [Table Text Block]
A summary of quantitative information about Non-recurring Fair Value Measurements based on Significant Unobservable Inputs (Level 3) as of December 31, 2025 follows (dollars in thousands):
Quantitative Information about Level 3 Non-recurring Fair Value Measurements
Fair ValueValuation Technique(s)Significant Unobservable InputRange
(Weighted Average)
Nonaccruing loans$4,802 
Discounted cash flows
Management knowledge of industry and non-real estate collateral
21% - 61% (57%)1
1    Represents fair value as a percentage of the unpaid principal balance.


A summary of quantitative information about Non-recurring Fair Value Measurements based on Significant Unobservable Inputs (Level 3) as of December 31, 2024 follows (dollars in thousands):
Quantitative Information about Level 3 Non-recurring Fair Value Measurements
Fair ValueValuation Technique(s)Significant Unobservable InputRange
(Weighted Average)
Nonaccruing loans$5,100 Appraised value, as adjusted
Broker quotes and management's knowledge of industry and collateral
36% - 36% (36%)1
1    Represents fair value as a percentage of the unpaid principal balance.
Fair Value of Financial Instruments [Table Text Block]
The following table presents the carrying values and estimated fair values of all financial instruments, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or are measured at fair value on a non-recurring basis (dollars in thousands):
December 31, 2025
Carrying
Value		Estimated Fair ValueQuoted Prices in Active Markets for Identical Instruments (Level 1)Significant Other Observable Inputs (Level 2)
Significant Unobservable Inputs
(Level 3)
Cash and due from banks$1,001,107 $1,001,107 $1,001,107 $— $— 
Interest-bearing cash and cash equivalents656,995 656,995 656,995 — — 
Trading securities:
U.S. government securities9,237 9,237 — 9,237 — 
Residential agency mortgage-backed securities
5,307,849 5,307,849 — 5,307,849 — 
Municipal securities39,233 39,233 — 39,233 — 
Other trading securities36,426 36,426 — 36,426 — 
Total trading securities5,392,745 5,392,745 — 5,392,745 — 
Investment securities:   
Municipal securities88,215 89,343 — 11,204 78,139 
Residential agency mortgage-backed securities
1,664,175 1,541,608 — 1,541,608 — 
Commercial agency mortgage-backed securities
16,516 16,186 — 16,186 — 
Other debt securities15,538 14,868 — 14,868 — 
Total investment securities1,784,444 1,662,005 — 1,583,866 78,139 
Allowance for credit losses(202)— — — — 
Investment securities, net of allowance1,784,242 1,662,005 — 1,583,866 78,139 
Available-for-sale securities:   
U.S. Treasury securities
980 980 980 — — 
Municipal securities184,273 184,273 — 184,273 — 
Residential agency mortgage-backed securities
9,598,627 9,598,627 — 9,598,627 — 
Residential non-agency mortgage-backed securities
696,028 696,028 — 696,028 — 
Commercial agency mortgage-backed securities
3,126,244 3,126,244 — 3,126,244 — 
Other debt securities473 473 — — 473 
Total available-for-sale securities13,606,625 13,606,625 980 13,605,172 473 
Fair value option securities - Residential agency mortgage-backed securities
102,096 102,096 — 102,096 — 
Residential mortgage loans held for sale94,630 94,630 — 88,335 6,295 
Loans:  
Commercial15,281,067 15,223,531 — — 15,223,531 
Commercial real estate5,672,006 5,597,767 — — 5,597,767 
Loans to individuals4,698,389 4,565,165 — — 4,565,165 
Total loans25,651,462 25,386,463 — — 25,386,463 
Allowance for loan losses(275,860)— — — — 
Loans, net of allowance25,375,602 25,386,463 — — 25,386,463 
Mortgage servicing rights322,724 322,724 — — 322,724 
Derivative instruments with positive fair value, net of cash margin
300,775 300,775 1,022 299,753 — 
Deposits with no stated maturity35,795,923 35,795,923 — — 35,795,923 
Time deposits3,639,083 3,629,060 — — 3,629,060 
Other borrowed funds4,237,655 4,237,752 — — 4,237,752 
Subordinated debentures396,589 395,323 — 395,323 — 
Derivative instruments with negative fair value, net of cash margin
397,573 397,573 12 397,561 — 
December 31, 2024
Carrying
Value		Estimated Fair ValueQuoted Prices in Active Markets for Identical Instruments (Level 1)Significant Other Observable Inputs (Level 2)
Significant Unobservable Inputs
(Level 3)
Cash and due from banks$1,043,969 $1,043,969 $1,043,969 $— $— 
Interest-bearing cash and cash equivalents390,732 390,732 390,732 — — 
Trading securities:
U.S. government securities21,275 21,275 1,494 19,781 — 
Residential agency mortgage-backed securities
4,792,695 4,792,695 — 4,792,695 — 
Municipal securities62,230 62,230 — 62,230 — 
Other trading securities22,890 22,890 — 22,890 — 
Total trading securities4,899,090 4,899,090 1,494 4,897,596 — 
Investment securities:   
Municipal securities104,467 106,489 — 11,674 94,815 
Residential agency mortgage-backed securities
1,880,473 1,680,800 — 1,680,800 — 
Commercial agency mortgage-backed securities16,220 15,357 — 15,357 — 
Other debt securities16,288 15,283 — 15,283 — 
Total investment securities2,017,448 1,817,929 — 1,723,114 94,815 
Allowance for credit losses(223)— — — — 
Investment securities, net of allowance2,017,225 1,817,929 — 1,723,114 94,815 
Available-for-sale securities:   
U.S. Treasury securities945 945 945 — — 
Municipal securities225,568 225,568 — 225,568 — 
Residential agency mortgage-backed securities
8,639,389 8,639,389 — 8,639,389 — 
Residential non-agency mortgage-backed securities
781,209 781,209 — 781,209 — 
Commercial agency mortgage-backed securities
3,204,016 3,204,016 — 3,204,016 — 
Other debt securities473 473 — — 473 
Total available-for-sale securities12,851,600 12,851,600 945 12,850,182 473 
Fair value option securities - Residential agency mortgage-backed securities
17,876 17,876 — 17,876 — 
Residential mortgage loans held for sale77,561 77,561 — 70,564 6,997 
Loans:
Commercial15,030,136 14,903,851 — — 14,903,851 
Commercial real estate5,058,452 4,933,396 — — 4,933,396 
Loans to individuals4,026,136 3,872,299 — — 3,872,299 
Total loans24,114,724 23,709,546 — — 23,709,546 
Allowance for loan losses(280,035)— — — — 
Loans, net of allowance23,834,689 23,709,546 — — 23,709,546 
Mortgage servicing rights338,145 338,145 — — 338,145 
Derivative instruments with positive fair value, net of cash margin
242,809 242,809 656 242,153 — 
Deposits with no stated maturity34,655,820 34,655,820 — — 34,655,820 
Time deposits3,535,410 3,522,242 — — 3,522,242 
Other borrowed funds4,322,979 4,323,174 — — 4,323,174 
Subordinated debentures131,200 121,057 — 121,057 — 
Derivative instruments with negative fair value, net of cash margin
237,582 237,582 3,391 234,191 — 
v3.25.4
Parent Company Only Financial Statements Parent Company Only Financial Statements (Tables)
 12 Months Ended
Dec. 31, 2025
Condensed Financial Information Disclosure [Abstract]  
Condensed Balance Sheet [Table Text Block]
Balance Sheets
(In thousands)
December 31,
 20252024
Assets  
Cash and cash equivalents$149,651 $276,046 
Loan to bank subsidiary65,115 65,131 
Investment in bank subsidiary5,495,781 5,130,141 
Investment in non-bank subsidiaries203,796 196,199 
Other assets17,005 19,486 
Total assets$5,931,348 $5,687,003 
Liabilities and Shareholders’ Equity
Liabilities:
Other liabilities$12,702 $7,450 
Subordinated debentures— 131,200 
Total liabilities12,702 138,650 
Shareholders’ equity:
Common stock5 5 
Capital surplus1,429,369 1,429,628 
Retained earnings6,022,586 5,592,100 
Treasury stock(1,367,144)(970,340)
Accumulated other comprehensive loss(166,170)(503,040)
Total shareholders’ equity5,918,646 5,548,353 
Total liabilities and shareholders’ equity$5,931,348 $5,687,003 
Condensed Income Statement [Table Text Block]
Statements of Earnings
(In thousands)
Year Ended December 31,
202520242023
Dividends, interest and fees received from bank subsidiary$555,343 $304,515 $329,429 
Dividends, interest and fees received from non-bank subsidiaries18,666 22,151 8,000 
Other revenue3,153 1,286 1,162 
Total revenue577,162 327,952 338,591 
Interest expense3,672 9,216 8,952 
Other operating expense2,701 3,196 5,674 
Total expense6,373 12,412 14,626 
Net income before taxes, other losses, net, and equity in undistributed income of subsidiaries
570,789 315,540 323,965 
Other gains (losses), net(4,221)2,112 32,656 
Net income before taxes and equity in undistributed income of subsidiaries
566,568 317,652 356,621 
Federal and state income taxes(1,361)(2,390)5,410 
Net income before equity in undistributed income of subsidiaries567,929 320,042 351,211 
Equity in undistributed income of bank subsidiaries4,417 226,271 181,487 
Equity in undistributed income of non-bank subsidiaries5,644 (22,744)(1,952)
Net income attributable to BOK Financial shareholders
$577,990 $523,569 $530,746 
Condensed Cash Flow Statement [Table Text Block]
Statements of Cash Flows
(In thousands)
Year Ended December 31,
 202520242023
Cash Flows From Operating Activities:   
Net income$577,990 $523,569 $530,746 
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed income of bank subsidiaries(4,417)(226,271)(181,487)
Equity in undistributed income of non-bank subsidiaries(5,644)22,744 1,952 
Other losses (gains), net4,221 (2,112)(32,656)
Change in other assets(768)963 1,986 
Change in other liabilities4,259 (7,504)13,404 
Net cash provided by operating activities575,641 311,389 333,945 
Cash Flows From Investing Activities:
Investment in subsidiaries(2,600)(2,550)(2,975)
Sale of subsidiary— — 32,601 
Net cash provided by (used in) investing activities(2,600)(2,550)29,626 
Cash Flows From Financing Activities:
Repayment of subordinated debentures(132,166)— — 
Issuance of common and treasury stock, net(6,558)(3,764)(4,941)
Dividends paid(147,504)(142,981)(143,398)
Repurchase of common stock(413,208)(89,856)(176,819)
Net cash used in financing activities(699,436)(236,601)(325,158)
Net increase (decrease) in cash and cash equivalents(126,395)72,238 38,413 
Cash and cash equivalents at beginning of period276,046 203,808 165,395 
Cash and cash equivalents at end of period$149,651 $276,046 $203,808 
Cash paid for interest$4,255 $9,626 $8,479 
v3.25.4
Significant Accounting Policies Goodwill and Intangible Assets (Details)
Dec. 31, 2025
Minimum [Member]  
Intangible Asset, Acquired, Finite-Lived [Line Items]  
Finite-Lived Intangible Asset, Useful Life 3 years
Maximum [Member]  
Intangible Asset, Acquired, Finite-Lived [Line Items]  
Finite-Lived Intangible Asset, Useful Life 20 years
v3.25.4
Significant Accounting Policies Cash Equivalents (Details)
 12 Months Ended
Dec. 31, 2025
Cash and Cash Equivalents [Abstract]  
Maturity of Federal Funds Sold Considered Cash Equivalents 1 day
Maturity of Resell Agreement Considered Cash Equivalents, Minimum 1 day
Maturity of Resell Agreements Considered Cash Equivalents, Maximum 30 days
v3.25.4
Significant Accounting Policies Loans (Details)
 12 Months Ended
Dec. 31, 2025
Loans [Abstract]  
Loans, Number of Days Past Due for a Non-Risk Graded Loan to be Placed on Nonaccruing Status 90 days
Loans, Number of Days After Notification of Chapter 7 Bankruptcy Non-Risk Graded Loan is Placed on Nonaccruing Status 60 days
Loans, Minimum Number of Days After Which Past Due Non-Risk Graded Loans Are Charged Off 60 days
Loans, Maximum Number of Days After Which Past Due Non-Risk Graded Loans Are Charged Off 180 days
Loans, Number of Days After Notification of Chapter 7 Bankruptcy Non-Risk Graded Loan is Charged Off 60 days
Special Mention, Minimum number days past due 30 days
Special Mention, Max number days past due 59 days
Accruing Substandard, Min days past due 60 days
Accruing Substandard, Max days past due 89 days
Nonaccrual, Min number days past due 90 days
v3.25.4
Significant Accounting Policies Premises and Equipment (Details)
Dec. 31, 2025
Buildings and improvements | Minimum [Member]  
Premises and Equipment [Line Items]  
Property, Plant and Equipment, Useful Life 5 years
Buildings and improvements | Maximum [Member]  
Premises and Equipment [Line Items]  
Property, Plant and Equipment, Useful Life 40 years
Software and related integration | Minimum [Member]  
Premises and Equipment [Line Items]  
Property, Plant and Equipment, Useful Life 3 years
Software and related integration | Maximum [Member]  
Premises and Equipment [Line Items]  
Property, Plant and Equipment, Useful Life 10 years
Furniture and equipment | Minimum [Member]  
Premises and Equipment [Line Items]  
Property, Plant and Equipment, Useful Life 3 years
Furniture and equipment | Maximum [Member]  
Premises and Equipment [Line Items]  
Property, Plant and Equipment, Useful Life 10 years
v3.25.4
Significant Accounting Policies Share-Based Compensation (Details) - Restricted Stock [Member]
 12 Months Ended
Dec. 31, 2025
Share-based Compensation Arrangements by Share-based Payment Award [Line Items]  
Vesting period (in years) 3 years
Share-based Compensation Arrangement by Share-based Payment Award, Award Required Holding Period 2 years
v3.25.4
Trading Securities (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Schedule of Trading Securities [Line Items]    
Trading securities $ 5,392,745 $ 4,899,090
Trading Securities, Net Unrealized Gain (Loss) 8,992 (38,032)
U.S. government securities [Member]    
Schedule of Trading Securities [Line Items]    
Trading securities 9,237 21,275
Trading Securities, Net Unrealized Gain (Loss) (4) (60)
Residential agency mortgage-backed securities [Member]    
Schedule of Trading Securities [Line Items]    
Trading securities 5,307,849 4,792,695
Trading Securities, Net Unrealized Gain (Loss) 9,011 (37,439)
Municipal securities [Member]    
Schedule of Trading Securities [Line Items]    
Trading securities 39,233 62,230
Trading Securities, Net Unrealized Gain (Loss) 10 (566)
Other debt securities [Member]    
Schedule of Trading Securities [Line Items]    
Trading securities 36,426 22,890
Trading Securities, Net Unrealized Gain (Loss) $ (25) $ 33
v3.25.4
Investment (Held-to-Maturity) Securities (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
USD ($)
Dec. 31, 2024
USD ($)
Schedule of Investment (Held-to-Maturity) Securities [Line Items]    
Investment securities $ 1,867,725 $ 2,136,029
Debt Securities, Held-to-Maturity, carrying value 1,784,444 [1] 2,017,448 [2]
Debt Securities, Held-to-maturity, Allowance for Credit Loss 202 [1] 223 [2]
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss 1,867,523 2,135,806
Investment securities 1,784,242 [1] 2,017,225 [2]
Investment Securities, fair value 1,662,005 1,817,929
Investment Securities, Gross Unrealized Gain 1,309 2,451
Investment Securities, Gross Unrealized Loss (123,748) (201,970)
Debt Securities, Net Unrealized Loss Remaining in AOCI included in Carrying Value for AFS Securities Transferred to Investment Securities $ (83,000) $ (119,000)
Investment Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]    
Investment Securities, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 127 141
Investment Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Investment Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 6,566 $ 14,485
Investment Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 1,569,689 1,711,624
Investment Securities, Continuous Unrealized Loss Position, Fair Value 1,576,255 1,726,109
Investment Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]    
Investment Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Losses 8 65
Investment Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Losses 123,740 201,905
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss 123,748 201,970
Fixed maturity securities [Member]    
Investment Securities, Debt Maturities, Net, Amortized Cost [Abstract]    
Investment Securities, Debt Maturities, Less than One Year, Net Carrying Value 47,686  
Investment Securities, Debt Maturities, One to Five Years, Net Carrying Value 58,904  
Investment Securities, Debt Maturities, Six to Ten Years, Net Carrying Value 13,679  
Investment Securities, Debt Maturities, Over Ten Years, Net Carrying Value 0  
Investment Securities, Debt Maturities, Single Maturity Date, Carrying Value 120,269  
Investment Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]    
Investment Securities, Debt Maturities, Less than One Year, Fair Value 48,320  
Investment Securities, Debt Maturities, One to Five Years, Fair Value 59,083  
Investment Securities, Debt Maturities, Six to Ten Years, Fair Value 12,994  
Investment Securities, Debt Maturities, Over Ten Years, Fair Value 0  
Investment Securities, Debt Maturities, Single Maturity Date, Fair value $ 120,397  
Investment Securities, Debt Maturities, Weighted Average Maturity [3] 2.01  
Municipal securities [Member]    
Schedule of Investment (Held-to-Maturity) Securities [Line Items]    
Investment securities $ 88,215 104,467
Debt Securities, Held-to-Maturity, carrying value 88,215 [1] 104,467 [2]
Investment Securities, fair value 89,343 106,489
Investment Securities, Gross Unrealized Gain 1,218 2,370
Investment Securities, Gross Unrealized Loss $ (90) $ (348)
Investment Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]    
Investment Securities, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 8 20
Investment Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Investment Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 6,566 $ 14,485
Investment Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 3,613 7,107
Investment Securities, Continuous Unrealized Loss Position, Fair Value 10,179 21,592
Investment Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]    
Investment Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Losses 8 65
Investment Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Losses 82 283
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss 90 348
Residential agency mortgage-backed securities [Member]    
Schedule of Investment (Held-to-Maturity) Securities [Line Items]    
Investment securities 1,746,715 1,998,017
Debt Securities, Held-to-Maturity, carrying value 1,664,175 [1] 1,880,473 [2]
Investment Securities, fair value 1,541,608 1,680,800
Investment Securities, Gross Unrealized Gain 91 81
Investment Securities, Gross Unrealized Loss (122,658) $ (199,754)
Investment Securities, Debt Maturities, Net, Amortized Cost [Abstract]    
Investment Securities, Debt Maturities, without Single Maturity Date, Net Carrying value [4] 1,664,175  
Investment Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]    
Investment Securities, Debt Maturities, without Single Maturity Date, Fair value $ 1,541,608  
Investment Securities, Debt Maturities, Average Expected Life of Mortgage-backed Securities 4 years 2 months 12 days  
Investment Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]    
Investment Securities, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 115 116
Investment Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Investment Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 0 $ 0
Investment Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 1,540,535 1,679,889
Investment Securities, Continuous Unrealized Loss Position, Fair Value 1,540,535 1,679,889
Investment Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]    
Investment Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Losses 0 0
Investment Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Losses 122,658 199,754
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss 122,658 199,754
Commercial agency mortgage-backed securities [Member]    
Schedule of Investment (Held-to-Maturity) Securities [Line Items]    
Investment securities 17,257 17,257
Debt Securities, Held-to-Maturity, carrying value 16,516 [1] 16,220 [2]
Investment Securities, fair value 16,186 15,357
Investment Securities, Gross Unrealized Gain 0 0
Investment Securities, Gross Unrealized Loss $ (330) $ (863)
Investment Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]    
Investment Securities, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 2 2
Investment Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Investment Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 0 $ 0
Investment Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 16,186 15,357
Investment Securities, Continuous Unrealized Loss Position, Fair Value 16,186 15,357
Investment Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]    
Investment Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Losses 0 0
Investment Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Losses 330 863
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss 330 863
Other debt securities [Member]    
Schedule of Investment (Held-to-Maturity) Securities [Line Items]    
Investment securities 15,538 16,288
Debt Securities, Held-to-Maturity, carrying value 15,538 [1] 16,288 [2]
Investment Securities, fair value 14,868 15,283
Investment Securities, Gross Unrealized Gain 0 0
Investment Securities, Gross Unrealized Loss $ (670) $ (1,005)
Investment Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]    
Investment Securities, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 2 3
Investment Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Investment Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 0 $ 0
Investment Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 9,355 9,271
Investment Securities, Continuous Unrealized Loss Position, Fair Value 9,355 9,271
Investment Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]    
Investment Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Losses 0 0
Investment Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Losses 670 1,005
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss $ 670 $ 1,005
[1] Carrying value includes $83 million of net unrealized loss which remains in AOCI in the Consolidated Balance Sheets related to certain securities transferred during the second quarter of 2022 from the Available-for-Sale securities portfolio to the Investment securities portfolio.
