BOK FINANCIAL CORP, 10-K filed on 2/19/2025
Annual Report
v3.25.0.1
Document And Entity Information - USD ($)
$ in Billions
 12 Months Ended
Dec. 31, 2024
Jan. 31, 2025
Jun. 30, 2024
Document and Entity Information [Abstract]      
Document Type 10-K    
Document Annual Report true    
Document Period End Date Dec. 31, 2024    
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     $ 2.4
Entity Common Stock, Shares Outstanding   (64,226,062)  
Entity Central Index Key 0000875357    
Current Fiscal Year End Date --12-31    
Document Fiscal Year Focus 2024    
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    
v3.25.0.1
Consolidated Statements of Earnings - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Interest and dividend revenue [Abstract]      
Loans $ 1,760,774 $ 1,630,620 $ 976,653
Residential mortgage loans held for sale 5,062 4,341 6,027
Trading securities 288,182 215,994 115,048
Investment securities 30,005 33,822 24,072
Available for sale securities 490,543 387,891 248,323
Fair value option securities 761 7,760 2,145
Restricted equity securities 32,903 29,683 8,282
Interest-bearing cash and cash equivalents 28,234 32,353 11,552
Total interest revenue 2,636,464 2,342,464 1,392,102
Interest Expense, Operating      
Deposits 1,025,729 626,597 121,749
Borrowed funds 390,761 434,735 52,483
Subordinated debentures 9,216 8,952 6,490
Total interest expense 1,425,706 1,070,284 180,722
Net interest and dividend revenue 1,210,758 1,272,180 1,211,380
Provision for credit losses 18,000 46,000 30,000
Net interest and dividend income after provision for credit losses 1,192,758 1,226,180 1,181,380
Fees and commissions revenue 810,023 781,118 657,213
Other gains, net 79,726 56,795 123
Gain (loss) on derivatives, net (22,461) (9,921) (73,011)
Gain (loss) on fair value option securities, net (256) (4,292) (20,358)
Change in fair value of mortgage servicing rights 18,437 (3,115) 80,261
Loss on available for sale securities, net (45,828) (30,636) (971)
Total other operating revenue 839,641 789,949 643,257
Other operating expense [Abstract]      
Personnel 811,239 766,610 670,918
Business promotion 33,274 31,796 26,435
Charitable contributions to BOKF Foundation 13,610 2,707 2,500
Professional fees and services 53,921 55,337 56,342
Net occupancy and equipment 125,328 121,502 116,867
FDIC and other insurance 31,105 30,780 17,994
FDIC special assessment 5,521 43,773 0
Data processing and communications 187,273 181,365 165,907
Printing, postage and supplies 15,079 15,225 15,857
Amortization of intangible assets 11,612 13,882 15,692
Mortgage banking costs 34,638 30,524 35,834
Other expense 43,155 39,380 40,134
Total other operating expense 1,365,755 1,332,881 1,164,480
Net income before taxes 666,644 683,248 660,157
Federal and state income taxes 143,091 152,115 139,864
Net income 523,553 531,133 520,293
Net income (loss) attributable to Non-controlling interests (16) 387 20
Net income attributable to BOK Financial Corporation shareholders $ 523,569 $ 530,746 $ 520,273
Earnings per share: [Abstract]      
Basic (in dollars per share) $ 8.14 $ 8.02 $ 7.68
Diluted (in dollars per share) $ 8.14 $ 8.02 $ 7.68
Average shares used in computation: [Abstract]      
Basic (in shares) 63,745,088 65,651,569 67,212,728
Diluted (in shares) 63,745,088 65,651,569 67,212,735
Dividends declared per share (in dollars per share) $ 2.22 $ 2.17 $ 2.13
Brokerage and trading revenue [Member]      
Fees and commissions revenue $ 218,092 $ 240,610 $ 140,978
Transaction card revenue [Member]      
Fees and commissions revenue 108,865 106,858 104,266
Fiduciary and asset management revenue [Member]      
Fees and commissions revenue 230,860 207,318 196,326
Deposit service charges and fees [Member]      
Fees and commissions revenue 118,745 108,514 110,636
Mortgage banking revenue [Member]      
Fees and commissions revenue 74,107 55,698 49,365
Other revenue [Member]      
Fees and commissions revenue $ 59,354 $ 62,120 $ 55,642
v3.25.0.1
Consolidated Statements of Comprehensive Income - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Statement of Comprehensive Income [Abstract]      
Net income $ 523,553 $ 531,133 $ 520,293
Other comprehensive income (loss), before income taxes: [Abstract]      
Net change in unrealized gain (loss) 33,461 218,293 (1,227,414)
Reclassification adjustments included in earnings: [Abstract]      
Interest revenue, Investment securities 46,020 60,394 42,514
Operating expense, Personnel 0 0 (3,483)
Loss on available for sale securities, net 45,828 30,636 971
Other comprehensive income (loss), before income taxes 125,309 309,323 (1,187,412)
Federal and state income taxes 29,249 71,468 (278,086)
Other comprehensive income (loss), net of income taxes 96,060 237,855 (909,326)
Comprehensive income (loss) 619,613 768,988 (389,033)
Comprehensive income (loss) attributable to non-controlling interests (16) 387 20
Comprehensive income (loss) attributable to BOK Financial Corp. shareholders $ 619,629 $ 768,601 $ (389,053)
v3.25.0.1
Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Assets [Abstract]    
Cash and due from banks $ 1,043,969 $ 947,613
Interest-bearing cash and cash equivalents 390,732 400,652
Trading securities 4,899,090 5,193,505
Investment securities 2,017,225 [1] 2,244,153 [2]
Available for sale securities 12,851,600 12,286,681
Fair value option securities 17,876 20,671
Restricted equity securities 406,178 423,099
Residential mortgage loans held for sale 77,561 56,935
Loans 24,114,724 23,904,968
Allowance for loan losses (280,035) (277,123)
Loans, net of allowance 23,834,689 23,627,845
Premises and equipment, net 634,485 622,223
Receivables 281,091 317,922
Goodwill 1,044,749 1,044,749
Intangible assets, net 46,788 59,979
Mortgage servicing rights 338,145 293,884
Real estate and other repossessed assets, net of allowance 2,254 2,875
Derivative contracts, net 242,809 410,304
Cash surrender value of bank-owned life insurance 416,741 409,548
Receivable on unsettled securities sales 4,825 391,910
Other assets 1,135,085 1,070,282
Total assets 49,685,892 49,824,830
Deposits [Abstract]    
Noninterest-bearing demand deposits 8,371,897 9,196,493
Interest-bearing Deposit Liabilities [Abstract]    
Transaction 25,455,106 20,964,101
Savings 828,817 847,085
Time 3,535,410 3,012,022
Total deposits 38,191,230 34,019,701
Funds purchased and repurchase agreements 1,292,856 1,122,748
Other borrowings 3,030,123 7,701,552
Subordinated debentures 131,200 131,150
Accrued interest, taxes, and expense 352,345 338,996
Derivative contracts, net 237,582 587,473
Due on unsettled securities purchases 405,494 254,057
Other liabilities 494,105 523,734
Total liabilities 44,134,935 44,679,411
Shareholders' equity: [Abstract]    
Common stock 5 5
Capital surplus 1,429,628 1,406,745
Retained earnings 5,592,100 5,211,512
Treasury stock (970,340) (876,720)
Accumulated other comprehensive loss (503,040) (599,100)
Total shareholders’ equity 5,548,353 5,142,442
Non-controlling interests 2,604 2,977
Total equity 5,550,957 5,145,419
Total liabilities and equity $ 49,685,892 $ 49,824,830
[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.
[2] Carrying value includes $165 million of net unrealized loss which remains in AOCI in the Consolidated Balance Sheets related to certain securities transferred during the second quarter of 2022 from the Available for Sale securities portfolio to the Investment securities portfolio.
v3.25.0.1
Consolidated Balance Sheets (Parenthetical) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Investment securities [Abstract]    
Investment securities, fair value $ 1,817,929 $ 2,072,586
Real estate and other repossessed assets, allowance $ 5,537 $ 5,355
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) 76,817,607 76,593,292
Common stock, shares outstanding (in shares) 76,817,607 76,593,292
Treasury Stock, Common, Shares 12,696,308 11,626,115
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest $ 280,035 $ 277,123
v3.25.0.1
Consolidated Statements of Changes in Equity - USD ($)
shares in Thousands, $ 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]
Balance, beginning of period (in shares) at Dec. 31, 2021   76,254     7,786      
Balance, beginning of period at Dec. 31, 2021 $ 5,368,371 $ 5 $ 1,378,794 $ 4,447,691 $ (535,129) $ 72,371 $ 5,363,732 $ 4,639
Net income 520,293     520,273     520,273 20
Other comprehensive income (loss), net (909,326)         (909,326) (909,326)  
Repurchase of common stock (in shares)         1,633      
Repurchase of common stock (154,887)       $ (154,887)   (154,887)  
Stock options exercised (in shares)   1            
Stock options exercised 37   37       37  
Non-vested shares awarded, net (in shares)   168            
Vesting of non-vested shares (in shares)         46      
Vesting of non-vested shares (4,944)       $ (4,944)   (4,944)  
Share-based compensation 11,564   11,564       11,564  
Cash dividends on common stock (143,800)     (143,800)     (143,800)  
Noncontrolling Interest, Increase from Subsidiary Equity Issuance (50)             (50)
Balance, end of period (in shares) at Dec. 31, 2022   76,423     9,465      
Balance, end 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      
Repurchase of common stock (176,819)       $ (176,819)   (176,819)  
Non-vested shares awarded, net (in shares)   170            
Vesting of non-vested shares (in shares)         47      
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)  
Noncontrolling Interest, Increase from Subsidiary Equity Issuance               (2,119)
Capital calls and distributions, net (2,119)              
Balance, end of period (in shares) at Dec. 31, 2023   76,593     11,626      
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
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      
Repurchase of common stock (89,856)       $ (89,856)   (89,856)  
Non-vested shares awarded, net (in shares)   225            
Vesting of non-vested shares (in shares)         41      
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)
Balance, end of period (in shares) at Dec. 31, 2024   76,818     12,696      
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
v3.25.0.1
Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Cash Flows From Operating Activities: [Abstract]      
Net income $ 523,553 $ 531,133 $ 520,293
Adjustments to reconcile net income to net cash provided by (used in) operating activities: [Abstract]      
Provision for credit losses 18,000 46,000 30,000
Change in fair value of mortgage servicing rights due to market changes (18,437) 3,115 (80,261)
Change in fair value of mortgage servicing rights due to principal payments 30,807 27,343 31,741
Net unrealized losses (gains) from derivative contracts (173,247) 133,118 (52,214)
Share-based compensation 22,883 16,350 11,564
Depreciation and amortization 105,306 109,893 107,563
Net amortization of discounts and premiums (45,069) (19,985) 9,215
Net losses (gains) on financial instruments and other losses (gains), net (33,898) (26,162) 846
Net loss (gain) on mortgage loans held for sale (7,625) 4,483 (2,948)
Mortgage loans originated for sale (812,263) (666,391) (1,180,403)
Proceeds from sale of mortgage loans held for sale 800,376 679,389 1,295,588
Capitalized mortgage servicing rights (14,976) (12,141) (18,215)
Charitable contributions to BOKF Foundation 13,610 0 0
Change in trading and fair value option securities 297,198 (453,340) 4,419,761
Change in receivables 321,945 (316,819) (34,301)
Change in other assets 106,972 89,930 13,205
Change in other liabilities 295,319 (79,733) 50,836
Net cash provided by (used in) operating activities 1,430,454 66,183 5,122,270
Cash Flows From Investing Activities: [Abstract]      
Proceeds from maturities or redemptions of investment securities 224,077 268,263 157,796
Proceeds from maturities or redemptions of available for sale securities 2,138,581 1,558,160 2,192,200
Purchases of investment securities 0 (2,504) (10,000)
Purchases of available for sale securities (3,467,059) (2,951,422) (4,533,892)
Proceeds from sales of available for sale securities 839,352 834,704 307,481
Change in amount receivable on unsettled available for sale securities transactions 100,758 (86,110) 9,629
Loans originated, net of principal collected (195,624) (1,349,900) (2,348,586)
Net payments or proceeds on derivative asset contracts 12,204 154,602 (7,099)
Proceeds from sale of BOKF Insurance 0 32,601 0
Net change in restricted equity securities   123,448 216,538
Net change in restricted equity securities 16,921    
Proceeds from disposition of assets 25,147 39,708 60,769
Purchases of assets (171,589) (165,918) (215,046)
Net cash provided by (used in) investing activities (477,232) (1,791,264) (4,603,286)
Cash Flows From Financing Activities: [Abstract]      
Net change in demand deposits, transaction deposits and savings accounts 3,648,141 (2,011,184) (6,518,868)
Net change in time deposits 523,388 1,550,180 (242,486)
Net change in other borrowed funds (4,526,879) 1,802,549 4,609,824
Change in amount due on unsettled security purchases (180,074) 190,085 (17,782)
Issuance of common and treasury stock, net (3,764) (4,941) (4,907)
Net change in derivative margin accounts (81,284) 631,433 519,797
Net payments or proceeds on derivative liability contracts (13,477) (166,275) (1,569)
Repurchase of common stock (89,856) (176,819) (154,887)
Dividends paid (142,981) (143,398) (143,800)
Net cash provided by (used in) financing activities (866,786) 1,671,630 (1,954,678)
Net increase (decrease) in cash and cash equivalents 86,436 (53,451) (1,435,694)
Cash and cash equivalents at beginning of period 1,348,265 1,401,716 2,837,410
Cash and cash equivalents at end of period 1,434,701 1,348,265 1,401,716
Supplemental Cash Flow Information: [Abstract]      
Cash paid for interest 1,428,059 1,044,950 176,081
Cash paid for taxes 100,512 173,916 79,532
Net loans and bank premises transferred to repossessed real estate and other assets 462 787 12,326
Transfer of available for sale securities to investment securities, Fair Value 0 0 2,454,273
Residential mortgage loans guaranteed by U.S. government agencies that became eligible for repurchase during the period 25,558 14,466 34,259
Conveyance of other real estate owned guaranteed by U.S. government agencies 3,848 5,534 8,451
Right-of-use assets obtained in exchange for operating lease liabilities $ 19,100 $ 71,865 $ 22,059
v3.25.0.1
Mortgage Banking Activities Mortgage Banking Activities
 12 Months Ended
Dec. 31, 2024
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, 2024December 31, 2023
 Unpaid Principal Balance/
Notional		Fair ValueUnpaid Principal Balance/
Notional		Fair Value
Residential mortgage loans held for sale$77,080 $75,969 $56,922 $56,457 
Residential mortgage loan commitments36,590 1,119 34,783 1,379 
Forward sales contracts82,000 473 75,448 (901)
  $77,561  $56,935 

No residential mortgage loans held for sale were 90 days or more past due or considered impaired as of December 31, 2024 or December 31, 2023. No credit losses were recognized on residential mortgage loans held for sale for the years ended December 31, 2024, 2023 and 2022.

Mortgage banking revenue was as follows (in thousands):
 Year Ended
 202420232022
Production revenue:  
Net realized gain (loss) on sales of mortgage loans$8,271 $(5,021)$7,416 
Net change in unrealized gain (loss) on mortgage loans held for sale(646)538 (4,468)
Net change in the fair value of mortgage loan commitments(260)325 (5,113)
Net change in the fair value of forward sales contracts1,374 (1,181)327 
Total mortgage production revenue8,739 (5,339)(1,838)
Servicing revenue65,368 61,037 51,203 
Total mortgage banking revenue$74,107 $55,698 $49,365 

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 mortgage servicing rights. 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,
 202420232022
Number of residential mortgage loans serviced for others125,728 115,967 110,541 
Outstanding principal balance of residential mortgage loans serviced for others$22,269,513 $20,382,192 $18,863,201 
Weighted average interest rate3.73 %3.64 %3.59 %
Remaining contractual term (in months)276280283
Activity in capitalized mortgage servicing rights during the three years ended December 31, 2024 is as follows (in thousands):
Balance, December 31, 2021$163,198 
Additions18,215 
Acquisitions47,675 
Change in fair value due to principal payments(31,741)
Change in fair value due to market assumption changes80,261 
Balance, December 31, 2022277,608 
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, 2024$338,145 

Changes in the fair value of mortgage servicing rights 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. 

Mortgage servicing rights 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,
 20242023
Discount rate – risk-free rate plus a market premium9.60%9.72%
Prepayment rate - based upon loan interest rate, original term, and loan type7.09%7.34%
Loan servicing costs – annually per loan based upon loan type:
Performing loans
$73 - $94
$69 - $94
Delinquent loans
$150 - $500
$150 - $500
Loans in foreclosure
$875 - $6,000
$875 - $8,000
Primary/secondary mortgage rate spread
115 bps105 bps
Escrow earnings rate – indexed to rates paid on deposit accounts with a comparable average life4.44%3.90%
Delinquency rate
2.19%2.06%

Changes in primary residential mortgage interest rates directly affect the prepayment speeds used in valuing our mortgage servicing rights. 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.
v3.25.0.1
Significant Accounting Policies
 12 Months Ended
Dec. 31, 2024
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 for each reporting unit is evaluated for impairment annually as of October 1st or more frequently if conditions indicate that impairment may have occurred. The evaluation of possible goodwill impairment involves significant judgment based upon short-term and long-term projections of future performance. Reporting units are defined by the Company as significant lines of business within each operating segment. This definition is consistent with the manner in which the CODM assesses the performance of the Company and makes decisions concerning the allocation of resources.

During the evaluation 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. Reporting unit carrying value includes sufficient capital to exceed regulatory requirements plus goodwill. 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.
•Global health concerns including ongoing pandemics or potential for widespread health issues, the future course of a pandemic and the potential for medical advances.
•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, and 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 compares the fair value of the reporting unit with its carrying value. The fair value of each reporting unit is estimated by the discounted future earnings method. 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. Available for sale 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 available for sale 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 mortgage servicing rights 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 mortgage servicing rights. 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 mortgage servicing rights 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 gain (loss) on assets.

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 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 Loans 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 that 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 de-recognized 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
 
Mortgage servicing rights may be purchased or may be recognized when mortgage loans are originated and sold with servicing rights retained. All mortgage servicing rights are carried at fair value. Changes in the fair value are recognized in earnings as they occur.

Mortgage servicing rights 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 mortgage servicing rights 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 quarterly 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.

Management evaluates the Company's current tax expense or benefit based upon estimates of 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 we conduct business and adjust recognized income tax expense or benefit to filed tax returns.

Deferred tax assets and liabilities are recognized based upon the 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 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 also 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. Unrecognized tax benefits, including estimated interest and penalties, are assessed quarterly and are part of our current accrued income tax liability. These 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 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. BOK Financial previously sponsored a Pension Plan. Pension Plan benefits were curtailed as of April 1, 2006. At December 31, 2022, the Pension Plan has been terminated, all benefits have been paid and all obligations settled. Prior to termination, BOK Financial recognized the funded status of its Pension Plan and related Plan costs, which were based upon actuarial computations of current costs, were expensed annually. Adjustments required to recognize the Pension Plan's net funded status were made through accumulated other comprehensive income, net of deferred income taxes. See Note 11, "Employee Benefits" for further discussion.

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. The grant date fair value of non-vested shares is based on the then-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 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 TransFund 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 2023-01, Leases (Topic 842): Common Control Arrangements

On March 27, 2023, the FASB issued ASU 2023-01 which, in part, amends the accounting for leasehold improvements in common-control arrangements. Under previous guidance, a lessee is generally required to amortize leasehold improvements that it owns over the shorter of the useful life of those improvements or the lease term. However, due to the nature of leasehold improvements made under leases between entities under common control, ASU 2023-01 requires a lessee in a common-control arrangement to amortize such leasehold improvements that it owns over the improvements' useful lives to the common control group, regardless of the lease term. ASU 2023-01 is effective for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. Adoption of ASU 2023-01 did not have a material impact on the Company's financial statements.
FASB ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures

The FASB issued ASU 2023-07 on November 27, 2023, which is intended to improve reportable segment disclosure requirements. Under previous guidance, while entities were required to disclose segment revenue and measure of profit or loss, there has been limited disclosure around the reporting of segment expenses. In addition to enhanced disclosures about significant segment expenses, the amendments enhance interim disclosure requirements, clarify circumstances in which an entity can disclose multiple segment measures of profit or loss, provide new segment disclosure requirements for entities with a single reportable segment, and contain other disclosure requirements. The purpose of the amendments is to enable investors to better understand an entity’s overall performance and assess potential future cash flows. ASU 2023-07 is effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. The Company has adopted the requirements of the expanded segment disclosures as of December 31, 2024.

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. The Company is currently assessing the impact ASU 2023-09 will have on its income tax disclosures.

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. The Company is evaluating the requirements of ASU 2024-01 and does not expect adoption to 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.
v3.25.0.1
Securities
 12 Months Ended
Dec. 31, 2024
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, 2024December 31, 2023
 Fair ValueNet Unrealized Gain (Loss)Fair ValueNet Unrealized Gain (Loss)
U.S. government securities$21,275 $(60)$10,959 $28 
Residential agency mortgage-backed securities
4,792,695 (37,439)5,105,137 98,124 
Municipal securities62,230 (566)37,413 323 
Other trading securities22,890 33 39,996 160 
Total trading securities$4,899,090 $(38,032)$5,193,505 $98,635 

Investment Securities
 
The amortized cost and fair values of investment securities are as follows (in thousands):
 December 31, 2024
 AmortizedCarryingFairGross 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.
 December 31, 2023
 AmortizedCarrying FairGross Unrealized
 Cost
Value1
ValueGainLoss
Municipal securities$120,705 $120,705 $125,525 $5,014 $(194)
Mortgage-backed securities:
Residential agency2,255,340 2,092,083 1,917,810 125 (174,398)
Commercial agency17,258 15,914 15,067 — (847)
Other debt securities15,787 15,787 14,184 — (1,603)
Total investment securities2,409,090 2,244,489 2,072,586 5,139 (177,042)
Allowance for credit losses(336)(336)— — — 
Investment securities, net of allowance$2,408,754 $2,244,153 $2,072,586 $5,139 $(177,042)
1     Carrying value includes $165 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, 2024, 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$19,306 $100,805 $16,851 $13 $136,975 2.65 
Fair value19,350 102,098 15,668 13 137,129  
Residential mortgage-backed securities:      
Carrying value2
    $1,880,473 
Fair value    1,680,800  
Total investment securities:      
Carrying value    $2,017,448  
Fair value    1,817,929  
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 4.7 years based upon current prepayment assumptions.