[2] Carrying value includes $119 million of net unrealized loss which remains in AOCI in the Consolidated Balance Sheets related to certain securities transferred during the second quarter of 2022 from the Available-for-Sale securities portfolio to the Investment securities portfolio.
[3] Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalty.
[4] The average expected lives of residential mortgage-backed securities were 4.2 years based upon current prepayment assumptions.
v3.25.4
Available for Sale Securities (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
USD ($)
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Available for Sale Securities [Line Items]      
Available for sale securities, Amortized Cost $ 13,739,191 $ 13,388,935  
Available for sale securities 13,606,625 12,851,600  
Available for sale securities, Gross Unrealized Gain 141,234 29,911  
Available for sale securities, Gross Unrealized Loss (273,800) (567,246)  
Available for Sale Securities, Realized Gain (Loss) [Abstract]      
Proceeds from sales of available for sale securities 305,729 839,352 $ 834,704
Available for sale securities, Gross realized gains 2,381 2,257 1,180
Available for sale securities, Gross realized losses (420) (48,085) (31,816)
Available for sale securities, Related federal and state income tax expense 463 (10,779) $ (7,206)
Asset Pledged as Collateral with Right      
Available for Sale Securities, Realized Gain (Loss) [Abstract]      
Pledged Securities 11,500,000 9,900,000  
Fixed maturity securities [Member]      
Available for Sale Securities, Debt Maturities, Amortized Cost, Rolling Maturity [Abstract]      
Available for sale securities, Debt Maturities, Less than One Year, Amortized Cost 454,207    
Available for sale securities, Debt Maturities, One to Five Years, Amortized Cost 2,194,856    
Available for sale securities, Debt Maturities, Six to Ten Years, Amortized Cost 314,903    
Available for sale securities, Debt Maturities, Over Ten Years, Amortized Cost 469,180    
Available for sale securities, Maturity, Allocated and Single Maturity Date, Amortized Cost 3,433,146    
Available for Sale Securities, Maturity, Fair Value, Rolling Maturity [Abstract]      
Available for sale securities, Debt Maturities, Less Than One Year, Fair Value 448,064    
Available for sale securities, Debt Maturities, One to Five Years, Fair Value 2,095,957    
Available for sale securities, Debt Maturities, Six to Ten Years, Fair Value 304,674    
Available for sale securities, Debt Maturities, Over Ten Years, Fair Value 463,275    
Available for sale securities, Debt Maturities, Single Maturity Date, Fair value $ 3,311,970    
Available for sale securities, Debt Maturities, Weighted Average Maturity [1] 4.92    
U.S. Treasury [Member]      
Available for Sale Securities [Line Items]      
Available for sale securities, Amortized Cost $ 1,001 1,000  
Available for sale securities 980 945  
Available for sale securities, Gross Unrealized Gain 0 0  
Available for sale securities, Gross Unrealized Loss (21) (55)  
Municipal securities [Member]      
Available for Sale Securities [Line Items]      
Available for sale securities, Amortized Cost 190,917 240,528  
Available for sale securities 184,273 225,568  
Available for sale securities, Gross Unrealized Gain 0 2  
Available for sale securities, Gross Unrealized Loss (6,644) (14,962)  
Commercial agency mortgage-backed securities [Member]      
Available for Sale Securities [Line Items]      
Available for sale securities, Amortized Cost 3,240,728 3,436,465  
Available for sale securities 3,126,244 3,204,016  
Available for sale securities, Gross Unrealized Gain 7,622 726  
Available for sale securities, Gross Unrealized Loss (122,106) (233,175)  
Other debt securities [Member]      
Available for Sale Securities [Line Items]      
Available for sale securities, Amortized Cost 500 500  
Available for sale securities 473 473  
Available for sale securities, Gross Unrealized Gain 0 0  
Available for sale securities, Gross Unrealized Loss (27) (27)  
Residential Mortgage Backed Securities [Member]      
Available for Sale Securities, Debt Maturities, Amortized Cost, Rolling Maturity [Abstract]      
Available for sale securities, Maturity, without Single Maturity Date, Amortized Cost [2] 10,306,045    
Available for Sale Securities, Maturity, Fair Value, Rolling Maturity [Abstract]      
Available for sale securities, Debt Maturities, without Single Maturity Date, Fair value $ 10,294,655    
Available for sale securities, Debt Maturities, Average Expected Life of Mortgage-backed Securities 4 years    
Residential agency mortgage-backed securities [Member]      
Available for Sale Securities [Line Items]      
Available for sale securities, Amortized Cost $ 9,593,919 8,895,900  
Available for sale securities 9,598,627 8,639,389  
Available for sale securities, Gross Unrealized Gain 121,838 17,936  
Available for sale securities, Gross Unrealized Loss (117,130) (274,447)  
Residential non-agency mortgage-backed securities [Member]      
Available for Sale Securities [Line Items]      
Available for sale securities, Amortized Cost 712,126 814,542  
Available for sale securities 696,028 781,209  
Available for sale securities, Gross Unrealized Gain 11,774 11,247  
Available for sale securities, Gross Unrealized Loss $ (27,872) $ (44,580)  
[1] Expected maturities may differ from contractual maturities, because borrowers may have the right to call or prepay obligations with or without penalty.
[2] The average expected lives of residential mortgage-backed securities were 4.0 years based upon current prepayment assumptions.
v3.25.4
Securities Available for sale, Unrealized Loss Position, Fair Value (Details)
$ in Thousands
Dec. 31, 2025
USD ($)
Dec. 31, 2024
USD ($)
Available for sale, Unrealized Loss Position [Line Items]    
Available for sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 898 1,202
Available for sale, Securities in Unrealized Loss Position, Less than 12 Months [Abstract]    
Available for sale securities, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value $ 819,154 $ 3,846,190
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value 5,482,644 6,381,398
Available for sale securities, Unrealized Loss Position, Fair Value 6,301,798 10,227,588
Available for sale securities, Securities in Unrealized Loss Position, Accumulated Loss [Abstract]    
Available for sale securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 2,479 53,117
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 271,321 514,129
Available for sale securities, Unrealized Loss Position, Accumulated Loss 273,800 $ 567,246
Debt Securities, Available-for-sale, Allowance for Credit Loss $ 0  
U.S. Treasury [Member]    
Available for sale, Unrealized Loss Position [Line Items]    
Available for sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 1 1
Available for sale, Securities in Unrealized Loss Position, Less than 12 Months [Abstract]    
Available for sale securities, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value $ 0 $ 0
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value 980 945
Available for sale securities, Unrealized Loss Position, Fair Value 980 945
Available for sale securities, Securities in Unrealized Loss Position, Accumulated Loss [Abstract]    
Available for sale securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 0 0
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 21 55
Available for sale securities, Unrealized Loss Position, Accumulated Loss $ 21 $ 55
Municipal securities [Member]    
Available for sale, Unrealized Loss Position [Line Items]    
Available for sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 86 113
Available for sale, Securities in Unrealized Loss Position, Less than 12 Months [Abstract]    
Available for sale securities, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value $ 1,028 $ 1,041
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value 180,696 222,432
Available for sale securities, Unrealized Loss Position, Fair Value 181,724 223,473
Available for sale securities, Securities in Unrealized Loss Position, Accumulated Loss [Abstract]    
Available for sale securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 2 13
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 6,642 14,949
Available for sale securities, Unrealized Loss Position, Accumulated Loss $ 6,644 $ 14,962
Residential agency mortgage-backed securities [Member]    
Available for sale, Unrealized Loss Position [Line Items]    
Available for sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 584 831
Available for sale, Securities in Unrealized Loss Position, Less than 12 Months [Abstract]    
Available for sale securities, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value $ 741,581 $ 3,561,318
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value 2,333,685 2,880,641
Available for sale securities, Unrealized Loss Position, Fair Value 3,075,266 6,441,959
Available for sale securities, Securities in Unrealized Loss Position, Accumulated Loss [Abstract]    
Available for sale securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 2,373 50,102
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 114,757 224,345
Available for sale securities, Unrealized Loss Position, Accumulated Loss $ 117,130 $ 274,447
Residential non-agency mortgage-backed securities [Member]    
Available for sale, Unrealized Loss Position [Line Items]    
Available for sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 31 36
Available for sale, Securities in Unrealized Loss Position, Less than 12 Months [Abstract]    
Available for sale securities, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value $ 27,957 $ 93,113
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value 413,783 457,701
Available for sale securities, Unrealized Loss Position, Fair Value 441,740 550,814
Available for sale securities, Securities in Unrealized Loss Position, Accumulated Loss [Abstract]    
Available for sale securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 16 1,124
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 27,856 43,456
Available for sale securities, Unrealized Loss Position, Accumulated Loss $ 27,872 $ 44,580
Commercial agency mortgage-backed securities [Member]    
Available for sale, Unrealized Loss Position [Line Items]    
Available for sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 195 220
Available for sale, Securities in Unrealized Loss Position, Less than 12 Months [Abstract]    
Available for sale securities, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value $ 48,588 $ 190,718
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value 2,553,027 2,819,206
Available for sale securities, Unrealized Loss Position, Fair Value 2,601,615 3,009,924
Available for sale securities, Securities in Unrealized Loss Position, Accumulated Loss [Abstract]    
Available for sale securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 88 1,878
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 122,018 231,297
Available for sale securities, Unrealized Loss Position, Accumulated Loss $ 122,106 $ 233,175
Other debt securities [Member]    
Available for sale, Unrealized Loss Position [Line Items]    
Available for sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 1 1
Available for sale, Securities in Unrealized Loss Position, Less than 12 Months [Abstract]    
Available for sale securities, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value $ 0 $ 0
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value 473 473
Available for sale securities, Unrealized Loss Position, Fair Value 473 473
Available for sale securities, Securities in Unrealized Loss Position, Accumulated Loss [Abstract]    
Available for sale securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 0 0
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 27 27
Available for sale securities, Unrealized Loss Position, Accumulated Loss $ 27 $ 27
v3.25.4
Securities Fair Value Option Securities (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Fair Value Option Securities [Line Items]    
Fair value option securities $ 102,096 $ 17,876
Residential agency mortgage-backed securities [Member]    
Fair Value Option Securities [Line Items]    
Fair value option securities 102,096 17,876
Fair Value Option Securities Unrealized Gain or Loss $ (556) $ (1,662)
v3.25.4
Derivatives, Fair Value of Derivatives Contracts (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Derivative Assets, Fair Value, Net [Abstract]    
Derivative Assets, Fair Value, Net of Cash Collateral $ 300,775 $ 242,809
Derivative Liabilities, Fair Value, Net [Abstract]    
Derivative Liabilities, Fair Value, Net of Cash Collateral 397,573 237,582
Not Designated as Hedging Instrument [Member]    
Notional Amount of Derivatives [Abstract]    
Derivative Assets, Notional 32,110,883 [1] 29,893,977 [2]
Derivative Liabilities, Notional 35,879,685 [1] 25,018,428 [2]
Derivative Assets, Fair Value, Net [Abstract]    
Derivative Assets, Gross Fair Value 782,779 779,821
Derivative Assets, Netting Adjustments (327,609) (460,985)
Derivative Assets, Net Fair Value Before Cash Collateral 455,170 318,836
Derivative Assets, Cash Collateral (154,395) (76,027)
Derivative Assets, Fair Value, Net of Cash Collateral 300,775 242,809
Derivative Liabilities, Fair Value, Net [Abstract]    
Derivative Liabilities, Gross Fair Value 765,289 701,259
Derivative Liabilities, Netting Adjustments (327,609) (460,985)
Derivative Liabilities, Net Fair Value Before Cash Collateral 437,680 240,274
Derivative Liabilities, Cash Collateral (40,107) (2,692)
Derivative Liabilities, Fair Value, Net of Cash Collateral 397,573 237,582
Not Designated as Hedging Instrument [Member] | Total customer risk management programs [Member]    
Notional Amount of Derivatives [Abstract]    
Derivative Assets, Notional 9,191,840 [1] 10,316,447 [2]
Derivative Liabilities, Notional 9,245,080 [1] 10,219,846 [2]
Derivative Assets, Fair Value, Net [Abstract]    
Derivative Assets, Gross Fair Value 717,122 646,223
Derivative Assets, Netting Adjustments (289,034) (404,221)
Derivative Assets, Net Fair Value Before Cash Collateral 428,088 242,002
Derivative Assets, Cash Collateral (152,766) (75,785)
Derivative Assets, Fair Value, Net of Cash Collateral 275,322 166,217
Derivative Liabilities, Fair Value, Net [Abstract]    
Derivative Liabilities, Gross Fair Value 688,276 609,715
Derivative Liabilities, Netting Adjustments (289,034) (404,221)
Derivative Liabilities, Net Fair Value Before Cash Collateral 399,242 205,494
Derivative Liabilities, Cash Collateral (6,051) (1,400)
Derivative Liabilities, Fair Value, Net of Cash Collateral 393,191 204,094
Not Designated as Hedging Instrument [Member] | Interest rate contracts [Member]    
Notional Amount of Derivatives [Abstract]    
Derivative Assets, Notional 2,869,346 [1] 3,064,418 [2]
Derivative Liabilities, Notional 2,869,346 [1] 3,064,418 [2]
Derivative Assets, Fair Value, Net [Abstract]    
Derivative Assets, Gross Fair Value 51,144 82,191
Derivative Assets, Netting Adjustments (17,199) (5,369)
Derivative Assets, Net Fair Value Before Cash Collateral 33,945 76,822
Derivative Assets, Cash Collateral (15,783) (71,485)
Derivative Assets, Fair Value, Net of Cash Collateral 18,162 5,337
Derivative Liabilities, Fair Value, Net [Abstract]    
Derivative Liabilities, Gross Fair Value 51,101 82,141
Derivative Liabilities, Netting Adjustments (17,199) (5,369)
Derivative Liabilities, Net Fair Value Before Cash Collateral 33,902 76,772
Derivative Liabilities, Cash Collateral (811) 0
Derivative Liabilities, Fair Value, Net of Cash Collateral 33,091 76,772
Not Designated as Hedging Instrument [Member] | Energy contracts [Member]    
Notional Amount of Derivatives [Abstract]    
Derivative Assets, Notional 6,245,552 [1] 7,169,926 [2]
Derivative Liabilities, Notional 6,299,141 [1] 7,076,929 [2]
Derivative Assets, Fair Value, Net [Abstract]    
Derivative Assets, Gross Fair Value 605,067 521,032
Derivative Assets, Netting Adjustments (271,825) (398,457)
Derivative Assets, Net Fair Value Before Cash Collateral 333,242 122,575
Derivative Assets, Cash Collateral (136,933) (3,816)
Derivative Assets, Fair Value, Net of Cash Collateral 196,309 118,759
Derivative Liabilities, Fair Value, Net [Abstract]    
Derivative Liabilities, Gross Fair Value 576,627 488,113
Derivative Liabilities, Netting Adjustments (271,825) (398,457)
Derivative Liabilities, Net Fair Value Before Cash Collateral 304,802 89,656
Derivative Liabilities, Cash Collateral (5,240) (1,020)
Derivative Liabilities, Fair Value, Net of Cash Collateral 299,562 88,636
Not Designated as Hedging Instrument [Member] | Foreign exchange contracts [Member]    
Notional Amount of Derivatives [Abstract]    
Derivative Assets, Notional 75,349 [1] 80,510 [2]
Derivative Liabilities, Notional 75,000 [1] 76,906 [2]
Derivative Assets, Fair Value, Net [Abstract]    
Derivative Assets, Gross Fair Value 60,656 42,792
Derivative Assets, Netting Adjustments (10) (395)
Derivative Assets, Net Fair Value Before Cash Collateral 60,646 42,397
Derivative Assets, Cash Collateral 0 (434)
Derivative Assets, Fair Value, Net of Cash Collateral 60,646 41,963
Derivative Liabilities, Fair Value, Net [Abstract]    
Derivative Liabilities, Gross Fair Value 60,293 39,253
Derivative Liabilities, Netting Adjustments (10) (395)
Derivative Liabilities, Net Fair Value Before Cash Collateral 60,283 38,858
Derivative Liabilities, Cash Collateral 0 (380)
Derivative Liabilities, Fair Value, Net of Cash Collateral 60,283 38,478
Not Designated as Hedging Instrument [Member] | Equity option contracts [Member]    
Notional Amount of Derivatives [Abstract]    
Derivative Assets, Notional 1,593 [1] 1,593 [2]
Derivative Liabilities, Notional 1,593 [1] 1,593 [2]
Derivative Assets, Fair Value, Net [Abstract]    
Derivative Assets, Gross Fair Value 255 208
Derivative Assets, Netting Adjustments 0 0
Derivative Assets, Net Fair Value Before Cash Collateral 255 208
Derivative Assets, Cash Collateral (50) (50)
Derivative Assets, Fair Value, Net of Cash Collateral 205 158
Derivative Liabilities, Fair Value, Net [Abstract]    
Derivative Liabilities, Gross Fair Value 255 208
Derivative Liabilities, Netting Adjustments 0 0
Derivative Liabilities, Net Fair Value Before Cash Collateral 255 208
Derivative Liabilities, Cash Collateral 0 0
Derivative Liabilities, Fair Value, Net of Cash Collateral 255 208
Not Designated as Hedging Instrument [Member] | Trading [Member]    
Notional Amount of Derivatives [Abstract]    
Derivative Assets, Notional 22,332,052 [1] 19,577,362 [2]
Derivative Liabilities, Notional 26,544,633 [1] 14,196,406 [2]
Derivative Assets, Fair Value, Net [Abstract]    
Derivative Assets, Gross Fair Value 63,803 132,581
Derivative Assets, Netting Adjustments (38,524) (56,764)
Derivative Assets, Net Fair Value Before Cash Collateral 25,279 75,817
Derivative Assets, Cash Collateral (1,629) (242)
Derivative Assets, Fair Value, Net of Cash Collateral 23,650 75,575
Derivative Liabilities, Fair Value, Net [Abstract]    
Derivative Liabilities, Gross Fair Value 75,573 87,082
Derivative Liabilities, Netting Adjustments (38,524) (56,764)
Derivative Liabilities, Net Fair Value Before Cash Collateral 37,049 30,318
Derivative Liabilities, Cash Collateral (34,056) (1,292)
Derivative Liabilities, Fair Value, Net of Cash Collateral 2,993 29,026
Not Designated as Hedging Instrument [Member] | Internal risk management programs [Member]    
Notional Amount of Derivatives [Abstract]    
Derivative Assets, Notional 586,991 [1] 168 [2]
Derivative Liabilities, Notional 89,972 [1] 602,176 [2]
Derivative Assets, Fair Value, Net [Abstract]    
Derivative Assets, Gross Fair Value 1,854 1,017
Derivative Assets, Netting Adjustments (51) 0
Derivative Assets, Net Fair Value Before Cash Collateral 1,803 1,017
Derivative Assets, Cash Collateral 0 0
Derivative Assets, Fair Value, Net of Cash Collateral 1,803 1,017
Derivative Liabilities, Fair Value, Net [Abstract]    
Derivative Liabilities, Gross Fair Value 1,440 4,462
Derivative Liabilities, Netting Adjustments (51) 0
Derivative Liabilities, Net Fair Value Before Cash Collateral 1,389 4,462
Derivative Liabilities, Cash Collateral 0 0
Derivative Liabilities, Fair Value, Net of Cash Collateral $ 1,389 $ 4,462
[1] Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.
[2] Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.
v3.25.4
Derivatives, Derivatives Instruments Gain (Loss) in Income Statement (Details) - Not Designated as Hedging Instrument [Member] - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Trading Activity, Gains and Losses, Net [Line Items]      
Brokerage and Trading Revenue $ (37,886) $ 177,351 $ (102,713)
Gain (Loss) on Derivatives, Net 12,281 (22,461) (9,921)
Total customer risk management programs [Member]      
Trading Activity, Gains and Losses, Net [Line Items]      
Brokerage and Trading Revenue 28,286 27,738 36,522
Gain (Loss) on Derivatives, Net 0 0 0
Interest rate contracts [Member]      
Trading Activity, Gains and Losses, Net [Line Items]      
Brokerage and Trading Revenue 4,238 5,455 5,531
Gain (Loss) on Derivatives, Net 0 0 0
Energy contracts [Member]      
Trading Activity, Gains and Losses, Net [Line Items]      
Brokerage and Trading Revenue 23,915 21,913 30,715
Gain (Loss) on Derivatives, Net 0 0 0
Foreign exchange contracts [Member]      
Trading Activity, Gains and Losses, Net [Line Items]      
Brokerage and Trading Revenue 133 370 276
Gain (Loss) on Derivatives, Net 0 0 0
Trading [Member]      
Trading Activity, Gains and Losses, Net [Line Items]      
Brokerage and Trading Revenue [1] (66,172) 149,613 (139,235)
Gain (Loss) on Derivatives, Net [1] 0 0 0
Internal risk management programs [Member]      
Trading Activity, Gains and Losses, Net [Line Items]      
Brokerage and Trading Revenue 0 0 0
Gain (Loss) on Derivatives, Net $ 12,281 $ (22,461) $ (9,921)
[1] Represents changes in fair value of to-be-announced securities and other derivative instruments held to mitigate market risk of trading securities portfolio, which is offset by changes in fair value of trading securities also included in Other operating revenue - brokerage and trading revenue in the Consolidated Statements of Earnings.
v3.25.4
Loans and Allowances for Credit Losses, Loans by Portfolio Segment (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Loans receivables disclosure [Abstract]    
Loans, fixed rate of interest $ 7,101,490 $ 6,739,706
Loans, variable rate of interest 18,475,612 17,328,293
Financing Receivable, Nonaccrual (74,360) (46,725)
Total 25,651,462 24,114,724
Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans 7,465 10,061
Credit Commitments [Abstract]    
Outstanding commitments to extend credit 15,900,000  
Outstanding commercial letters of credit 607,000  
Geographic Concentration Risk [Member] | Texas [Member]    
Loans receivables disclosure [Abstract]    
Total $ 8,500,000 $ 7,800,000
Loans receivable, other information [Abstract]    
Percentage of loan portfolio secured by property in Texas (in hundredths) 33.00% 32.00%
Geographic Concentration Risk [Member] | Oklahoma [Member]    
Loans receivables disclosure [Abstract]    
Total $ 3,900,000 $ 3,700,000
Loans receivable, other information [Abstract]    
Percentage of loan portfolio secured by property in Oklahoma (in hundredths) 15.00% 15.00%
Geographic Concentration Risk [Member] | Colorado [Member]    
Loans receivables disclosure [Abstract]    
Total $ 2,800,000 $ 2,900,000
Loans receivable, other information [Abstract]    
Percentage of loan portfolio secured by property in Colorado (in hundredths) 11.00% 12.00%
Commercial [Member]    
Loans receivables disclosure [Abstract]    
Loans, fixed rate of interest $ 3,494,944 $ 3,450,238
Loans, variable rate of interest 11,750,021 11,565,251
Financing Receivable, Nonaccrual (36,102) (14,647)
Total 15,281,067 15,030,136
Commercial [Member] | Geographic Concentration Risk [Member] | Texas [Member]    
Loans receivables disclosure [Abstract]    
Total $ 5,000,000 $ 5,000,000
Loans receivable, other information [Abstract]    
Percentage of loan portfolio secured by property in Texas (in hundredths) 33.00% 34.00%
Commercial [Member] | Geographic Concentration Risk [Member] | Oklahoma [Member]    
Loans receivables disclosure [Abstract]    
Total $ 2,400,000 $ 2,300,000
Loans receivable, other information [Abstract]    
Percentage of loan portfolio secured by property in Oklahoma (in hundredths) 16.00% 15.00%
Commercial [Member] | Geographic Concentration Risk [Member] | Colorado [Member]    
Loans receivables disclosure [Abstract]    
Total $ 1,600,000 $ 1,700,000
Loans receivable, other information [Abstract]    
Percentage of loan portfolio secured by property in Colorado (in hundredths) 10.00% 12.00%
Commercial [Member] | Healthcare [Member]    
Loans receivables disclosure [Abstract]    
Total $ 4,008,208 $ 3,967,533
Commercial [Member] | Healthcare [Member] | Credit Concentration Risk [Member]    
Loans receivables disclosure [Abstract]    
Total $ 4,000,000 $ 4,000,000
Loans receivable, other information [Abstract]    
Percentage of loan class to total loans 16.00% 16.00%
Commercial [Member] | Services [Member]    
Loans receivables disclosure [Abstract]    
Total $ 3,911,917 $ 3,643,203
Commercial [Member] | Services [Member] | Credit Concentration Risk [Member]    
Loans receivables disclosure [Abstract]    
Total $ 3,900,000 $ 3,600,000
Loans receivable, other information [Abstract]    
Percentage of loan class to total loans 15.00% 15.00%
Commercial [Member] | Energy [Member]    
Loans receivables disclosure [Abstract]    
Total $ 2,882,242 $ 3,254,724
Commercial [Member] | Energy [Member] | Credit Concentration Risk [Member]    
Loans receivables disclosure [Abstract]    
Total $ 2,900,000 $ 3,300,000
Loans receivable, other information [Abstract]    
Percentage of loan class to total loans 11.00% 13.00%
Commercial [Member] | Energy Producers [Member] | Credit Concentration Risk [Member]    
Loans receivables disclosure [Abstract]    
Total $ 2,200,000 $ 2,600,000
Loans receivable, other information [Abstract]    
Percentage of committed energy production loans secured by oil 71.00% 70.00%
Percentage of committed energy production loans secured by natural gas 29.00% 30.00%
Commercial [Member] | General business [Member]    
Loans receivables disclosure [Abstract]    
Total $ 4,478,700 $ 4,164,676
Commercial [Member] | General business [Member] | Credit Concentration Risk [Member]    
Loans receivables disclosure [Abstract]    
Total $ 4,500,000  
Loans receivable, other information [Abstract]    
Percentage of loan class to total loans 17.00%  
Commercial real estate [Member]    
Loans receivables disclosure [Abstract]    
Loans, fixed rate of interest $ 601,044 668,532
Loans, variable rate of interest 5,064,265 4,380,015
Financing Receivable, Nonaccrual (6,697) (9,905)
Total $ 5,672,006 $ 5,058,452
Commercial real estate [Member] | Geographic Concentration Risk [Member]    
Loans receivable, other information [Abstract]    
Percentage of loan portfolio secured by property in all other states (in hundredths) 10.00% 10.00%
Commercial real estate [Member] | Geographic Concentration Risk [Member] | Texas [Member]    
Loans receivable, other information [Abstract]    
Percentage of loan portfolio secured by property in Texas (in hundredths) 32.00% 29.00%
Commercial real estate [Member] | Geographic Concentration Risk [Member] | Colorado [Member]    
Loans receivable, other information [Abstract]    
Percentage of loan portfolio secured by property in Colorado (in hundredths)   11.00%
Loans to individuals [Member]    
Loans receivables disclosure [Abstract]    
Loans, fixed rate of interest $ 3,005,502 $ 2,620,936
Loans, variable rate of interest 1,661,326 1,383,027
Financing Receivable, Nonaccrual (31,561) (22,173)
Total $ 4,698,389 $ 4,026,136
Loans receivable, other information [Abstract]    
Percentage of personal loans secured by collateral in our geographical footprint 90.00%  
v3.25.4
Loans and Allowances for Credit Losses, Activity in Allowance for Credit Losses (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Allowance for loan losses [Roll Forward]      
Beginning balance $ 280,035 $ 277,123 $ 235,704
Financing Receivable, Excluding Accrued Interest, Credit Loss Expense (Reversal) 2,564 15,791 59,518
Loans charged off (10,305) (18,835) (27,316)
Recoveries of loans previously charged off 3,566 5,956 9,217
Ending balance 275,860 280,035 277,123
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]      
Beginning Balance 51,640 48,977 60,919
Provision for off-balance sheet credit risk (369) 2,663 (11,942)
Ending Balance 51,271 51,640 48,977
Provision Details [Abstract]      
Total provision for credit losses 2,000 18,000 46,000
Recorded investment [Abstract]      
Collectively measured for impairment, recorded investment 25,577,102 24,067,999  
Individually measured for impairment, recorded investment 74,360 46,725  
Total 25,651,462 24,114,724  
Related allowance [Abstract]      
Collectively measured for impairment, related allowance 269,672 279,759  
Individually measured for impairment, related allowance 6,188 276  
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest 275,860 280,035 277,123
Commercial [Member]      
Allowance for loan losses [Roll Forward]      
Beginning balance 145,153 141,232 131,586
Financing Receivable, Excluding Accrued Interest, Credit Loss Expense (Reversal) (3,493) 12,614 19,308
Loans charged off (5,374) (11,763) (12,898)
Recoveries of loans previously charged off 939 3,070 3,236
Ending balance 137,225 145,153 141,232
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]      
Beginning Balance 18,046 19,762 18,246
Provision for off-balance sheet credit risk 1,677 (1,716) 1,516
Ending Balance 19,723 18,046 19,762
Recorded investment [Abstract]      
Collectively measured for impairment, recorded investment 15,244,965 15,015,489  
Individually measured for impairment, recorded investment 36,102 14,647  
Total 15,281,067 15,030,136  
Related allowance [Abstract]      
Collectively measured for impairment, related allowance 133,232 144,877  
Individually measured for impairment, related allowance 3,993 276  
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest 137,225 145,153 141,232
Commercial real estate [Member]      
Allowance for loan losses [Roll Forward]      
Beginning balance 91,072 94,718 57,648
Financing Receivable, Excluding Accrued Interest, Credit Loss Expense (Reversal) (5,117) (2,481) 42,151
Loans charged off (126) (1,455) (8,446)
Recoveries of loans previously charged off 291 290 3,365
Ending balance 86,120 91,072 94,718
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]      
Beginning Balance 31,959 27,439 40,490
Provision for off-balance sheet credit risk (1,873) 4,520 (13,051)
Ending Balance 30,086 31,959 27,439
Recorded investment [Abstract]      
Collectively measured for impairment, recorded investment 5,665,309 5,048,547  
Individually measured for impairment, recorded investment 6,697 9,905  
Total 5,672,006 5,058,452  
Related allowance [Abstract]      
Collectively measured for impairment, related allowance 83,925 91,072  
Individually measured for impairment, related allowance 2,195 0  
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest 86,120 91,072 94,718
Loans to individuals [Member]      
Allowance for loan losses [Roll Forward]      
Beginning balance 43,810 41,173 46,470
Financing Receivable, Excluding Accrued Interest, Credit Loss Expense (Reversal) 11,174 5,658 (1,941)
Loans charged off (4,805) (5,617) (5,972)
Recoveries of loans previously charged off 2,336 2,596 2,616
Ending balance 52,515 43,810 41,173
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]      
Beginning Balance 1,635 1,776 2,183
Provision for off-balance sheet credit risk (173) (141) (407)
Ending Balance 1,462 1,635 1,776
Recorded investment [Abstract]      
Collectively measured for impairment, recorded investment 4,666,828 4,003,963  
Individually measured for impairment, recorded investment 31,561 22,173  
Total 4,698,389 4,026,136  
Related allowance [Abstract]      
Collectively measured for impairment, related allowance 52,515 43,810  
Individually measured for impairment, related allowance 0 0  
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest $ 52,515 $ 43,810 $ 41,173
v3.25.4
Loans and Allowances for Credit Losses, Credit Quality Indicators (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year $ 4,837,906 $ 3,279,975  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 2,929,790 2,873,863  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 2,406,752 4,270,179  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 3,473,304 2,359,227  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 1,809,153 1,369,849  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 3,229,709 2,993,779  
Financing Receivable, Excluding Accrued Interest, Revolving 6,931,313 6,938,929  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 33,535 28,923  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 25,651,462 24,114,724  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 10,305 18,835 $ 27,316
Commercial [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 2,829,075 2,067,074  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 1,391,772 1,866,895  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 1,446,727 1,751,617  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 1,390,486 1,095,279  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 722,309 709,743  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 1,617,094 1,653,117  
Financing Receivable, Excluding Accrued Interest, Revolving 5,881,619 5,883,625  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 1,985 2,786  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 15,281,067 15,030,136  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 5,374 11,763 12,898
Commercial [Member] | Healthcare [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 1,111,032 539,305  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 470,219 597,283  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 465,539 966,286  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 792,485 497,918  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 304,258 395,743  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 638,361 719,305  
Financing Receivable, Excluding Accrued Interest, Revolving 226,305 251,683  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 9 10  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 4,008,208 3,967,533  
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 31 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 0 7,240  
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 31 7,240  
Commercial [Member] | Services [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 699,259 629,978  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 467,258 629,968  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 498,666 431,168  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 395,970 406,506  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 267,482 188,541  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 635,513 590,321  
Financing Receivable, Excluding Accrued Interest, Revolving 947,278 765,942  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 491 779  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 3,911,917 3,643,203  
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 0 22  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 0 80  
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 4,147 9  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff 21 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 4,168 111  
Commercial [Member] | Energy [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 147,840 148,972  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 58,798 46,094  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 44,882 39,050  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 10,479 2,621  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 2,297 6,488  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 19,500 17,038  
Financing Receivable, Excluding Accrued Interest, Revolving 2,598,446 2,994,461  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 2,882,242 3,254,724  
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 94 226  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 94 226  
Commercial [Member] | General business [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 870,944 748,819  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 395,497 593,550  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 437,640 315,113  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 191,552 188,234  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 148,272 118,971  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 323,720 326,453  
Financing Receivable, Excluding Accrued Interest, Revolving 2,109,590 1,871,539  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 1,485 1,997  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 4,478,700 4,164,676  
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff 14 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 0 27  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 132 1,465  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 0 166  
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 826 2,425  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff 109 103  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 1,081 4,186  
Commercial real estate [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 948,049 436,206  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 939,838 512,927  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 476,954 2,056,446  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 1,681,534 825,292  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 700,404 233,619  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 818,028 852,655  
Financing Receivable, Excluding Accrued Interest, Revolving 107,199 141,307  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 5,672,006 5,058,452  
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 126 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 0 1,455  
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 126 1,455 8,446
Loans to individuals [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 1,060,782 776,695  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 598,180 494,041  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 483,071 462,116  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 401,284 438,656  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 386,440 426,487  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 794,587 488,007  
Financing Receivable, Excluding Accrued Interest, Revolving 942,495 913,997  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 31,550 26,137  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 4,698,389 4,026,136  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 4,805 5,617 $ 5,972
Loans to individuals [Member] | Residential Mortgage [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 564,603 530,431  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 405,519 340,112  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 267,120 288,166  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 251,903 319,676  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 281,644 315,397  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 464,874 217,829  
Financing Receivable, Excluding Accrued Interest, Revolving 464,484 401,829  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 31,268 23,518  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 2,731,415 2,436,958  
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 38 43  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 48 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 56 18  
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 178 10  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 320 71  
Loans to individuals [Member] | Residential Mortgage [Member] | US Government Agency Insured Loans      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 776 462  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 3,676 4,337  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 9,851 6,618  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 8,751 2,432  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 2,801 3,786  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 132,504 119,014  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 158,359 136,649  
Loans to individuals [Member] | Personal [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 495,403 245,802  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 188,985 149,592  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 206,100 167,332  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 140,630 116,548  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 101,995 107,304  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 197,209 151,164  
Financing Receivable, Excluding Accrued Interest, Revolving 478,011 512,168  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 282 2,619  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 1,808,615 1,452,529  
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff [1] 4,325 5,269  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff [1] 87 69  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff [1] 24 101  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff [1] 19 52  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff [1] 0 9  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff [1] 5 0  
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff [1] 25 26  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff [1] 0 20  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss [1] 4,485 5,546  
Performing [Member] | Commercial [Member] | Healthcare [Member] | Pass [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 1,110,851 539,305  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 460,630 544,103  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 413,197 896,042  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 744,765 481,816  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 298,992 344,609  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 546,567 644,441  
Financing Receivable, Excluding Accrued Interest, Revolving 226,298 249,793  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 9 10  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 3,801,309 3,700,119  
Performing [Member] | Commercial [Member] | Healthcare [Member] | Special Mention [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 15,000  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 64,895  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 43,576 110  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 96 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 0 32,555  
Financing Receivable, Excluding Accrued Interest, Revolving 5 255  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 43,677 112,815  
Performing [Member] | Commercial [Member] | Healthcare [Member] | Accruing Substandard [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 181 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 9,589 38,180  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 37,492 5,253  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 4,144 15,529  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 5,170 51,134  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 83,156 29,151  
Financing Receivable, Excluding Accrued Interest, Revolving 0 1,635  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 139,732 140,882  
Performing [Member] | Commercial [Member] | Services [Member] | Pass [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 693,147 629,978  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 462,642 625,969  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 488,381 422,015  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 393,685 404,949  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 265,346 187,324  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 612,098 570,775  
Financing Receivable, Excluding Accrued Interest, Revolving 865,163 745,853  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 491 379  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 3,780,953 3,587,242  
Performing [Member] | Commercial [Member] | Services [Member] | Special Mention [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 1,071 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 4,369 3,324  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 428 123  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 1,537  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 20,011 11,796  
Financing Receivable, Excluding Accrued Interest, Revolving 76,565 17,923  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 102,444 34,703  
Performing [Member] | Commercial [Member] | Services [Member] | Accruing Substandard [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 4,595 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 218 675  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 9,857 9,030  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 1,421 20  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 2,136 1,217  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 3,404 7,750  
Financing Receivable, Excluding Accrued Interest, Revolving 754 1,399  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 400  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 22,385 20,491  
Performing [Member] | Commercial [Member] | Energy [Member] | Pass [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 147,840 148,972  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 58,798 46,094  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 44,882 39,050  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 10,479 2,621  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 2,297 6,488  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 19,500 16,989  
Financing Receivable, Excluding Accrued Interest, Revolving 2,598,446 2,985,161  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 2,882,242 3,245,375  
Performing [Member] | Commercial [Member] | Energy [Member] | Accruing Substandard [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year   0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year   0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year   0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year   0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year   0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year   0  
Financing Receivable, Excluding Accrued Interest, Revolving   9,300  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan   0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss   9,300  
Performing [Member] | Commercial [Member] | General business [Member] | Pass [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 845,421 740,440  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 389,679 571,897  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 424,859 267,528  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 179,660 176,468  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 139,664 117,755  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 318,834 319,986  
Financing Receivable, Excluding Accrued Interest, Revolving 2,066,703 1,862,643  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 1,369 1,938  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 4,366,189 4,058,655  
Performing [Member] | Commercial [Member] | General business [Member] | Special Mention [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 24,882 4,399  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 1,480 5,749  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 6,920 4,285  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 4,288 7,002  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 7,070 224  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 2,099 1,736  
Financing Receivable, Excluding Accrued Interest, Revolving 40,873 3,037  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 106 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 87,718 26,432  
Performing [Member] | Commercial [Member] | General business [Member] | Accruing Substandard [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 641 3,980  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 4,338 15,872  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 4,416 43,300  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 5,441 4,764  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 1,466 992  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 0 4,708  
Financing Receivable, Excluding Accrued Interest, Revolving 2,014 5,859  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 18,316 79,475  
Performing [Member] | Commercial real estate [Member] | Pass [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 948,049 436,206  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 939,354 512,614  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 476,954 2,004,558  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 1,670,158 793,161  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 671,080 233,619  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 777,510 810,497  
Financing Receivable, Excluding Accrued Interest, Revolving 107,199 141,307  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 5,590,304 4,931,962  
Performing [Member] | Commercial real estate [Member] | Special Mention [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 313  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 14,907  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 6,405 32,131  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 3,949 0  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 10,354 47,351  
Performing [Member] | Commercial real estate [Member] | Accruing Substandard [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 484 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 36,981  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 4,971 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 29,324 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 29,872 32,253  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 64,651 69,234  
Performing [Member] | Loans to individuals [Member] | Residential Mortgage [Member] | Pass [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 564,508 530,186  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 404,186 338,187  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 265,734 286,865  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 250,169 318,935  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 280,232 314,814  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 452,195 210,251  
Financing Receivable, Excluding Accrued Interest, Revolving 458,006 395,943  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 29,190 22,929  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 2,704,220 2,418,110  
Performing [Member] | Loans to individuals [Member] | Residential Mortgage [Member] | Special Mention [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 167  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 148  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 140 219  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 10 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 5,387 113  
Financing Receivable, Excluding Accrued Interest, Revolving 1,628 1,767  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 1,298 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 8,463 2,414  
Performing [Member] | Loans to individuals [Member] | Residential Mortgage [Member] | Accruing Substandard [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 72 163  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 12 45  
Financing Receivable, Excluding Accrued Interest, Revolving 385 898  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 67  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 469 1,173  
Performing [Member] | Loans to individuals [Member] | Residential Mortgage [Member] | US Government Agency Insured Loans | Pass [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 776 462  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 3,676 4,337  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 9,453 6,618  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 8,486 2,432  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 2,801 3,506  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 124,581 112,491  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 149,773 129,846  
Performing [Member] | Loans to individuals [Member] | Personal [Member] | Pass [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 489,188 245,737  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 188,899 149,572  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 201,427 167,272  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 140,602 115,710  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 101,967 107,291  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 197,075 151,030  
Financing Receivable, Excluding Accrued Interest, Revolving 476,829 510,147  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 282 2,619  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 1,796,269 1,449,378  
Performing [Member] | Loans to individuals [Member] | Personal [Member] | Special Mention [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 22 18  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 18 17  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 46 30  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 17 825  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 16 8  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 4 0  
Financing Receivable, Excluding Accrued Interest, Revolving 1,182 8  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 1,305 906  
Performing [Member] | Loans to individuals [Member] | Personal [Member] | Accruing Substandard [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 6,186 16  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 12 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 2 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 1  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 129 129  
Financing Receivable, Excluding Accrued Interest, Revolving 0 1,990  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 6,329 2,136  
Nonaccrual [Member] | Commercial [Member] | Healthcare [Member] | Nonaccrual      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 14,850 96  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 463  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 8,638 13,158  
Financing Receivable, Excluding Accrued Interest, Revolving 2 0  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 23,490 13,717  
Nonaccrual [Member] | Commercial [Member] | Services [Member] | Nonaccrual      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 446 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 29 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 864 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving 4,796 767  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 6,135 767  
Nonaccrual [Member] | Commercial [Member] | Energy [Member] | Nonaccrual      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year   0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year   0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year   0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year   0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year   0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year   49  
Financing Receivable, Excluding Accrued Interest, Revolving   0  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan   0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss   49  
Nonaccrual [Member] | Commercial [Member] | General business [Member] | Nonaccrual      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 32  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 1,445 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 2,163 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 72 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 2,787 23  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 10 59  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 6,477 114  
Nonaccrual [Member] | Commercial real estate [Member] | Nonaccrual      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 6,697 9,905  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 6,697 9,905  
Nonaccrual [Member] | Loans to individuals [Member] | Residential Mortgage [Member] | Nonaccrual      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 95 245  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 1,333 1,758  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 1,314 990  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 1,594 522  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 1,402 583  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 7,280 7,420  
Financing Receivable, Excluding Accrued Interest, Revolving 4,465 3,221  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 780 522  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 18,263 15,261  
Nonaccrual [Member] | Loans to individuals [Member] | Residential Mortgage [Member] | US Government Agency Insured Loans | Nonaccrual      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 398 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 265 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 280  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 7,923 6,523  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 8,586 6,803  
Nonaccrual [Member] | Loans to individuals [Member] | Personal [Member] | Nonaccrual      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 7 31  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 56 3  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 4,627 30  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 9 13  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 12 4  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 1 5  
Financing Receivable, Excluding Accrued Interest, Revolving 0 23  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss $ 4,712 $ 109  
[1] Includes charge-offs on deposit overdrafts, which are generally charged off at 60 days past due.