Temporarily Impaired Investment Securities
(Dollars in thousands)
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 

December 31, 2023
 Number of SecuritiesLess Than 12 Months12 Months or LongerTotal
Fair
Value		Unrealized
Loss		Fair
Value		Unrealized
Loss		Fair
Value		Unrealized
Loss
Investment:       
Municipal securities13 $1,931 $5 $6,600 $189 $8,531 $194 
Mortgage-backed securities:
Residential agency116 — — 1,916,732 174,398 1,916,732 174,398 
Commercial agency2 — — 15,067 847 15,067 847 
Other debt securities3 — — 8,672 1,603 8,672 1,603 
Total investment securities134 $1,931 $5 $1,947,071 $177,037 $1,949,002 $177,042 
Available for Sale Securities 

The amortized cost and fair value of available for sale securities are as follows (in thousands):
 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)
 December 31, 2023
 AmortizedFairGross Unrealized
 CostValueGainLoss
U.S. Treasury$1,000 $925 $— $(75)
Municipal securities544,707 502,833 1 (41,875)
Mortgage-backed securities:   
Residential agency7,066,645 6,834,720 36,983 (268,908)
Residential non-agency833,535 799,877 12,865 (46,523)
Commercial agency4,456,918 4,147,853 2,972 (312,037)
Other debt securities500 473 — (27)
Total available for sale securities$12,903,305 $12,286,681 $52,821 $(669,445)

The amortized cost and fair values of available for sale securities at December 31, 2024, 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$236,710 $2,469,580 $544,215 $427,988 $3,678,493 4.99 
Fair value234,816 2,290,038 493,883 412,265 3,431,002 
Residential mortgage-backed securities:     
Amortized cost2
    $9,710,442 
Fair value    9,420,598 
Total available for sale securities:
      
Amortized cost    $13,388,935  
Fair value    12,851,600  
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 4.4 years based upon current prepayment assumptions.
Sales of available for sale securities resulted in gains and losses as follows (in thousands):
Year Ended December 31,
 202420232022
Proceeds$839,352 $834,704 $307,481 
Gross realized gains2,257 1,180 5,054 
Gross realized losses(48,085)(31,816)(6,025)
Related federal and state income tax expense (benefit)
(10,779)(7,206)(227)

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 $9.9 billion at December 31, 2024 and $13.9 billion at December 31, 2023. 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, 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 
December 31, 2023
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 $— $— $925 $75 $925 $75 
Municipal securities190 6,799 410 494,955 41,465 501,754 41,875 
Mortgage-backed securities:
     
Residential agency630 690,118 3,689 3,717,975 265,219 4,408,093 268,908 
Residential non-agency32 116,077 1,244 451,370 45,279 567,447 46,523 
Commercial agency
269 392,828 2,626 3,421,757 309,411 3,814,585 312,037 
Other debt securities1 — — 473 27 473 27 
Total available for sale securities1,123 $1,205,822 $7,969 $8,087,455 $661,476 $9,293,277 $669,445 

No credit impairment of available for sale securities was identified in 2024. 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, 2024, the Company does not intend to sell any impaired available for sale 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 mortgage servicing rights. 

The fair value and net unrealized gain (loss) included in fair value option securities is as follows (in thousands):
 December 31, 2024December 31, 2023
 Fair ValueNet Unrealized Gain (Loss)Fair ValueNet Unrealized Gain (Loss)
Residential agency mortgage-backed securities$17,876 $(1,662)$20,671 $(1,406)
v3.25.0.1
Derivatives
 12 Months Ended
Dec. 31, 2024
Derivative Instrument Detail [Abstract]  
Derivatives [Text Block] Derivatives
 
The following table summarizes the fair values of derivative contracts recorded as "derivative contracts" assets and liabilities in the balance sheet 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 
Interest rate 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 
Interest rate 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 table summarizes the fair values of derivative contracts recorded as "derivative contracts" assets and liabilities in the balance sheet at December 31, 2023 (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$2,754,476 $108,450 $(6,810)$101,640 $(94,608)$7,032 
Energy contracts7,846,190 836,425 (399,148)437,277 (169,141)268,136 
Foreign exchange contracts54,999 53,863 — 53,863 (872)52,991 
Equity option contracts3,316 54 — 54 (44)10 
Total customer risk management programs10,658,981 998,792 (405,958)592,834 (264,665)328,169 
Trading16,264,818 118,545 (37,111)81,434 (6,996)74,438 
Internal risk management programs425,014 7,697 — 7,697 — 7,697 
Total derivative contracts$27,348,813 $1,125,034 $(443,069)$681,965 $(271,661)$410,304 
Liabilities
 Notional¹Gross Fair ValueNetting AdjustmentsNet Fair Value Before Cash CollateralCash CollateralFair Value Net of Cash Collateral
Customer risk management programs:   
Interest rate contracts$2,754,476 $108,402 $(6,810)$101,592 $— $101,592 
Energy contracts8,254,004 831,467 (399,148)432,319 (6,441)425,878 
Foreign exchange contracts54,405 53,065 — 53,065 — 53,065 
Equity option contracts3,316 54 — 54 — 54 
Total customer risk management programs11,066,201 992,988 (405,958)587,030 (6,441)580,589 
Trading20,644,156 224,648 (37,111)187,537 (181,917)5,620 
Internal risk management programs2,244 1,264 — 1,264 — 1,264 
Total derivative contracts$31,712,601 $1,218,900 $(443,069)$775,831 $(188,358)$587,473 
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,
202420232022
 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$5,455 $— $5,531 $— $10,690 $— 
Energy contracts21,913 — 30,715 — 34,435 — 
Foreign exchange contracts370 — 276 — 591 — 
Total customer risk management programs27,738 — 36,522 — 45,716 — 
Trading1
149,613 — (139,235)— 48,616 — 
Internal risk management programs
— (22,461)— (9,921)— (73,011)
Total derivative contracts$177,351 $(22,461)$(102,713)$(9,921)$94,332 $(73,011)
1    Includes changes in fair value of to-be-announced U.S. agency residential mortgage-backed securities and other derivative instruments offered to mortgage banking customers to manage their market risk or held to mitigate market risk of trading securities portfolio, which is offset by changes in fair value of trading securities also included in 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.
v3.25.0.1
Loans and Allowances for Credit Losses
 12 Months Ended
Dec. 31, 2024
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, 2024December 31, 2023
Fixed
Rate		Variable
Rate		Non-accrualTotalFixed
Rate		Variable
Rate
Non-
accrual
Total
Commercial$3,450,238 $11,565,251 $14,647 $15,030,136 $3,558,563 $11,135,075 $110,131 $14,803,769 
Commercial real estate
668,532 4,380,015 9,905 5,058,452 791,757 4,538,570 7,320 5,337,647 
Loans to individuals2,620,936 1,383,027 22,173 4,026,136 2,282,914 1,452,620 28,018 3,763,552 
Total$6,739,706 $17,328,293 $46,725 $24,114,724 $6,633,234 $17,126,265 $145,469 $23,904,968 
Foregone interest on nonaccrual loans
$10,061 $7,863 

At December 31, 2024, loans to businesses and individuals with collateral primarily located in Texas totaled $7.8 billion or 32% of the total loan portfolio. Loans to businesses and individuals with collateral primarily located in Oklahoma totaled $3.7 billion or 15% of our total loan portfolio. Loans to businesses and individuals with collateral primarily located in Colorado totaled $2.9 billion or 12% 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, 2023, loans to businesses and individuals with collateral primarily located in Texas totaled $7.6 billion or 32% of the loan portfolio, loans to businesses and individuals with collateral primarily located in Oklahoma totaled $3.3 billion or 14% of the loan portfolio and loans to businesses and individuals with collateral primarily located in Colorado totaled $2.7 billion or 11% 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 on-going relationships based on a thorough knowledge of the customer, the customer’s industry and market. While 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 the loans is the on-going 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, 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. Commercial loans with collateral primarily located in Colorado totaled $1.7 billion or 12% 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 $3.6 billion or 15% of total loans. Businesses included in the services class include Native American tribal and state and local municipal government entities, Native American tribal casino operations, foundations and not-for-profit organizations, educational services, and specialty trade contractors. The energy loan class totaled $3.3 billion or 13% of total loans, including $2.6 billion of outstanding loans to energy producers. Approximately 70% of the committed production loans are secured by properties primarily producing oil and 30% of the committed production loans are secured by properties primarily producing natural gas. General business loans represent $4.2 billion or 17% of total loans. General business loans primarily consist of wholesale/retail loans and loans from other commercial industries.

At December 31, 2023, commercial loans with collateral primarily located in Texas totaled $4.8 billion or 33% of the commercial loan portfolio segment, commercial loans with collateral primarily located in Oklahoma totaled $1.8 billion or 12% of the commercial loan portfolio segment, and commercial loans with collateral primarily located in Colorado totaled $1.8 billion or 12% of the commercial loan portfolio segment. The healthcare loan class totaled $4.1 billion or 17% of total loans. The services loan class totaled $3.6 billion or 15% of total loans. The energy loan class totaled $3.4 billion or 14% of total loans, including $2.7 billion of outstanding loans to energy producers. At December 31, 2023, approximately 69% of committed production loans were secured by properties primarily producing oil and 31% 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, 2024, 29% of commercial real estate loans were 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 of Colorado, while concentrations in all other states were less than 10%. At December 31, 2023, 31% of commercial real estate loans are secured by properties primarily located in the Dallas and Houston metropolitan areas of Texas 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, 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, 2024, outstanding commitments totaled $14.7 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, 2024, outstanding standby letters of credit totaled $703 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, 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 

An $18.0 million provision for credit losses was recorded for the year ended December 31, 2024. Improvement in the forecasted economic outlook during the year was offset by the impact of loan growth and some risk grade migration.

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, 2023 is summarized as follows (in thousands):

 CommercialCommercial Real EstateLoans to
Individuals		Total
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 off3,236 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 risk
1,516 (13,051)(407)(11,942)
Ending balance$19,762 $27,439 $1,776 $48,977 
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, 2022 summarized as follows (in thousands):

 CommercialCommercial Real EstateLoans to IndividualsTotal
Allowance for loan losses:    
Beginning balance$162,056 $58,553 $35,812 $256,421 
Provision for loan losses(12,782)(813)14,023 428 
Loans charged off(22,382)(269)(6,095)(28,746)
Recoveries of loans previously charged off
4,694 177 2,730 7,601 
Ending balance$131,586 $57,648 $46,470 $235,704 
Allowance for off-balance sheet credit risk from unfunded loan commitments:    
Beginning balance$13,812 $17,442 $1,723 $32,977 
Provision for off-balance sheet credit losses4,434 23,048 460 27,942 
Ending balance$18,246 $40,490 $2,183 $60,919 

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 


The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2023 is as follows (in thousands):

 Collectively Measured
for General Allowances		Individually Measured
for Specific Allowances		Total
 Recorded InvestmentRelated AllowanceRecorded InvestmentRelated AllowanceRecorded InvestmentRelated
Allowance
Commercial$14,693,638 $138,540 $110,131 $2,692 $14,803,769 $141,232 
Commercial real estate5,330,327 94,718 7,320 — 5,337,647 94,718 
Loans to individuals3,735,534 41,173 28,018 — 3,763,552 41,173 
Total$23,759,499 $274,431 $145,469 $2,692 $23,904,968 $277,123 
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 each credit quality indicator, 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, 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 
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 
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 
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.
The following table summarizes the Company's loan portfolio at December 31, 2023 by the risk grade categories and vintage (in thousands):
Origination Year
20232022202120202019PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Commercial:
Healthcare
Pass$650,768 $895,602 $590,736 $409,001 $331,897 $809,858 $281,378 $15 $3,969,255 
Special Mention— — — 21,791 — 31,235 5 — 53,031 
Accruing Substandard— 2,128 18,508 6,911 — 10,896 975 — 39,418 
Nonaccrual— — — 30,290 23,129 28,110 — — 81,529 
Total healthcare650,768 897,730 609,244 467,993 355,026 880,099 282,358 15 4,143,233 
Loans charged off, year-to-date— — — — 2,500 — — — 2,500 
Energy
Pass190,122 100,006 43,769 7,876 9,562 11,583 3,025,590 — 3,388,508 
Special Mention— — — — — — 13,950 — 13,950 
Accruing Substandard— — — — — — 16,800 — 16,800 
Nonaccrual— — — — — 99 17,744 — 17,843 
Total energy190,122 100,006 43,769 7,876 9,562 11,682 3,074,084 — 3,437,101 
Services
Pass900,090 526,776 401,872 228,818 106,112 643,477 730,729 595 3,538,469 
Special Mention— 1,085 1,520 1,341 534 4,522 81 — 9,083 
Accruing Substandard— 13,712 178 326 3,972 3,746 3,108 13 25,055 
Nonaccrual— — 1,635 338 — — 1,643 — 3,616 
Total services900,090 541,573 405,205 230,823 110,618 651,745 735,561 608 3,576,223 
Loans charged off, year-to-date— — 3,060 — — — 2,642 — 5,702 
General business
Pass942,468 436,832 224,735 138,951 101,100 287,744 1,389,128 2,164 3,523,122 
Special Mention10,264 16,167 8,420 1,253 321 8,295 897 — 45,617 
Accruing Substandard4,401 33,194 1,716 27 — — 31,992 — 71,330 
Nonaccrual— 1,134 — — — 48 5,956 5 7,143 
Total general business957,133 487,327 234,871 140,231 101,421 296,087 1,427,973 2,169 3,647,212 
Loans charged off, year-to-date— — 4,598 2 — 48 10 38 4,696 
Total commercial2,698,113 2,026,636 1,293,089 846,923 576,627 1,839,613 5,519,976 2,792 14,803,769 
Commercial real estate:
Pass396,891 1,941,913 1,194,759 416,647 513,555 705,092 136,095 — 5,304,952 
Special Mention— 476 — — — 19,171 — — 19,647 
Accruing Substandard2,992 — 3 — — 2,733 — — 5,728 
Nonaccrual— — — — 7,170 150 — — 7,320 
Total commercial real estate399,883 1,942,389 1,194,762 416,647 520,725 727,146 136,095 — 5,337,647 
Loans charged off, year-to-date— — — — — 8,446 — — 8,446 
Origination Year
20232022202120202019PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Loans to individuals:
Residential mortgage
Pass426,089 320,733 342,927 349,742 54,801 243,356 375,739 23,895 2,137,282 
Special Mention157 140 131 1,361 18 134 2,982 93 5,016 
Accruing Substandard— 150 — — 37 49 50 — 286 
Nonaccrual79 1,419 237 544 344 12,381 2,387 665 18,056 
Total residential mortgage426,325 322,442 343,295 351,647 55,200 255,920 381,158 24,653 2,160,640 
Loans charged off, year-to-date— — 51 4 — 17 — 1 73 
Residential mortgage guaranteed by U.S. government agencies
Pass633 1,788 2,220 4,297 6,441 124,719 — — 140,098 
Nonaccrual— — — 280 375 9,054 — — 9,709 
Total residential mortgage guaranteed by U.S. government agencies
633 1,788 2,220 4,577 6,816 133,773 — — 149,807 
Personal
Pass218,401 229,580 149,291 136,215 75,348 137,629 503,841 145 1,450,450 
Special Mention66 39 106 30 8 — 1,918 3 2,170 
Accruing Substandard— 64 12 9 144 — 3 — 232 
Nonaccrual4 51 9 16 3 12 158 — 253 
Total personal218,471 229,734 149,418 136,270 75,503 137,641 505,920 148 1,453,105 
Loans charged off, year-to-date1
5,636 82 96 43 — 10 6 26 5,899 
Total loans to individuals645,429 553,964 494,933 492,494 137,519 527,334 887,078 24,801 3,763,552 
Total loans$3,743,425 $4,522,989 $2,982,784 $1,756,064 $1,234,871 $3,094,093 $6,543,149 $27,593 $23,904,968 
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, 2024 follows (in thousands): 
 TotalWith No
Allowance		With AllowanceRelated Allowance
Commercial:    
Healthcare$13,717 $13,717 $— $— 
Energy49 49 — — 
Services767 491 276 276 
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 
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, 2023 follows (in thousands):
 TotalWith No
Allowance		With AllowanceRelated Allowance
Commercial:    
Healthcare$81,529 $40,372 $41,157 $1,478 
Energy
17,843 17,843 — — 
Services3,616 1,684 1,932 1,214 
General business7,143 7,143 — — 
Total commercial110,131 67,042 43,089 2,692 
Commercial real estate7,320 7,320 — — 
Loans to individuals:    
Residential mortgage18,056 18,056 — — 
Residential mortgage guaranteed by U.S. government agencies
9,709 9,709 — — 
Personal253 253 — — 
Total loans to individuals28,018 28,018 — — 
Total$145,469 $102,380 $43,089 $2,692 
Loan Modifications to Borrowers Experiencing Financial Difficulty

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. Modifications generally consist of interest rate reductions, an other than insignificant payment delay, term extension, or a combination. Approximately $91 million of the modifications are term extensions of commercial loans and personal loans, and $8.6 million are 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. A payment default is defined as being 30 or more days past due after modification.

For the year ended December 31, 2023, the Company had $130 million of loan modifications to borrowers experiencing financial difficulty, including $67 million of general business loans, $47 million of healthcare loans, and $13 million of residential mortgage loans guaranteed by U.S. government agencies. Approximately $93 million of the modifications are term extensions of general business, healthcare, and services loans, and $36 million are combination modifications to healthcare loans and residential mortgage loans guaranteed by U.S. government agencies. During the year ended December 31, 2023, $4.8 million of residential mortgage loans guaranteed by U.S. government agencies were modified and subsequently defaulted.

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, 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 
A summary of loans currently performing and past due as of December 31, 2023 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$4,071,336 $18,019 $30,290 $23,588 $4,143,233 $— 
Services3,575,787 2 — 434 3,576,223 — 
Energy3,437,101 — — — 3,437,101 — 
General business3,639,775 412 1,157 5,868 3,647,212 — 
Total commercial14,723,999 18,433 31,447 29,890 14,803,769 — 
Commercial real estate5,327,481 2,992 — 7,174 5,337,647 3 
Loans to individuals:    
Permanent mortgage2,149,927 6,340 1,494 2,879 2,160,640 36 
Permanent mortgages guaranteed by U.S. government agencies
54,122 25,085 17,053 53,547 149,807 48,201 
Personal1,450,302 2,561 88 154 1,453,105 131 
Total loans to individuals3,654,351 33,986 18,635 56,580 3,763,552 48,368 
Total$23,705,831 $55,411 $50,082 $93,644 $23,904,968 $48,371 
v3.25.0.1
Premises and Equipment and Leases
 12 Months Ended
Dec. 31, 2024
Property, Plant and Equipment [Abstract]  
Premises and Equipment Disclosure [Text Block] Premises and Equipment and Leases
Premises and equipment at December 31, 2024 and 2023 are summarized as follows (in thousands):
 December 31,
 20242023
Land$68,816 $69,121 
Buildings and improvements540,832 525,941 
Software and related integration270,991 219,646 
Furniture and equipment245,796 211,082 
Construction in progress45,422 68,412 
Premises and equipment1,171,857 1,094,202 
Less: Accumulated depreciation537,372 471,979 
Premises and equipment, net of accumulated depreciation$634,485 $622,223 

Depreciation expense of premises and equipment was $68.5 million, $68.7 million, and $68.4 million for the years ended December 31, 2024, 2023, and 2022, 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 market rates.

Right-of-use assets of $213 million at December 31, 2024, and $221 million at December 31, 2023, 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, 2024, undiscounted operating lease liabilities are scheduled to mature as follows (in thousands):

2025$36,324 
202633,508 
202730,813 
202829,390 
202928,360 
Thereafter172,090 
Total undiscounted lease payments330,485 
Less: Interest81,821 
Lease liabilities$248,664 

Operating cash flows from operating leases were $28.6 million, $26.8 million, and $23.3 million for the years ended December 31, 2024, 2023, and 2022, 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,
202420232022
Operating lease expense$26,800 $25,282 $24,520 
Variable lease expense14,962 15,327 12,845 
Finance lease expense3,497 3,592 2,962 
Short-term lease expense447 283 189 

At December 31, 2024, the weighted-average remaining lease term was 9.1 years and the weighted average discount rate on operating leases was 3.4%. At December 31, 2024, the weighted-average remaining lease term was 4.4 years and the weighted-average discount rate on finance leases was 2.7%.

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.
v3.25.0.1
Goodwill and Intangible Assets
 12 Months Ended
Dec. 31, 2024
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,
 20242023
Core deposit premiums$103,200 $103,200 
Less: Accumulated amortization74,654 65,275 
Net core deposit premiums28,546 37,925 
Other identifiable intangible assets51,671 67,151 
Less: Accumulated amortization33,429 45,097 
Net other identifiable intangible assets18,242 22,054 
Total intangible assets, net$46,788 $59,979 
Expected amortization expense for intangible assets that will continue to be amortized (in thousands):
Core
Deposit
Premiums		Other
Identifiable
Intangible Assets		Total
2025$8,675 $1,840 $10,515 
20267,986 1,521 9,507 
20276,956 1,336 8,292 
20284,929 1,044 5,973 
2029— 1,010 1,010 
Thereafter— 11,491 11,491 
Total
$28,546 $18,242 $46,788 

The changes in the carrying value of goodwill by operating segment are as follows (in thousands):
 Commercial BankingConsumer BankingWealth
Management		Funds Management and OtherTotal
Balance, December 31, 2022$910,589 $43,458 $90,702 $— $1,044,749 
Balance, December 31, 2023910,589 43,458 90,702 — 1,044,749 
Balance, December 31, 2024910,589 43,458 90,702 — 1,044,749 

The Company performed its annual impairment assessment of goodwill on October 1, 2024 based on factors including, but not limited to, general economic conditions, financial services industry considerations, regional economic conditions, global health concerns and related medical developments, general BOKF Financial performance, and reporting unit performance. No impairment was indicated for any reporting unit.
v3.25.0.1
Deposits
 12 Months Ended
Dec. 31, 2024
Deposits [Abstract]  
Deposits [Text Block] Deposits
 
Interest expense on deposits is summarized as follows (in thousands):
 
Year Ended December 31,
 202420232022
Transaction deposits$861,538 $540,068 $108,956 
Savings4,845 2,913 489 
Total time159,346 83,616 12,304 
Total$1,025,729 $626,597 $121,749 
 
The aggregate amounts of time deposits in denominations of $250,000 or more at December 31, 2024 and 2023 were $956 million and $1.1 billion, respectively.

Time deposit maturities are as follows: 2025 – $2.4 billion, 2026 – $1.1 billion, 2027 – $67 million, 2028 – $13 million, 2029 – $7.7 million and $6.6 million thereafter. 

The aggregate amount of overdrawn customer transaction deposits that have been reclassified as loan balances was $5.2 million at December 31, 2024 and $5.7 million at December 31, 2023.
v3.25.0.1
Other Borrowed Funds
 12 Months Ended
Dec. 31, 2024
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, 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 debentures1
131,200 6.43 %131,163 7.03 %131,200 
Total other borrowed funds$4,454,179 $7,635,810 5.24 %

 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 debentures1
131,150 6.93 %131,155 6.83 %131,164 
Total other borrowed funds$8,955,450 $8,763,904 5.06 %

As ofYear Ended
December 31, 2022December 31, 2022
BalanceRateAverage BalanceRateMaximum
Outstanding
At Any
Month End
Funds purchased$99,843 0.05 %$266,344 1.12 %$444,069 
Repurchase agreements2,170,534 4.42 %998,701 1.02 %3,034,312 
Other borrowings:
Federal Home Loan Bank advances4,700,000 4.48 %1,593,699 2.37 %4,700,000 
GNMA repurchase liability10,608 4.06 %6,692 4.38 %11,011 
Other26,300 3.20 %28,581 3.12 %30,382 
Total other borrowings4,736,908 1,628,972 2.41 %
Subordinated debentures1
131,205 6.34 %131,206 4.95 %131,230 
Total other borrowed funds$7,138,490 $3,025,223 1.95 %
1 Parent Company only.
Aggregate annual principal repayments at December 31, 2024 are as follows (in thousands):
2025$4,214,262 
2026103,288 
20271,807 
2028— 
2029— 
Thereafter134,822 
Total$4,454,179 

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 available for sale 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 $604 million to secure BOK Financial’s obligations to depositors of public funds. The unused credit available to BOK Financial at December 31, 2024 pursuant to the Federal Home Loan Bank’s collateral policies is $4.3 billion.

As a result of the acquisition of CoBiz Financial in 2018, we obtained $60 million of subordinated debt issued in June 2015 that will mature on June 25, 2030. This debt bears interest at the rate of 5.625% through June 2025 and thereafter, the notes will bear interest at an annual floating rate equal to three-month SOFR plus 0.26% tenor spread adjustment plus 3.17%. The debt contains a call option that allows for repayment prior to contractual maturity. The call option is available on June 25, 2025 and quarterly thereafter at 100% of the principal amount.