v3.25.4
Loans and Allowances for Credit Losses, Nonaccrual (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual $ 74,360 $ 46,725
Nonaccrual [Member] | Nonaccrual    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 74,360 46,725
Financing Receivable, Nonaccrual, No Allowance 55,017 46,449
Financing receivable, Nonaccrual, With Allowance 19,343 276
Financing Receivable, Nonaccrual, Related Allowance 6,188 276
Commercial [Member]    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 36,102 14,647
Commercial [Member] | Nonaccrual [Member] | Nonaccrual    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 36,102 14,647
Financing Receivable, Nonaccrual, No Allowance 23,456 14,371
Financing receivable, Nonaccrual, With Allowance 12,646 276
Financing Receivable, Nonaccrual, Related Allowance 3,993 276
Commercial [Member] | Healthcare [Member] | Nonaccrual [Member] | Nonaccrual    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 23,490 13,717
Financing Receivable, Nonaccrual, No Allowance 18,390 13,717
Financing receivable, Nonaccrual, With Allowance 5,100 0
Financing Receivable, Nonaccrual, Related Allowance 200 0
Commercial [Member] | Services [Member] | Nonaccrual [Member] | Nonaccrual    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 6,135 767
Financing Receivable, Nonaccrual, No Allowance 1,339 491
Financing receivable, Nonaccrual, With Allowance 4,796 276
Financing Receivable, Nonaccrual, Related Allowance 1,043 276
Commercial [Member] | Energy [Member] | Nonaccrual [Member] | Nonaccrual    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual   49
Financing Receivable, Nonaccrual, No Allowance   49
Financing receivable, Nonaccrual, With Allowance   0
Financing Receivable, Nonaccrual, Related Allowance   0
Commercial [Member] | General business [Member] | Nonaccrual [Member] | Nonaccrual    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 6,477 114
Financing Receivable, Nonaccrual, No Allowance 3,727 114
Financing receivable, Nonaccrual, With Allowance 2,750 0
Financing Receivable, Nonaccrual, Related Allowance 2,750 0
Commercial real estate [Member]    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 6,697 9,905
Commercial real estate [Member] | Nonaccrual [Member] | Nonaccrual    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 6,697 9,905
Financing Receivable, Nonaccrual, No Allowance 0 9,905
Financing receivable, Nonaccrual, With Allowance 6,697 0
Financing Receivable, Nonaccrual, Related Allowance 2,195 0
Loans to individuals [Member]    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 31,561 22,173
Loans to individuals [Member] | Nonaccrual [Member] | Nonaccrual    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 31,561 22,173
Financing Receivable, Nonaccrual, No Allowance 31,561 22,173
Financing receivable, Nonaccrual, With Allowance 0 0
Financing Receivable, Nonaccrual, Related Allowance 0 0
Loans to individuals [Member] | Residential Mortgage [Member] | Nonaccrual [Member] | Nonaccrual    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 18,263 15,261
Financing Receivable, Nonaccrual, No Allowance 18,263 15,261
Financing receivable, Nonaccrual, With Allowance 0 0
Financing Receivable, Nonaccrual, Related Allowance 0 0
Loans to individuals [Member] | Personal [Member] | Nonaccrual [Member] | Nonaccrual    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 4,712 109
Financing Receivable, Nonaccrual, No Allowance 4,712 109
Financing receivable, Nonaccrual, With Allowance 0 0
Financing Receivable, Nonaccrual, Related Allowance 0 0
US Government Agency Insured Loans | Loans to individuals [Member] | Residential Mortgage [Member] | Nonaccrual [Member] | Nonaccrual    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 8,586 6,803
Financing Receivable, Nonaccrual, No Allowance 8,586 6,803
Financing receivable, Nonaccrual, With Allowance 0 0
Financing Receivable, Nonaccrual, Related Allowance $ 0 $ 0
v3.25.4
Loans and Allowances for Credit Losses, Modifications (Details) - USD ($)
$ in Millions
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Financing Receivable, Modified in Period, Amount $ 85.0 $ 100.0
Financing Receivable, Modified, Subsequent Default $ 22.0 31.0
Number of Days Past Due Following Modification to be Considered a Payment Default 30 days  
Commercial [Member] | Extended Maturity    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Financing Receivable, Modified, Subsequent Default   25.0
Commercial real estate [Member]    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Financing Receivable, Modified in Period, Amount $ 32.0  
Commercial Portfolio Segment and Commercial Real Estate Portfolio Segment | Extended Maturity    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Financing Receivable, Modified in Period, Amount 66.0  
Commercial Portfolio Segment and Loans to individuals Portfolio Segment | Extended Maturity    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Financing Receivable, Modified in Period, Amount   91.0
Healthcare [Member] | Commercial [Member]    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Financing Receivable, Modified in Period, Amount 31.0 72.0
Healthcare [Member] | Commercial [Member] | Extended Maturity    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Financing Receivable, Modified, Subsequent Default 10.0  
Energy [Member] | Commercial [Member]    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Financing Receivable, Modified in Period, Amount   9.3
US Government Agency Insured Loans | Residential Mortgage [Member] | Loans to individuals [Member]    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Financing Receivable, Modified in Period, Amount 19.0 8.6
US Government Agency Insured Loans | Residential Mortgage [Member] | Loans to individuals [Member] | Extended Maturity and Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Financing Receivable, Modified in Period, Amount 19.0 8.6
Financing Receivable, Modified, Subsequent Default $ 9.9 $ 5.2
v3.25.4
Loans and Allowances for Credit Losses, By Aging Category (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans $ 25,651,462 $ 24,114,724
Past Due 90 Days or More and Accruing 76,535 52,504
Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 25,466,768 23,953,419
30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 40,003 59,350
60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 22,748 21,775
90 Days or More [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 121,943 80,180
Commercial [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 15,281,067 15,030,136
Past Due 90 Days or More and Accruing 0 0
Commercial [Member] | Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 15,239,734 14,990,812
Commercial [Member] | 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 9,178 28,845
Commercial [Member] | 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 8,638 837
Commercial [Member] | 90 Days or More [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 23,517 9,642
Commercial [Member] | Healthcare [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 4,008,208 3,967,533
Past Due 90 Days or More and Accruing 0 0
Commercial [Member] | Healthcare [Member] | Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 3,984,720 3,932,142
Commercial [Member] | Healthcare [Member] | 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 0 25,778
Commercial [Member] | Healthcare [Member] | 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 0 0
Commercial [Member] | Healthcare [Member] | 90 Days or More [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 23,488 9,613
Commercial [Member] | Services [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 3,911,917 3,643,203
Past Due 90 Days or More and Accruing 0 0
Commercial [Member] | Services [Member] | Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 3,903,616 3,642,436
Commercial [Member] | Services [Member] | 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 3,476 0
Commercial [Member] | Services [Member] | 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 4,796 767
Commercial [Member] | Services [Member] | 90 Days or More [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 29 0
Commercial [Member] | Energy [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 2,882,242 3,254,724
Past Due 90 Days or More and Accruing 0 0
Commercial [Member] | Energy [Member] | Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 2,882,242 3,254,724
Commercial [Member] | Energy [Member] | 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 0 0
Commercial [Member] | Energy [Member] | 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 0 0
Commercial [Member] | Energy [Member] | 90 Days or More [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 0 0
Commercial [Member] | General business [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 4,478,700 4,164,676
Past Due 90 Days or More and Accruing 0 0
Commercial [Member] | General business [Member] | Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 4,469,156 4,161,510
Commercial [Member] | General business [Member] | 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 5,702 3,067
Commercial [Member] | General business [Member] | 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 3,842 70
Commercial [Member] | General business [Member] | 90 Days or More [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 0 29
Commercial real estate [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 5,672,006 5,058,452
Past Due 90 Days or More and Accruing 0 0
Commercial real estate [Member] | Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 5,664,492 5,048,667
Commercial real estate [Member] | 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 817 0
Commercial real estate [Member] | 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 0 0
Commercial real estate [Member] | 90 Days or More [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 6,697 9,785
Loans to individuals [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 4,698,389 4,026,136
Past Due 90 Days or More and Accruing 76,535 52,504
Loans to individuals [Member] | Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 4,562,542 3,913,940
Loans to individuals [Member] | 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 30,008 30,505
Loans to individuals [Member] | 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 14,110 20,938
Loans to individuals [Member] | 90 Days or More [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 91,729 60,753
Loans to individuals [Member] | Residential Mortgage [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 2,731,415 2,436,958
Past Due 90 Days or More and Accruing 0 0
Loans to individuals [Member] | Residential Mortgage [Member] | Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 2,714,617 2,416,633
Loans to individuals [Member] | Residential Mortgage [Member] | 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 8,570 10,930
Loans to individuals [Member] | Residential Mortgage [Member] | 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 2,182 5,622
Loans to individuals [Member] | Residential Mortgage [Member] | 90 Days or More [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 6,046 3,773
Loans to individuals [Member] | Residential Mortgage [Member] | US Government Agency Insured Loans    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 158,359 136,649
Past Due 90 Days or More and Accruing 76,535 52,504
Loans to individuals [Member] | Residential Mortgage [Member] | US Government Agency Insured Loans | Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 47,950 45,910
Loans to individuals [Member] | Residential Mortgage [Member] | US Government Agency Insured Loans | 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 17,975 18,514
Loans to individuals [Member] | Residential Mortgage [Member] | US Government Agency Insured Loans | 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 11,377 15,268
Loans to individuals [Member] | Residential Mortgage [Member] | US Government Agency Insured Loans | 90 Days or More [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 81,057 56,957
Loans to individuals [Member] | Personal [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 1,808,615 1,452,529
Past Due 90 Days or More and Accruing 0 0
Loans to individuals [Member] | Personal [Member] | Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 1,799,975 1,451,397
Loans to individuals [Member] | Personal [Member] | 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 3,463 1,061
Loans to individuals [Member] | Personal [Member] | 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 551 48
Loans to individuals [Member] | Personal [Member] | 90 Days or More [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans $ 4,626 $ 23
v3.25.4
Premises and Equipment and Leases Premises and Equipment and Leases (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Premises and Equipment [Line Items]      
Premises and equipment $ 1,185,465 $ 1,171,857  
Less accumulated depreciation 546,529 537,372  
Premises and equipment, net of accumulated depreciation 638,936 634,485  
Depreciation Expense 74,400 68,500 $ 68,700
Lessee, Operating Lease, Liability, Payment, Due [Abstract]      
Operating Leases, Payments Due, 2026 34,495    
Operating Leases, Payments, 2027 32,143    
Operating Leases, Payments, 2028 30,473    
Operating Leases, Payments, 2029 29,394    
Operating Lease, Payments, 2030 27,978    
Operating Leases, Payments, 2031 and later 147,895    
Total undiscounted lease payments 302,378    
Less: Interest 74,258    
Lease liabilities $ 228,120    
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration] Other liabilities    
Lease, Cost [Abstract]      
Operating Lease, Right-of-Use Asset $ 193,000 $ 213,000  
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration] Premises and equipment, net of accumulated depreciation Premises and equipment, net of accumulated depreciation  
Operating Lease, Weighted Average Remaining Lease Term 8 years 10 months 24 days    
Operating Lease, Weighted Average Discount Rate, Percent 3.40%    
Finance Lease, Weighted Average Remaining Lease Term 2 years 7 months 6 days    
Finance Lease, Weighted Average Discount Rate, Percent 3.90%    
Operating Lease, Cost $ 26,191 $ 26,800 25,282
Variable Lease, Cost 14,958 14,962 15,327
Finance Lease, Right-of-Use Asset, Amortization 2,844 3,497 3,592
Short-term Lease, Cost 270 447 283
Operating Lease, operating cash flows 29,800 28,600 $ 26,800
Land      
Premises and Equipment [Line Items]      
Premises and equipment 68,762 68,816  
Buildings and improvements      
Premises and Equipment [Line Items]      
Premises and equipment 540,388 540,832  
Software and related integration      
Premises and Equipment [Line Items]      
Premises and equipment 264,638 270,991  
Furniture and equipment      
Premises and Equipment [Line Items]      
Premises and equipment 272,255 245,796  
Construction in progress      
Premises and Equipment [Line Items]      
Premises and equipment $ 39,422 $ 45,422  
v3.25.4
Goodwill and Intangible Assets (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
USD ($)
segment
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Finite-Lived Intangible Assets [Line Items]      
Finite-lived intangible assets, net $ 34,752 $ 46,788  
Finite-Lived Intangible Assets, Net, Amortization Expense, Fiscal Year Maturity [Abstract]      
2026 9,507    
2027 8,292    
2028 5,972    
2029 1,010    
2030 982    
Thereafter 8,989    
Goodwill [Roll Forward]      
Goodwill $ 1,044,749 1,044,749 $ 1,044,749
Number of Reportable Segments | segment 3    
Commercial [Member]      
Goodwill [Roll Forward]      
Goodwill $ 910,589 910,589 910,589
Consumer [Member]      
Goodwill [Roll Forward]      
Goodwill 43,458 43,458 43,458
Wealth Management [Member]      
Goodwill [Roll Forward]      
Goodwill 90,702 90,702 90,702
Funds Management and Other [Member]      
Goodwill [Roll Forward]      
Goodwill 0 0 $ 0
Core deposits premiums [Member]      
Finite-Lived Intangible Assets [Line Items]      
Finite-lived intangible assets, gross 103,200 103,200  
Accumulated amortization 83,330 74,654  
Finite-lived intangible assets, net 19,870 28,546  
Finite-Lived Intangible Assets, Net, Amortization Expense, Fiscal Year Maturity [Abstract]      
2026 7,986    
2027 6,956    
2028 4,928    
2029 0    
2030 0    
Thereafter 0    
Other identifiable intangible assets [Member]      
Finite-Lived Intangible Assets [Line Items]      
Finite-lived intangible assets, gross 50,044 51,671  
Accumulated amortization 35,162 33,429  
Finite-lived intangible assets, net 14,882 $ 18,242  
Finite-Lived Intangible Assets, Net, Amortization Expense, Fiscal Year Maturity [Abstract]      
2026 1,521    
2027 1,336    
2028 1,044    
2029 1,010    
2030 982    
Thereafter $ 8,989    
v3.25.4
Mortgage Banking Activities, Components of Loans Held For Sale (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Schedule of Residential Mortgage Loans Held For Sale [Line Items]      
Residential mortgage loans held for sale, nonperforming $ 0 $ 0  
Number of days for past due for a residential mortgage loan to be considered nonperforming (in days) 90 days 90 days  
Credit losses recognized on residential mortgage loans held for sale $ 0 $ 0 $ 0
Components of Residential Mortgage Loans Held for Sale [Abstract]      
Unpaid principal balance 93,110 77,080  
Residential mortgage loans held for sale, Fair value 93,133 75,969  
Residential mortgage loans held for sale $ 94,630 $ 77,561  
Not Designated as Hedging Instrument [Member] | Residential mortgage loan commitments [Member]      
Schedule of Residential Mortgage Loans Held For Sale [Line Items]      
General number of days outstanding for residential mortgage commitments, minimum (in days) 60 days 60 days  
General number of days outstanding for residential mortgage commitments, maximum (in days) 90 days 90 days  
Components of Residential Mortgage Loans Held for Sale [Abstract]      
Derivative, Notional Amount $ 49,048 $ 36,590  
Derivative, Net fair value $ 1,729 $ 1,119  
Not Designated as Hedging Instrument [Member] | Forward sales contracts [Member]      
Schedule of Residential Mortgage Loans Held For Sale [Line Items]      
General number of days for delivery of loans, for which the price is set by forward sales contracts, minimum (in days) 60 days 60 days  
General number of days for delivery of loans, for which the price is set by forward sales contracts, maximum (in days) 90 days 90 days  
Components of Residential Mortgage Loans Held for Sale [Abstract]      
Derivative, Notional Amount $ 100,500 $ 82,000  
Derivative, Net fair value $ (232) $ 473  
v3.25.4
Mortgage Banking Activities, Mortgage Banking Revenue (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Mortgage Banking Revenue [Abstract]      