Also through CoBiz Financial, we acquired junior subordinated debentures split across three issuance tranches. Junior subordinated debentures of $21 million will mature September 17, 2033 and bear an interest rate of three-month SOFR plus 0.26% tenor spread adjustment plus 2.95% that resets quarterly. Junior subordinated debentures of $31 million will mature on July 23, 2034 and bear an interest rate of three-month SOFR plus 0.26% tenor spread adjustment plus 2.60% that resets quarterly. Junior subordinated debentures of $20 million will mature on September 30, 2035 and bear an interest rate of three-month SOFR plus 0.26% tenor spread adjustment plus 1.45% that resets quarterly. The junior subordinated debentures are subject to early redemption prior to maturity.

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, 2024 and December 31, 2023.

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.
v3.25.0.1
Federal and State Income Taxes
 12 Months Ended
Dec. 31, 2024
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,
20242023
Deferred tax assets:
Available for sale securities mark to market$154,277 $183,723 
Credit loss reserves78,016 76,361 
Lease liability58,399 61,204 
Compensation and employee benefits51,545 47,418 
Unearned fees13,268 12,682 
Other25,918 29,193 
Total deferred tax assets381,423 410,581 
Deferred tax liabilities:
Right-of-use asset49,249 51,943 
Mortgage servicing rights35,464 32,723 
Goodwill and intangibles20,619 21,678 
Depreciation5,878 4,578 
Lease financing9,342 12,148 
Other29,002 17,915 
Total deferred tax liabilities149,554 140,985 
Net deferred tax assets
$231,869 $269,596 

No valuation allowance was necessary on deferred tax assets as of December 31, 2024 and 2023.

The significant components of the provision for income taxes attributable to continuing operations for BOK Financial are shown below (in thousands):
Year Ended December 31,
202420232022
Current income tax expense:
Federal$116,663 $152,600 $127,144 
State18,148 19,298 18,185 
Total current income tax expense134,811 171,898 145,329 
Deferred income tax expense (benefit):
Federal7,632 (17,973)(4,700)
State648 (1,810)(765)
Total deferred income tax expense (benefit)8,280 (19,783)(5,465)
Total income tax expense$143,091 $152,115 $139,864 
The reconciliations of income attributable to continuing operations at the U.S. federal statutory tax rate to income tax expense are as follows (in thousands):
Year Ended December 31,
 202420232022
Amount:  
Federal statutory tax$139,996 $143,482 $138,633 
Tax exempt revenue(6,341)(5,786)(5,714)
State income taxes, net of federal benefit15,055 13,330 13,490 
Tax credits, net of proportional amortization(8,857)(2,673)(8,883)
Other, net3,238 3,762 2,338 
Total income tax expense$143,091 $152,115 $139,864 

Year Ended December 31,
 202420232022
Percent of pretax income:  
Federal statutory tax21.0 %21.0 %21.0 %
Tax exempt revenue(1.0)(0.8)(0.8)
State income taxes, net of federal benefit2.3 2.0 2.0 
Tax credits, net of proportional amortization (1.3)(0.4)(1.4)
Other, net0.5 0.5 0.4 
Total21.5 %22.3 %21.2 %

A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows (in thousands):
202420232022
Balance as of January 1$17,957 $19,583 $21,092 
Additions for tax for current year positions3,397 3,239 3,465 
Lapses of applicable statute of limitations(4,855)(4,865)(4,974)
Balance as of December 31$16,499 $17,957 $19,583 

Of the above unrecognized tax benefits, $13.0 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 2024, $1.6 million for 2023 and $1.8 million for 2022 in interest and penalties. The Company had approximately $5.0 million and $5.7 million accrued for the payment of interest and penalties at December 31, 2024 and 2023, 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.
v3.25.0.1
Employee Benefits
 12 Months Ended
Dec. 31, 2024
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 investments in their accounts to a variety of options, including a BOK Financial common stock fund 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 $35.5 million for 2024, $32.9 million for 2023, and $31.7 million for 2022.
v3.25.0.1
Share-Based Compensation Plans
 12 Months Ended
Dec. 31, 2024
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, 2024:
Restricted StockRestricted Stock Units
 SharesWeighted
Average
Grant Date
Fair Value		UnitsWeighted
Average
Grant Date
Fair Value
Non-vested at January 1, 2022489,554 87,239 
Granted183,809 $108.23 25,416 $103.79 
Vested(139,859)76.80 (61,645)91.38 
Forfeited(40,620)79.60 — — 
Non-vested at December 31, 2022492,884 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 

Compensation expense recognized on non-vested restricted stock totaled $22.5 million for 2024, $14.8 million for 2023, and $9.0 million for 2022. Unrecognized compensation cost of non-vested restricted stock totaled $27.6 million at December 31, 2024. We expect to recognize compensation expense of $17.5 million in 2025, $9.2 million in 2026, and $943 thousand in 2027 on the non-vested shares of restricted stock. Vesting of 261,245 shares of non-vested restricted stock may be increased or decreased based on performance criteria defined in the Plan documents. The fair value of restricted shares vested totaled $10.0 million, $10.3 million, and $15.0 million during the years ended December 31, 2024, 2023, and 2022, respectively.

Compensation expense recognized on non-vested restricted stock units totaled $148 thousand for 2024, $572 thousand for 2023, and $597 thousand for 2022. Compensation cost for restricted stock units is variable based on the current fair value of BOK Financial common shares. Unrecognized compensation cost of non-vested restricted stock units totaled $2.2 million at December 31, 2024. We expect to recognize compensation expense of $1.7 million in 2025, $465 thousand in 2026, and $14 thousand in 2027 on the non-vested restricted stock units. Vesting of 41,477 non-vested restricted stock units may be increased or decreased based on performance criteria defined in the Plan documents. The intrinsic value of share-based liabilities paid in 2024, 2023, and 2022 were $449 thousand, $709 thousand, and $6.3 million, respectively.
v3.25.0.1
Related Parties
 12 Months Ended
Dec. 31, 2024
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,
 20242023
Beginning balance$204,409 $54,479 
Advances1,110,043 1,424,041 
Payments(1,131,474)(1,281,323)
Adjustments1
(1,330)7,212 
Ending balance$181,648 $204,409 
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, 2024, loan commitments and equity investments were limited to $500 million to a single affiliate and $1.0 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, 2024 was $408 thousand, and the total outstanding amounts to all affiliates were $408 thousand. At December 31, 2023, total loan commitments and equity investments to all affiliates were $315 million, and the total outstanding amounts to all affiliates were $1.1 million.

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 $11.5 million in 2024, $11.4 million in 2023, and $10.7 million in 2022. 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 $5.2 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.
v3.25.0.1
Commitments and Contingent Liabilities
 12 Months Ended
Dec. 31, 2024
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 194,597 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"). The Exchange Offer opened on April 8, 2024, and expired on May 3, 2024. The Company tendered all of its 252,233 Visa Class B-1 shares under the Exchange Offer and received 126,116 Visa B-2 shares and 50,053 Visa C shares in return. The Company sold 41,148 Visa C shares and donated 8,905 Visa C shares to the BOKF Foundation.

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 1.543 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 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.

Conversion of the Class B-1 common stock did not reduce our proportionate share of the covered litigation losses which may dilute our remaining Visa B-2 shares if the escrow fund is not adequate to cover final litigation costs.

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 but was reassigned to a new District Judge after the previously assigned Judge took senior status. On September 14, 2016, BOKF, NA was sued in the District Court of Tulsa County, Oklahoma by 19 bondholders also alleging BOKF, NA participated in the fraudulent sale of securities by the principals. The Tulsa County District Court recently granted in part and denied in part BOKF, NA’s motion for partial summary judgment which limits Plaintiffs' damages to "out of pocket losses" restricting the amount of possible damages sought by Plaintiffs at trial. As a result, a settlement has been reached by the parties and the case has been dismissed.

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 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. BOKF, NA estimates that, upon sale of all remaining collateral securing payment of the bonds, approximately $31 million will remain outstanding. A reasonable estimate cannot be made of the amount of any bondholder loss, though the amount of bondholder loss could be material to the Company in the event a loss to the Company becomes probable.

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, 2024, the Company had $412 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 $100 million in unfunded commitments included in Other liabilities on the Consolidated Balance Sheets. At December 31, 2023, the Company had $413 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 Agencies. The net asset value of units in these funds was $1.00 at December 31, 2024. 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 2024 or 2023 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 $631 million for the year ended December 31, 2024 and $717 million for the year ended December 31, 2023.
v3.25.0.1
Shareholders' Equity
 12 Months Ended
Dec. 31, 2024
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 2024, 2023, or 2022.
 
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.
 
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 available for sale 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, 2024 and December 31, 2023.

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, 2024December 31, 2023
Common Equity Tier 1 Capital (to Risk Weighted Assets):
Consolidated4.50%2.50%7.00%N/A$4,992,810 13.03 %$4,683,510 12.06 %
BOKF, NA4.50%N/A4.50%6.50%4,615,811 12.23 %4,370,891 11.37 %
Tier 1 Capital (to Risk Weighted Assets):
Consolidated6.00%2.50%8.50%N/A$4,995,414 13.04 %$4,686,487 12.07 %
BOKF, NA6.00%N/A6.00%8.00%4,615,811 12.23 %4,370,891 11.37 %
Total Capital (to Risk Weighted Assets):
  
Consolidated
8.00%2.50%10.50%N/A$5,445,399 14.21 %$5,110,471 13.16 %
BOKF, NA
8.00%N/A8.00%10.00%4,999,728 13.25 %4,728,876 12.30 %
Leverage (Tier 1 Capital to Average Assets):
Consolidated4.00%N/A4.00%N/A$4,995,414 9.97 %$4,686,487 9.45 %
BOKF, NA4.00%N/A4.00%5.00%4,615,811 9.26 %4,370,891 8.86 %
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 AFSEmployee Benefit PlansTotal
Balance, December 31, 2021$69,775 $— $2,596 $72,371 
Net change in unrealized gain (loss)(1,227,414)— — (1,227,414)
Transfer of net unrealized loss from AFS to investment securities267,509 (267,509)— — 
Reclassification adjustments included in earnings:
Interest revenue, Investment securities— 42,514 — 42,514 
Operating expense, Personnel— — (3,483)(3,483)
Loss on available for sale securities, net971 — — 971 
Other comprehensive income (loss), before income taxes
(958,934)(224,995)(3,483)(1,187,412)
Federal and state income tax(224,541)(52,658)(887)(278,086)
Other comprehensive income (loss), net of income taxes(734,393)(172,337)(2,596)(909,326)
Balance, December 31, 2022(664,618)(172,337)— (836,955)
Net change in unrealized gain (loss)
218,293 — — 218,293 
Reclassification adjustments included in earnings:
Interest revenue, Investment securities— 60,394 — 60,394 
Loss on available for sale securities, net30,636 — — 30,636 
Other comprehensive income (loss), before income taxes
248,929 60,394 — 309,323 
Federal and state income tax57,523 13,945 — 71,468 
Other comprehensive income (loss), net of income taxes191,406 46,449 — 237,855 
Balance, December 31, 2023(473,212)(125,888)— (599,100)
Net change in unrealized gain (loss)
33,461 — — 33,461 
Reclassification adjustments included in earnings:
Interest revenue, Investment securities— 46,020 — 46,020 
Loss on available for sale securities, net45,828 — — 45,828 
Other comprehensive income (loss), before income taxes
79,289 46,020 — 125,309 
Federal and state income tax18,425 10,824 — 29,249 
Other comprehensive income (loss), net of income taxes60,864 35,196 — 96,060 
Balance, December 31, 2024$(412,348)$(90,692)$— $(503,040)
v3.25.0.1
Earnings Per Share
 12 Months Ended
Dec. 31, 2024
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
202420232022
Numerator:  
Net income attributable to BOK Financial Corp. shareholders$523,569 $530,746 $520,273 
Less: Earnings allocated to participating securities4,991 4,253 3,803 
Numerator for basic earnings per share – income available to common shareholders
518,578 526,493 516,470 
Effect of reallocating undistributed earnings of participating securities— — — 
Numerator for diluted earnings per share – income available to common shareholders
$518,578 $526,493 $516,470 
Denominator:  
Weighted average shares outstanding64,348,373 66,184,832 67,706,014 
Less: Participating securities included in weighted average shares outstanding603,285 533,263 493,286 
Denominator for basic earnings per common share63,745,088 65,651,569 67,212,728 
Dilutive effect of employee stock compensation plans— — 7 
Denominator for diluted earnings per common share63,745,088 65,651,569 67,212,735 
Basic earnings per share$8.14 $8.02 $7.68 
Diluted earnings per share$8.14 $8.02 $7.68 
v3.25.0.1
Reportable Segments
 12 Months Ended
Dec. 31, 2024
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 to 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 banking activities. Wealth Management 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. Wealth Management also underwrites state and municipal securities and engages in brokerage and trading activities.

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, 2024, 2023, and 2022.

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.

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 expense189,027 98,667 263,686 551,380 259,859 811,239 
Non-personnel expense1
116,403 127,597 114,551 358,551 195,965 554,516 
Total other operating expense305,430 226,264 378,237 909,931 455,824 1,365,755 
Corporate allocations2
69,997 55,737 57,073 182,807 (182,807)— 
Net income before taxes$653,403 $112,224 $156,781 $922,408 $(255,764)$666,644 
Average assets$21,751,103 $8,112,293 $10,772,189 40,635,585 $10,113,913 $50,749,498 
1     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.
2    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, 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 expense191,765 89,472 250,671 531,908 234,702 766,610 
Non-personnel expense1
124,083 122,642 100,796 347,521 218,750 566,271 
Total other operating expense315,848 212,114 351,467 879,429 453,452 1,332,881 
Corporate allocations2
74,999 48,565 54,401 177,965 (177,965)— 
Net income before taxes$715,586 $106,977 $219,647 $1,042,210 $(358,962)$683,248 
Average assets$21,003,551 $8,040,602 $9,883,180 38,927,333 $9,316,821 $48,244,154 
1     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.
2    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, 2022 is as follows (in thousands):
 CommercialConsumerWealth
Management		Segment TotalFunds Management and Other
BOK
Financial
Corporation
Net interest income from external sources$809,982 $69,646 $137,721 $1,017,349 $194,031 $1,211,380 
Net interest income (expense) from internal sources(159,242)30,911 (16,851)(145,182)145,182 — 
Net interest income650,740 100,557 120,870 872,167 339,213 1,211,380 
Net loans charged off and provision for credit losses17,726 5,260 (175)22,811 7,189 30,000 
Net interest income after provision for credit losses633,014 95,297 121,045 849,356 332,024 1,181,380 
Other operating revenue
239,692 108,873 339,505 688,070 (44,813)643,257 
Personnel expense173,309 87,183 222,892 483,384 187,534 670,918 
Non-personnel expense1
115,934 122,027 88,558 326,519 167,043 493,562 
Total other operating expense289,243 209,210 311,450 809,903 354,577 1,164,480 
Corporate allocations2
67,278 44,965 51,136 163,379 (163,379)— 
Net income before taxes$516,185 $(50,005)$97,964 $564,144 $96,013 $660,157 
Average assets$19,073,248 $8,789,697 $9,879,354 $37,742,299 $9,282,337 $47,024,636 
1     Non-personnel expense includes other segment items comprised of Business promotion, Charitable contributions to BOKF Foundation, Professional fees and services, Net occupancy and equipment, FDIC and other insurance, Data processing and communications, Printing, postage, and supplies, Amortization of intangible assets, Mortgage banking costs, and other miscellaneous expenses.
2    Corporate allocations include centrally managed operational and administrative expenses that are allocated to segments.
v3.25.0.1
Fees and Commission Revenue (Notes)
 12 Months Ended
Dec. 31, 2023
Revenue from Contract with Customer [Abstract]  
Fees and Commissions Revenue [Text Block] Fees and Commissions Revenue
Fees and commissions revenue by reportable segment and primary service line is as follows for the year ended December 31, 2024 (in thousands):
CommercialConsumerWealth ManagementFunds Management and Other
BOK Financial Corporation
Out of Scope1
In Scope2
Trading revenue$— $— $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 
Insurance brokerage revenue
— — — — — — — 
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 $504,580 
1     Out of scope revenue generally relates to financial instruments or contractual rights and obligations within the scope of other applicable accounting guidance.
2    In scope revenue represents revenue subject to FASB ASC Topic 606, Revenue from Contracts with Customers.
Fees and commissions revenue by reportable segment and primary service line is as follows for the year ended December 31, 2022 (in thousands):
CommercialConsumerWealth ManagementFunds Management and Other
BOK Financial Corporation
Out of Scope1
In Scope2
Trading revenue$— $— $20,332 $— $20,332 $20,332 $— 
Customer hedging revenue
34,676 — 1,053 9,987 45,716 45,716 — 
Retail brokerage revenue
— — 16,403 — 16,403 — 16,403 
Insurance brokerage revenue
— — 12,879 — 12,879 — 12,879 
Investment banking revenue
25,048 — 20,600 — 45,648 23,730 21,918 
Brokerage and trading revenue
59,724 — 71,267 9,987 140,978 89,778 51,200 
TransFund EFT network revenue81,097 3,560 (73)6 84,590 — 84,590 
Merchant services revenue12,397 37 — — 12,434 — 12,434 
Corporate card revenue6,440 — 410 392 7,242 — 7,242 
Transaction card revenue99,934 3,597 337 398 104,266 — 104,266 
Personal trust revenue— — 97,373 — 97,373 — 97,373 
Corporate trust revenue— — 23,775 — 23,775 — 23,775 
Institutional trust & retirement plan services revenue
— — 52,106 — 52,106 — 52,106 
Investment management services and other
— — 23,242 (170)23,072 — 23,072 
Fiduciary and asset management revenue
— — 196,496 (170)196,326 — 196,326 
Commercial account service charge revenue
52,779 1,884 1,965 — 56,628 — 56,628 
Overdraft fee revenue115 25,229 77 5 25,426 — 25,426 
Check card revenue
— 23,312 — — 23,312 — 23,312 
Automated service charge and other deposit fee revenue
556 4,612 102 — 5,270 — 5,270 
Deposit service charges and fees
53,450 55,037 2,144 5 110,636 — 110,636 
Mortgage production revenue— (1,838)— — (1,838)(1,838)— 
Mortgage servicing revenue— 53,236 — (2,033)51,203 51,203 — 
Mortgage banking revenue— 51,398 — (2,033)49,365 49,365 — 
Other revenue20,765 11,894 69,294 (46,311)55,642 25,844 29,798 
Total fees and commissions revenue
$233,873 $121,926 $339,538 $(38,124)$657,213 $164,987 $492,226 
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.
v3.25.0.1
Fair Value Measurements
 12 Months Ended
Dec. 31, 2024
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, 2024 and 2023, respectively. Transfers between significant other observable inputs and significant unobservable inputs during the years ended December 31, 2024 and 2023 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, 2024 and 2023.
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, 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. Treasury945 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.
The fair value of financial assets and liabilities that are measured on a recurring basis is as follows as of December 31, 2023 (in thousands):
 TotalQuoted Prices in Active Markets for Identical InstrumentsSignificant Other Observable InputsSignificant Unobservable Inputs
Assets:    
Trading securities:
U.S. government securities$10,959 $9,017 $1,942 $— 
Residential agency mortgage-backed securities5,105,137 — 5,105,137 — 
Municipal securities37,413 — 37,413 — 
Other trading securities39,996 — 39,996 — 
Total trading securities5,193,505 9,017 5,184,488 — 
Available for sale securities:    
U.S. Treasury925 925 — — 
Municipal securities502,833 — 502,833 — 
Residential agency mortgage-backed securities6,834,720 — 6,834,720 — 
Residential non-agency mortgage-backed securities799,877 — 799,877 — 
Commercial agency mortgage-backed securities4,147,853 — 4,147,853 — 
Other debt securities473 — — 473 
Total available for sale securities12,286,681 925 12,285,283 473 
Fair value option securities — Residential agency mortgage-backed securities20,671 — 20,671 — 
Residential mortgage loans held for sale1
56,935 — 49,749 7,186 
Mortgage servicing rights, net2
293,884 — — 293,884 
Derivative contracts, net of cash margin3
410,304 — 410,304 — 
Liabilities: 
Derivative contracts, net of cash margin3
587,473 2,607 584,866 — 
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 77.74% 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 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, available for sale, 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 available for sale 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, 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)
 
 Carrying Value at December 31, 2023Fair Value Adjustments for the Year Ended December 31, 2023 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$— $— $23,225 $3,159 $— 
Real estate and other repossessed assets— 2,116 — — (1,108)

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, 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.



A summary of quantitative information about Non-recurring Fair Value Measurements based on Significant Unobservable Inputs (Level 3) as of December 31, 2023 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$23,225 Discounted cash flowsManagement knowledge of industry and non-real estate collateral.
13% - 90% (88%)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, 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 securities
16,220 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. Treasury945 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 — 
December 31, 2023
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$947,613 $947,613 $947,613 $— $— 
Interest-bearing cash and cash equivalents400,652 400,652 400,652 — — 
Trading securities:
U.S. government securities10,959 10,959 9,017 1,942 — 
Residential agency mortgage-backed securities
5,105,137 5,105,137 — 5,105,137 — 
Municipal securities37,413 37,413 — 37,413 — 
Other trading securities39,996 39,996 — 39,996 — 
Total trading securities5,193,505 5,193,505 9,017 5,184,488 — 
Investment securities:   
Municipal securities120,705 125,525 — 12,305 113,220 
Residential agency mortgage-backed securities
2,092,083 1,917,810 — 1,917,810 — 
Commercial agency mortgage-backed securities15,914 15,067 — 15,067 — 
Other debt securities15,787 14,184 — 14,184 — 
Total investment securities2,244,489 2,072,586 — 1,959,366 113,220 
Allowance for credit losses(336)— — — — 
Investment securities, net of allowance2,244,153 2,072,586 — 1,959,366 113,220 
Available for sale securities:   
U.S. Treasury securities925 925 925 — — 
Municipal securities502,833 502,833 — 502,833 — 
Residential agency mortgage-backed securities
6,834,720 6,834,720 — 6,834,720 — 
Residential non-agency mortgage-backed securities
799,877 799,877 — 799,877 — 
Commercial agency mortgage-backed securities
4,147,853 4,147,853 — 4,147,853 — 
Other debt securities473 473 — — 473 
Total available for sale securities12,286,681 12,286,681 925 12,285,283 473 
Fair value option securities - Residential agency mortgage-backed securities
20,671 20,671 — 20,671 — 
Residential mortgage loans held for sale56,935 56,935 — 49,749 7,186 
Loans:
Commercial14,803,769 14,862,873 — — 14,862,873 
Commercial real estate5,337,647 5,270,657 — — 5,270,657 
Loans to individuals3,763,552 3,634,855 — — 3,634,855 
Total loans23,904,968 23,768,385 — — 23,768,385 
Allowance for loan losses(277,123)— — — — 
Loans, net of allowance23,627,845 23,768,385 — — 23,768,385 
Mortgage servicing rights293,884 293,884 — — 293,884 
Derivative instruments with positive fair value, net of cash margin
410,304 410,304 — 410,304 — 
Deposits with no stated maturity31,007,679 31,007,679 — — 31,007,679 
Time deposits3,012,022 2,993,685 — — 2,993,685 
Other borrowed funds8,824,300 8,824,299 — — 8,824,299 
Subordinated debentures131,150 115,798 — 115,798 — 
Derivative instruments with negative fair value, net of cash margin
587,473 587,473 2,607 584,866 — 

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 mortgage servicing rights and all residential mortgage loans originated for sale at fair value. Changes in the fair value of these financial instruments are recognized in earnings.
v3.25.0.1
Parent Company Only Financial Statements Parent Company Only Financial Statements
 12 Months Ended
Dec. 31, 2024
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,
 20242023
Assets  
Cash and cash equivalents$276,046 $203,808 
Loan to bank subsidiary65,131 65,151 
Investment in bank subsidiary5,130,141 4,785,453 
Investment in non-bank subsidiaries196,199 216,200 
Other assets19,486 17,984 
Total assets$5,687,003 $5,288,596 
Liabilities and Shareholders’ Equity
Liabilities:
Other liabilities$7,450 $15,004 
Subordinated debentures131,200 131,150 
Total liabilities138,650 146,154 
Shareholders’ equity:
Common stock5 5 
Capital surplus1,429,628 1,406,745 
Retained earnings5,592,100 5,211,512 
Treasury stock(970,340)(876,720)
Accumulated other comprehensive loss(503,040)(599,100)
Total shareholders’ equity5,548,353 5,142,442 
Total liabilities and shareholders’ equity$5,687,003 $5,288,596 
Statements of Earnings
(In thousands)
Year Ended December 31,
202420232022
Dividends, interest and fees received from bank subsidiary$304,515 $329,429 $228,689 
Dividends, interest and fees received from non-bank subsidiaries22,151 8,000 43,281 
Other revenue1,286 1,162 1,172 
Total revenue327,952 338,591 273,142 
Interest expense9,216 8,952 6,490 
Other operating expense3,196 5,674 3,005 
Total expense12,412 14,626 9,495 
Net income before taxes, other losses, net, and equity in undistributed income of subsidiaries
315,540 323,965 263,647 
Other gains (losses), net2,112 32,656 (4,279)
Net income before taxes and equity in undistributed income of subsidiaries
317,652 356,621 259,368 
Federal and state income taxes(2,390)5,410 (1,776)
Net income before equity in undistributed income of subsidiaries320,042 351,211 261,144 
Equity in undistributed income of bank subsidiaries226,271 181,487 300,330 
Equity in undistributed income of non-bank subsidiaries(22,744)(1,952)(41,201)
Net income attributable to BOK Financial shareholders
$523,569 $530,746 $520,273 
Statements of Cash Flows
(In thousands)
Year Ended December 31,
 202420232022
Cash Flows From Operating Activities:   
Net income$523,569 $530,746 $520,273 
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed income of bank subsidiaries(226,271)(181,487)(300,330)
Equity in undistributed income of non-bank subsidiaries22,744 1,952 41,201 
Other losses (gains), net(2,112)(32,656)4,279 
Change in other assets963 1,986 1,317 
Change in other liabilities(7,504)13,404 543 
Net cash provided by operating activities311,389 333,945 267,283 
Cash Flows From Investing Activities:
Investment in subsidiaries(2,550)(2,975)(31,552)
Sale of subsidiary— 32,601 — 
Dissolution of subsidiaries— — 2,611 
Net cash provided by (used in) investing activities(2,550)29,626 (28,941)
Cash Flows From Financing Activities:
Issuance of common and treasury stock, net(3,764)(4,941)(4,907)
Dividends paid(142,981)(143,398)(143,800)
Repurchase of common stock(89,856)(176,819)(154,887)
Net cash used in financing activities(236,601)(325,158)(303,594)
Net increase (decrease) in cash and cash equivalents72,238 38,413 (65,252)
Cash and cash equivalents at beginning of period203,808 165,395 230,647 
Cash and cash equivalents at end of period$276,046 $203,808 $165,395 
Cash paid for interest$9,626 $8,479 $6,203 
v3.25.0.1
Subsequent Events
 12 Months Ended
Dec. 31, 2024
Subsequent Events [Abstract]  
Subsequent Events [Text Block] Subsequent Events
The Company evaluated events from the date of the Consolidated Financial Statements on December 31, 2024 through the issuance of those consolidated financial statements included in this Annual Report on Form 10-K. No events were identified requiring recognition in and/or disclosure in the Consolidated Financial Statements.
v3.25.0.1
Pay vs Performance Disclosure - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Pay vs Performance Disclosure      
Net income attributable to BOK Financial Corp. shareholders $ 523,569 $ 530,746 $ 520,273
v3.25.0.1
Insider Trading Arrangements
 3 Months Ended
Dec. 31, 2024
Trading Arrangements, by Individual  
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
v3.25.0.1
Cybersecurity Risk Management and Strategy Disclosure
 12 Months Ended
Dec. 31, 2024
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] 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
v3.25.0.1
Significant Accounting Policies (Policies)
 12 Months Ended
Dec. 31, 2024
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 for each reporting unit is evaluated for impairment annually as of October 1st or more frequently if conditions indicate that impairment may have occurred. The evaluation of possible goodwill impairment involves significant judgment based upon short-term and long-term projections of future performance. Reporting units are defined by the Company as significant lines of business within each operating segment. This definition is consistent with the manner in which the CODM assesses the performance of the Company and makes decisions concerning the allocation of resources.

During the evaluation 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. Reporting unit carrying value includes sufficient capital to exceed regulatory requirements plus goodwill. 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.
•Global health concerns including ongoing pandemics or potential for widespread health issues, the future course of a pandemic and the potential for medical advances.
•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, and 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 compares the fair value of the reporting unit with its carrying value. The fair value of each reporting unit is estimated by the discounted future earnings method. 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. Available for sale 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 available for sale 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 mortgage servicing rights 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 mortgage servicing rights. 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 mortgage servicing rights 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 gain (loss) on assets.

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 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 Loans Commitments [Policy Text Block]
Allowances for Credit Losses and Accrual for Off-balance Sheet Credit Risk from Unfunded Loans 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 that 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 de-recognized 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
 
Mortgage servicing rights may be purchased or may be recognized when mortgage loans are originated and sold with servicing rights retained. All mortgage servicing rights are carried at fair value. Changes in the fair value are recognized in earnings as they occur.

Mortgage servicing rights 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 mortgage servicing rights 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 quarterly 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.

Management evaluates the Company's current tax expense or benefit based upon estimates of 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 we conduct business and adjust recognized income tax expense or benefit to filed tax returns.

Deferred tax assets and liabilities are recognized based upon the 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 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 also 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. Unrecognized tax benefits, including estimated interest and penalties, are assessed quarterly and are part of our current accrued income tax liability. These 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 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. BOK Financial previously sponsored a Pension Plan. Pension Plan benefits were curtailed as of April 1, 2006. At December 31, 2022, the Pension Plan has been terminated, all benefits have been paid and all obligations settled. Prior to termination, BOK Financial recognized the funded status of its Pension Plan and related Plan costs, which were based upon actuarial computations of current costs, were expensed annually. Adjustments required to recognize the Pension Plan's net funded status were made through accumulated other comprehensive income, net of deferred income taxes. See Note 11, "Employee Benefits" for further discussion.
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. The grant date fair value of non-vested shares is based on the then-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 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 TransFund 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 2023-01, Leases (Topic 842): Common Control Arrangements

On March 27, 2023, the FASB issued ASU 2023-01 which, in part, amends the accounting for leasehold improvements in common-control arrangements. Under previous guidance, a lessee is generally required to amortize leasehold improvements that it owns over the shorter of the useful life of those improvements or the lease term. However, due to the nature of leasehold improvements made under leases between entities under common control, ASU 2023-01 requires a lessee in a common-control arrangement to amortize such leasehold improvements that it owns over the improvements' useful lives to the common control group, regardless of the lease term. ASU 2023-01 is effective for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. Adoption of ASU 2023-01 did not have a material impact on the Company's financial statements.
FASB ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures

The FASB issued ASU 2023-07 on November 27, 2023, which is intended to improve reportable segment disclosure requirements. Under previous guidance, while entities were required to disclose segment revenue and measure of profit or loss, there has been limited disclosure around the reporting of segment expenses. In addition to enhanced disclosures about significant segment expenses, the amendments enhance interim disclosure requirements, clarify circumstances in which an entity can disclose multiple segment measures of profit or loss, provide new segment disclosure requirements for entities with a single reportable segment, and contain other disclosure requirements. The purpose of the amendments is to enable investors to better understand an entity’s overall performance and assess potential future cash flows. ASU 2023-07 is effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. The Company has adopted the requirements of the expanded segment disclosures as of December 31, 2024.

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. The Company is currently assessing the impact ASU 2023-09 will have on its income tax disclosures.

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. The Company is evaluating the requirements of ASU 2024-01 and does not expect adoption to 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.
v3.25.0.1
Reclassifications (Policies)
 12 Months Ended
Dec. 31, 2024
Accounting Policies [Abstract]  
Reclassifications [Text Block] Certain prior year amounts have been reclassified to conform to current year presentation.
v3.25.0.1
Securities (Tables)
 12 Months Ended
Dec. 31, 2024
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, 2024December 31, 2023
 Fair ValueNet Unrealized Gain (Loss)Fair ValueNet Unrealized Gain (Loss)
U.S. government securities$21,275 $(60)$10,959 $28 
Residential agency mortgage-backed securities
4,792,695 (37,439)5,105,137 98,124 
Municipal securities62,230 (566)37,413 323 
Other trading securities22,890 33 39,996 160 
Total trading securities$4,899,090 $(38,032)$5,193,505 $98,635 
Investment Securities (Held-to-Maturity) [Table Text Block]
The amortized cost and fair values of investment securities are as follows (in thousands):
 December 31, 2024
 AmortizedCarryingFairGross 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.
 December 31, 2023
 AmortizedCarrying FairGross Unrealized
 Cost
Value1
ValueGainLoss
Municipal securities$120,705 $120,705 $125,525 $5,014 $(194)
Mortgage-backed securities:
Residential agency2,255,340 2,092,083 1,917,810 125 (174,398)
Commercial agency17,258 15,914 15,067 — (847)
Other debt securities15,787 15,787 14,184 — (1,603)
Total investment securities2,409,090 2,244,489 2,072,586 5,139 (177,042)
Allowance for credit losses(336)(336)— — — 
Investment securities, net of allowance$2,408,754 $2,244,153 $2,072,586 $5,139 $(177,042)
1     Carrying value includes $165 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, 2024, 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$19,306 $100,805 $16,851 $13 $136,975 2.65 
Fair value19,350 102,098 15,668 13 137,129  
Residential mortgage-backed securities:      
Carrying value2
    $1,880,473 
Fair value    1,680,800  
Total investment securities:      
Carrying value    $2,017,448  
Fair value    1,817,929  
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 4.7 years based upon current prepayment assumptions.


Temporarily Impaired Investment Securities
(Dollars in thousands)
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 

December 31, 2023
 Number of SecuritiesLess Than 12 Months12 Months or LongerTotal
Fair
Value		Unrealized
Loss		Fair
Value		Unrealized
Loss		Fair
Value		Unrealized
Loss
Investment:       
Municipal securities13 $1,931 $5 $6,600 $189 $8,531 $194 
Mortgage-backed securities:
Residential agency116 — — 1,916,732 174,398 1,916,732 174,398 
Commercial agency2 — — 15,067 847 15,067 847 
Other debt securities3 — — 8,672 1,603 8,672 1,603 
Total investment securities134 $1,931 $5 $1,947,071 $177,037 $1,949,002 $177,042 
Available for Sale Securities [Table Text Block]
The amortized cost and fair value of available for sale securities are as follows (in thousands):
 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)
 December 31, 2023
 AmortizedFairGross Unrealized
 CostValueGainLoss
U.S. Treasury$1,000 $925 $— $(75)
Municipal securities544,707 502,833 1 (41,875)
Mortgage-backed securities:   
Residential agency7,066,645 6,834,720 36,983 (268,908)
Residential non-agency833,535 799,877 12,865 (46,523)
Commercial agency4,456,918 4,147,853 2,972 (312,037)
Other debt securities500 473 — (27)
Total available for sale securities$12,903,305 $12,286,681 $52,821 $(669,445)

The amortized cost and fair values of available for sale securities at December 31, 2024, 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$236,710 $2,469,580 $544,215 $427,988 $3,678,493 4.99 
Fair value234,816 2,290,038 493,883 412,265 3,431,002 
Residential mortgage-backed securities:     
Amortized cost2
    $9,710,442 
Fair value    9,420,598 
Total available for sale securities:
      
Amortized cost    $13,388,935  
Fair value    12,851,600  
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 4.4 years based upon current prepayment assumptions.
Sales of available for sale securities resulted in gains and losses as follows (in thousands):
Year Ended December 31,
 202420232022
Proceeds$839,352 $834,704 $307,481 
Gross realized gains2,257 1,180 5,054 
Gross realized losses(48,085)(31,816)(6,025)
Related federal and state income tax expense (benefit)
(10,779)(7,206)(227)
Debt Securities, Available for Sale, Unrealized Loss Position [Table Text Block]
Temporarily Impaired Available for Sale Securities
(Dollars in thousands)
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 
December 31, 2023
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 $— $— $925 $75 $925 $75 
Municipal securities190 6,799 410 494,955 41,465 501,754 41,875 
Mortgage-backed securities:
     
Residential agency630 690,118 3,689 3,717,975 265,219 4,408,093 268,908 
Residential non-agency32 116,077 1,244 451,370 45,279 567,447 46,523 
Commercial agency
269 392,828 2,626 3,421,757 309,411 3,814,585 312,037 
Other debt securities1 — — 473 27 473 27 
Total available for sale securities1,123 $1,205,822 $7,969 $8,087,455 $661,476 $9,293,277 $669,445 
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, 2024December 31, 2023
 Fair ValueNet Unrealized Gain (Loss)Fair ValueNet Unrealized Gain (Loss)
Residential agency mortgage-backed securities$17,876 $(1,662)$20,671 $(1,406)
v3.25.0.1
Derivatives (Tables)
 12 Months Ended
Dec. 31, 2024
Derivative Instrument Detail [Abstract]  
Derivative Contracts [Table Text Block]
The following table summarizes the fair values of derivative contracts recorded as "derivative contracts" assets and liabilities in the balance sheet 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 
Interest rate 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 
Interest rate 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 table summarizes the fair values of derivative contracts recorded as "derivative contracts" assets and liabilities in the balance sheet at December 31, 2023 (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$2,754,476 $108,450 $(6,810)$101,640 $(94,608)$7,032 
Energy contracts7,846,190 836,425 (399,148)437,277 (169,141)268,136 
Foreign exchange contracts54,999 53,863 — 53,863 (872)52,991 
Equity option contracts3,316 54 — 54 (44)10 
Total customer risk management programs10,658,981 998,792 (405,958)592,834 (264,665)328,169 
Trading16,264,818 118,545 (37,111)81,434 (6,996)74,438 
Internal risk management programs425,014 7,697 — 7,697 — 7,697 
Total derivative contracts$27,348,813 $1,125,034 $(443,069)$681,965 $(271,661)$410,304 
Liabilities
 Notional¹Gross Fair ValueNetting AdjustmentsNet Fair Value Before Cash CollateralCash CollateralFair Value Net of Cash Collateral
Customer risk management programs:   
Interest rate contracts$2,754,476 $108,402 $(6,810)$101,592 $— $101,592 
Energy contracts8,254,004 831,467 (399,148)432,319 (6,441)425,878 
Foreign exchange contracts54,405 53,065 — 53,065 — 53,065 
Equity option contracts3,316 54 — 54 — 54 
Total customer risk management programs11,066,201 992,988 (405,958)587,030 (6,441)580,589 
Trading20,644,156 224,648 (37,111)187,537 (181,917)5,620 
Internal risk management programs2,244 1,264 — 1,264 — 1,264 
Total derivative contracts$31,712,601 $1,218,900 $(443,069)$775,831 $(188,358)$587,473 
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,
202420232022
 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$5,455 $— $5,531 $— $10,690 $— 
Energy contracts21,913 — 30,715 — 34,435 — 
Foreign exchange contracts370 — 276 — 591 — 
Total customer risk management programs27,738 — 36,522 — 45,716 — 
Trading1
149,613 — (139,235)— 48,616 — 
Internal risk management programs
— (22,461)— (9,921)— (73,011)
Total derivative contracts$177,351 $(22,461)$(102,713)$(9,921)$94,332 $(73,011)
v3.25.0.1
Loans and Allowances for Credit Losses (Tables)
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
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, 2024December 31, 2023
Fixed
Rate		Variable
Rate		Non-accrualTotalFixed
Rate		Variable
Rate
Non-
accrual
Total
Commercial$3,450,238 $11,565,251 $14,647 $15,030,136 $3,558,563 $11,135,075 $110,131 $14,803,769 
Commercial real estate
668,532 4,380,015 9,905 5,058,452 791,757 4,538,570 7,320 5,337,647 
Loans to individuals2,620,936 1,383,027 22,173 4,026,136 2,282,914 1,452,620 28,018 3,763,552 
Total$6,739,706 $17,328,293 $46,725 $24,114,724 $6,633,234 $17,126,265 $145,469 $23,904,968 
Foregone interest on nonaccrual loans
$10,061 $7,863 
  
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, 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 

An $18.0 million provision for credit losses was recorded for the year ended December 31, 2024. Improvement in the forecasted economic outlook during the year was offset by the impact of loan growth and some risk grade migration.

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, 2023 is summarized as follows (in thousands):

 CommercialCommercial Real EstateLoans to
Individuals		Total
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 off3,236 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 risk
1,516 (13,051)(407)(11,942)
Ending balance$19,762 $27,439 $1,776 $48,977 
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, 2022 summarized as follows (in thousands):

 CommercialCommercial Real EstateLoans to IndividualsTotal
Allowance for loan losses:    
Beginning balance$162,056 $58,553 $35,812 $256,421 
Provision for loan losses(12,782)(813)14,023 428 
Loans charged off(22,382)(269)(6,095)(28,746)
Recoveries of loans previously charged off
4,694 177 2,730 7,601 
Ending balance$131,586 $57,648 $46,470 $235,704 
Allowance for off-balance sheet credit risk from unfunded loan commitments:    
Beginning balance$13,812 $17,442 $1,723 $32,977 
Provision for off-balance sheet credit losses4,434 23,048 460 27,942 
Ending balance$18,246 $40,490 $2,183 $60,919 

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 


The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2023 is as follows (in thousands):

 Collectively Measured
for General Allowances		Individually Measured
for Specific Allowances		Total
 Recorded InvestmentRelated AllowanceRecorded InvestmentRelated AllowanceRecorded InvestmentRelated
Allowance
Commercial$14,693,638 $138,540 $110,131 $2,692 $14,803,769 $141,232 
Commercial real estate5,330,327 94,718 7,320 — 5,337,647 94,718 
Loans to individuals3,735,534 41,173 28,018 — 3,763,552 41,173 
Total$23,759,499 $274,431 $145,469 $2,692 $23,904,968 $277,123 
  
Schedule of Credit Quality Indicators [Table Text Block]
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 
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 
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 
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.
The following table summarizes the Company's loan portfolio at December 31, 2023 by the risk grade categories and vintage (in thousands):
Origination Year
20232022202120202019PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Commercial:
Healthcare
Pass$650,768 $895,602 $590,736 $409,001 $331,897 $809,858 $281,378 $15 $3,969,255 
Special Mention— — — 21,791 — 31,235 5 — 53,031 
Accruing Substandard— 2,128 18,508 6,911 — 10,896 975 — 39,418 
Nonaccrual— — — 30,290 23,129 28,110 — — 81,529 
Total healthcare650,768 897,730 609,244 467,993 355,026 880,099 282,358 15 4,143,233 
Loans charged off, year-to-date— — — — 2,500 — — — 2,500 
Energy
Pass190,122 100,006 43,769 7,876 9,562 11,583 3,025,590 — 3,388,508 
Special Mention— — — — — — 13,950 — 13,950 
Accruing Substandard— — — — — — 16,800 — 16,800 
Nonaccrual— — — — — 99 17,744 — 17,843 
Total energy190,122 100,006 43,769 7,876 9,562 11,682 3,074,084 — 3,437,101 
Services
Pass900,090 526,776 401,872 228,818 106,112 643,477 730,729 595 3,538,469 
Special Mention— 1,085 1,520 1,341 534 4,522 81 — 9,083 
Accruing Substandard— 13,712 178 326 3,972 3,746 3,108 13 25,055 
Nonaccrual— — 1,635 338 — — 1,643 — 3,616 
Total services900,090 541,573 405,205 230,823 110,618 651,745 735,561 608 3,576,223 
Loans charged off, year-to-date— — 3,060 — — — 2,642 — 5,702 
General business
Pass942,468 436,832 224,735 138,951 101,100 287,744 1,389,128 2,164 3,523,122 
Special Mention10,264 16,167 8,420 1,253 321 8,295 897 — 45,617 
Accruing Substandard4,401 33,194 1,716 27 — — 31,992 — 71,330 
Nonaccrual— 1,134 — — — 48 5,956 5 7,143 
Total general business957,133 487,327 234,871 140,231 101,421 296,087 1,427,973 2,169 3,647,212 
Loans charged off, year-to-date— — 4,598 2 — 48 10 38 4,696 
Total commercial2,698,113 2,026,636 1,293,089 846,923 576,627 1,839,613 5,519,976 2,792 14,803,769 
Commercial real estate:
Pass396,891 1,941,913 1,194,759 416,647 513,555 705,092 136,095 — 5,304,952 
Special Mention— 476 — — — 19,171 — — 19,647 
Accruing Substandard2,992 — 3 — — 2,733 — — 5,728 
Nonaccrual— — — — 7,170 150 — — 7,320 
Total commercial real estate399,883 1,942,389 1,194,762 416,647 520,725 727,146 136,095 — 5,337,647 
Loans charged off, year-to-date— — — — — 8,446 — — 8,446 
Origination Year
20232022202120202019PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Loans to individuals:
Residential mortgage
Pass426,089 320,733 342,927 349,742 54,801 243,356 375,739 23,895 2,137,282 
Special Mention157 140 131 1,361 18 134 2,982 93 5,016 
Accruing Substandard— 150 — — 37 49 50 — 286 
Nonaccrual79 1,419 237 544 344 12,381 2,387 665 18,056 
Total residential mortgage426,325 322,442 343,295 351,647 55,200 255,920 381,158 24,653 2,160,640 
Loans charged off, year-to-date— — 51 4 — 17 — 1 73 
Residential mortgage guaranteed by U.S. government agencies
Pass633 1,788 2,220 4,297 6,441 124,719 — — 140,098 
Nonaccrual— — — 280 375 9,054 — — 9,709 
Total residential mortgage guaranteed by U.S. government agencies
633 1,788 2,220 4,577 6,816 133,773 — — 149,807 
Personal
Pass218,401 229,580 149,291 136,215 75,348 137,629 503,841 145 1,450,450 
Special Mention66 39 106 30 8 — 1,918 3 2,170 
Accruing Substandard— 64 12 9 144 — 3 — 232 
Nonaccrual4 51 9 16 3 12 158 — 253 
Total personal218,471 229,734 149,418 136,270 75,503 137,641 505,920 148 1,453,105 
Loans charged off, year-to-date1
5,636 82 96 43 — 10 6 26 5,899 
Total loans to individuals645,429 553,964 494,933 492,494 137,519 527,334 887,078 24,801 3,763,552 
Total loans$3,743,425 $4,522,989 $2,982,784 $1,756,064 $1,234,871 $3,094,093 $6,543,149 $27,593 $23,904,968 
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, 2024 follows (in thousands): 
 TotalWith No
Allowance		With AllowanceRelated Allowance
Commercial:    
Healthcare$13,717 $13,717 $— $— 
Energy49 49 — — 
Services767 491 276 276 
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 
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, 2023 follows (in thousands):
 TotalWith No
Allowance		With AllowanceRelated Allowance
Commercial:    
Healthcare$81,529 $40,372 $41,157 $1,478 
Energy
17,843 17,843 — — 
Services3,616 1,684 1,932 1,214 
General business7,143 7,143 — — 
Total commercial110,131 67,042 43,089 2,692 
Commercial real estate7,320 7,320 — — 
Loans to individuals:    
Residential mortgage18,056 18,056 — — 
Residential mortgage guaranteed by U.S. government agencies
9,709 9,709 — — 
Personal253 253 — — 
Total loans to individuals28,018 28,018 — — 
Total$145,469 $102,380 $43,089 $2,692 
  