Net realized gain (loss) on sales of mortgage loans $ 7,630 $ 8,271 $ (5,021)
Net change in unrealized gain on mortgage loans held for sale 1,134 (646) 538
Net change in fair value of mortgage loan commitments 610 (260) 325
Net change in the fair value of forward sales contracts (705) 1,374 (1,181)
Total mortgage production revenue 8,669 8,739 (5,339)
Servicing revenue 68,916 65,368 61,037
Total mortgage banking revenue $ 800,740 $ 810,023 $ 781,118
v3.25.4
Mortgage Banking Activities, Mortgage Servicing Rights (Details)
 12 Months Ended
Dec. 31, 2025
USD ($)
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Summary of Mortgage Servicing Rights [Abstract]      
Number of residential mortgage loans serviced for others 123,263 125,728 115,967
Outstanding principal balance of residential mortgage loans serviced for others $ 21,760,414,000 $ 22,269,513,000 $ 20,382,192,000
Weighted average interest rate (in hundredths) 3.83% 3.73% 3.64%
Remaining contractual term (in months) 270 months 276 months 280 months
Servicing Asset at Fair Value, Amount [Roll Forward]      
Beginning balance $ 338,145,000 $ 293,884,000 $ 277,608,000
Additions 13,066,000 14,976,000 12,142,000
Acquisitions 14,615,000 41,655,000 34,593,000
Change in fair value due to principal payments (29,875,000) (30,807,000) (27,344,000)
Change in fair value due to market changes (13,227,000) 18,437,000 (3,115,000)
Ending balance $ 322,724,000 $ 338,145,000 $ 293,884,000
Servicing Assets at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]      
Discount rate - risk-free rate plus a market premium (in hundredths) 9.31% 9.60%  
Prepayment rate - based upon loan interest rate, original term and loan type 7.07% 7.09%  
Loan servicing costs - annually per loan based upon loan type, performing, minimum (in dollars per loan) $ 73 $ 73  
Loan servicing costs - annually per loan based upon loan type, performing, maximum (in dollars per loan) 94 94  
Loan servicing costs - annually per loan based upon loan type, delinquent, minimum (in dollars per loan) 150 150  
Loan servicing costs - annually per loan based upon loan type, delinquent, maximum (in dollars per loan) 500 500  
Loan servicing costs - annually per loan based upon loan type, foreclosure, minimum (in dollars per loan) 875 875  
Loan servicing costs - annually per loan based upon loan type, foreclosure, maximum (in dollars per loan) $ 6,000 $ 6,000  
Primary secondary mortgage rate spread (in basis points) 128 115  
Escrow earnings rate - indexed to rates paid on deposit accounts with comparable average life 3.66% 4.44%  
Delinquency rate 2.28% 2.19%  
v3.25.4
Deposits (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Interest expense on deposits [Abstract]      
Transaction deposits $ 814,145 $ 861,538 $ 540,068
Savings 4,683 4,845 2,913
Total time 136,943 159,346 83,616
Total 955,771 1,025,729 $ 626,597
Time Deposit Information [Abstract]      
Time deposits in denomination of $250,000 or more 891,000 956,000  
Time Deposit Maturities [Abstract]      
2026 2,400,000    
2027 1,100,000    
2028 67,000    
2029 18,000    
2030 9,400    
Thereafter 31,000    
Other Deposits Information [Abstract]      
Overdrawn customer transaction deposits reclassified as loan balances $ 4,400 $ 5,200  
v3.25.4
Other Borrowed Funds (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Other Borrowed Funds [Line Items]      
Balance $ 4,634,244 $ 4,454,179 $ 8,955,450
Average Balance $ 5,735,227 $ 7,635,810 $ 8,763,904
Rate 4.33% 5.24% 5.06%
Other borrowed funds, Maturities [Abstract]      
2026 $ 4,230,892    
2027 2,248    
2028 200    
2029 0    
2030 0    
Thereafter 400,904    
Funds purchased [Member]      
Other Borrowed Funds [Line Items]      
Balance $ 970,293 $ 615,809 $ 515,747
Rate 3.54% 4.21% 5.17%
Average Balance $ 679,310 $ 613,294 $ 847,676
Rate 3.82% 4.66% 4.83%
Maximum Outstanding At Any Month End $ 1,162,990 $ 899,447 $ 1,711,580
Repurchase agreements [Member]      
Other Borrowed Funds [Line Items]      
Balance $ 521,423 $ 677,047 $ 607,001
Rate 1.82% 1.45% 1.70%
Average Balance $ 265,462 $ 682,699 $ 1,805,978
Rate 2.08% 3.49% 4.32%
Maximum Outstanding At Any Month End $ 521,423 $ 1,627,169 $ 4,433,480
Other Borrowings [Member]      
Other Borrowed Funds [Line Items]      
Balance 2,745,939 3,030,123 7,701,552
Average Balance $ 4,672,347 $ 6,208,654 $ 5,979,095
Rate 4.48% 5.45% 5.28%
Federal Home Loan Bank advances [Member]      
Other Borrowed Funds [Line Items]      
Balance $ 2,700,000 $ 3,000,000 $ 7,675,000
Rate 3.91% 4.58% 5.51%
Average Balance $ 4,632,535 $ 6,181,011 $ 5,948,863
Rate 4.47% 5.45% 5.28%
Maximum Outstanding At Any Month End $ 4,100,000 $ 6,700,000 $ 7,875,000
GNMA repurchase liability [Member]      
Other Borrowed Funds [Line Items]      
Balance $ 34,215 $ 17,628 $ 11,660
Rate 3.99% 3.83% 4.13%
Average Balance $ 27,625 $ 13,914 $ 11,224
Rate 3.91% 4.17% 4.04%
Maximum Outstanding At Any Month End $ 34,215 $ 17,628 $ 12,414
Other [Member]      
Other Borrowed Funds [Line Items]      
Balance $ 11,724 $ 12,495 $ 14,892
Rate 4.21% 4.78% 5.50%
Average Balance $ 12,187 $ 13,729 $ 19,008
Rate 7.90% 6.04% 3.91%
Maximum Outstanding At Any Month End $ 20,863 $ 14,800 $ 26,311
Subordinated debentures [Member]      
Other Borrowed Funds [Line Items]      
Balance $ 396,589 [1] $ 131,200 [2] $ 131,150 [3]
Rate 6.11% [1] 6.43% [2] 6.93% [3]
Average Balance $ 118,108 [1] $ 131,163 [2] $ 131,155 [3]
Rate 6.26% [1] 7.03% [2] 6.83% [3]
Maximum Outstanding At Any Month End $ 396,878 [1] $ 131,200 [2] $ 131,164 [3]
Subordinated debentures [Member] | Subordinated debentures-acquired, 2015 Issuance [Member]      
Other borrowed funds, Other Disclosures [Abstract]      
Amount of debt issuance $ 60,000    
Maturity date Jun. 25, 2030    
Subordinated debentures [Member] | Junior subordinated debentures-acquired      
Other borrowed funds, Other Disclosures [Abstract]      
Amount of debt issuance $ 72,000    
Debt Instrument, Maturity Date Range, Start Sep. 17, 2033    
Debt Instrument, Maturity Date Range, End Sep. 30, 2035    
Debt Instrument, Redemption Price, Percentage of Principal Amount Redeemed 100.00%    
Subsidiaries [Member] | Funds purchased [Member]      
Other borrowed funds, Other Disclosures [Abstract]      
Number of days to maturity, minimum 1 day    
Number of days to maturity, maximum 90 days    
Subsidiaries [Member] | Repurchase agreements [Member]      
Other borrowed funds, Other Disclosures [Abstract]      
Number of days to maturity, maximum 90 days    
Subsidiaries [Member] | Federal Home Loan Bank advances [Member]      
Other borrowed funds, Other Disclosures [Abstract]      
Federal Home Loan Banks, Letters of credit issued to secure public funds $ 859,000    
Unused credit available pursuant to the FHLB's collateral policies 5,100,000    
Subsidiaries [Member] | Subordinated debentures [Member] | Subordinated debentures-issued, 2025 issuance      
Other borrowed funds, Other Disclosures [Abstract]      
Amount of debt issuance $ 400,000    
Maturity date Nov. 06, 2040    
Stated interest rate 6.108%    
Interest rate description Five-Year U.S. Treasury rate plus 2.00%    
Debt Instrument, Payment Terms Interest is payable semi-annually in arrears beginning on May 6, 2026.    
Subsidiaries [Member] | Subordinated debentures [Member] | Subordinated debentures-issued, 2025 issuance | Debt Instrument, Redemption, Period One      
Other borrowed funds, Other Disclosures [Abstract]      
Debt Instrument, Redemption Period, Start Date Aug. 08, 2035    
Debt Instrument, Redemption Period, End Date Nov. 06, 2035    
Debt Instrument, Redemption, Description in whole, but not in part, on any day in the period    
Subsidiaries [Member] | Subordinated debentures [Member] | Subordinated debentures-issued, 2025 issuance | Debt Instrument, Redemption, Period Two      
Other borrowed funds, Other Disclosures [Abstract]      
Debt Instrument, Redemption Period, Start Date May 10, 2040    
Debt Instrument, Redemption, Description in whole or in part, at any time and from time to time, on or after    
Subsidiaries [Member] | Subordinated debentures [Member] | Subordinated debentures-issued, 2025 issuance | Debt Instrument, Redemption, Period Three      
Other borrowed funds, Other Disclosures [Abstract]      
Debt Instrument, Redemption, Description in whole, but not in part, at any time within 90 days following a regulatory capital treatment event.    
Subsidiaries [Member] | BOK Financial Securities, Inc. [Member] | Other [Member]      
Other Borrowed Funds [Line Items]      
Balance $ 0 $ 0  
[1] BOKF, NA only as of December 31, 2025. Parent Company and BOKF, NA for average for the year ended December 31, 2025.
[2] Parent Company only.
[3] Parent Company only.
v3.25.4
Federal and State Income Taxes (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Deferred tax assets [Abstract]      
Available for sale securities mark to market $ 51,019 $ 154,277  
Credit loss reserves 76,937 78,016  
Lease liability 53,274 58,399  
Deferred compensation 56,512 51,545  
Deferred Tax Asset, Loan Origination Fee, Net 3,954 4,442  
Other 20,799 25,918  
Total deferred tax assets 262,495 372,597  
Valuation Allowance [Abstract]      
Valuation allowance 0 0  
Deferred tax liabilities [Abstract]      
Right-of-use asset 44,323 49,249  
Mortgage servicing rights 35,971 35,464  
Acquired identifiable intangible 19,734 20,619  
Depreciation 23,038 5,878  
Lease financing 4,684 9,342  
Other 11,359 20,176  
Total deferred tax liabilities 139,109 140,728  
Net deferred tax assets, net 123,386 231,869  
Current income tax expense [Abstract]      
Federal 137,146 116,663 $ 152,600
State 20,269 18,148 19,298
Total current income tax expense 157,415 134,811 171,898
Deferred income tax expense [Abstract]      
Federal 4,179 7,632 (17,973)
State 1,046 648 (1,810)
Total deferred income tax expense (benefit) 5,225 8,280 (19,783)
Total income tax expense $ 162,640 143,091 152,115
Tax Jurisdiction of Domicile [Extensible Enumeration] UNITED STATES    
Effective Income Tax Rate Reconciliation, Amount [Abstract]      
Federal statutory tax $ 155,530 139,996 143,482
State income taxes, net of federal benefits [1] $ 16,742 $ 15,055 $ 13,330
Effective Income Tax Rate Reconciliation, State and Local Jurisdiction, Contribution Greater than 50 Percent, Tax Effect [Extensible Enumeration] Arizona [Domain], Colorado [Domain], Oklahoma [Domain] Colorado [Domain], New York City [Domain], Oklahoma [Domain] Colorado [Domain], Oklahoma [Domain]
Effective Income Tax Rate Reconciliation, Tax Credit, Amount $ 6,772 $ 7,371 $ 1,805
Other tax credits, net (2,523) (1,486) (868)
Tax exempt revenue (7,073) (6,341) (5,786)
Other adjustments 6,773 3,857 4,444
Changes in unrecognized tax benefit (917) (1,433) (905)
Other, net 880 814 223
Total income tax expense $ 162,640 $ 143,091 $ 152,115
Effective Income Tax Rate Reconciliation, Percent [Abstract]      
Federal statutory tax (in thousandths) 21.00% 21.00% 21.00%
Effect of state income taxes, net of federal benefit (in thousandths) [1] 2.30% 2.30% 2.00%
Effective Income Tax Rate Reconciliation, Tax Credit, Percent (0.90%) (1.10%) (0.30%)
Utilization of tax credits, net of proportional amortization of low-income housing limited partnership investments (in thousandths) (0.30%) (0.20%) (0.10%)
Tax exempt revenue (in thousandths) (1.00%) (1.00%) (0.80%)
Effective Income Tax Rate Reconciliation, Nondeductible Expense, Other, Percent 0.90% 0.60% 0.70%
Effective Income Tax Rate Reconciliation, Tax Contingency, Percent 0.10% 0.20% 0.10%
Other, net (in thousandths) 0.10% 0.10% (0.10%)
Total (in thousandths) 22.00% 21.50% 22.30%
Unrecognized Tax Benefits [Roll Forward]      
Balance as of January 1 $ 16,499 $ 17,957 $ 19,583
Additions for tax for current year positions 3,548 3,397 3,239
Lapses of applicable statute of limitations (4,311) (4,855) (4,865)
Balance as of December 31 15,736 16,499 17,957
Unrecognized Tax Benefits that Would Impact Effective Tax Rate 12,400    
Unrecognized Tax Benefits, Income Tax Penalties and Interest Expense 1,600 1,600 $ 1,600
Unrecognized Tax Benefits, Penalties and Interest Accrued $ 4,700 $ 5,000  
Unrecognized Tax Benefits, Number of Reporting Periods Open for Examination, Federal 3    
Unrecognized Tax Benefits, Number of Reporting Periods Open for Examination, State, Minimum 3    
Unrecognized Tax Benefits, Number of Reporting Periods Open for Examination, State, Maximum 6    
[1] State taxes in OK, CO, and AZ, and OK, CO, and NYC, and OK and CO make up more than 50 percent of the tax effect in this category for tax years 2025, 2024, and 2023, respectively
v3.25.4
Employee Benefits (Details) - BOK Financial 401(k) Plan [Member] - USD ($)
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Defined Benefit Plans and Other Postretirement Benefit Plans[Line Items]      
Defined Contribution Plan, Employer Matching Contribution, Percent of Employees' Gross Pay 6.00%    
Defined Contribution Plan, Minimum Years of Service for Employees to Obtain Maximum Employer Matching 4 years    
Defined Contribution Plan, Maximum Years of Service for Employees to Obtain Minimum Employer Matching 15 years    
Contributions Non-Elective Annual Contributions For Qualified Employees $ 600    
Defined Contribution Plan, Annual Base Employee Compensation to Qualify for Non-Elective Employer Contributions, Maximum $ 60,000    
Defined Contribution Plan, Vesting Period for Employer Contributions 5 years    
Defined Contribution Plan, Cost $ 38,100,000 $ 35,500,000 $ 32,900,000
Minimum [Member]      
Defined Benefit Plans and Other Postretirement Benefit Plans[Line Items]      
Defined Contribution Plan, Employer Matching Contribution, Percent of Match 50.00%    
Maximum [Member]      
Defined Benefit Plans and Other Postretirement Benefit Plans[Line Items]      
Defined Contribution Plan, Employer Matching Contribution, Percent of Match 200.00%    
v3.25.4
Share-Based Compensation Plans (Details) - USD ($)
$ / shares in Units, $ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Restricted Stock [Member]      
Share-based Compensation Arrangements by Share-based Payment Award, Restricted Stock, Nonvested, Number of Shares [Roll Forward]      
Non-vested shares awarded, beginning of period (in shares) 624,463 538,990 492,884
Non-vested shares that were granted during the period (in shares) 241,245 236,834 180,178
Non-vested shares that vested during period (in shares) (171,125) (116,962) (103,515)
Non-vested shares that forfeited during period (in shares) (38,302) (34,399) (30,557)
Non-vested shares awarded, end of period (in shares) 656,281 624,463 538,990
Share-based Compensation Arrangements by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward]      
Weighted Average Grant Date Fair Value, Granted $ 109.80 $ 83.44 $ 97.56
Weighted Average Grant Date Fair Value, Vested 106.47 73.12 82.85
Weighted average grant date fair value non-vested share awards forfeited (in dollars per share) $ 95.32 $ 92.34 $ 95.17
Share-based Compensation Costs, Including Costs That May Be Recognized As Future Expense [Abstract]      
Share-based Compensation Expense Recognized $ 23,000 $ 22,500 $ 14,800
Unrecognized compensation cost of unvested awards, for future periods 27,800    
Unrecognized compensation cost of unvested awards, Amount to be expensed in 2026 17,300    
Unrecognized compensation cost of unvested awards, Amount to be expensed in 2027 9,500    
Unrecognized compensation cost of unvested awards, Amount to be expensed in 2028 $ 942    
Number of shares with required performance obligations 286,848    
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period, Fair Value $ 18,400 $ 10,000 $ 10,300
Restricted Stock Units (RSUs) [Member]      
Share-based Compensation Arrangements by Share-based Payment Award, Restricted Stock, Nonvested, Number of Shares [Roll Forward]      
Non-vested shares awarded, beginning of period (in shares) 47,953 51,391 51,010
Non-vested shares that were granted during the period (in shares) 2,037 1,833 7,275
Non-vested shares that vested during period (in shares) (8,372) (5,271) (6,894)
Non-vested shares that forfeited during period (in shares) 0 0 0
Non-vested shares awarded, end of period (in shares) 41,618 47,953 51,391
Share-based Compensation Arrangements by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward]      
Weighted Average Grant Date Fair Value, Granted $ 111.49 $ 81.79 $ 102.35
Weighted Average Grant Date Fair Value, Vested 103.79 88.25 77.36
Weighted average grant date fair value non-vested share awards forfeited (in dollars per share) $ 0 $ 0 $ 0
Share-based Compensation Costs, Including Costs That May Be Recognized As Future Expense [Abstract]      
Share-based Compensation Expense Recognized $ 2,200 $ 148 $ 572
Unrecognized compensation cost of unvested awards, for future periods 1,100    
Unrecognized compensation cost of unvested awards, Amount to be expensed in 2026 842    
Unrecognized compensation cost of unvested awards, Amount to be expensed in 2027 279    
Unrecognized compensation cost of unvested awards, Amount to be expensed in 2028 $ 12    
Number of shares with required performance obligations 38,620    
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Aggregate Intrinsic Value, Vested $ 923 $ 449 $ 709
v3.25.4
Related Parties Related Parties (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Directors and Senior Management [Member]      
Loans and Leases Receivable, Related Parties [Roll Forward]      
Beginning balance $ 181,648 $ 204,409  
Advances 1,147,686 1,110,043  
Payments (1,041,582) (1,131,474)  
Adjustments [1] (1,142) 1,330  
Ending balance 286,610 181,648 $ 204,409
Director [Member]      
Loan Commitments and Equity Investments [Abstract]      
Operating Costs and Expenses $ 13,300 11,500 $ 11,400
Executive Officer [Member]      
Loan Commitments and Equity Investments [Abstract]      
Percentage of investment funds' assets held by clients 81.00%    
Assets Held in Cavanal Hill Funds $ 5,900,000    
Subsidiaries [Member] | BOKF, NA [Member] | Affiliated Entity [Member]      
Loan Commitments and Equity Investments [Abstract]      
Maximum percentage of unimpaired capital on loan commitments and equity investments to a single affiliate (in hundredths) 10.00%    
Maximum percentage of unimpaired capital on loan commitments and equity investments to all affiliates (in hundredths) 20.00%    
Maximum loan commitments and equity investments to a single affiliate $ 542,000    
Maximum loan commitments and equity investments to all affiliates 1,100,000    
Largest loan commitment and equity investment to a single affiliate 155,000    
Aggregate loan commitment and equity investment to all affiliates 215,000 215,000  
Largest amount outstanding to a single affiliate 126    
Outstanding Receivables to all Affiliates $ 126 $ 408  
[1] Adjustments generally consist of changes in status as a related party.