Summary of Loans by Aging Status [Table Text Block]
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 
A summary of loans currently performing and past due as of December 31, 2023 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$4,071,336 $18,019 $30,290 $23,588 $4,143,233 $— 
Services3,575,787 2 — 434 3,576,223 — 
Energy3,437,101 — — — 3,437,101 — 
General business3,639,775 412 1,157 5,868 3,647,212 — 
Total commercial14,723,999 18,433 31,447 29,890 14,803,769 — 
Commercial real estate5,327,481 2,992 — 7,174 5,337,647 3 
Loans to individuals:    
Permanent mortgage2,149,927 6,340 1,494 2,879 2,160,640 36 
Permanent mortgages guaranteed by U.S. government agencies
54,122 25,085 17,053 53,547 149,807 48,201 
Personal1,450,302 2,561 88 154 1,453,105 131 
Total loans to individuals3,654,351 33,986 18,635 56,580 3,763,552 48,368 
Total$23,705,831 $55,411 $50,082 $93,644 $23,904,968 $48,371 
v3.25.0.1
Premises and Equipment and Leases Premises and Equipment and Leases (Tables)
 12 Months Ended
Dec. 31, 2024
Property, Plant and Equipment [Abstract]  
Premises and Equipment [Table Text Block]
Premises and equipment at December 31, 2024 and 2023 are summarized as follows (in thousands):
 December 31,
 20242023
Land$68,816 $69,121 
Buildings and improvements540,832 525,941 
Software and related integration270,991 219,646 
Furniture and equipment245,796 211,082 
Construction in progress45,422 68,412 
Premises and equipment1,171,857 1,094,202 
Less: Accumulated depreciation537,372 471,979 
Premises and equipment, net of accumulated depreciation$634,485 $622,223 
Lessee, Operating Lease, Liability, Maturity [Table Text Block]
At December 31, 2024, undiscounted operating lease liabilities are scheduled to mature as follows (in thousands):

2025$36,324 
202633,508 
202730,813 
202829,390 
202928,360 
Thereafter172,090 
Total undiscounted lease payments330,485 
Less: Interest81,821 
Lease liabilities$248,664 
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,
202420232022
Operating lease expense$26,800 $25,282 $24,520 
Variable lease expense14,962 15,327 12,845 
Finance lease expense3,497 3,592 2,962 
Short-term lease expense447 283 189 
v3.25.0.1
Goodwill and Intangible Assets (Tables)
 12 Months Ended
Dec. 31, 2024
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,
 20242023
Core deposit premiums$103,200 $103,200 
Less: Accumulated amortization74,654 65,275 
Net core deposit premiums28,546 37,925 
Other identifiable intangible assets51,671 67,151 
Less: Accumulated amortization33,429 45,097 
Net other identifiable intangible assets18,242 22,054 
Total intangible assets, net$46,788 $59,979 
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
2025$8,675 $1,840 $10,515 
20267,986 1,521 9,507 
20276,956 1,336 8,292 
20284,929 1,044 5,973 
2029— 1,010 1,010 
Thereafter— 11,491 11,491 
Total
$28,546 $18,242 $46,788 
Schedule of Goodwill [Table Text Block]
The changes in the carrying value of goodwill by operating segment are as follows (in thousands):
 Commercial BankingConsumer BankingWealth
Management		Funds Management and OtherTotal
Balance, December 31, 2022$910,589 $43,458 $90,702 $— $1,044,749 
Balance, December 31, 2023910,589 43,458 90,702 — 1,044,749 
Balance, December 31, 2024910,589 43,458 90,702 — 1,044,749 
v3.25.0.1
Mortgage Banking Activities (Tables)
 12 Months Ended
Dec. 31, 2024
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, 2024December 31, 2023
 Unpaid Principal Balance/
Notional		Fair ValueUnpaid Principal Balance/
Notional		Fair Value
Residential mortgage loans held for sale$77,080 $75,969 $56,922 $56,457 
Residential mortgage loan commitments36,590 1,119 34,783 1,379 
Forward sales contracts82,000 473 75,448 (901)
  $77,561  $56,935 

No residential mortgage loans held for sale were 90 days or more past due or considered impaired as of December 31, 2024 or December 31, 2023. No credit losses were recognized on residential mortgage loans held for sale for the years ended December 31, 2024, 2023 and 2022.
Mortgage Banking Revenue [Table Text Block]
Mortgage banking revenue was as follows (in thousands):
 Year Ended
 202420232022
Production revenue:  
Net realized gain (loss) on sales of mortgage loans$8,271 $(5,021)$7,416 
Net change in unrealized gain (loss) on mortgage loans held for sale(646)538 (4,468)
Net change in the fair value of mortgage loan commitments(260)325 (5,113)
Net change in the fair value of forward sales contracts1,374 (1,181)327 
Total mortgage production revenue8,739 (5,339)(1,838)
Servicing revenue65,368 61,037 51,203 
Total mortgage banking revenue$74,107 $55,698 $49,365 
Summary of Mortgage Servicing Rights [Table Text Block]
The following represents a summary of mortgage servicing rights (dollars in thousands):
December 31,
 202420232022
Number of residential mortgage loans serviced for others125,728 115,967 110,541 
Outstanding principal balance of residential mortgage loans serviced for others$22,269,513 $20,382,192 $18,863,201 
Weighted average interest rate3.73 %3.64 %3.59 %
Remaining contractual term (in months)276280283
Activity in Capitalized Mortgage Servicing Rights [Table Text Block]
Activity in capitalized mortgage servicing rights during the three years ended December 31, 2024 is as follows (in thousands):
Balance, December 31, 2021$163,198 
Additions18,215 
Acquisitions47,675 
Change in fair value due to principal payments(31,741)
Change in fair value due to market assumption changes80,261 
Balance, December 31, 2022277,608 
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, 2024$338,145 
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,
 20242023
Discount rate – risk-free rate plus a market premium9.60%9.72%
Prepayment rate - based upon loan interest rate, original term, and loan type7.09%7.34%
Loan servicing costs – annually per loan based upon loan type:
Performing loans
$73 - $94
$69 - $94
Delinquent loans
$150 - $500
$150 - $500
Loans in foreclosure
$875 - $6,000
$875 - $8,000
Primary/secondary mortgage rate spread
115 bps105 bps
Escrow earnings rate – indexed to rates paid on deposit accounts with a comparable average life4.44%3.90%
Delinquency rate
2.19%2.06%
v3.25.0.1
Deposits (Tables)
 12 Months Ended
Dec. 31, 2024
Deposits [Abstract]  
Interest Expense on Deposits Disclosure [Table Text Block]
Interest expense on deposits is summarized as follows (in thousands):
 
Year Ended December 31,
 202420232022
Transaction deposits$861,538 $540,068 $108,956 
Savings4,845 2,913 489 
Total time159,346 83,616 12,304 
Total$1,025,729 $626,597 $121,749 
v3.25.0.1
Other Borrowed Funds Other Borrowed Funds (Tables)
 12 Months Ended
Dec. 31, 2024
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, 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 debentures1
131,200 6.43 %131,163 7.03 %131,200 
Total other borrowed funds$4,454,179 $7,635,810 5.24 %

 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 debentures1
131,150 6.93 %131,155 6.83 %131,164 
Total other borrowed funds$8,955,450 $8,763,904 5.06 %

As ofYear Ended
December 31, 2022December 31, 2022
BalanceRateAverage BalanceRateMaximum
Outstanding
At Any
Month End
Funds purchased$99,843 0.05 %$266,344 1.12 %$444,069 
Repurchase agreements2,170,534 4.42 %998,701 1.02 %3,034,312 
Other borrowings:
Federal Home Loan Bank advances4,700,000 4.48 %1,593,699 2.37 %4,700,000 
GNMA repurchase liability10,608 4.06 %6,692 4.38 %11,011 
Other26,300 3.20 %28,581 3.12 %30,382 
Total other borrowings4,736,908 1,628,972 2.41 %
Subordinated debentures1
131,205 6.34 %131,206 4.95 %131,230 
Total other borrowed funds$7,138,490 $3,025,223 1.95 %
Schedule of Maturities of Other Borrowed Funds [Table Text Block]
Aggregate annual principal repayments at December 31, 2024 are as follows (in thousands):
2025$4,214,262 
2026103,288 
20271,807 
2028— 
2029— 
Thereafter134,822 
Total$4,454,179 
v3.25.0.1
Federal and State Income Taxes (Tables)
 12 Months Ended
Dec. 31, 2024
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,
20242023
Deferred tax assets:
Available for sale securities mark to market$154,277 $183,723 
Credit loss reserves78,016 76,361 
Lease liability58,399 61,204 
Compensation and employee benefits51,545 47,418 
Unearned fees13,268 12,682 
Other25,918 29,193 
Total deferred tax assets381,423 410,581 
Deferred tax liabilities:
Right-of-use asset49,249 51,943 
Mortgage servicing rights35,464 32,723 
Goodwill and intangibles20,619 21,678 
Depreciation5,878 4,578 
Lease financing9,342 12,148 
Other29,002 17,915 
Total deferred tax liabilities149,554 140,985 
Net deferred tax assets
$231,869 $269,596 
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 are shown below (in thousands):
Year Ended December 31,
202420232022
Current income tax expense:
Federal$116,663 $152,600 $127,144 
State18,148 19,298 18,185 
Total current income tax expense134,811 171,898 145,329 
Deferred income tax expense (benefit):
Federal7,632 (17,973)(4,700)
State648 (1,810)(765)
Total deferred income tax expense (benefit)8,280 (19,783)(5,465)
Total income tax expense$143,091 $152,115 $139,864 
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 (in thousands):
Year Ended December 31,
 202420232022
Amount:  
Federal statutory tax$139,996 $143,482 $138,633 
Tax exempt revenue(6,341)(5,786)(5,714)
State income taxes, net of federal benefit15,055 13,330 13,490 
Tax credits, net of proportional amortization(8,857)(2,673)(8,883)
Other, net3,238 3,762 2,338 
Total income tax expense$143,091 $152,115 $139,864 

Year Ended December 31,
 202420232022
Percent of pretax income:  
Federal statutory tax21.0 %21.0 %21.0 %
Tax exempt revenue(1.0)(0.8)(0.8)
State income taxes, net of federal benefit2.3 2.0 2.0 
Tax credits, net of proportional amortization (1.3)(0.4)(1.4)
Other, net0.5 0.5 0.4 
Total21.5 %22.3 %21.2 %
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):
202420232022
Balance as of January 1$17,957 $19,583 $21,092 
Additions for tax for current year positions3,397 3,239 3,465 
Lapses of applicable statute of limitations(4,855)(4,865)(4,974)
Balance as of December 31$16,499 $17,957 $19,583 
v3.25.0.1
Share-Based Compensation Plans (Tables)
 12 Months Ended
Dec. 31, 2024
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, 2024:
Restricted StockRestricted Stock Units
 SharesWeighted
Average
Grant Date
Fair Value		UnitsWeighted
Average
Grant Date
Fair Value
Non-vested at January 1, 2022489,554 87,239 
Granted183,809 $108.23 25,416 $103.79 
Vested(139,859)76.80 (61,645)91.38 
Forfeited(40,620)79.60 — — 
Non-vested at December 31, 2022492,884 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 
v3.25.0.1
Related Parties Related Parties (Tables)
 12 Months Ended
Dec. 31, 2024
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,
 20242023
Beginning balance$204,409 $54,479 
Advances1,110,043 1,424,041 
Payments(1,131,474)(1,281,323)
Adjustments1
(1,330)7,212 
Ending balance$181,648 $204,409 
1 Adjustments generally consist of changes in status as a related party.
v3.25.0.1
Shareholders' Equity (Tables)
 12 Months Ended
Dec. 31, 2024
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, 2024December 31, 2023
Common Equity Tier 1 Capital (to Risk Weighted Assets):
Consolidated4.50%2.50%7.00%N/A$4,992,810 13.03 %$4,683,510 12.06 %
BOKF, NA4.50%N/A4.50%6.50%4,615,811 12.23 %4,370,891 11.37 %
Tier 1 Capital (to Risk Weighted Assets):
Consolidated6.00%2.50%8.50%N/A$4,995,414 13.04 %$4,686,487 12.07 %
BOKF, NA6.00%N/A6.00%8.00%4,615,811 12.23 %4,370,891 11.37 %
Total Capital (to Risk Weighted Assets):
  
Consolidated
8.00%2.50%10.50%N/A$5,445,399 14.21 %$5,110,471 13.16 %
BOKF, NA
8.00%N/A8.00%10.00%4,999,728 13.25 %4,728,876 12.30 %
Leverage (Tier 1 Capital to Average Assets):
Consolidated4.00%N/A4.00%N/A$4,995,414 9.97 %$4,686,487 9.45 %
BOKF, NA4.00%N/A4.00%5.00%4,615,811 9.26 %4,370,891 8.86 %
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 AFSEmployee Benefit PlansTotal
Balance, December 31, 2021$69,775 $— $2,596 $72,371 
Net change in unrealized gain (loss)(1,227,414)— — (1,227,414)
Transfer of net unrealized loss from AFS to investment securities267,509 (267,509)— — 
Reclassification adjustments included in earnings:
Interest revenue, Investment securities— 42,514 — 42,514 
Operating expense, Personnel— — (3,483)(3,483)
Loss on available for sale securities, net971 — — 971 
Other comprehensive income (loss), before income taxes
(958,934)(224,995)(3,483)(1,187,412)
Federal and state income tax(224,541)(52,658)(887)(278,086)
Other comprehensive income (loss), net of income taxes(734,393)(172,337)(2,596)(909,326)
Balance, December 31, 2022(664,618)(172,337)— (836,955)
Net change in unrealized gain (loss)
218,293 — — 218,293 
Reclassification adjustments included in earnings:
Interest revenue, Investment securities— 60,394 — 60,394 
Loss on available for sale securities, net30,636 — — 30,636 
Other comprehensive income (loss), before income taxes
248,929 60,394 — 309,323 
Federal and state income tax57,523 13,945 — 71,468 
Other comprehensive income (loss), net of income taxes191,406 46,449 — 237,855 
Balance, December 31, 2023(473,212)(125,888)— (599,100)
Net change in unrealized gain (loss)
33,461 — — 33,461 
Reclassification adjustments included in earnings:
Interest revenue, Investment securities— 46,020 — 46,020 
Loss on available for sale securities, net45,828 — — 45,828 
Other comprehensive income (loss), before income taxes
79,289 46,020 — 125,309 
Federal and state income tax18,425 10,824 — 29,249 
Other comprehensive income (loss), net of income taxes60,864 35,196 — 96,060 
Balance, December 31, 2024$(412,348)$(90,692)$— $(503,040)
v3.25.0.1
Earnings Per Share (Tables)
 12 Months Ended
Dec. 31, 2024
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
202420232022
Numerator:  
Net income attributable to BOK Financial Corp. shareholders$523,569 $530,746 $520,273 
Less: Earnings allocated to participating securities4,991 4,253 3,803 
Numerator for basic earnings per share – income available to common shareholders
518,578 526,493 516,470 
Effect of reallocating undistributed earnings of participating securities— — — 
Numerator for diluted earnings per share – income available to common shareholders
$518,578 $526,493 $516,470 
Denominator:  
Weighted average shares outstanding64,348,373 66,184,832 67,706,014 
Less: Participating securities included in weighted average shares outstanding603,285 533,263 493,286 
Denominator for basic earnings per common share63,745,088 65,651,569 67,212,728 
Dilutive effect of employee stock compensation plans— — 7 
Denominator for diluted earnings per common share63,745,088 65,651,569 67,212,735 
Basic earnings per share$8.14 $8.02 $7.68 
Diluted earnings per share$8.14 $8.02 $7.68 
v3.25.0.1
Reportable Segments (Tables)
 12 Months Ended
Dec. 31, 2024
Segment Reporting [Abstract]  
Reportable Segments [Table Text Block]
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 expense189,027 98,667 263,686 551,380 259,859 811,239 
Non-personnel expense1
116,403 127,597 114,551 358,551 195,965 554,516 
Total other operating expense305,430 226,264 378,237 909,931 455,824 1,365,755 
Corporate allocations2
69,997 55,737 57,073 182,807 (182,807)— 
Net income before taxes$653,403 $112,224 $156,781 $922,408 $(255,764)$666,644 
Average assets$21,751,103 $8,112,293 $10,772,189 40,635,585 $10,113,913 $50,749,498 
1     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.
2    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, 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 expense191,765 89,472 250,671 531,908 234,702 766,610 
Non-personnel expense1
124,083 122,642 100,796 347,521 218,750 566,271 
Total other operating expense315,848 212,114 351,467 879,429 453,452 1,332,881 
Corporate allocations2
74,999 48,565 54,401 177,965 (177,965)— 
Net income before taxes$715,586 $106,977 $219,647 $1,042,210 $(358,962)$683,248 
Average assets$21,003,551 $8,040,602 $9,883,180 38,927,333 $9,316,821 $48,244,154 
1     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.
2    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, 2022 is as follows (in thousands):
 CommercialConsumerWealth
Management		Segment TotalFunds Management and Other
BOK
Financial
Corporation
Net interest income from external sources$809,982 $69,646 $137,721 $1,017,349 $194,031 $1,211,380 
Net interest income (expense) from internal sources(159,242)30,911 (16,851)(145,182)145,182 — 
Net interest income650,740 100,557 120,870 872,167 339,213 1,211,380 
Net loans charged off and provision for credit losses17,726 5,260 (175)22,811 7,189 30,000 
Net interest income after provision for credit losses633,014 95,297 121,045 849,356 332,024 1,181,380 
Other operating revenue
239,692 108,873 339,505 688,070 (44,813)643,257 
Personnel expense173,309 87,183 222,892 483,384 187,534 670,918 
Non-personnel expense1
115,934 122,027 88,558 326,519 167,043 493,562 
Total other operating expense289,243 209,210 311,450 809,903 354,577 1,164,480 
Corporate allocations2
67,278 44,965 51,136 163,379 (163,379)— 
Net income before taxes$516,185 $(50,005)$97,964 $564,144 $96,013 $660,157 
Average assets$19,073,248 $8,789,697 $9,879,354 $37,742,299 $9,282,337 $47,024,636 
1     Non-personnel expense includes other segment items comprised of Business promotion, Charitable contributions to BOKF Foundation, Professional fees and services, Net occupancy and equipment, FDIC and other insurance, Data processing and communications, Printing, postage, and supplies, Amortization of intangible assets, Mortgage banking costs, and other miscellaneous expenses.
2    Corporate allocations include centrally managed operational and administrative expenses that are allocated to segments.
v3.25.0.1
Fees and Commission Revenue Fees and Commissions Revenue (Tables)
 12 Months Ended
Dec. 31, 2024
Revenue from Contract with Customer [Abstract]  
Disaggregation of Fees and Commissions Revenue [Table Text Block]
Fees and commissions revenue by reportable segment and primary service line is as follows for the year ended December 31, 2024 (in thousands):
CommercialConsumerWealth ManagementFunds Management and Other
BOK Financial Corporation
Out of Scope1
In Scope2
Trading revenue$— $— $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 
Insurance brokerage revenue
— — — — — — — 
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 $504,580 
1     Out of scope revenue generally relates to financial instruments or contractual rights and obligations within the scope of other applicable accounting guidance.
2    In scope revenue represents revenue subject to FASB ASC Topic 606, Revenue from Contracts with Customers.
Fees and commissions revenue by reportable segment and primary service line is as follows for the year ended December 31, 2022 (in thousands):
CommercialConsumerWealth ManagementFunds Management and Other
BOK Financial Corporation
Out of Scope1
In Scope2
Trading revenue$— $— $20,332 $— $20,332 $20,332 $— 
Customer hedging revenue
34,676 — 1,053 9,987 45,716 45,716 — 
Retail brokerage revenue
— — 16,403 — 16,403 — 16,403 
Insurance brokerage revenue
— — 12,879 — 12,879 — 12,879 
Investment banking revenue
25,048 — 20,600 — 45,648 23,730 21,918 
Brokerage and trading revenue
59,724 — 71,267 9,987 140,978 89,778 51,200 
TransFund EFT network revenue81,097 3,560 (73)6 84,590 — 84,590 
Merchant services revenue12,397 37 — — 12,434 — 12,434 
Corporate card revenue6,440 — 410 392 7,242 — 7,242 
Transaction card revenue99,934 3,597 337 398 104,266 — 104,266 
Personal trust revenue— — 97,373 — 97,373 — 97,373 
Corporate trust revenue— — 23,775 — 23,775 — 23,775 
Institutional trust & retirement plan services revenue
— — 52,106 — 52,106 — 52,106 
Investment management services and other
— — 23,242 (170)23,072 — 23,072 
Fiduciary and asset management revenue
— — 196,496 (170)196,326 — 196,326 
Commercial account service charge revenue
52,779 1,884 1,965 — 56,628 — 56,628 
Overdraft fee revenue115 25,229 77 5 25,426 — 25,426 
Check card revenue
— 23,312 — — 23,312 — 23,312 
Automated service charge and other deposit fee revenue
556 4,612 102 — 5,270 — 5,270 
Deposit service charges and fees
53,450 55,037 2,144 5 110,636 — 110,636 
Mortgage production revenue— (1,838)— — (1,838)(1,838)— 
Mortgage servicing revenue— 53,236 — (2,033)51,203 51,203 — 
Mortgage banking revenue— 51,398 — (2,033)49,365 49,365 — 
Other revenue20,765 11,894 69,294 (46,311)55,642 25,844 29,798 
Total fees and commissions revenue
$233,873 $121,926 $339,538 $(38,124)$657,213 $164,987 $492,226 
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.
v3.25.0.1
Fair Value Measurements (Tables)
 12 Months Ended
Dec. 31, 2024
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, 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. Treasury945 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.
The fair value of financial assets and liabilities that are measured on a recurring basis is as follows as of December 31, 2023 (in thousands):
 TotalQuoted Prices in Active Markets for Identical InstrumentsSignificant Other Observable InputsSignificant Unobservable Inputs
Assets:    
Trading securities:
U.S. government securities$10,959 $9,017 $1,942 $— 
Residential agency mortgage-backed securities5,105,137 — 5,105,137 — 
Municipal securities37,413 — 37,413 — 
Other trading securities39,996 — 39,996 — 
Total trading securities5,193,505 9,017 5,184,488 — 
Available for sale securities:    
U.S. Treasury925 925 — — 
Municipal securities502,833 — 502,833 — 
Residential agency mortgage-backed securities6,834,720 — 6,834,720 — 
Residential non-agency mortgage-backed securities799,877 — 799,877 — 
Commercial agency mortgage-backed securities4,147,853 — 4,147,853 — 
Other debt securities473 — — 473 
Total available for sale securities12,286,681 925 12,285,283 473 
Fair value option securities — Residential agency mortgage-backed securities20,671 — 20,671 — 
Residential mortgage loans held for sale1
56,935 — 49,749 7,186 
Mortgage servicing rights, net2
293,884 — — 293,884 
Derivative contracts, net of cash margin3
410,304 — 410,304 — 
Liabilities: 
Derivative contracts, net of cash margin3
587,473 2,607 584,866 — 
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 77.74% 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 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, 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)
 
 Carrying Value at December 31, 2023Fair Value Adjustments for the Year Ended December 31, 2023 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$— $— $23,225 $3,159 $— 
Real estate and other repossessed assets— 2,116 — — (1,108)
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, 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.



A summary of quantitative information about Non-recurring Fair Value Measurements based on Significant Unobservable Inputs (Level 3) as of December 31, 2023 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$23,225 Discounted cash flowsManagement knowledge of industry and non-real estate collateral.
13% - 90% (88%)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, 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 securities
16,220 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. Treasury945 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 — 
December 31, 2023
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$947,613 $947,613 $947,613 $— $— 
Interest-bearing cash and cash equivalents400,652 400,652 400,652 — — 
Trading securities:
U.S. government securities10,959 10,959 9,017 1,942 — 
Residential agency mortgage-backed securities
5,105,137 5,105,137 — 5,105,137 — 
Municipal securities37,413 37,413 — 37,413 — 
Other trading securities39,996 39,996 — 39,996 — 
Total trading securities5,193,505 5,193,505 9,017 5,184,488 — 
Investment securities:   
Municipal securities120,705 125,525 — 12,305 113,220 
Residential agency mortgage-backed securities
2,092,083 1,917,810 — 1,917,810 — 
Commercial agency mortgage-backed securities15,914 15,067 — 15,067 — 
Other debt securities15,787 14,184 — 14,184 — 
Total investment securities2,244,489 2,072,586 — 1,959,366 113,220 
Allowance for credit losses(336)— — — — 
Investment securities, net of allowance2,244,153 2,072,586 — 1,959,366 113,220 
Available for sale securities:   
U.S. Treasury securities925 925 925 — — 
Municipal securities502,833 502,833 — 502,833 — 
Residential agency mortgage-backed securities
6,834,720 6,834,720 — 6,834,720 — 
Residential non-agency mortgage-backed securities
799,877 799,877 — 799,877 — 
Commercial agency mortgage-backed securities
4,147,853 4,147,853 — 4,147,853 — 
Other debt securities473 473 — — 473 
Total available for sale securities12,286,681 12,286,681 925 12,285,283 473 
Fair value option securities - Residential agency mortgage-backed securities
20,671 20,671 — 20,671 — 
Residential mortgage loans held for sale56,935 56,935 — 49,749 7,186 
Loans:
Commercial14,803,769 14,862,873 — — 14,862,873 
Commercial real estate5,337,647 5,270,657 — — 5,270,657 
Loans to individuals3,763,552 3,634,855 — — 3,634,855 
Total loans23,904,968 23,768,385 — — 23,768,385 
Allowance for loan losses(277,123)— — — — 
Loans, net of allowance23,627,845 23,768,385 — — 23,768,385 
Mortgage servicing rights293,884 293,884 — — 293,884 
Derivative instruments with positive fair value, net of cash margin
410,304 410,304 — 410,304 — 
Deposits with no stated maturity31,007,679 31,007,679 — — 31,007,679 
Time deposits3,012,022 2,993,685 — — 2,993,685 
Other borrowed funds8,824,300 8,824,299 — — 8,824,299 
Subordinated debentures131,150 115,798 — 115,798 — 
Derivative instruments with negative fair value, net of cash margin
587,473 587,473 2,607 584,866 — 
v3.25.0.1
Parent Company Only Financial Statements Parent Company Only Financial Statements (Tables)
 12 Months Ended
Dec. 31, 2024
Condensed Financial Information Disclosure [Abstract]  
Condensed Balance Sheet [Table Text Block]
Balance Sheets
(In thousands)
December 31,
 20242023
Assets  
Cash and cash equivalents$276,046 $203,808 
Loan to bank subsidiary65,131 65,151 
Investment in bank subsidiary5,130,141 4,785,453 
Investment in non-bank subsidiaries196,199 216,200 
Other assets19,486 17,984 
Total assets$5,687,003 $5,288,596 
Liabilities and Shareholders’ Equity
Liabilities:
Other liabilities$7,450 $15,004 
Subordinated debentures131,200 131,150 
Total liabilities138,650 146,154 
Shareholders’ equity:
Common stock5 5 
Capital surplus1,429,628 1,406,745 
Retained earnings5,592,100 5,211,512 
Treasury stock(970,340)(876,720)
Accumulated other comprehensive loss(503,040)(599,100)
Total shareholders’ equity5,548,353 5,142,442 
Total liabilities and shareholders’ equity$5,687,003 $5,288,596 
Condensed Income Statement [Table Text Block]
Statements of Earnings
(In thousands)
Year Ended December 31,
202420232022
Dividends, interest and fees received from bank subsidiary$304,515 $329,429 $228,689 
Dividends, interest and fees received from non-bank subsidiaries22,151 8,000 43,281 
Other revenue1,286 1,162 1,172 
Total revenue327,952 338,591 273,142 
Interest expense9,216 8,952 6,490 
Other operating expense3,196 5,674 3,005 
Total expense12,412 14,626 9,495 
Net income before taxes, other losses, net, and equity in undistributed income of subsidiaries
315,540 323,965 263,647 
Other gains (losses), net2,112 32,656 (4,279)
Net income before taxes and equity in undistributed income of subsidiaries
317,652 356,621 259,368 
Federal and state income taxes(2,390)5,410 (1,776)
Net income before equity in undistributed income of subsidiaries320,042 351,211 261,144 
Equity in undistributed income of bank subsidiaries226,271 181,487 300,330 
Equity in undistributed income of non-bank subsidiaries(22,744)(1,952)(41,201)
Net income attributable to BOK Financial shareholders
$523,569 $530,746 $520,273 
Condensed Cash Flow Statement [Table Text Block]
Statements of Cash Flows
(In thousands)
Year Ended December 31,
 202420232022
Cash Flows From Operating Activities:   
Net income$523,569 $530,746 $520,273 
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed income of bank subsidiaries(226,271)(181,487)(300,330)
Equity in undistributed income of non-bank subsidiaries22,744 1,952 41,201 
Other losses (gains), net(2,112)(32,656)4,279 
Change in other assets963 1,986 1,317 
Change in other liabilities(7,504)13,404 543 
Net cash provided by operating activities311,389 333,945 267,283 
Cash Flows From Investing Activities:
Investment in subsidiaries(2,550)(2,975)(31,552)
Sale of subsidiary— 32,601 — 
Dissolution of subsidiaries— — 2,611 
Net cash provided by (used in) investing activities(2,550)29,626 (28,941)
Cash Flows From Financing Activities:
Issuance of common and treasury stock, net(3,764)(4,941)(4,907)
Dividends paid(142,981)(143,398)(143,800)
Repurchase of common stock(89,856)(176,819)(154,887)
Net cash used in financing activities(236,601)(325,158)(303,594)
Net increase (decrease) in cash and cash equivalents72,238 38,413 (65,252)
Cash and cash equivalents at beginning of period203,808 165,395 230,647 
Cash and cash equivalents at end of period$276,046 $203,808 $165,395 
Cash paid for interest$9,626 $8,479 $6,203 
v3.25.0.1
Significant Accounting Policies Goodwill and Intangible Assets (Details)
Dec. 31, 2024
Minimum [Member]  
Acquired Finite-Lived Intangible Assets [Line Items]  
Finite-Lived Intangible Asset, Useful Life 3 years
Maximum [Member]  
Acquired Finite-Lived Intangible Assets [Line Items]  
Finite-Lived Intangible Asset, Useful Life 20 years
v3.25.0.1
Significant Accounting Policies Cash Equivalents (Details)
 12 Months Ended
Dec. 31, 2024
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
v3.25.0.1
Significant Accounting Policies Loans (Details)
 12 Months Ended
Dec. 31, 2024
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
v3.25.0.1
Significant Accounting Policies Premises and Equipment (Details)
Dec. 31, 2024
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 Software Development Costs [Member] | Minimum [Member]  
Premises and Equipment [Line Items]  
Property, Plant and Equipment, Useful Life 3 years
Software and Software Development Costs [Member] | 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
v3.25.0.1
Significant Accounting Policies Share-Based Compensation (Details) - Restricted Stock [Member]
 12 Months Ended
Dec. 31, 2024
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
v3.25.0.1
Trading Securities (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Schedule of Trading Securities [Line Items]    
Trading securities $ 4,899,090 $ 5,193,505
Trading Securities, Net Unrealized Gain (Loss) (38,032) 98,635
U.S. government securities [Member]    
Schedule of Trading Securities [Line Items]    
Trading securities 21,275 10,959
Trading Securities, Net Unrealized Gain (Loss) (60) 28
Residential agency mortgage-backed securities [Member]    
Schedule of Trading Securities [Line Items]    
Trading securities 4,792,695 5,105,137
Trading Securities, Net Unrealized Gain (Loss) (37,439) 98,124
Municipal securities [Member]    
Schedule of Trading Securities [Line Items]    
Trading securities 62,230 37,413
Trading Securities, Net Unrealized Gain (Loss) (566) 323
Other debt securities [Member]    
Schedule of Trading Securities [Line Items]    
Trading securities 22,890 39,996
Trading Securities, Net Unrealized Gain (Loss) $ 33 $ 160
v3.25.0.1
Investment (Held-to-Maturity) Securities (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Schedule of Investment (Held-to-Maturity) Securities [Line Items]    
Investment securities $ 2,136,029 $ 2,409,090
Debt Securities, Held-to-Maturity, carrying value 2,017,448 [1] 2,244,489 [2]
Debt Securities, Held-to-maturity, Allowance for Credit Loss 223 [1] 336 [2]
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss 2,135,806 2,408,754
Investment securities 2,017,225 [1] 2,244,153 [2]
Investment Securities, fair value 1,817,929 2,072,586
Investment Securities, Gross Unrealized Gain 2,451 5,139
Investment Securities, Gross Unrealized Loss (201,970) (177,042)
Debt Securities, Net Unrealized Loss Remaining in AOCI included in Carrying Value for AFS Securities Transferred to Investment Securities $ (119,000) $ (165,000)
Investment Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]    
Investment Securities, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 141 134
Investment Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Investment Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 14,485 $ 1,931
Investment Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 1,711,624 1,947,071
Investment Securities, Continuous Unrealized Loss Position, Fair Value 1,726,109 1,949,002
Investment Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]    
Investment Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Losses 65 5
Investment Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Losses 201,905 177,037
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss 201,970 177,042
Fixed maturity securities [Member]    
Investment Securities, Debt Maturities, Net, Amortized Cost [Abstract]    
Investment Securities, Debt Maturities, Less than One Year, Net Carrying Value 19,306  
Investment Securities, Debt Maturities, One to Five Years, Net Carrying Value 100,805  
Investment Securities, Debt Maturities, Six to Ten Years, Net Carrying Value 16,851  
Investment Securities, Debt Maturities, Over Ten Years, Net Carrying Value 13  
Investment Securities, Debt Maturities, Single Maturity Date, Carrying Value 136,975  
Investment Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]    
Investment Securities, Debt Maturities, Less than One Year, Fair Value 19,350  
Investment Securities, Debt Maturities, One to Five Years, Fair Value 102,098  
Investment Securities, Debt Maturities, Six to Ten Years, Fair Value 15,668  
Investment Securities, Debt Maturities, Over Ten Years, Fair Value 13  
Investment Securities, Debt Maturities, Single Maturity Date, Fair value $ 137,129  
Investment Securities, Debt Maturities, Weighted Average Maturity [3] 2.65  
Municipal securities [Member]    
Schedule of Investment (Held-to-Maturity) Securities [Line Items]    
Investment securities $ 104,467 120,705
Debt Securities, Held-to-Maturity, carrying value 104,467 [1] 120,705 [2]
Investment Securities, fair value 106,489 125,525
Investment Securities, Gross Unrealized Gain 2,370 5,014
Investment Securities, Gross Unrealized Loss $ (348) $ (194)
Investment Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]    
Investment Securities, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 20 13
Investment Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Investment Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 14,485 $ 1,931
Investment Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 7,107 6,600
Investment Securities, Continuous Unrealized Loss Position, Fair Value 21,592 8,531
Investment Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]    
Investment Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Losses 65 5
Investment Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Losses 283 189
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss 348 194
Residential agency mortgage-backed securities [Member]    
Schedule of Investment (Held-to-Maturity) Securities [Line Items]    
Investment securities 1,998,017 2,255,340
Debt Securities, Held-to-Maturity, carrying value 1,880,473 [1] 2,092,083 [2]
Investment Securities, fair value 1,680,800 1,917,810
Investment Securities, Gross Unrealized Gain 81 125
Investment Securities, Gross Unrealized Loss (199,754) $ (174,398)
Investment Securities, Debt Maturities, Net, Amortized Cost [Abstract]    
Investment Securities, Debt Maturities, without Single Maturity Date, Net Carrying value [4] 1,880,473  
Investment Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]    
Investment Securities, Debt Maturities, without Single Maturity Date, Fair value $ 1,680,800  
Investment Securities, Debt Maturities, Average Expected Life of Mortgage-backed Securities 4 years 8 months 12 days  
Investment Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]    
Investment Securities, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 116 116
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 1,679,889 1,916,732
Investment Securities, Continuous Unrealized Loss Position, Fair Value 1,679,889 1,916,732
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 199,754 174,398
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss 199,754 174,398
Commercial agency mortgage-backed securities [Member]    
Schedule of Investment (Held-to-Maturity) Securities [Line Items]    
Investment securities 17,257 17,258
Debt Securities, Held-to-Maturity, carrying value 16,220 [1] 15,914 [2]
Investment Securities, fair value 15,357 15,067
Investment Securities, Gross Unrealized Gain 0 0
Investment Securities, Gross Unrealized Loss $ (863) $ (847)
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 15,357 15,067
Investment Securities, Continuous Unrealized Loss Position, Fair Value 15,357 15,067
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 863 847
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss 863 847
Other debt securities [Member]    
Schedule of Investment (Held-to-Maturity) Securities [Line Items]    
Investment securities 16,288 15,787
Debt Securities, Held-to-Maturity, carrying value 16,288 [1] 15,787 [2]
Investment Securities, fair value 15,283 14,184
Investment Securities, Gross Unrealized Gain 0 0
Investment Securities, Gross Unrealized Loss $ (1,005) $ (1,603)
Investment Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]    
Investment Securities, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 3 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 9,271 8,672
Investment Securities, Continuous Unrealized Loss Position, Fair Value 9,271 8,672
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 1,005 1,603
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss $ 1,005 $ 1,603
[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.
[2] Carrying value includes $165 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 4.7 years based upon current prepayment assumptions.
v3.25.0.1
Available for Sale Securities (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Dec. 31, 2022
USD ($)
Available for Sale Securities [Line Items]      
Available for sale securities, Amortized Cost $ 13,388,935 $ 12,903,305  
Available for sale securities 12,851,600 12,286,681  
Available for sale securities, Gross Unrealized Gain 29,911 52,821  
Available for sale securities, Gross Unrealized Loss (567,246) (669,445)  
Available for Sale Securities, Realized Gain (Loss) [Abstract]      
Proceeds from sales of available for sale securities 839,352 834,704 $ 307,481
Available for sale securities, Gross realized gains 2,257 1,180 5,054
Available for sale securities, Gross realized losses (48,085) (31,816) (6,025)
Available for sale securities, Related federal and state income tax expense (10,779) (7,206) $ (227)
Asset Pledged as Collateral with Right      
Available for Sale Securities, Realized Gain (Loss) [Abstract]      
Pledged Securities 9,900,000 13,900,000  
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 236,710    
Available for sale securities, Debt Maturities, One to Five Years, Amortized Cost 2,469,580    
Available for sale securities, Debt Maturities, Six to Ten Years, Amortized Cost 544,215    
Available for sale securities, Debt Maturities, Over Ten Years, Amortized Cost 427,988    
Available for sale securities, Maturity, Allocated and Single Maturity Date, Amortized Cost 3,678,493    
Available for Sale Securities, Maturity, Fair Value, Rolling Maturity [Abstract]      
Available for sale securities, Debt Maturities, Less Than One Year, Fair Value 234,816    
Available for sale securities, Debt Maturities, One to Five Years, Fair Value 2,290,038    
Available for sale securities, Debt Maturities, Six to Ten Years, Fair Value 493,883    
Available for sale securities, Debt Maturities, Over Ten Years, Fair Value 412,265    
Available for sale securities, Debt Maturities, Single Maturity Date, Fair value $ 3,431,002    
Available for sale securities, Debt Maturities, Weighted Average Maturity [1] 4.99    
U.S. Treasury [Member]      
Available for Sale Securities [Line Items]      
Available for sale securities, Amortized Cost $ 1,000 1,000  
Available for sale securities 945 925  
Available for sale securities, Gross Unrealized Gain 0 0  
Available for sale securities, Gross Unrealized Loss (55) (75)  
Municipal securities [Member]      
Available for Sale Securities [Line Items]      
Available for sale securities, Amortized Cost 240,528 544,707  
Available for sale securities 225,568 502,833  
Available for sale securities, Gross Unrealized Gain 2 1  
Available for sale securities, Gross Unrealized Loss (14,962) (41,875)  
Commercial agency mortgage-backed securities [Member]      
Available for Sale Securities [Line Items]      
Available for sale securities, Amortized Cost 3,436,465 4,456,918  
Available for sale securities 3,204,016 4,147,853  
Available for sale securities, Gross Unrealized Gain 726 2,972  
Available for sale securities, Gross Unrealized Loss (233,175) (312,037)  
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] 9,710,442    
Available for Sale Securities, Maturity, Fair Value, Rolling Maturity [Abstract]      
Available for sale securities, Debt Maturities, without Single Maturity Date, Fair value $ 9,420,598    
Available for sale securities, Debt Maturities, Average Expected Life of Mortgage-backed Securities 4 years 4 months 24 days    
Residential agency mortgage-backed securities [Member]      
Available for Sale Securities [Line Items]      
Available for sale securities, Amortized Cost $ 8,895,900 7,066,645  
Available for sale securities 8,639,389 6,834,720  
Available for sale securities, Gross Unrealized Gain 17,936 36,983  
Available for sale securities, Gross Unrealized Loss (274,447) (268,908)  
Residential non-agency mortgage-backed securities [Member]      
Available for Sale Securities [Line Items]      
Available for sale securities, Amortized Cost 814,542 833,535  
Available for sale securities 781,209 799,877  
Available for sale securities, Gross Unrealized Gain 11,247 12,865  
Available for sale securities, Gross Unrealized Loss $ (44,580) $ (46,523)  
[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 4.4 years based upon current prepayment assumptions.
v3.25.0.1
Securities Available for sale, Unrealized Loss Position, Fair Value (Details)
$ in Thousands
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Available for sale, Unrealized Loss Position [Line Items]    
Available for sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 1,202 1,123
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 $ 3,846,190 $ 1,205,822
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value 6,381,398 8,087,455
Available for sale securities, Unrealized Loss Position, Fair Value 10,227,588 9,293,277
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 53,117 7,969
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 514,129 661,476
Available for sale securities, Unrealized Loss Position, Accumulated Loss 567,246 $ 669,445
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 945 925
Available for sale securities, Unrealized Loss Position, Fair Value 945 925
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 55 75
Available for sale securities, Unrealized Loss Position, Accumulated Loss $ 55 $ 75
Municipal securities [Member]    
Available for sale, Unrealized Loss Position [Line Items]    
Available for sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 113 190
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 $ 1,041 $ 6,799
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value 222,432 494,955
Available for sale securities, Unrealized Loss Position, Fair Value 223,473 501,754
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 13 410
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 14,949 41,465
Available for sale securities, Unrealized Loss Position, Accumulated Loss $ 14,962 $ 41,875
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 831 630
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 $ 3,561,318 $ 690,118
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value 2,880,641 3,717,975
Available for sale securities, Unrealized Loss Position, Fair Value 6,441,959 4,408,093
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 50,102 3,689
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 224,345 265,219
Available for sale securities, Unrealized Loss Position, Accumulated Loss $ 274,447 $ 268,908
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 36 32
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 $ 93,113 $ 116,077
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value 457,701 451,370
Available for sale securities, Unrealized Loss Position, Fair Value 550,814 567,447
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 1,124 1,244
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 43,456 45,279
Available for sale securities, Unrealized Loss Position, Accumulated Loss $ 44,580 $ 46,523
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 220 269
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 $ 190,718 $ 392,828
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value 2,819,206 3,421,757
Available for sale securities, Unrealized Loss Position, Fair Value 3,009,924 3,814,585
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 1,878 2,626
Available for sale securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 231,297 309,411
Available for sale securities, Unrealized Loss Position, Accumulated Loss $ 233,175 $ 312,037
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
v3.25.0.1
Securities Fair Value Option Securities (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Fair Value Option Securities [Line Items]    
Fair value option securities $ 17,876 $ 20,671
Residential agency mortgage-backed securities [Member]    
Fair Value Option Securities [Line Items]    
Fair value option securities 17,876 20,671
Fair Value Option Securities Unrealized Gain or Loss $ (1,662) $ (1,406)
v3.25.0.1
Derivatives, Fair Value of Derivatives Contracts (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Derivative Assets, Fair Value, Net [Abstract]    
Derivative Assets, Fair Value, Net of Cash Collateral $ 242,809 $ 410,304
Derivative Liabilities, Fair Value, Net [Abstract]    
Derivative Liabilities, Fair Value, Net of Cash Collateral 237,582 587,473
Not Designated as Hedging Instrument [Member]    
Notional Amount of Derivatives [Abstract]    
Derivative Assets, Notional 29,893,977 [1] 27,348,813 [2]
Derivative Liabilities, Notional 25,018,428 [1] 31,712,601 [2]
Derivative Assets, Fair Value, Net [Abstract]    
Derivative Assets, Gross Fair Value 779,821 1,125,034
Derivative Assets, Netting Adjustments (460,985) (443,069)
Derivative Assets, Net Fair Value Before Cash Collateral 318,836 681,965
Derivative Assets, Cash Collateral (76,027) (271,661)
Derivative Assets, Fair Value, Net of Cash Collateral 242,809 410,304
Derivative Liabilities, Fair Value, Net [Abstract]    
Derivative Liabilities, Gross Fair Value 701,259 1,218,900
Derivative Liabilities, Netting Adjustments (460,985) (443,069)
Derivative Liabilities, Net Fair Value Before Cash Collateral 240,274 775,831
Derivative Liabilities, Cash Collateral (2,692) (188,358)
Derivative Liabilities, Fair Value, Net of Cash Collateral 237,582 587,473
Not Designated as Hedging Instrument [Member] | Total customer risk management programs [Member]    
Notional Amount of Derivatives [Abstract]    
Derivative Assets, Notional 10,316,447 [1] 10,658,981 [2]
Derivative Liabilities, Notional 10,219,846 [1] 11,066,201 [2]
Derivative Assets, Fair Value, Net [Abstract]    
Derivative Assets, Gross Fair Value 646,223 998,792
Derivative Assets, Netting Adjustments (404,221) (405,958)
Derivative Assets, Net Fair Value Before Cash Collateral 242,002 592,834
Derivative Assets, Cash Collateral (75,785) (264,665)
Derivative Assets, Fair Value, Net of Cash Collateral 166,217 328,169
Derivative Liabilities, Fair Value, Net [Abstract]    
Derivative Liabilities, Gross Fair Value 609,715 992,988
Derivative Liabilities, Netting Adjustments (404,221) (405,958)
Derivative Liabilities, Net Fair Value Before Cash Collateral 205,494 587,030
Derivative Liabilities, Cash Collateral (1,400) (6,441)
Derivative Liabilities, Fair Value, Net of Cash Collateral 204,094 580,589
Not Designated as Hedging Instrument [Member] | Interest rate contracts [Member]    
Notional Amount of Derivatives [Abstract]    
Derivative Assets, Notional 3,064,418 [1] 2,754,476 [2]
Derivative Liabilities, Notional 3,064,418 [1] 2,754,476 [2]
Derivative Assets, Fair Value, Net [Abstract]    
Derivative Assets, Gross Fair Value 82,191 108,450
Derivative Assets, Netting Adjustments (5,369) (6,810)
Derivative Assets, Net Fair Value Before Cash Collateral 76,822 101,640
Derivative Assets, Cash Collateral (71,485) (94,608)
Derivative Assets, Fair Value, Net of Cash Collateral 5,337 7,032
Derivative Liabilities, Fair Value, Net [Abstract]    
Derivative Liabilities, Gross Fair Value 82,141 108,402
Derivative Liabilities, Netting Adjustments (5,369) (6,810)
Derivative Liabilities, Net Fair Value Before Cash Collateral 76,772 101,592
Derivative Liabilities, Cash Collateral 0 0
Derivative Liabilities, Fair Value, Net of Cash Collateral 76,772 101,592
Not Designated as Hedging Instrument [Member] | Energy contracts [Member]    
Notional Amount of Derivatives [Abstract]    
Derivative Assets, Notional 7,169,926 [1] 7,846,190 [2]
Derivative Liabilities, Notional 7,076,929 [1] 8,254,004 [2]
Derivative Assets, Fair Value, Net [Abstract]    
Derivative Assets, Gross Fair Value 521,032 836,425
Derivative Assets, Netting Adjustments (398,457) (399,148)
Derivative Assets, Net Fair Value Before Cash Collateral 122,575 437,277
Derivative Assets, Cash Collateral (3,816) (169,141)
Derivative Assets, Fair Value, Net of Cash Collateral 118,759 268,136
Derivative Liabilities, Fair Value, Net [Abstract]    
Derivative Liabilities, Gross Fair Value 488,113 831,467
Derivative Liabilities, Netting Adjustments (398,457) (399,148)
Derivative Liabilities, Net Fair Value Before Cash Collateral 89,656 432,319
Derivative Liabilities, Cash Collateral (1,020) (6,441)
Derivative Liabilities, Fair Value, Net of Cash Collateral 88,636 425,878
Not Designated as Hedging Instrument [Member] | Foreign exchange contracts [Member]    
Notional Amount of Derivatives [Abstract]    
Derivative Assets, Notional 80,510 [1] 54,999 [2]
Derivative Liabilities, Notional 76,906 [1] 54,405 [2]
Derivative Assets, Fair Value, Net [Abstract]    
Derivative Assets, Gross Fair Value 42,792 53,863
Derivative Assets, Netting Adjustments (395) 0
Derivative Assets, Net Fair Value Before Cash Collateral 42,397 53,863
Derivative Assets, Cash Collateral (434) (872)
Derivative Assets, Fair Value, Net of Cash Collateral 41,963 52,991
Derivative Liabilities, Fair Value, Net [Abstract]    
Derivative Liabilities, Gross Fair Value 39,253 53,065
Derivative Liabilities, Netting Adjustments (395) 0
Derivative Liabilities, Net Fair Value Before Cash Collateral 38,858 53,065
Derivative Liabilities, Cash Collateral (380) 0
Derivative Liabilities, Fair Value, Net of Cash Collateral 38,478 53,065
Not Designated as Hedging Instrument [Member] | Equity option contracts [Member]    
Notional Amount of Derivatives [Abstract]    
Derivative Assets, Notional 1,593 [1] 3,316 [2]
Derivative Liabilities, Notional 1,593 [1] 3,316 [2]
Derivative Assets, Fair Value, Net [Abstract]    
Derivative Assets, Gross Fair Value 208 54
Derivative Assets, Netting Adjustments 0 0
Derivative Assets, Net Fair Value Before Cash Collateral 208 54
Derivative Assets, Cash Collateral (50) (44)
Derivative Assets, Fair Value, Net of Cash Collateral 158 10
Derivative Liabilities, Fair Value, Net [Abstract]    
Derivative Liabilities, Gross Fair Value 208 54
Derivative Liabilities, Netting Adjustments 0 0
Derivative Liabilities, Net Fair Value Before Cash Collateral 208 54
Derivative Liabilities, Cash Collateral 0 0
Derivative Liabilities, Fair Value, Net of Cash Collateral 208 54
Not Designated as Hedging Instrument [Member] | Trading [Member]    
Notional Amount of Derivatives [Abstract]    
Derivative Assets, Notional 19,577,362 [1] 16,264,818 [2]
Derivative Liabilities, Notional 14,196,406 [1] 20,644,156 [2]
Derivative Assets, Fair Value, Net [Abstract]    