v3.25.4
Commitments and Contingent Liabilities (Details)
 12 Months Ended
Jan. 23, 2024
Dec. 31, 2025
USD ($)
shares
Dec. 31, 2024
USD ($)
Other Commitments [Abstract]      
The Net Asset Value of Units in Mutual Funds (per unit)   1.00 1.00
Assets Purchased from Mutual Funds Managed   $ 0 $ 0
Minimum Average Cash Balance Required to be Maintained at Federal Reserve by Subsidiary Bank   641,000,000 $ 631,000,000
Misuse of Revenues Pledged to Municipal Bonds [Member] | Judicial Ruling [Member]      
Loss Contingency [Abstract]      
Disgorged fees   1,067,721  
Litigation Settlement, Expense   600,000  
Gain (Loss) from Litigation Settlement [Abstract]      
Disgorged fees   1,067,721  
Litigation Settlement, Expense   $ 600,000  
Bank Participation in Fraudulent Sale of Securities by Principals [Member] | Pending Litigation [Member]      
Loss Contingency [Abstract]      
Loss Contingency, Number of Plaintiffs   2  
Principal amount of entered judgment against the principal individual and his wife   $ 36,805,051  
Pre-judgment interest amount of entered judgment against the principal individual and his wife   10,937,831  
Outstanding principal accrued interest and other amounts after sale of facilities securing payment of the bonds   $ 29,000,000  
Gain (Loss) from Litigation Settlement [Abstract]      
Loss Contingency, Number of Plaintiffs   2  
Principal amount of entered judgment against the principal individual and his wife   $ 36,805,051  
Pre-judgment interest amount of entered judgment against the principal individual and his wife   10,937,831  
Outstanding principal accrued interest and other amounts after sale of facilities securing payment of the bonds   $ 29,000,000  
Visa Membership [Member]      
Loss Contingency [Abstract]      
Common Stock Class B-2 Shares Owned | shares   126,116  
Number of Visa Class A Shares Visa Class B Shares Are Convertible To (in shares) | shares   190,536  
Potential Exchange Offer Program Conversion Percentage 50.00%    
Visa Class B-2 Conversion Rate | shares   1.5108  
Loss Contingencies [Line Items]      
Common Stock Class B-2 Shares Owned | shares   126,116  
Number of Visa Class A Shares Visa Class B Shares Are Convertible To (in shares) | shares   190,536  
Potential Exchange Offer Program Conversion Percentage 50.00%    
Visa Class B-2 Conversion Rate | shares   1.5108  
v3.25.4
Commitments and Contingent Liabilities Variable Interest Entities (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Variable Interest Entity [Line Items]    
Investment, Proportional Amortization Method, Elected, Amount $ 421 $ 412
Investment, Proportional Amortization Method, Elected, Statement of Financial Position [Extensible Enumeration] Other assets Other assets
Other Liabilities [Member]    
Variable Interest Entity [Line Items]    
Investment Program, Proportional Amortization Method, Elected, Commitment $ 110 $ 100
v3.25.4
Shareholders' Equity (Details) - USD ($)
$ / shares in Units, $ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Common Stock [Abstract]      
Common stock, shares authorized (in shares) 2,500,000,000 2,500,000,000  
Common stock, par value (in dollars per share) $ 0.00006 $ 0.00006  
Payments for Repurchase of Common Stock $ 413,208 $ 89,856 $ 176,819
Stock Repurchases      
Common Stock [Abstract]      
Payments for Repurchase of Common Stock $ 250,000    
Repurchase of common stock (in shares) 2,100,840    
Perpetual preferred stock [Member]      
Preferred Stock [Abstract]      
Preferred stock, authorized (in shares) 1,000,000,000    
Preferred stock at par value (in dollars per share) $ 0.00005    
Preferred stock conversion rate one share of Common Stock for each 36 shares of Series A Preferred Stock at the option of the holder    
Preferred stock, Rate of annual cumulative dividends (in hundredths) 10.00%    
Preferred stock, Liquidation preference per share $ 0.06    
Preferred stock, Aggregate liquidation preference $ 15,000    
Preferred Stock, Shares Outstanding 0 0 0
Common Stock [Member]      
Common Stock [Abstract]      
Common stock, shares authorized (in shares) 2,500,000,000    
Common stock, par value (in dollars per share) $ 0.00006    
Common stock, number of vote per share $ 1    
v3.25.4
Shareholders' Equity Regulatory Capital (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Common Equity Tier 1 Capital [Abstract]    
Minimum Capital Requirements, Common Equity Tier 1 to Risk Weighted Assets 4.50% 4.50%
Capital Conservation Buffer, Common Equity Tier 1 to Risk Weighted Assets 2.50% 2.50%
Minimum Capital Requirement Including Capital Conservation Buffer, Common Equity Tier 1 to Risk Weighted Assets 7.00% 7.00%
Common Equity Tier 1 Capital $ 5,024,754 $ 4,992,810
Common Equity Tier 1 Capital to Risk Weighted Assets 0.1290 0.1303
Tier I Capital (to Risk Weighted Assets) [Abstract]    
Minimum Capital Requirement, Tier 1 Capital to Risk Weighted Assets 0.0600 0.0600
Capital Conservation Buffer, Tier 1 Capital to Risk Weighted Assets 2.50% 2.50%
Minimum Capital Requirement Including Capital Conservation Buffer, Tier One to Risk Weighted Assets 8.50% 8.50%
Tier 1 Capital $ 5,026,789 $ 4,995,414
Tier 1 Capital to Risk Weighted Assets 0.1290 0.1304
Total Capital (to Risk Weighted Assets) [Abstract]    
Minimum Capital Requirement, Total Capital to Risk Weighted Assets 0.0800 0.0800
Capital Conservation Buffer, Total Capital to Risk Weighted Assets 2.50% 2.50%
Minimum Capital Requirement Including Capital Conservation Buffer, Total Capital to Risk Weighted Assets 10.50% 10.50%
Total Capital $ 5,753,645 $ 5,445,399
Total Capital to Risk Weighted Assets 0.1477 0.1421
Tier 1 Capital (to Average Assets) [Abstract]    
Minimum Capital Requirement, Tier 1 Capital to Average Assets 0.0400 0.0400
Minimum Capital Requirements Including Capital Conservation Buffer, Tier 1 Capital to Average Assets 4.00% 4.00%
Tier 1 Leverage Capital $ 5,026,789 $ 4,995,414
Tier 1 Capital to Average Assets 0.0986 0.0997
Subsidiaries [Member] | BOKF, NA [Member]    
Common Equity Tier 1 Capital [Abstract]    
Minimum Capital Requirements, Common Equity Tier 1 to Risk Weighted Assets 4.50% 4.50%
Minimum Capital Requirement Including Capital Conservation Buffer, Common Equity Tier 1 to Risk Weighted Assets 4.50% 4.50%
Common Equity Tier 1 Capital Ratio Required to be Well Capitalized 6.50% 6.50%
Common Equity Tier 1 Capital $ 4,640,108 $ 4,615,811
Common Equity Tier 1 Capital to Risk Weighted Assets 0.1202 0.1223
Tier I Capital (to Risk Weighted Assets) [Abstract]    
Minimum Capital Requirement, Tier 1 Capital to Risk Weighted Assets 0.0600 0.0600
Minimum Capital Requirement Including Capital Conservation Buffer, Tier One to Risk Weighted Assets 6.00% 6.00%
Tier I Capital Ratio Required to be Well Capitalized 0.0800 0.0800
Tier 1 Capital $ 4,640,108 $ 4,615,811
Tier 1 Capital to Risk Weighted Assets 0.1202 0.1223
Total Capital (to Risk Weighted Assets) [Abstract]    
Minimum Capital Requirement, Total Capital to Risk Weighted Assets 0.0800 0.0800
Minimum Capital Requirement Including Capital Conservation Buffer, Total Capital to Risk Weighted Assets 8.00% 8.00%
Total Capital Ratio Required to be Well Capitalized 0.1000 0.1000
Total Capital $ 5,419,056 $ 4,999,728
Total Capital to Risk Weighted Assets 0.1404 0.1325
Tier 1 Capital (to Average Assets) [Abstract]    
Minimum Capital Requirement, Tier 1 Capital to Average Assets 0.0400 0.0400
Minimum Capital Requirements Including Capital Conservation Buffer, Tier 1 Capital to Average Assets 4.00% 4.00%
Leverage Ratio Required to be Well Capitalized 0.0500 0.0500
Tier 1 Leverage Capital $ 4,640,108 $ 4,615,811
Tier 1 Capital to Average Assets 0.0914 0.0926
v3.25.4
Shareholders' Equity Accumulated Other Comprehensive Income (Loss) (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
AOCI Attributable to Parent, Net of Tax [Roll Forward]        
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest $ 5,920,680 $ 5,550,957 $ 5,145,419 $ 4,687,358
Net change in unrealized gain (loss) 406,730 33,461 218,293  
Reclassification adjustments included in earnings: [Abstract]        
Interest revenue, Investment securities 35,300 46,020 60,394  
Loss (gain) on available-for-sale securities, net (1,961) 45,828 30,636  
Other comprehensive income (loss), before income taxes 440,069 125,309 309,323  
Federal and state income taxes 103,199 29,249 71,468  
Other comprehensive income (loss), net of income taxes 336,870 96,060 237,855  
Unrealized Gain (Loss) on Available for Sale Securities [Member]        
AOCI Attributable to Parent, Net of Tax [Roll Forward]        
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest (102,569) (412,348) (473,212) (664,618)
Net change in unrealized gain (loss) 406,730 33,461 218,293  
Reclassification adjustments included in earnings: [Abstract]        
Interest revenue, Investment securities 0 0 0  
Loss (gain) on available-for-sale securities, net (1,961) 45,828 30,636  
Other comprehensive income (loss), before income taxes 404,769 79,289 248,929  
Federal and state income taxes 94,990 18,425 57,523  
Other comprehensive income (loss), net of income taxes 309,779 60,864 191,406  
Accumulated Unrealized Gain/Loss on Investment Securities Transferred from AFS        
AOCI Attributable to Parent, Net of Tax [Roll Forward]        
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest (63,601) (90,692) (125,888) (172,337)
Net change in unrealized gain (loss) 0 0 0  
Reclassification adjustments included in earnings: [Abstract]        
Interest revenue, Investment securities 35,300 46,020 60,394  
Loss (gain) on available-for-sale securities, net 0 0 0  
Other comprehensive income (loss), before income taxes 35,300 46,020 60,394  
Federal and state income taxes 8,209 10,824 13,945  
Other comprehensive income (loss), net of income taxes 27,091 35,196 46,449  
Accumulated Other Comprehensive Income (Loss) [Member]        
AOCI Attributable to Parent, Net of Tax [Roll Forward]        
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest (166,170) (503,040) (599,100) $ (836,955)
Net change in unrealized gain (loss) 406,730 33,461 218,293  
Reclassification adjustments included in earnings: [Abstract]        
Interest revenue, Investment securities 35,300 46,020 60,394  
Loss (gain) on available-for-sale securities, net (1,961) 45,828 30,636  
Other comprehensive income (loss), before income taxes 440,069 125,309 309,323  
Federal and state income taxes 103,199 29,249 71,468  
Other comprehensive income (loss), net of income taxes $ 336,870 $ 96,060 $ 237,855  
v3.25.4
Earnings Per Share (Details) - USD ($)
$ / shares in Units, $ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Numerator: [Abstract]      
Net income attributable to BOK Financial Corp. shareholders $ 577,990 $ 523,569 $ 530,746
Undistributed Earnings (Loss) Allocated to Participating Securities, Basic 4,009 4,991 4,253
Numerator for basic earnings per share - income available to common shareholders 573,981 518,578 526,493
Numerator for diluted earnings per share - income available to common shareholders $ 573,981 $ 518,578 $ 526,493
Denominator: [Abstract]      
Basic (in shares) 62,622,386 63,745,088 65,651,569
Diluted (in shares) 62,622,386 63,745,088 65,651,569
Basic (in dollars per share) $ 9.17 $ 8.14 $ 8.02
Diluted earnings per share (per share) $ 9.17 $ 8.14 $ 8.02
v3.25.4
Segment Reporting (Details) - segment
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Segment Reporting [Abstract]      
Number of Reportable Segments 3    
Segment Reporting, CODM, Individual Title and Position or Group Name [Extensible Enumeration] Chief Executive Officer [Member]    
Segment Reporting, CODM, Profit (Loss) Measure, How Used, Description The CODM evaluates the performance of our segments using net income before taxes, which includes the allocation of funds and capital costs and certain indirect allocations. Segment results are tax effected to present revenue from non-taxable activities as if it had been taxable. Additionally, the CODM primarily relies on the spread between interest revenue and interest expense to assess performance and to make resource allocation decisions where the majority of the segment's revenues are from interest. Therefore, interest revenue is presented net of interest expense. The CODM also reviews budget to actual variances monthly when making decisions about the allocation of operating and capital resources to each segment.    
Segment Reporting, Disclosure of Major Customers No single external customer accounts for more than 10% of total revenue for the years ended December 31, 2025, 2024, and 2023. No single external customer accounts for more than 10% of total revenue for the years ended December 31, 2025, 2024, and 2023. No single external customer accounts for more than 10% of total revenue for the years ended December 31, 2025, 2024, and 2023.
v3.25.4
Reportable Segments (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Segment Reporting Information [Line Items]      
Net interest income from external sources $ 1,327,344 $ 1,210,758 $ 1,272,180
Net interest income (expense) from internal sources 0 0 0
Net interest income 1,327,344 1,210,758 1,272,180
Provision for credit losses 2,000 18,000 46,000
Net interest income after provision for credit losses 1,325,344 1,192,758 1,226,180
Other operating revenue 848,130 839,641 789,949
Personnel 877,969 811,239 766,610
Non-personnel expense 554,887 554,516 566,271
Total other operating expense 1,432,856 1,365,755 1,332,881
Corporate allocations 0 0 0
Net income before taxes 740,618 666,644 683,248
Assets, Average Outstanding 51,706,906 50,749,498 48,244,154
Operating Segments [Member]      
Segment Reporting Information [Line Items]      
Net interest income from external sources 1,073,396 1,115,402 1,268,488
Net interest income (expense) from internal sources 48,138 88,969 (9,051)
Net interest income 1,121,534 1,204,371 1,259,437
Provision for credit losses 8,582 14,493 19,074
Net interest income after provision for credit losses 1,112,952 1,189,878 1,240,363
Other operating revenue 846,745 825,268 859,241
Personnel 587,053 553,751 533,598
Non-personnel expense 372,401 359,364 348,364
Total other operating expense 959,454 913,115 881,962
Corporate allocations 186,855 181,780 178,003
Net income before taxes 813,388 920,251 1,039,639
Assets, Average Outstanding 41,307,300 40,635,585 38,927,333
Operating Segments [Member] | Commercial [Member]      
Segment Reporting Information [Line Items]      
Net interest income from external sources 948,465 1,078,190 1,178,506
Net interest income (expense) from internal sources (234,944) (263,094) (305,107)
Net interest income 713,521 815,096 873,399
Provision for credit losses 3,715 8,850 13,967
Net interest income after provision for credit losses 709,806 806,246 859,432
Other operating revenue 269,195 222,584 247,001
Personnel 204,213 191,398 193,455
Non-personnel expense 120,476 117,216 124,926
Total other operating expense 324,689 308,614 318,381
Corporate allocations 70,106 68,970 75,037
Net income before taxes 584,206 651,246 713,015
Assets, Average Outstanding 21,616,765 21,751,103 21,003,551
Operating Segments [Member] | Consumer [Member]      
Segment Reporting Information [Line Items]      
Net interest income from external sources 55,150 25,946 59,962
Net interest income (expense) from internal sources 175,830 234,101 207,058
Net interest income 230,980 260,047 267,020
Provision for credit losses 4,892 5,827 5,157
Net interest income after provision for credit losses 226,088 254,220 261,863
Other operating revenue 149,938 140,005 105,793
Personnel 102,226 98,667 89,472
Non-personnel expense 139,296 127,597 122,642
Total other operating expense 241,522 226,264 212,114
Corporate allocations 58,092 55,737 48,565
Net income before taxes 76,412 112,224 106,977
Assets, Average Outstanding 8,321,005 8,112,293 8,040,602
Operating Segments [Member] | Wealth Management [Member]      
Segment Reporting Information [Line Items]      
Net interest income from external sources 69,781 11,266 30,020
Net interest income (expense) from internal sources 107,252 117,962 88,998
Net interest income 177,033 129,228 119,018
Provision for credit losses (25) (184) (50)
Net interest income after provision for credit losses 177,058 129,412 119,068
Other operating revenue 427,612 462,679 506,447
Personnel 280,614 263,686 250,671
Non-personnel expense 112,629 114,551 100,796
Total other operating expense 393,243 378,237 351,467
Corporate allocations 58,657 57,073 54,401
Net income before taxes 152,770 156,781 219,647
Assets, Average Outstanding 11,369,530 10,772,189 9,883,180
Funds Management and Other [Member]      
Segment Reporting Information [Line Items]      
Net interest income from external sources 253,948 95,356 3,692
Net interest income (expense) from internal sources (48,138) (88,969) 9,051
Net interest income 205,810 6,387 12,743
Provision for credit losses (6,582) 3,507 26,926
Net interest income after provision for credit losses 212,392 2,880 (14,183)
Other operating revenue 1,385 14,373 (69,292)
Personnel 290,916 257,488 233,012
Non-personnel expense 182,486 195,152 217,907
Total other operating expense 473,402 452,640 450,919
Corporate allocations (186,855) (181,780) (178,003)
Net income before taxes (72,770) (253,607) (356,391)
Assets, Average Outstanding $ 10,399,606 $ 10,113,913 $ 9,316,821
v3.25.4
Fees and Commission Revenue Fees and Commissions (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue $ 800,740 $ 810,023 $ 781,118
Fees and commissions revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 800,740 810,023 781,118
Revenue Not from Contract with Customer 219,040 [1] 275,066 [2] 276,538 [3]
Fees and commissions revenue from contracts with customers 581,700 [4] 534,957 [5] 504,580 [6]
Brokerage and trading revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 159,742 218,092 240,610
Revenue Not from Contract with Customer 106,199 [1] 165,273 [2] 186,558 [3]
Fees and commissions revenue from contracts with customers 53,543 [4] 52,819 [5] 54,052 [6]
Trading Revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 58,966 121,854 134,511
Revenue Not from Contract with Customer 58,966 [1] 121,854 [2] 134,511 [3]
Fees and commissions revenue from contracts with customers 0 [4] 0 [5] 0 [6]
Customer hedging revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 28,286 27,738 36,522
Revenue Not from Contract with Customer 28,286 [1] 27,738 [2] 36,522 [3]
Fees and commissions revenue from contracts with customers 0 [4] 0 [5] 0 [6]
Retail brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 21,434 19,428 15,908
Revenue Not from Contract with Customer 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 21,434 [4] 19,428 [5] 15,908 [6]
Insurance brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue     10,679
Revenue Not from Contract with Customer [3]     0
Fees and commissions revenue from contracts with customers [6]     10,679
Investment banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 51,056 49,072 42,990
Revenue Not from Contract with Customer 18,947 [1] 15,681 [2] 15,525 [3]
Fees and commissions revenue from contracts with customers 32,109 [4] 33,391 [5] 27,465 [6]
Transaction card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 117,680 108,865 106,858
Revenue Not from Contract with Customer 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 117,680 [4] 108,865 [5] 106,858 [6]
TransFund EFT network revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 97,722 91,122 89,496
Revenue Not from Contract with Customer 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 97,722 [4] 91,122 [5] 89,496 [6]
Merchant services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 9,806 9,403 9,206
Revenue Not from Contract with Customer 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 9,806 [4] 9,403 [5] 9,206 [6]
Corporate card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 10,152 8,340 8,156
Revenue Not from Contract with Customer 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 10,152 [4] 8,340 [5] 8,156 [6]
Fiduciary and asset management revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 257,161 230,860 207,318
Revenue Not from Contract with Customer 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 257,161 [4] 230,860 [5] 207,318 [6]
Personal trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 111,364 102,689 95,070
Revenue Not from Contract with Customer 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 111,364 [4] 102,689 [5] 95,070 [6]
Corporate trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 45,518 37,524 31,228
Revenue Not from Contract with Customer 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 45,518 [4] 37,524 [5] 31,228 [6]
Institutional trust & retirement plan services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 75,309 67,175 58,692
Revenue Not from Contract with Customer 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 75,309 [4] 67,175 [5] 58,692 [6]
Investment management services and other [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 24,970 23,472 22,328
Revenue Not from Contract with Customer 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 24,970 [4] 23,472 [5] 22,328 [6]
Deposit service charges and fees [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 125,529 118,745 108,514
Revenue Not from Contract with Customer 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 125,529 [4] 118,745 [5] 108,514 [6]
Commercial account service charge revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 73,045 66,302 57,709
Revenue Not from Contract with Customer 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 73,045 [4] 66,302 [5] 57,709 [6]
Overdraft fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 22,875 22,350 21,004
Revenue Not from Contract with Customer 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 22,875 [4] 22,350 [5] 21,004 [6]
Check card fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 23,764 23,949 23,463
Revenue Not from Contract with Customer 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 23,764 [4] 23,949 [5] 23,463 [6]
Automated service charge and other deposit fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 5,845 6,144 6,338
Revenue Not from Contract with Customer 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 5,845 [4] 6,144 [5] 6,338 [6]
Mortgage banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 77,585 74,107 55,698
Revenue Not from Contract with Customer 77,585 [1] 74,107 [2] 55,698 [3]
Fees and commissions revenue from contracts with customers 0 [4] 0 [5] 0 [6]
Mortgage production revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 8,669 8,739 (5,339)
Revenue Not from Contract with Customer 8,669 [1] 8,739 [2] (5,339) [3]
Fees and commissions revenue from contracts with customers 0 [4] 0 [5] 0 [6]
Mortgage servicing revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 68,916 65,368 61,037
Revenue Not from Contract with Customer 68,916 [1] 65,368 [2] 61,037 [3]
Fees and commissions revenue from contracts with customers 0 [4] 0 [5] 0 [6]
Other revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 63,043 59,354 62,120
Revenue Not from Contract with Customer 35,256 [1] 35,686 [2] 34,282 [3]
Fees and commissions revenue from contracts with customers 27,787 [4] 23,668 [5] 27,838 [6]
Operating Segments [Member] | Commercial [Member] | Fees and commissions revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 232,972 216,790 234,334
Operating Segments [Member] | Commercial [Member] | Brokerage and trading revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 34,015 32,109 50,386
Operating Segments [Member] | Commercial [Member] | Trading Revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Customer hedging revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 14,519 14,795 33,307
Operating Segments [Member] | Commercial [Member] | Retail brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Insurance brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue     0
Operating Segments [Member] | Commercial [Member] | Investment banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 19,496 17,314 17,079
Operating Segments [Member] | Commercial [Member] | Transaction card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 112,895 104,826 102,232
Operating Segments [Member] | Commercial [Member] | TransFund EFT network revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 94,703 88,089 86,046
Operating Segments [Member] | Commercial [Member] | Merchant services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 9,775 9,371 9,172
Operating Segments [Member] | Commercial [Member] | Corporate card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 8,417 7,366 7,014
Operating Segments [Member] | Commercial [Member] | Fiduciary and asset management revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Personal trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Corporate trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Institutional trust & retirement plan services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Investment management services and other [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Deposit service charges and fees [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 69,338 62,997 54,835
Operating Segments [Member] | Commercial [Member] | Commercial account service charge revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 68,210 61,818 53,670
Operating Segments [Member] | Commercial [Member] | Overdraft fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 121 121 109
Operating Segments [Member] | Commercial [Member] | Check card fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Automated service charge and other deposit fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 1,007 1,058 1,056
Operating Segments [Member] | Commercial [Member] | Mortgage banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Mortgage production revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Mortgage servicing revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Other revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 16,724 16,858 26,881
Operating Segments [Member] | Consumer [Member] | Fees and commissions revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 149,253 145,118 123,732
Operating Segments [Member] | Consumer [Member] | Brokerage and trading revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Trading Revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Customer hedging revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Retail brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Insurance brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue     0
Operating Segments [Member] | Consumer [Member] | Investment banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Transaction card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 3,113 3,136 3,547
Operating Segments [Member] | Consumer [Member] | TransFund EFT network revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 3,082 3,104 3,513
Operating Segments [Member] | Consumer [Member] | Merchant services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 31 32 34
Operating Segments [Member] | Consumer [Member] | Corporate card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Fiduciary and asset management revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Personal trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Corporate trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Institutional trust & retirement plan services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Investment management services and other [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Deposit service charges and fees [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 53,198 52,998 51,362
Operating Segments [Member] | Consumer [Member] | Commercial account service charge revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 2,298 2,185 2,070
Operating Segments [Member] | Consumer [Member] | Overdraft fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 22,574 22,081 20,753
Operating Segments [Member] | Consumer [Member] | Check card fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 23,764 23,949 23,463
Operating Segments [Member] | Consumer [Member] | Automated service charge and other deposit fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 4,562 4,783 5,076
Operating Segments [Member] | Consumer [Member] | Mortgage banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 81,198 77,079 58,092
Operating Segments [Member] | Consumer [Member] | Mortgage production revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 8,669 8,739 (5,339)
Operating Segments [Member] | Consumer [Member] | Mortgage servicing revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 72,529 68,340 63,431
Operating Segments [Member] | Consumer [Member] | Other revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 11,744 11,905 10,731
Operating Segments [Member] | Wealth Management [Member] | Fees and commissions revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 427,612 462,679 475,447
Operating Segments [Member] | Wealth Management [Member] | Brokerage and trading revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 124,295 184,209 186,907
Operating Segments [Member] | Wealth Management [Member] | Trading Revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 58,966 121,854 134,511
Operating Segments [Member] | Wealth Management [Member] | Customer hedging revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 12,335 11,169 (102)
Operating Segments [Member] | Wealth Management [Member] | Retail brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 21,434 19,428 15,908
Operating Segments [Member] | Wealth Management [Member] | Insurance brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue     10,679
Operating Segments [Member] | Wealth Management [Member] | Investment banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 31,560 31,758 25,911
Operating Segments [Member] | Wealth Management [Member] | Transaction card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 1,286 538 644
Operating Segments [Member] | Wealth Management [Member] | TransFund EFT network revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue (69) (77) (69)
Operating Segments [Member] | Wealth Management [Member] | Merchant services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Wealth Management [Member] | Corporate card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 1,355 615 713
Operating Segments [Member] | Wealth Management [Member] | Fiduciary and asset management revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 257,161 230,860 207,339
Operating Segments [Member] | Wealth Management [Member] | Personal trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 111,364 102,689 95,070
Operating Segments [Member] | Wealth Management [Member] | Corporate trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 45,518 37,524 31,228
Operating Segments [Member] | Wealth Management [Member] | Institutional trust & retirement plan services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 75,309 67,175 58,692
Operating Segments [Member] | Wealth Management [Member] | Investment management services and other [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 24,970 23,472 22,349
Operating Segments [Member] | Wealth Management [Member] | Deposit service charges and fees [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 3,000 2,748 2,314
Operating Segments [Member] | Wealth Management [Member] | Commercial account service charge revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 2,533 2,299 1,969
Operating Segments [Member] | Wealth Management [Member] | Overdraft fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 189 143 139
Operating Segments [Member] | Wealth Management [Member] | Check card fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Wealth Management [Member] | Automated service charge and other deposit fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 278 306 206
Operating Segments [Member] | Wealth Management [Member] | Mortgage banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Wealth Management [Member] | Mortgage production revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Wealth Management [Member] | Mortgage servicing revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Operating Segments [Member] | Wealth Management [Member] | Other revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 41,870 44,324 78,243
Funds Management and Other [Member] | Fees and commissions revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue (9,097) (14,564) (52,395)
Funds Management and Other [Member] | Brokerage and trading revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 1,432 1,774 3,317
Funds Management and Other [Member] | Trading Revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Funds Management and Other [Member] | Customer hedging revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 1,432 1,774 3,317
Funds Management and Other [Member] | Retail brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Funds Management and Other [Member] | Insurance brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue     0
Funds Management and Other [Member] | Investment banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Funds Management and Other [Member] | Transaction card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 386 365 435
Funds Management and Other [Member] | TransFund EFT network revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 6 6 6
Funds Management and Other [Member] | Merchant services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Funds Management and Other [Member] | Corporate card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 380 359 429
Funds Management and Other [Member] | Fiduciary and asset management revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 (21)
Funds Management and Other [Member] | Personal trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Funds Management and Other [Member] | Corporate trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Funds Management and Other [Member] | Institutional trust & retirement plan services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Funds Management and Other [Member] | Investment management services and other [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 (21)
Funds Management and Other [Member] | Deposit service charges and fees [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue (7) 2 3
Funds Management and Other [Member] | Commercial account service charge revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 4 0 0
Funds Management and Other [Member] | Overdraft fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue (9) 5 3
Funds Management and Other [Member] | Check card fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Funds Management and Other [Member] | Automated service charge and other deposit fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue (2) (3) 0
Funds Management and Other [Member] | Mortgage banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue (3,613) (2,972) (2,394)
Funds Management and Other [Member] | Mortgage production revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue 0 0 0
Funds Management and Other [Member] | Mortgage servicing revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue (3,613) (2,972) (2,394)
Funds Management and Other [Member] | Other revenue [Member]      
Disaggregation of Revenue [Line Items]      
Total fees and commissions revenue $ (7,295) $ (13,733) $ (53,735)
[1] Out of scope revenue generally relates to financial instruments or contractual rights and obligations within the scope of other applicable accounting guidance.
[2] Out of scope revenue generally relates to financial instruments or contractual rights and obligations within the scope of other applicable accounting guidance
[3] Out of scope revenue generally relates to financial instruments or contractual rights and obligations within the scope of other applicable accounting guidance.
[4] In scope revenue represents revenue subject to FASB ASC Topic 606, Revenue from Contracts with Customers.
[5] In scope revenue represents revenue subject to FASB ASC Topic 606, Revenue from Contracts with Customers.
[6] In scope revenue represents revenue subject to FASB ASC Topic 606, Revenue from Contracts with Customers.
v3.25.4
Fair Value Measurements, Fair Value Of Financial Instruments as Measured On a Recurring Basis (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Assets [Abstract]        
Trading securities $ 5,392,745 $ 4,899,090    
Available-for-sale securities 13,606,625 12,851,600    
Fair value option securities 102,096 17,876    
Mortgage servicing rights 322,724 338,145 $ 293,884 $ 277,608
Derivative contracts, net of cash margin, Assets, Fair Value 300,775 242,809    
Liabilities [Abstract]        
Derivative contracts, net of cash margin, Liabilities, Fair Value 397,573 237,582    
U.S. government securities [Member]        
Assets [Abstract]        
Trading securities 9,237 21,275    
Residential agency mortgage-backed securities [Member]        
Assets [Abstract]        
Trading securities 5,307,849 4,792,695    
Available-for-sale securities 9,598,627 8,639,389    
Fair value option securities 102,096 17,876    
Municipal securities [Member]        
Assets [Abstract]        
Trading securities 39,233 62,230    
Available-for-sale securities 184,273 225,568    
U.S. Treasury [Member]        
Assets [Abstract]        
Available-for-sale securities 980 945    
Residential non-agency mortgage-backed securities [Member]        
Assets [Abstract]        
Available-for-sale securities 696,028 781,209    
Commercial agency mortgage-backed securities [Member]        
Assets [Abstract]        
Available-for-sale securities 3,126,244 3,204,016    
Other debt securities [Member]        
Assets [Abstract]        
Trading securities 36,426 22,890    
Available-for-sale securities 473 473    
Fair Value, Recurring [Member]        
Assets [Abstract]        
Trading securities 5,392,745 4,899,090    
Available-for-sale securities 13,606,625 12,851,600    
Residential mortgage loans held for sale 94,630 [1] 77,561 [2]    
Mortgage servicing rights 322,724 [3] 338,145 [4]    
Derivative contracts, net of cash margin, Assets, Fair Value 300,775 [5] 242,809 [6]    
Liabilities [Abstract]        
Derivative contracts, net of cash margin, Liabilities, Fair Value 397,573 [5] 237,582 [6]    
Fair Value, Recurring [Member] | U.S. government securities [Member]        
Assets [Abstract]        
Trading securities 9,237 21,275    
Fair Value, Recurring [Member] | Residential agency mortgage-backed securities [Member]        
Assets [Abstract]        
Trading securities 5,307,849 4,792,695    
Available-for-sale securities 9,598,627 8,639,389    
Fair value option securities 102,096 17,876    
Fair Value, Recurring [Member] | Municipal securities [Member]        
Assets [Abstract]        
Trading securities 39,233 62,230    
Available-for-sale securities 184,273 225,568    
Fair Value, Recurring [Member] | U.S. Treasury [Member]        
Assets [Abstract]        
Available-for-sale securities 980 945    
Fair Value, Recurring [Member] | Residential non-agency mortgage-backed securities [Member]        
Assets [Abstract]        
Available-for-sale securities 696,028 781,209    
Fair Value, Recurring [Member] | Commercial agency mortgage-backed securities [Member]        
Assets [Abstract]        
Available-for-sale securities 3,126,244 3,204,016    
Fair Value, Recurring [Member] | Other debt securities [Member]        
Assets [Abstract]        
Available-for-sale securities 473 473    
Fair Value, Recurring [Member] | Other trading securities [Member]        
Assets [Abstract]        
Trading securities 36,426 22,890    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]        
Assets [Abstract]        
Trading securities 0 1,494    
Available-for-sale securities 980 945    
Residential mortgage loans held for sale 0 [1] 0 [2]    
Mortgage servicing rights 0 [3] 0 [4]    
Derivative contracts, net of cash margin, Assets, Fair Value 1,022 [5] 656 [6]    
Liabilities [Abstract]        
Derivative contracts, net of cash margin, Liabilities, Fair Value 12 [5] 3,391 [6]    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | U.S. government securities [Member]        
Assets [Abstract]        
Trading securities 0 1,494    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Residential agency mortgage-backed securities [Member]        
Assets [Abstract]        
Trading securities 0 0    
Available-for-sale securities 0 0    
Fair value option securities 0 0    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Municipal securities [Member]        
Assets [Abstract]        
Trading securities 0 0    
Available-for-sale securities 0 0    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | U.S. Treasury [Member]        
Assets [Abstract]        
Available-for-sale securities 980 945    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Residential non-agency mortgage-backed securities [Member]        
Assets [Abstract]        
Available-for-sale securities 0 0    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Commercial agency mortgage-backed securities [Member]        
Assets [Abstract]        
Available-for-sale securities 0 0    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Other debt securities [Member]        
Assets [Abstract]        
Available-for-sale securities 0 0    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Other trading securities [Member]        
Assets [Abstract]        
Trading securities 0 0    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]        
Assets [Abstract]        
Trading securities 5,392,745 4,897,596    
Available-for-sale securities 13,605,172 12,850,182    
Residential mortgage loans held for sale 88,335 [1] 70,564 [2]    
Mortgage servicing rights 0 [3] 0 [4]    
Derivative contracts, net of cash margin, Assets, Fair Value 299,753 [5] 242,153 [6]    
Liabilities [Abstract]        
Derivative contracts, net of cash margin, Liabilities, Fair Value 397,561 [5] 234,191 [6]    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | U.S. government securities [Member]        
Assets [Abstract]        
Trading securities 9,237 19,781    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Residential agency mortgage-backed securities [Member]        
Assets [Abstract]        
Trading securities 5,307,849 4,792,695    
Available-for-sale securities 9,598,627 8,639,389    
Fair value option securities 102,096 17,876    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Municipal securities [Member]        
Assets [Abstract]        
Trading securities 39,233 62,230    
Available-for-sale securities 184,273 225,568    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | U.S. Treasury [Member]        
Assets [Abstract]        
Available-for-sale securities 0 0    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Residential non-agency mortgage-backed securities [Member]        
Assets [Abstract]        
Available-for-sale securities 696,028 781,209    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Commercial agency mortgage-backed securities [Member]        
Assets [Abstract]        
Available-for-sale securities 3,126,244 3,204,016    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Other debt securities [Member]        
Assets [Abstract]        
Available-for-sale securities 0 0    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Other trading securities [Member]        
Assets [Abstract]        
Trading securities 36,426 22,890    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]        
Assets [Abstract]        
Trading securities 0 0    
Available-for-sale securities 473 473    
Residential mortgage loans held for sale 6,295 [1] 6,997 [2]    
Mortgage servicing rights 322,724 [3] 338,145 [4]    
Derivative contracts, net of cash margin, Assets, Fair Value $ 0 [5] $ 0 [6]    
Liquidity Discount on Mortgage Loans Qualifying for Sale to US Govt Agencies 82.84% 81.11%    
Liabilities [Abstract]        
Derivative contracts, net of cash margin, Liabilities, Fair Value $ 0 [5] $ 0 [6]    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | U.S. government securities [Member]        
Assets [Abstract]        
Trading securities 0 0    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Residential agency mortgage-backed securities [Member]        
Assets [Abstract]        
Trading securities 0 0    
Available-for-sale securities 0 0    
Fair value option securities 0 0    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Municipal securities [Member]        
Assets [Abstract]        
Trading securities 0 0    
Available-for-sale securities 0 0    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | U.S. Treasury [Member]        
Assets [Abstract]        
Available-for-sale securities 0 0    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Residential non-agency mortgage-backed securities [Member]        
Assets [Abstract]        
Available-for-sale securities 0 0    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Commercial agency mortgage-backed securities [Member]        
Assets [Abstract]        
Available-for-sale securities 0 0    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Other debt securities [Member]        
Assets [Abstract]        
Available-for-sale securities 473 473    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Other trading securities [Member]        
Assets [Abstract]        
Trading securities $ 0 $ 0    
[1] Residential mortgage loans held for sale measured at fair value on a recurring basis using significant unobservable inputs (Level 3) consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards and are valued at 82.84% of the unpaid principal balance.
[2] Residential mortgage loans held for sale measured at fair value on a recurring basis using significant unobservable inputs (Level 3) consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards and are valued at 81.11% of the unpaid principal balance.
[3] A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 7, "Mortgage Banking Activities".
[4] A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 7, "Mortgage Banking Activities".
[5] See Note 3 for detail of fair value of derivative contracts by contract type. Derivative contracts in asset and liability positions that were valued based on quoted prices in active markets for identical instruments (Level 1) are primarily exchange-traded interest rate derivative contracts held for trading and internal risk management purposes.