Derivative Assets, Gross Fair Value 132,581 118,545
Derivative Assets, Netting Adjustments (56,764) (37,111)
Derivative Assets, Net Fair Value Before Cash Collateral 75,817 81,434
Derivative Assets, Cash Collateral (242) (6,996)
Derivative Assets, Fair Value, Net of Cash Collateral 75,575 74,438
Derivative Liabilities, Fair Value, Net [Abstract]    
Derivative Liabilities, Gross Fair Value 87,082 224,648
Derivative Liabilities, Netting Adjustments (56,764) (37,111)
Derivative Liabilities, Net Fair Value Before Cash Collateral 30,318 187,537
Derivative Liabilities, Cash Collateral (1,292) (181,917)
Derivative Liabilities, Fair Value, Net of Cash Collateral 29,026 5,620
Not Designated as Hedging Instrument [Member] | Internal risk management programs [Member]    
Notional Amount of Derivatives [Abstract]    
Derivative Assets, Notional 168 [1] 425,014 [2]
Derivative Liabilities, Notional 602,176 [1] 2,244 [2]
Derivative Assets, Fair Value, Net [Abstract]    
Derivative Assets, Gross Fair Value 1,017 7,697
Derivative Assets, Netting Adjustments 0 0
Derivative Assets, Net Fair Value Before Cash Collateral 1,017 7,697
Derivative Assets, Cash Collateral 0 0
Derivative Assets, Fair Value, Net of Cash Collateral 1,017 7,697
Derivative Liabilities, Fair Value, Net [Abstract]    
Derivative Liabilities, Gross Fair Value 4,462 1,264
Derivative Liabilities, Netting Adjustments 0 0
Derivative Liabilities, Net Fair Value Before Cash Collateral 4,462 1,264
Derivative Liabilities, Cash Collateral 0 0
Derivative Liabilities, Fair Value, Net of Cash Collateral $ 4,462 $ 1,264
[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.
v3.25.0.1
Derivatives, Derivatives Instruments Gain (Loss) in Income Statement (Details) - Not Designated as Hedging Instrument [Member] - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Trading Activity, Gains and Losses, Net [Line Items]      
Brokerage and Trading Revenue $ 177,351 $ (102,713) $ 94,332
Gain (Loss) on Derivatives, Net (22,461) (9,921) (73,011)
Total customer risk management programs [Member]      
Trading Activity, Gains and Losses, Net [Line Items]      
Brokerage and Trading Revenue 27,738 36,522 45,716
Gain (Loss) on Derivatives, Net 0 0 0
Interest rate contracts [Member]      
Trading Activity, Gains and Losses, Net [Line Items]      
Brokerage and Trading Revenue 5,455 5,531 10,690
Gain (Loss) on Derivatives, Net 0 0 0
Energy contracts [Member]      
Trading Activity, Gains and Losses, Net [Line Items]      
Brokerage and Trading Revenue 21,913 30,715 34,435
Gain (Loss) on Derivatives, Net 0 0 0
Foreign exchange contracts [Member]      
Trading Activity, Gains and Losses, Net [Line Items]      
Brokerage and Trading Revenue 370 276 591
Gain (Loss) on Derivatives, Net 0 0 0
Trading [Member]      
Trading Activity, Gains and Losses, Net [Line Items]      
Brokerage and Trading Revenue [1] 149,613 (139,235) 48,616
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 $ (22,461) $ (9,921) $ (73,011)
[1] Includes changes in fair value of to-be-announced U.S. agency residential mortgage-backed securities and other derivative instruments offered to mortgage banking customers to manage their market risk or held to mitigate market risk of trading securities portfolio, which is offset by changes in fair value of trading securities also included in Brokerage and trading revenue in the Consolidated Statements of Earnings.
v3.25.0.1
Loans and Allowances for Credit Losses, Loans by Portfolio Segment (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Loans receivables disclosure [Abstract]    
Loans, fixed rate of interest $ 6,739,706 $ 6,633,234
Loans, variable rate of interest 17,328,293 17,126,265
Financing Receivable, Nonaccrual (46,725) (145,469)
Total 24,114,724 23,904,968
Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans 10,061 7,863
Credit Commitments [Abstract]    
Outstanding commitments to extend credit 14,700,000  
Outstanding commercial letters of credit 703,000  
Geographic Concentration Risk [Member] | Texas [Member]    
Loans receivables disclosure [Abstract]    
Total $ 7,800,000 $ 7,600,000
Loans receivable, other information [Abstract]    
Percentage of loan portfolio secured by property in Texas (in hundredths) 32.00% 32.00%
Geographic Concentration Risk [Member] | Oklahoma [Member]    
Loans receivables disclosure [Abstract]    
Total $ 3,700,000 $ 3,300,000
Loans receivable, other information [Abstract]    
Percentage of loan portfolio secured by property in Oklahoma (in hundredths) 15.00% 14.00%
Geographic Concentration Risk [Member] | Colorado [Member]    
Loans receivables disclosure [Abstract]    
Total $ 2,900,000 $ 2,700,000
Loans receivable, other information [Abstract]    
Percentage of loan portfolio secured by property in Colorado (in hundredths) 12.00% 11.00%
Commercial [Member]    
Loans receivables disclosure [Abstract]    
Loans, fixed rate of interest $ 3,450,238 $ 3,558,563
Loans, variable rate of interest 11,565,251 11,135,075
Financing Receivable, Nonaccrual (14,647) (110,131)
Total 15,030,136 14,803,769
Commercial [Member] | Geographic Concentration Risk [Member] | Texas [Member]    
Loans receivables disclosure [Abstract]    
Total $ 5,000,000 $ 4,800,000
Loans receivable, other information [Abstract]    
Percentage of loan portfolio secured by property in Texas (in hundredths) 34.00% 33.00%
Commercial [Member] | Geographic Concentration Risk [Member] | Oklahoma [Member]    
Loans receivables disclosure [Abstract]    
Total $ 2,300,000 $ 1,800,000
Loans receivable, other information [Abstract]    
Percentage of loan portfolio secured by property in Oklahoma (in hundredths) 15.00% 12.00%
Commercial [Member] | Geographic Concentration Risk [Member] | Colorado [Member]    
Loans receivables disclosure [Abstract]    
Total $ 1,700,000 $ 1,800,000
Loans receivable, other information [Abstract]    
Percentage of loan portfolio secured by property in Colorado (in hundredths) 12.00% 12.00%
Commercial [Member] | Healthcare [Member]    
Loans receivables disclosure [Abstract]    
Total $ 3,967,533 $ 4,143,233
Commercial [Member] | Healthcare [Member] | Credit Concentration Risk [Member]    
Loans receivables disclosure [Abstract]    
Total $ 4,000,000 $ 4,100,000
Loans receivable, other information [Abstract]    
Percentage of loan class to total loans 16.00% 17.00%
Commercial [Member] | Services [Member]    
Loans receivables disclosure [Abstract]    
Total $ 3,643,203 $ 3,576,223
Commercial [Member] | Services [Member] | Credit Concentration Risk [Member]    
Loans receivables disclosure [Abstract]    
Total $ 3,600,000 $ 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 $ 3,254,724 $ 3,437,101
Commercial [Member] | Energy [Member] | Credit Concentration Risk [Member]    
Loans receivables disclosure [Abstract]    
Total $ 3,300,000 $ 3,400,000
Loans receivable, other information [Abstract]    
Percentage of loan class to total loans 13.00% 14.00%
Commercial [Member] | Energy Producers [Member] | Credit Concentration Risk [Member]    
Loans receivables disclosure [Abstract]    
Total $ 2,600,000 $ 2,700,000
Loans receivable, other information [Abstract]    
Percentage of committed energy production loans secured by oil 70.00% 69.00%
Percentage of committed energy production loans secured by natural gas 30.00% 31.00%
Commercial [Member] | General business [Member]    
Loans receivables disclosure [Abstract]    
Total $ 4,164,676 $ 3,647,212
Commercial [Member] | General business [Member] | Credit Concentration Risk [Member]    
Loans receivables disclosure [Abstract]    
Total $ 4,200,000  
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 $ 668,532 791,757
Loans, variable rate of interest 4,380,015 4,538,570
Financing Receivable, Nonaccrual (9,905) (7,320)
Total $ 5,058,452 $ 5,337,647
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) 29.00% 31.00%
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 $ 2,620,936 $ 2,282,914
Loans, variable rate of interest 1,383,027 1,452,620
Financing Receivable, Nonaccrual (22,173) (28,018)
Total $ 4,026,136 $ 3,763,552
Loans receivable, other information [Abstract]    
Percentage of personal loans secured by collateral in our geographical footprint 90.00%  
v3.25.0.1
Loans and Allowances for Credit Losses, Activity in Allowance for Credit Losses (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Allowance for loan losses [Roll Forward]      
Beginning balance $ 277,123 $ 235,704 $ 256,421
Financing Receivable, Excluding Accrued Interest, Credit Loss Expense (Reversal) 15,791 59,518 428
Loans charged off (18,835) (27,316) (28,746)
Recoveries of loans previously charged off 5,956 9,217 7,601
Ending balance 280,035 277,123 235,704
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]      
Beginning Balance 48,977 60,919 32,977
Provision for off-balance sheet credit risk 2,663 (11,942) 27,942
Ending Balance 51,640 48,977 60,919
Provision Details [Abstract]      
Total provision for credit losses 18,000 46,000 30,000
Recorded investment [Abstract]      
Collectively measured for impairment, recorded investment 24,067,999 23,759,499  
Individually measured for impairment, recorded investment 46,725 145,469  
Total 24,114,724 23,904,968  
Related allowance [Abstract]      
Collectively measured for impairment, related allowance 279,759 274,431  
Individually measured for impairment, related allowance 276 2,692  
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest 280,035 277,123 235,704
Commercial [Member]      
Allowance for loan losses [Roll Forward]      
Beginning balance 141,232 131,586 162,056
Financing Receivable, Excluding Accrued Interest, Credit Loss Expense (Reversal) 12,614 19,308 (12,782)
Loans charged off (11,763) (12,898) (22,382)
Recoveries of loans previously charged off 3,070 3,236 4,694
Ending balance 145,153 141,232 131,586
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]      
Beginning Balance 19,762 18,246 13,812
Provision for off-balance sheet credit risk (1,716) 1,516 4,434
Ending Balance 18,046 19,762 18,246
Recorded investment [Abstract]      
Collectively measured for impairment, recorded investment 15,015,489 14,693,638  
Individually measured for impairment, recorded investment 14,647 110,131  
Total 15,030,136 14,803,769  
Related allowance [Abstract]      
Collectively measured for impairment, related allowance 144,877 138,540  
Individually measured for impairment, related allowance 276 2,692  
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest 145,153 141,232 131,586
Commercial real estate [Member]      
Allowance for loan losses [Roll Forward]      
Beginning balance 94,718 57,648 58,553
Financing Receivable, Excluding Accrued Interest, Credit Loss Expense (Reversal) (2,481) 42,151 (813)
Loans charged off (1,455) (8,446) (269)
Recoveries of loans previously charged off 290 3,365 177
Ending balance 91,072 94,718 57,648
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]      
Beginning Balance 27,439 40,490 17,442
Provision for off-balance sheet credit risk 4,520 (13,051) 23,048
Ending Balance 31,959 27,439 40,490
Recorded investment [Abstract]      
Collectively measured for impairment, recorded investment 5,048,547 5,330,327  
Individually measured for impairment, recorded investment 9,905 7,320  
Total 5,058,452 5,337,647  
Related allowance [Abstract]      
Collectively measured for impairment, related allowance 91,072 94,718  
Individually measured for impairment, related allowance 0 0  
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest 91,072 94,718 57,648
Loans to individuals [Member]      
Allowance for loan losses [Roll Forward]      
Beginning balance 41,173 46,470 35,812
Financing Receivable, Excluding Accrued Interest, Credit Loss Expense (Reversal) 5,658 (1,941) 14,023
Loans charged off (5,617) (5,972) (6,095)
Recoveries of loans previously charged off 2,596 2,616 2,730
Ending balance 43,810 41,173 46,470
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]      
Beginning Balance 1,776 2,183 1,723
Provision for off-balance sheet credit risk (141) (407) 460
Ending Balance 1,635 1,776 2,183
Recorded investment [Abstract]      
Collectively measured for impairment, recorded investment 4,003,963 3,735,534  
Individually measured for impairment, recorded investment 22,173 28,018  
Total 4,026,136 3,763,552  
Related allowance [Abstract]      
Collectively measured for impairment, related allowance 43,810 41,173  
Individually measured for impairment, related allowance 0 0  
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest $ 43,810 $ 41,173 $ 46,470
v3.25.0.1
Loans and Allowances for Credit Losses, Credit Quality Indicators (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year $ 3,279,975 $ 3,743,425  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 2,873,863 4,522,989  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 4,270,179 2,982,784  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 2,359,227 1,756,064  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 1,369,849 1,234,871  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 2,993,779 3,094,093  
Financing Receivable, Excluding Accrued Interest, Revolving 6,938,929 6,543,149  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 28,923 27,593  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 24,114,724 23,904,968  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 18,835 27,316 $ 28,746
Commercial [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 2,067,074 2,698,113  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 1,866,895 2,026,636  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 1,751,617 1,293,089  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 1,095,279 846,923  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 709,743 576,627  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 1,653,117 1,839,613  
Financing Receivable, Excluding Accrued Interest, Revolving 5,883,625 5,519,976  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 2,786 2,792  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 15,030,136 14,803,769  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 11,763 12,898 22,382
Commercial [Member] | Healthcare [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 539,305 650,768  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 597,283 897,730  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 966,286 609,244  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 497,918 467,993  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 395,743 355,026  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 719,305 880,099  
Financing Receivable, Excluding Accrued Interest, Revolving 251,683 282,358  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 10 15  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 3,967,533 4,143,233  
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 2,500  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 7,240 0  
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 7,240 2,500  
Commercial [Member] | Energy [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 148,972 190,122  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 46,094 100,006  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 39,050 43,769  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 2,621 7,876  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 6,488 9,562  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 17,038 11,682  
Financing Receivable, Excluding Accrued Interest, Revolving 2,994,461 3,074,084  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 3,254,724 3,437,101  
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff 0    
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 0    
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 0    
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 0    
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 0    
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 0    
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 226    
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff 0    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 226    
Commercial [Member] | Services [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 629,978 900,090  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 629,968 541,573  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 431,168 405,205  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 406,506 230,823  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 188,541 110,618  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 590,321 651,745  
Financing Receivable, Excluding Accrued Interest, Revolving 765,942 735,561  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 779 608  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 3,643,203 3,576,223  
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 3,060  
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 22 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 80 0  
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 9 2,642  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 111 5,702  
Commercial [Member] | General business [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 748,819 957,133  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 593,550 487,327  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 315,113 234,871  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 188,234 140,231  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 118,971 101,421  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 326,453 296,087  
Financing Receivable, Excluding Accrued Interest, Revolving 1,871,539 1,427,973  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 1,997 2,169  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 4,164,676 3,647,212  
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 27 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 1,465 4,598  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 0 2  
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 166 48  
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 2,425 10  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff 103 38  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 4,186 4,696  
Commercial real estate [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 436,206 399,883  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 512,927 1,942,389  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 2,056,446 1,194,762  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 825,292 416,647  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 233,619 520,725  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 852,655 727,146  
Financing Receivable, Excluding Accrued Interest, Revolving 141,307 136,095  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 5,058,452 5,337,647  
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 1,455 8,446  
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 1,455 8,446 269
Loans to individuals [Member]      
Financing Receivable, Credit Quality Indicator Line Items [Abstract]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 776,695 645,429  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 494,041 553,964  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 462,116 494,933  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 438,656 492,494  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 426,487 137,519  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 488,007 527,334  
Financing Receivable, Excluding Accrued Interest, Revolving 913,997 887,078  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 26,137 24,801  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 4,026,136 3,763,552  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 5,617 5,972 $ 6,095
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 530,431 426,325  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 340,112 322,442  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 288,166 343,295  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 319,676 351,647  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 315,397 55,200  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 217,829 255,920  
Financing Receivable, Excluding Accrued Interest, Revolving 401,829 381,158  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 23,518 24,653  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 2,436,958 2,160,640  
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 43 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 0 51  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 0 4  
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 18 17  
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 10 0  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff 0 1  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 71 73  
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 462 633  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 4,337 1,788  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 6,618 2,220  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 2,432 4,577  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 3,786 6,816  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 119,014 133,773  
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 136,649 149,807  
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 245,802 218,471  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 149,592 229,734  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 167,332 149,418  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 116,548 136,270  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 107,304 75,503  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 151,164 137,641  
Financing Receivable, Excluding Accrued Interest, Revolving 512,168 505,920  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 2,619 148  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 1,452,529 1,453,105  
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff [1] 5,269 5,636  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff [1] 69 82  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff [1] 101 96  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff [1] 52 43  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff [1] 9 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff [1] 0 10  
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff [1] 26 6  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff [1] 20 26  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss [1] 5,546 5,899  
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 539,305 650,768  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 544,103 895,602  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 896,042 590,736  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 481,816 409,001  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 344,609 331,897  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 644,441 809,858  
Financing Receivable, Excluding Accrued Interest, Revolving 249,793 281,378  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 10 15  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 3,700,119 3,969,255  
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 15,000 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 64,895 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 110 21,791  
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 32,555 31,235  
Financing Receivable, Excluding Accrued Interest, Revolving 255 5  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 112,815 53,031  
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 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 38,180 2,128  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 5,253 18,508  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 15,529 6,911  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 51,134 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 29,151 10,896  
Financing Receivable, Excluding Accrued Interest, Revolving 1,635 975  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 140,882 39,418  
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 148,972 190,122  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 46,094 100,006  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 39,050 43,769  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 2,621 7,876  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 6,488 9,562  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 16,989 11,583  
Financing Receivable, Excluding Accrued Interest, Revolving 2,985,161 3,025,590  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 3,245,375 3,388,508  
Performing [Member] | Commercial [Member] | Energy [Member] | Special Mention [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   13,950  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan   0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss   13,950  
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 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 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving 9,300 16,800  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 9,300 16,800  
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 629,978 900,090  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 625,969 526,776  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 422,015 401,872  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 404,949 228,818  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 187,324 106,112  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 570,775 643,477  
Financing Receivable, Excluding Accrued Interest, Revolving 745,853 730,729  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 379 595  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 3,587,242 3,538,469  
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 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 3,324 1,085  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 123 1,520  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 1,537 1,341  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 534  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 11,796 4,522  
Financing Receivable, Excluding Accrued Interest, Revolving 17,923 81  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 34,703 9,083  
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 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 675 13,712  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 9,030 178  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 20 326  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 1,217 3,972  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 7,750 3,746  
Financing Receivable, Excluding Accrued Interest, Revolving 1,399 3,108  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 400 13  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 20,491 25,055  
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 740,440 942,468  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 571,897 436,832  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 267,528 224,735  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 176,468 138,951  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 117,755 101,100  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 319,986 287,744  
Financing Receivable, Excluding Accrued Interest, Revolving 1,862,643 1,389,128  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 1,938 2,164  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 4,058,655 3,523,122  
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 4,399 10,264  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 5,749 16,167  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 4,285 8,420  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 7,002 1,253  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 224 321  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 1,736 8,295  
Financing Receivable, Excluding Accrued Interest, Revolving 3,037 897  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 26,432 45,617  
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 3,980 4,401  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 15,872 33,194  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 43,300 1,716  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 4,764 27  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 992 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 4,708 0  
Financing Receivable, Excluding Accrued Interest, Revolving 5,859 31,992  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 79,475 71,330  
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 436,206 396,891  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 512,614 1,941,913  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 2,004,558 1,194,759  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 793,161 416,647  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 233,619 513,555  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 810,497 705,092  
Financing Receivable, Excluding Accrued Interest, Revolving 141,307 136,095  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 4,931,962 5,304,952  
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 313 476  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 14,907 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 32,131 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 19,171  
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 47,351 19,647  
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 2,992  
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 36,981 3  
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 32,253 2,733  
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 69,234 5,728  