[6] See Note 3 for detail of fair value of derivative contracts by contract type. Derivative contracts in asset and liability positions that were valued based on quoted prices in active markets for identical instruments (Level 1) are primarily exchange-traded interest rate derivative contracts held for trading and internal risk management purposes.
v3.25.4
Fair Value Measurements, Fair Value Measured On a Nonrecurring Basis (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Other gains (losses), net $ 43,757 $ 79,726 $ 56,795
Fair Value, Nonrecurring [Member] | Fair Value, Nonaccruing Loans      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Financing Receivable, Allowance for Credit Loss, Writeoff 3,702 6,788  
Other gains (losses), net 0 0  
Fair Value, Nonrecurring [Member] | Real estate and other repossessed assets [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Financing Receivable, Allowance for Credit Loss, Writeoff   0  
Other gains (losses), net   (183)  
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Nonaccruing Loans      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Assets, Fair Value Disclosure 0 0  
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 1 [Member] | Real estate and other repossessed assets [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Assets, Fair Value Disclosure   0  
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Nonaccruing Loans      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Assets, Fair Value Disclosure $ 381 683  
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 2 [Member] | Real estate and other repossessed assets [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Assets, Fair Value Disclosure   $ 1,961  
v3.25.4
Fair Value Measurements Fair Value Measurement, Measured On Non-Recurring Basis, Signfiicant Unobservable Inputs, Quantitative Information (Details) - Fair Value, Nonrecurring [Member] - Fair Value, Inputs, Level 3 [Member] - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Discounted Cash Flow [Member] | Fair Value, Nonaccruing Loans | Management knowledge of Industry and non-real estate collateral    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Assets, Fair Value Disclosure $ 4,802  
Discounted Cash Flow [Member] | Real estate and other repossessed assets [Member]    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Assets, Fair Value Disclosure   $ 0
Valuation Technique Appraised Value as Adjusted Member [Member] | Fair Value, Nonaccruing Loans | Broker quotes and management's knowledge of industry and collateral    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Assets, Fair Value Disclosure   $ 5,100
Minimum [Member] | Fair Value, Nonaccruing Loans    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Fair Value of Impaired Loans as Percentage of Unpaid Principal Balance 21.00% [1] 36.00% [2]
Maximum [Member] | Fair Value, Nonaccruing Loans    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Fair Value of Impaired Loans as Percentage of Unpaid Principal Balance 61.00% [1] 36.00% [2]
Weighted Average [Member] | Fair Value, Nonaccruing Loans    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Fair Value of Impaired Loans as Percentage of Unpaid Principal Balance 57.00% [1] 36.00% [2]
[1] Represents fair value as a percentage of the unpaid principal balance.
[2] Represents fair value as a percentage of the unpaid principal balance.
v3.25.4
Fair Value Measurements, Financial Instruments (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities $ 5,392,745 $ 4,899,090    
Investment securities 1,867,725 2,136,029    
Debt Securities, Held-to-maturity, Allowance for Credit Loss (202) [1] (223) [2]    
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss 1,867,523 2,135,806    
Available-for-sale securities 13,606,625 12,851,600    
Fair value option securities 102,096 17,876    
Residential mortgage loans held for sale 94,630 77,561    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 25,651,462 24,114,724    
Allowance for loan losses (275,860) (280,035) $ (277,123) $ (235,704)
Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss 25,375,602 23,834,689    
Mortgage servicing rights 322,724 338,145 293,884 277,608
Derivative contracts, net of cash margin, Assets, Fair Value 300,775 242,809    
Time deposits 3,639,083 3,535,410    
Subordinated debentures 396,589 131,200    
Derivative contracts, net of cash margin, Liabilities, Fair Value 397,573 237,582    
Commercial [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 15,281,067 15,030,136    
Allowance for loan losses (137,225) (145,153) (141,232) (131,586)
Commercial real estate [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 5,672,006 5,058,452    
Allowance for loan losses (86,120) (91,072) (94,718) (57,648)
Loans to individuals [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 4,698,389 4,026,136    
Allowance for loan losses (52,515) (43,810) $ (41,173) $ (46,470)
U.S. government securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 9,237 21,275    
Residential agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 5,307,849 4,792,695    
Investment securities 1,746,715 1,998,017    
Available-for-sale securities 9,598,627 8,639,389    
Fair value option securities 102,096 17,876    
Municipal securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 39,233 62,230    
Investment securities 88,215 104,467    
Available-for-sale securities 184,273 225,568    
U.S. Treasury [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Available-for-sale securities 980 945    
Residential non-agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Available-for-sale securities 696,028 781,209    
Commercial agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Investment securities 17,257 17,257    
Available-for-sale securities 3,126,244 3,204,016    
Other debt securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 36,426 22,890    
Investment securities 15,538 16,288    
Available-for-sale securities 473 473    
Carrying (Reported) Amount, Fair Value Disclosure [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Cash and due from banks 1,001,107 1,043,969    
Interest-bearing cash and cash equivalents 656,995 390,732    
Trading securities 5,392,745 4,899,090    
Investment securities 1,784,444 2,017,448    
Debt Securities, Held-to-maturity, Allowance for Credit Loss (202) (223)    
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss 1,784,242 2,017,225    
Available-for-sale securities 13,606,625 12,851,600    
Fair value option securities 102,096 17,876    
Residential mortgage loans held for sale 94,630 77,561    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 25,651,462 24,114,724    
Allowance for loan losses (275,860) (280,035)    
Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss 25,375,602 23,834,689    
Mortgage servicing rights 322,724 338,145    
Derivative contracts, net of cash margin, Assets, Fair Value 300,775 242,809    
Deposits with no stated maturity 35,795,923 34,655,820    
Time deposits 3,639,083 3,535,410    
Other borrowed funds 4,237,655 4,322,979    
Subordinated debentures 396,589 131,200    
Derivative contracts, net of cash margin, Liabilities, Fair Value 397,573 237,582    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Commercial [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 15,281,067 15,030,136    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Commercial real estate [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 5,672,006 5,058,452    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Loans to individuals [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 4,698,389 4,026,136    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | U.S. government securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 9,237 21,275    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Residential agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 5,307,849 4,792,695    
Investment securities 1,664,175 1,880,473    
Available-for-sale securities 9,598,627 8,639,389    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Municipal securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 39,233 62,230    
Investment securities 88,215 104,467    
Available-for-sale securities 184,273 225,568    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Other trading securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 36,426 22,890    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | U.S. Treasury [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Available-for-sale securities 980 945    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Residential non-agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Available-for-sale securities 696,028 781,209    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Commercial agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Investment securities 16,516 16,220    
Available-for-sale securities 3,126,244 3,204,016    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Other debt securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Investment securities 15,538 16,288    
Available-for-sale securities 473 473    
Estimate of Fair Value Measurement [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Cash and due from banks 1,001,107 1,043,969    
Interest-bearing cash and cash equivalents 656,995 390,732    
Trading securities 5,392,745 4,899,090    
Investment securities 1,662,005 1,817,929    
Debt Securities, Held-to-maturity, Allowance for Credit Loss 0 0    
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss 1,662,005 1,817,929    
Available-for-sale securities 13,606,625 12,851,600    
Fair value option securities 102,096 17,876    
Residential mortgage loans held for sale 94,630 77,561    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 25,386,463 23,709,546    
Allowance for loan losses 0 0    
Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss 25,386,463 23,709,546    
Mortgage servicing rights 322,724 338,145    
Derivative contracts, net of cash margin, Assets, Fair Value 300,775 242,809    
Deposits with no stated maturity 35,795,923 34,655,820    
Time deposits 3,629,060 3,522,242    
Other borrowed funds 4,237,752 4,323,174    
Subordinated debentures 395,323 121,057    
Derivative contracts, net of cash margin, Liabilities, Fair Value 397,573 237,582    
Estimate of Fair Value Measurement [Member] | Commercial [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 15,223,531 14,903,851    
Estimate of Fair Value Measurement [Member] | Commercial real estate [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 5,597,767 4,933,396    
Estimate of Fair Value Measurement [Member] | Loans to individuals [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 4,565,165 3,872,299    
Estimate of Fair Value Measurement [Member] | U.S. government securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 9,237 21,275    
Estimate of Fair Value Measurement [Member] | Residential agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 5,307,849 4,792,695    
Investment securities 1,541,608 1,680,800    
Available-for-sale securities 9,598,627 8,639,389    
Estimate of Fair Value Measurement [Member] | Municipal securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 39,233 62,230    
Investment securities 89,343 106,489    
Available-for-sale securities 184,273 225,568    
Estimate of Fair Value Measurement [Member] | Other trading securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 36,426 22,890    
Estimate of Fair Value Measurement [Member] | U.S. Treasury [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Available-for-sale securities 980 945    
Estimate of Fair Value Measurement [Member] | Residential non-agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Available-for-sale securities 696,028 781,209    
Estimate of Fair Value Measurement [Member] | Commercial agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Investment securities 16,186 15,357    
Available-for-sale securities 3,126,244 3,204,016    
Estimate of Fair Value Measurement [Member] | Other debt securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Investment securities 14,868 15,283    
Available-for-sale securities 473 473    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Cash and due from banks 1,001,107 1,043,969    
Interest-bearing cash and cash equivalents 656,995 390,732    
Trading securities 0 1,494    
Investment securities 0 0    
Debt Securities, Held-to-maturity, Allowance for Credit Loss 0 0    
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss 0 0    
Available-for-sale securities 980 945    
Fair value option securities 0 0    
Residential mortgage loans held for sale 0 0    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 0 0    
Allowance for loan losses 0 0    
Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss 0 0    
Mortgage servicing rights 0 0    
Derivative contracts, net of cash margin, Assets, Fair Value 1,022 656    
Deposits with no stated maturity 0 0    
Time deposits 0 0    
Other borrowed funds 0 0    
Subordinated debentures 0 0    
Derivative contracts, net of cash margin, Liabilities, Fair Value 12 3,391    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member] | Commercial [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 0 0    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member] | Commercial real estate [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 0 0    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member] | Loans to individuals [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 0 0    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member] | U.S. government securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 0 1,494    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member] | Residential agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 0 0    
Investment securities 0 0    
Available-for-sale securities 0 0    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member] | Municipal securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 0 0    
Investment securities 0 0    
Available-for-sale securities 0 0    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member] | Other trading securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 0 0    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member] | U.S. Treasury [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Available-for-sale securities 980 945    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member] | Residential non-agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Available-for-sale securities 0 0    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member] | Commercial agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Investment securities 0 0    
Available-for-sale securities 0 0    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member] | Other debt securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Investment securities 0 0    
Available-for-sale securities 0 0    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Cash and due from banks 0 0    
Interest-bearing cash and cash equivalents 0 0    
Trading securities 5,392,745 4,897,596    
Investment securities 1,583,866 1,723,114    
Debt Securities, Held-to-maturity, Allowance for Credit Loss 0 0    
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss 1,583,866 1,723,114    
Available-for-sale securities 13,605,172 12,850,182    
Fair value option securities 102,096 17,876    
Residential mortgage loans held for sale 88,335 70,564    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 0 0    
Allowance for loan losses 0 0    
Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss 0 0    
Mortgage servicing rights 0 0    
Derivative contracts, net of cash margin, Assets, Fair Value 299,753 242,153    
Deposits with no stated maturity 0 0    
Time deposits 0 0    
Other borrowed funds 0 0    
Subordinated debentures 395,323 121,057    
Derivative contracts, net of cash margin, Liabilities, Fair Value 397,561 234,191    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Commercial [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 0 0    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Commercial real estate [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 0 0    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Loans to individuals [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 0 0    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | U.S. government securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 9,237 19,781    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Residential agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 5,307,849 4,792,695    
Investment securities 1,541,608 1,680,800    
Available-for-sale securities 9,598,627 8,639,389    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Municipal securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 39,233 62,230    
Investment securities 11,204 11,674    
Available-for-sale securities 184,273 225,568    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Other trading securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 36,426 22,890    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | U.S. Treasury [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Available-for-sale securities 0 0    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Residential non-agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Available-for-sale securities 696,028 781,209    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Commercial agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Investment securities 16,186 15,357    
Available-for-sale securities 3,126,244 3,204,016    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Other debt securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Investment securities 14,868 15,283    
Available-for-sale securities 0 0    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Cash and due from banks 0 0    
Interest-bearing cash and cash equivalents 0 0    
Trading securities 0 0    
Investment securities 78,139 94,815    
Debt Securities, Held-to-maturity, Allowance for Credit Loss 0 0    
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss 78,139 94,815    
Available-for-sale securities 473 473    
Fair value option securities 0 0    
Residential mortgage loans held for sale 6,295 6,997    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 25,386,463 23,709,546    
Allowance for loan losses 0 0    
Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss 25,386,463 23,709,546    
Mortgage servicing rights 322,724 338,145    
Derivative contracts, net of cash margin, Assets, Fair Value 0 0    
Deposits with no stated maturity 35,795,923 34,655,820    
Time deposits 3,629,060 3,522,242    
Other borrowed funds 4,237,752 4,323,174    
Subordinated debentures 0 0    
Derivative contracts, net of cash margin, Liabilities, Fair Value 0 0    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member] | Commercial [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 15,223,531 14,903,851    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member] | Commercial real estate [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 5,597,767 4,933,396    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member] | Loans to individuals [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 4,565,165 3,872,299    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member] | U.S. government securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 0 0    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member] | Residential agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 0 0    
Investment securities 0 0    
Available-for-sale securities 0 0    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member] | Municipal securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 0 0    
Investment securities 78,139 94,815    
Available-for-sale securities 0 0    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member] | Other trading securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 0 0    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member] | U.S. Treasury [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Available-for-sale securities 0 0    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member] | Residential non-agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Available-for-sale securities 0 0    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member] | Commercial agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Investment securities 0 0    
Available-for-sale securities 0 0    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member] | Other debt securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Investment securities 0 0    
Available-for-sale securities $ 473 $ 473    
[1] Carrying value includes $83 million of net unrealized loss which remains in AOCI in the Consolidated Balance Sheets related to certain securities transferred during the second quarter of 2022 from the Available-for-Sale securities portfolio to the Investment securities portfolio.
[2] Carrying value includes $119 million of net unrealized loss which remains in AOCI in the Consolidated Balance Sheets related to certain securities transferred during the second quarter of 2022 from the Available-for-Sale securities portfolio to the Investment securities portfolio.
v3.25.4
Parent Company Only Financial Statements Parent Company Only Financial Statements, Condensed Balance Sheet Statement (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Assets [Abstract]    
Loan to bank subsidiary $ 25,375,602 $ 23,834,689
Other assets 880,064 1,135,085
Total assets 52,237,501 49,685,892
Liabilities [Abstract]    
Other liabilities 476,116 494,105
Subordinated debentures 396,589 131,200
Total liabilities 46,316,821 44,134,935
Shareholders' equity: [Abstract]    
Common stock 5 5
Capital surplus 1,429,369 1,429,628
Retained earnings 6,022,586 5,592,100
Treasury Stock, Value (1,367,144) (970,340)
Accumulated other comprehensive loss (166,170) (503,040)
Total shareholders’ equity 5,918,646 5,548,353
Total liabilities and shareholders’ equity 52,237,501 49,685,892
Parent Company [Member]    
Assets [Abstract]    
Cash and cash equivalents 149,651 276,046
Loan to bank subsidiary 65,115 65,131
Investment in bank subsidiary 5,495,781 5,130,141
Investment in non-bank subsidiaries 203,796 196,199
Other assets 17,005 19,486
Total assets 5,931,348 5,687,003
Liabilities [Abstract]    
Other liabilities 12,702 7,450
Subordinated debentures 0 131,200
Total liabilities 12,702 138,650
Shareholders' equity: [Abstract]    
Common stock 5 5
Capital surplus 1,429,369 1,429,628
Retained earnings 6,022,586 5,592,100
Treasury Stock, Value (1,367,144) (970,340)
Accumulated other comprehensive loss (166,170) (503,040)
Total shareholders’ equity 5,918,646 5,548,353
Total liabilities and shareholders’ equity $ 5,931,348 $ 5,687,003
v3.25.4
Parent Company Only Financial Statements Parent Company Only Financial Statements, Condensed Income Statements (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Condensed Income Statements, Captions [Line Items]      
Other operating expense $ 1,432,856 $ 1,365,755 $ 1,332,881
Other gains (losses), net 43,757 79,726 56,795
Federal and state income taxes 162,640 143,091 152,115
Net income attributable to BOK Financial Corp. shareholders 577,990 523,569 530,746
Parent Company [Member]      
Condensed Income Statements, Captions [Line Items]      
Total revenue 577,162 327,952 338,591
Interest expense 3,672 9,216 8,952
Other operating expense 2,701 3,196 5,674
Total expense 6,373 12,412 14,626
Net income before taxes, other losses, net, and equity in undistributed income of subsidiaries 570,789 315,540 323,965
Other gains (losses), net (4,221) 2,112 32,656
Net income before taxes and equity in undistributed income of subsidiaries 566,568 317,652 356,621
Federal and state income taxes (1,361) (2,390) 5,410
Net income before equity in undistributed income of subsidiaries 567,929 320,042 351,211
Equity in undistributed income of bank subsidiaries 4,417 226,271 181,487
Equity in undistributed income of non-bank subsidiaries 5,644 (22,744) (1,952)
Net income attributable to BOK Financial Corp. shareholders 577,990 523,569 530,746
Parent Company [Member] | Dividends, interest and fees received from bank susidiaries [Member]      
Condensed Income Statements, Captions [Line Items]      
Total revenue 555,343 304,515 329,429
Parent Company [Member] | Dividends, interest and fees received from non-bank subsidiaries [Member]      
Condensed Income Statements, Captions [Line Items]      
Total revenue 18,666 22,151 8,000
Parent Company [Member] | Other revenue [Member]      
Condensed Income Statements, Captions [Line Items]      
Total revenue $ 3,153 $ 1,286 $ 1,162
v3.25.4
Parent Company Only Financial Statements Parent Company Only Financial Statements, Condensed Cash Flow Statement (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Cash Flows From Operating Activities: [Abstract]      
Net income $ 577,978 $ 523,553 $ 531,133
Adjustments to reconcile net income to net cash provided by operating activities: [Abstract]      
Other gains, net 45,718 33,898 26,162
Change in other assets 111,816 106,972 89,930
Change in other liabilities 549,842 295,319 (79,733)
Net cash provided by operating activities 739,620 1,430,454 66,183
Cash Flows From Investing Activities: [Abstract]      
Sale of subsidiary 0 0 32,601
Net cash provided by (used in) investing activities (1,521,746) (477,232) (1,791,264)
Cash Flows From Financing Activities: [Abstract]      
Repayment of subordinated debentures 132,166 0 0
Issuance of common and treasury stock, net 6,558 3,764 4,941
Dividends paid (147,504) (142,981) (143,398)
Repurchase of common stock (413,208) (89,856) (176,819)
Net cash used in financing activities 1,005,527 (866,786) 1,671,630
Net increase (decrease) in cash and cash equivalents 223,401 86,436 (53,451)
Cash and cash equivalents at beginning of period 1,434,701 1,348,265 1,401,716
Cash and cash equivalents at end of period 1,658,102 1,434,701 1,348,265
Cash paid for interest 1,205,437 1,428,059 1,044,950
Parent Company [Member]      
Cash Flows From Operating Activities: [Abstract]      
Net income 577,990 523,569 530,746
Adjustments to reconcile net income to net cash provided by operating activities: [Abstract]      
Equity in undistributed income of bank subsidiaries (4,417) (226,271) (181,487)
Equity in undistributed income of non-bank subsidiaries (5,644) 22,744 1,952
Other gains, net 4,221 (2,112) (32,656)
Change in other assets 768 (963) (1,986)
Change in other liabilities 4,259 (7,504) 13,404
Net cash provided by operating activities 575,641 311,389 333,945
Cash Flows From Investing Activities: [Abstract]      
Investment in subsidiaries (2,600) (2,550) (2,975)
Sale of subsidiary 0 0 (32,601)
Net cash provided by (used in) investing activities (2,600) (2,550) 29,626
Cash Flows From Financing Activities: [Abstract]      
Repayment of subordinated debentures (132,166) 0 0
Issuance of common and treasury stock, net (6,558) (3,764) (4,941)
Dividends paid (147,504) (142,981) (143,398)
Repurchase of common stock (413,208) (89,856) (176,819)
Net cash used in financing activities (699,436) (236,601) (325,158)
Net increase (decrease) in cash and cash equivalents (126,395) 72,238 38,413
Cash and cash equivalents at beginning of period 276,046 203,808 165,395
Cash and cash equivalents at end of period 149,651 276,046 203,808
Cash paid for interest $ 4,255 $ 9,626 $ 8,479