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 530,186 426,089  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 338,187 320,733  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 286,865 342,927  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 318,935 349,742  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 314,814 54,801  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 210,251 243,356  
Financing Receivable, Excluding Accrued Interest, Revolving 395,943 375,739  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 22,929 23,895  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 2,418,110 2,137,282  
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 0 157  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 167 140  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 148 131  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 219 1,361  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 18  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 113 134  
Financing Receivable, Excluding Accrued Interest, Revolving 1,767 2,982  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 93  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 2,414 5,016  
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 0 150  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 163 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 37  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 45 49  
Financing Receivable, Excluding Accrued Interest, Revolving 898 50  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 67 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 1,173 286  
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 462 633  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 4,337 1,788  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 6,618 2,220  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 2,432 4,297  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 3,506 6,441  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 112,491 124,719  
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 129,846 140,098  
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 245,737 218,401  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 149,572 229,580  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 167,272 149,291  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 115,710 136,215  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 107,291 75,348  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 151,030 137,629  
Financing Receivable, Excluding Accrued Interest, Revolving 510,147 503,841  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 2,619 145  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 1,449,378 1,450,450  
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 18 66  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 17 39  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 30 106  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 825 30  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 8 8  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving 8 1,918  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 3  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 906 2,170  
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 16 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 64  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 12  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 9  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 1 144  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 129 0  
Financing Receivable, Excluding Accrued Interest, Revolving 1,990 3  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 2,136 232  
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 96 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 463 30,290  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 23,129  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 13,158 28,110  
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 13,717 81,529  
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 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 49 99  
Financing Receivable, Excluding Accrued Interest, Revolving 0 17,744  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 49 17,843  
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 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 1,635  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 338  
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 767 1,643  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 767 3,616  
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 32 1,134  
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 23 48  
Financing Receivable, Excluding Accrued Interest, Revolving 0 5,956  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 59 5  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 114 7,143  
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 7,170  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 9,905 150  
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 9,905 7,320  
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 245 79  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 1,758 1,419  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 990 237  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 522 544  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 583 344  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 7,420 12,381  
Financing Receivable, Excluding Accrued Interest, Revolving 3,221 2,387  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 522 665  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 15,261 18,056  
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 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 280  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 280 375  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 6,523 9,054  
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 6,803 9,709  
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 31 4  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 3 51  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 30 9  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 13 16  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 4 3  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 5 12  
Financing Receivable, Excluding Accrued Interest, Revolving 23 158  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 0 0  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss $ 109 $ 253  
[1] Includes charge-offs on deposit overdrafts, which are generally charged off at 60 days past due.
v3.25.0.1
Loans and Allowances for Credit Losses, Nonaccrual (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual $ 46,725 $ 145,469
Nonaccrual [Member] | Nonaccrual    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 46,725 145,469
Financing Receivable, Nonaccrual, No Allowance 46,449 102,380
Financing receivable, Nonaccrual, With Allowance 276 43,089
Financing Receivable, Nonaccrual, Related Allowance 276 2,692
Commercial [Member]    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 14,647 110,131
Commercial [Member] | Nonaccrual [Member] | Nonaccrual    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 14,647 110,131
Financing Receivable, Nonaccrual, No Allowance 14,371 67,042
Financing receivable, Nonaccrual, With Allowance 276 43,089
Financing Receivable, Nonaccrual, Related Allowance 276 2,692
Commercial [Member] | Healthcare [Member] | Nonaccrual [Member] | Nonaccrual    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 13,717 81,529
Financing Receivable, Nonaccrual, No Allowance 13,717 40,372
Financing receivable, Nonaccrual, With Allowance 0 41,157
Financing Receivable, Nonaccrual, Related Allowance 0 1,478
Commercial [Member] | Energy [Member] | Nonaccrual [Member] | Nonaccrual    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 49 17,843
Financing Receivable, Nonaccrual, No Allowance 49 17,843
Financing receivable, Nonaccrual, With Allowance 0 0
Financing Receivable, Nonaccrual, Related Allowance 0 0
Commercial [Member] | Services [Member] | Nonaccrual [Member] | Nonaccrual    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 767 3,616
Financing Receivable, Nonaccrual, No Allowance 491 1,684
Financing receivable, Nonaccrual, With Allowance 276 1,932
Financing Receivable, Nonaccrual, Related Allowance 276 1,214
Commercial [Member] | General business [Member] | Nonaccrual [Member] | Nonaccrual    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 114 7,143
Financing Receivable, Nonaccrual, No Allowance 114 7,143
Financing receivable, Nonaccrual, With Allowance 0 0
Financing Receivable, Nonaccrual, Related Allowance 0 0
Commercial real estate [Member]    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 9,905 7,320
Commercial real estate [Member] | Nonaccrual [Member] | Nonaccrual    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 9,905 7,320
Financing Receivable, Nonaccrual, No Allowance 9,905 7,320
Financing receivable, Nonaccrual, With Allowance 0 0
Financing Receivable, Nonaccrual, Related Allowance 0 0
Loans to individuals [Member]    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 22,173 28,018
Loans to individuals [Member] | Nonaccrual [Member] | Nonaccrual    
Financing Receivable, Nonaccrual [Line Items]    
Nonaccrual 22,173 28,018
Financing Receivable, Nonaccrual, No Allowance 22,173 28,018
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 15,261 18,056
Financing Receivable, Nonaccrual, No Allowance 15,261 18,056
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 109 253
Financing Receivable, Nonaccrual, No Allowance 109 253
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 6,803 9,709
Financing Receivable, Nonaccrual, No Allowance 6,803 9,709
Financing receivable, Nonaccrual, With Allowance 0 0
Financing Receivable, Nonaccrual, Related Allowance $ 0 $ 0
v3.25.0.1
Loans and Allowances for Credit Losses, Modifications (Details) - USD ($)
$ in Millions
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Financing Receivable, Modified in Period, Amount $ 100.0 $ 130.0
Financing Receivable, Modified, Subsequent Default $ 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 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 72.0 47.0
Healthcare and General business member | Commercial [Member] | Extended Maturity    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Financing Receivable, Modified in Period, Amount   93.0
Healthcare and Loans to individuals member | Commercial Portfolio Segment and Loans to individuals Portfolio Segment | Extended Maturity and Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Financing Receivable, Modified in Period, Amount   36.0
Energy [Member] | Commercial [Member]    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Financing Receivable, Modified in Period, Amount 9.3  
General business member | Commercial [Member]    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Financing Receivable, Modified in Period, Amount   67.0
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 8.6 13.0
Financing Receivable, Modified, Subsequent Default   $ 4.8
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 8.6  
Financing Receivable, Modified, Subsequent Default $ 5.2  
v3.25.0.1
Loans and Allowances for Credit Losses, By Aging Category (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Financing Receivable, Past Due [Line Items]    
Past Due 90 Days or More and Accruing $ 52,504 $ 48,371
Current and Past Due Performing Loans 24,114,724 23,904,968
Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 23,953,419 23,705,831
30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 59,350 55,411
60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 21,775 50,082
90 Days or More [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 80,180 93,644
Commercial [Member]    
Financing Receivable, Past Due [Line Items]    
Past Due 90 Days or More and Accruing 0 0
Current and Past Due Performing Loans 15,030,136 14,803,769
Commercial [Member] | Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 14,990,812 14,723,999
Commercial [Member] | 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 28,845 18,433
Commercial [Member] | 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 837 31,447
Commercial [Member] | 90 Days or More [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 9,642 29,890
Commercial [Member] | Healthcare [Member]    
Financing Receivable, Past Due [Line Items]    
Past Due 90 Days or More and Accruing 0 0
Current and Past Due Performing Loans 3,967,533 4,143,233
Commercial [Member] | Healthcare [Member] | Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 3,932,142 4,071,336
Commercial [Member] | Healthcare [Member] | 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 25,778 18,019
Commercial [Member] | Healthcare [Member] | 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 0 30,290
Commercial [Member] | Healthcare [Member] | 90 Days or More [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 9,613 23,588
Commercial [Member] | Services [Member]    
Financing Receivable, Past Due [Line Items]    
Past Due 90 Days or More and Accruing 0 0
Current and Past Due Performing Loans 3,643,203 3,576,223
Commercial [Member] | Services [Member] | Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 3,642,436 3,575,787
Commercial [Member] | Services [Member] | 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 0 2
Commercial [Member] | Services [Member] | 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 767 0
Commercial [Member] | Services [Member] | 90 Days or More [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 0 434
Commercial [Member] | Energy [Member]    
Financing Receivable, Past Due [Line Items]    
Past Due 90 Days or More and Accruing 0 0
Current and Past Due Performing Loans 3,254,724 3,437,101
Commercial [Member] | Energy [Member] | Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 3,254,724 3,437,101
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]    
Past Due 90 Days or More and Accruing 0 0
Current and Past Due Performing Loans 4,164,676 3,647,212
Commercial [Member] | General business [Member] | Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 4,161,510 3,639,775
Commercial [Member] | General business [Member] | 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 3,067 412
Commercial [Member] | General business [Member] | 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 70 1,157
Commercial [Member] | General business [Member] | 90 Days or More [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 29 5,868
Commercial real estate [Member]    
Financing Receivable, Past Due [Line Items]    
Past Due 90 Days or More and Accruing 0 3
Current and Past Due Performing Loans 5,058,452 5,337,647
Commercial real estate [Member] | Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 5,048,667 5,327,481
Commercial real estate [Member] | 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 0 2,992
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 9,785 7,174
Loans to individuals [Member]    
Financing Receivable, Past Due [Line Items]    
Past Due 90 Days or More and Accruing 52,504 48,368
Current and Past Due Performing Loans 4,026,136 3,763,552
Loans to individuals [Member] | Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 3,913,940 3,654,351
Loans to individuals [Member] | 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 30,505 33,986
Loans to individuals [Member] | 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 20,938 18,635
Loans to individuals [Member] | 90 Days or More [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 60,753 56,580
Loans to individuals [Member] | Residential mortgage [Member]    
Financing Receivable, Past Due [Line Items]    
Past Due 90 Days or More and Accruing 0 36
Current and Past Due Performing Loans 2,436,958 2,160,640
Loans to individuals [Member] | Residential mortgage [Member] | Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 2,416,633 2,149,927
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 10,930 6,340
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 5,622 1,494
Loans to individuals [Member] | Residential mortgage [Member] | 90 Days or More [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 3,773 2,879
Loans to individuals [Member] | Residential mortgage [Member] | US Government Agency Insured Loans    
Financing Receivable, Past Due [Line Items]    
Past Due 90 Days or More and Accruing 52,504 48,201
Current and Past Due Performing Loans 136,649 149,807
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 45,910 54,122
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 18,514 25,085
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 15,268 17,053
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 56,957 53,547
Loans to individuals [Member] | Personal [Member]    
Financing Receivable, Past Due [Line Items]    
Past Due 90 Days or More and Accruing 0 131
Current and Past Due Performing Loans 1,452,529 1,453,105
Loans to individuals [Member] | Personal [Member] | Current    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans 1,451,397 1,450,302
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 1,061 2,561
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 48 88
Loans to individuals [Member] | Personal [Member] | 90 Days or More [Member]    
Financing Receivable, Past Due [Line Items]    
Current and Past Due Performing Loans $ 23 $ 154
v3.25.0.1
Premises and Equipment and Leases Premises and Equipment and Leases (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Premises and Equipment [Line Items]      
Premises and equipment $ 1,171,857 $ 1,094,202  
Less accumulated depreciation 537,372 471,979  
Premises and equipment, net of accumulated depreciation 634,485 622,223  
Depreciation Expense 68,500 68,700 $ 68,400
Lessee, Operating Lease, Liability, Payment, Due [Abstract]      
Operating Leases, Payments Due, 2025 36,324    
Operating Leases, Payments, 2026 33,508    
Operating Leases, Payments, 2027 30,813    
Operating Leases, Payments, 2028 29,390    
Operating Lease, Payments, 2029 28,360    
Operating Leases, Payments, 2030 and later 172,090    
Total undiscounted lease payments 330,485    
Less: Interest 81,821    
Lease liabilities $ 248,664    
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration] Other liabilities    
Lease, Cost [Abstract]      
Operating Lease, Right-of-Use Asset $ 213,000 $ 221,000  
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 9 years 1 month 6 days    
Operating Lease, Weighted Average Discount Rate, Percent 3.40%    
Finance Lease, Weighted Average Remaining Lease Term 4 years 4 months 24 days    
Finance Lease, Weighted Average Discount Rate, Percent 2.70%    
Operating Lease, Cost $ 26,800 $ 25,282 24,520
Variable Lease, Cost 14,962 15,327 12,845
Finance Lease, Right-of-Use Asset, Amortization 3,497 3,592 2,962
Short-term Lease, Cost 447 283 189
Operating Lease, operating cash flows 28,600 26,800 $ 23,300
Land      
Premises and Equipment [Line Items]      
Premises and equipment 68,816 69,121  
Buildings and improvements      
Premises and Equipment [Line Items]      
Premises and equipment 540,832 525,941  
Software and related integration      
Premises and Equipment [Line Items]      
Premises and equipment 270,991 219,646  
Furniture and equipment      
Premises and Equipment [Line Items]      
Premises and equipment 245,796 211,082  
Construction in progress      
Premises and Equipment [Line Items]      
Premises and equipment $ 45,422 $ 68,412  
v3.25.0.1
Goodwill and Intangible Assets (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Finite-Lived Intangible Assets [Line Items]      
Finite-lived intangible assets, net $ 46,788 $ 59,979  
Finite-Lived Intangible Assets, Net, Amortization Expense, Fiscal Year Maturity [Abstract]      
2025 10,515    
2026 9,507    
2027 8,292    
2028 5,973    
2029 1,010    
Thereafter 11,491    
Goodwill [Roll Forward]      
Goodwill 1,044,749 1,044,749 $ 1,044,749
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 74,654 65,275  
Finite-lived intangible assets, net 28,546 37,925  
Finite-Lived Intangible Assets, Net, Amortization Expense, Fiscal Year Maturity [Abstract]      
2025 8,675    
2026 7,986    
2027 6,956    
2028 4,929    
2029 0    
Thereafter 0    
Other identifiable intangible assets [Member]      
Finite-Lived Intangible Assets [Line Items]      
Finite-lived intangible assets, gross 51,671 67,151  
Accumulated amortization 33,429 45,097  
Finite-lived intangible assets, net 18,242 $ 22,054  
Finite-Lived Intangible Assets, Net, Amortization Expense, Fiscal Year Maturity [Abstract]      
2025 1,840    
2026 1,521    
2027 1,336    
2028 1,044    
2029 1,010    
Thereafter $ 11,491    
v3.25.0.1
Mortgage Banking Activities, Components of Loans Held For Sale (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
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 77,080 56,922  
Residential mortgage loans held for sale, Fair value 75,969 56,457  
Residential mortgage loans held for sale $ 77,561 $ 56,935  
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 $ 36,590 $ 34,783  
Derivative, Net fair value $ 1,119 $ 1,379  
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 $ 82,000 $ 75,448  
Derivative, Net fair value $ 473 $ (901)  
v3.25.0.1
Mortgage Banking Activities, Mortgage Banking Revenue (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Mortgage Banking Revenue [Abstract]      
Net realized gain (loss) on sales of mortgage loans $ 8,271 $ (5,021) $ 7,416
Net change in unrealized gain on mortgage loans held for sale (646) 538 (4,468)
Net change in fair value of mortgage loan commitments (260) 325 (5,113)
Net change in the fair value of forward sales contracts 1,374 (1,181) 327
Total mortgage production revenue 8,739 (5,339) (1,838)
Servicing revenue 65,368 61,037 51,203
Total mortgage banking revenue $ 74,107 $ 55,698 $ 49,365
v3.25.0.1
Mortgage Banking Activities, Mortgage Servicing Rights (Details)
 12 Months Ended
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Dec. 31, 2022
USD ($)
Summary of Mortgage Servicing Rights [Abstract]      
Number of residential mortgage loans serviced for others 125,728 115,967 110,541
Outstanding principal balance of residential mortgage loans serviced for others $ 22,269,513,000 $ 20,382,192,000 $ 18,863,201,000
Weighted average interest rate (in hundredths) 3.73% 3.64% 3.59%
Remaining contractual term (in months) 276 months 280 months 283 months
Servicing Asset at Fair Value, Amount [Roll Forward]      
Beginning balance $ 293,884,000 $ 277,608,000 $ 163,198,000
Additions 14,976,000 12,142,000 18,215,000
Acquisitions 41,655,000 34,593,000 47,675,000
Change in fair value due to loan runoff (30,807,000) (27,344,000) (31,741,000)
Change in fair value due to market changes 18,437,000 (3,115,000) 80,261,000
Ending balance $ 338,145,000 $ 293,884,000 $ 277,608,000
Servicing Assets at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]      
Discount rate - risk-free rate plus a market premium (in hundredths) 9.60% 9.72%  
Prepayment rate - based upon loan interest rate, original term and loan type 7.09% 7.34%  
Loan servicing costs - annually per loan based upon loan type, performing, minimum (in dollars per loan) $ 73 $ 69  
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 $ 8,000  
Primary secondary mortgage rate spread (in basis points) 115 105  
Escrow earnings rate - indexed to rates paid on deposit accounts with comparable average life 4.44% 3.90%  
Delinquency rate 2.19% 2.06%  
v3.25.0.1
Deposits (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Interest expense on deposits [Abstract]      
Transaction deposits $ 861,538 $ 540,068 $ 108,956
Savings 4,845 2,913 489
Total time 159,346 83,616 12,304
Total 1,025,729 626,597 $ 121,749
Time Deposit Information [Abstract]      
Time deposits in denomination of $250,000 or more 956,000 1,100,000  
Time Deposit Maturities [Abstract]      
2025 2,400,000    
2026 1,100,000    
2027 67,000    
2028 13,000    
2029 7,700    
Thereafter 6,600    
Other Deposits Information [Abstract]      
Overdrawn customer transaction deposits reclassified as loan balances $ 5,200 $ 5,700  
v3.25.0.1
Other Borrowed Funds (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Other Borrowed Funds [Line Items]      
Balance $ 4,454,179 $ 8,955,450 $ 7,138,490
Average Balance $ 7,635,810 $ 8,763,904 $ 3,025,223
Rate 5.24% 5.06% 1.95%
Other borrowed funds, Maturities [Abstract]      
2025 $ 4,214,262    
2026 103,288    
2027 1,807    
2028 0    
2029 0    
Thereafter 134,822    
Funds purchased [Member]      
Other Borrowed Funds [Line Items]      
Balance $ 615,809 $ 515,747 $ 99,843
Rate 4.21% 5.17% 0.05%
Average Balance $ 613,294 $ 847,676 $ 266,344
Rate 4.66% 4.83% 1.12%
Maximum Outstanding At Any Month End $ 899,447 $ 1,711,580 $ 444,069
Repurchase agreements [Member]      
Other Borrowed Funds [Line Items]      
Balance $ 677,047 $ 607,001 $ 2,170,534
Rate 1.45% 1.70% 4.42%
Average Balance $ 682,699 $ 1,805,978 $ 998,701
Rate 3.49% 4.32% 1.02%
Maximum Outstanding At Any Month End $ 1,627,169 $ 4,433,480 $ 3,034,312
Other Borrowings [Member]      
Other Borrowed Funds [Line Items]      
Balance 3,030,123 7,701,552 4,736,908
Average Balance $ 6,208,654 $ 5,979,095 $ 1,628,972
Rate 5.45% 5.28% 2.41%
Federal Home Loan Bank advances [Member]      
Other Borrowed Funds [Line Items]      
Balance $ 3,000,000 $ 7,675,000 $ 4,700,000
Rate 4.58% 5.51% 4.48%
Average Balance $ 6,181,011 $ 5,948,863 $ 1,593,699
Rate 5.45% 5.28% 2.37%
Maximum Outstanding At Any Month End $ 6,700,000 $ 7,875,000 $ 4,700,000
GNMA repurchase liability [Member]      
Other Borrowed Funds [Line Items]      
Balance $ 17,628 $ 11,660 $ 10,608
Rate 3.83% 4.13% 4.06%
Average Balance $ 13,914 $ 11,224 $ 6,692
Rate 4.17% 4.04% 4.38%
Maximum Outstanding At Any Month End $ 17,628 $ 12,414 $ 11,011
Other [Member]      
Other Borrowed Funds [Line Items]      
Balance $ 12,495 $ 14,892 $ 26,300
Rate 4.78% 5.50% 3.20%
Average Balance $ 13,729 $ 19,008 $ 28,581
Rate 6.04% 3.91% 3.12%
Maximum Outstanding At Any Month End $ 14,800 $ 26,311 $ 30,382
Subordinated debentures [Member]      
Other Borrowed Funds [Line Items]      
Balance [1] $ 131,200 $ 131,150 $ 131,205
Rate [1] 6.43% 6.93% 6.34%
Average Balance [1] $ 131,163 $ 131,155 $ 131,206
Rate [1] 7.03% 6.83% 4.95%
Maximum Outstanding At Any Month End [1] $ 131,200 $ 131,164 $ 131,230
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    
Stated interest rate 5.625%    
Interest rate description three-month SOFR plus 0.26% tenor spread adjustment plus 3.17%    
Debt Instrument, Call Date, Earliest Jun. 25, 2025    
Subordinated debentures [Member] | Junior subordinated debentures-acquired, 2003 issuance [Member]      
Other borrowed funds, Other Disclosures [Abstract]      
Amount of debt issuance $ 21,000    
Maturity date Sep. 17, 2033    
Interest rate description three-month SOFR plus 0.26% tenor spread adjustment plus 2.95%    
Subordinated debentures [Member] | Junior subordinated debentures-acquired, 2004 issuance [Member]      
Other borrowed funds, Other Disclosures [Abstract]      
Amount of debt issuance $ 31,000    
Maturity date Jul. 23, 2034    
Interest rate description three-month SOFR plus 0.26% tenor spread adjustment plus 2.60%    
Subordinated debentures [Member] | Junior subordinated debentures-acquired, 2005 issuance [Member]      
Other borrowed funds, Other Disclosures [Abstract]      
Amount of debt issuance $ 20,000    
Maturity date Sep. 30, 2035    
Interest rate description three-month SOFR plus 0.26% tenor spread adjustment plus 1.45%    
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 $ 604,000    
Unused credit available pursuant to the FHLB's collateral policies 4,300,000    
Subsidiaries [Member] | BOK Financial Securities, Inc. [Member] | Other [Member]      
Other Borrowed Funds [Line Items]      
Balance $ 0 $ 0  
[1] Parent Company only.
v3.25.0.1
Federal and State Income Taxes (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Deferred tax assets [Abstract]      
Available for sale securities mark to market $ 154,277 $ 183,723  
Credit loss reserves 78,016 76,361  
Lease liability 58,399 61,204  
Deferred compensation 51,545 47,418  
Unearned fees 13,268 12,682  
Other 25,918 29,193  
Total deferred tax assets 381,423 410,581  
Valuation Allowance [Abstract]      
Valuation allowance 0 0  
Deferred tax liabilities [Abstract]      
Right-of-use asset 49,249 51,943  
Mortgage servicing rights 35,464 32,723  
Acquired identifiable intangible 20,619 21,678  
Depreciation 5,878 4,578  
Lease financing 9,342 12,148  
Other 29,002 17,915  
Total deferred tax liabilities 149,554 140,985  
Net deferred tax assets, net 231,869 269,596  
Current income tax expense [Abstract]      
Federal 116,663 152,600 $ 127,144
State 18,148 19,298 18,185
Total current income tax expense 134,811 171,898 145,329
Deferred income tax expense [Abstract]      
Federal 7,632 (17,973) (4,700)
State 648 (1,810) (765)
Total deferred income tax expense (benefit) 8,280 (19,783) (5,465)
Total income tax expense 143,091 152,115 139,864
Effective Income Tax Rate Reconciliation, Amount [Abstract]      
Federal statutory tax 139,996 143,482 138,633
Tax exempt revenue (6,341) (5,786) (5,714)
State income taxes, net of federal benefit 15,055 13,330 13,490
Tax credits, net of proportional amortization (8,857) (2,673) (8,883)
Other, net 3,238 3,762 2,338
Total income tax expense $ 143,091 $ 152,115 $ 139,864
Effective Income Tax Rate Reconciliation, Percent [Abstract]      
Federal statutory tax (in thousandths) 21.00% 21.00% 21.00%
Tax exempt revenue (in thousandths) (1.00%) (0.80%) (0.80%)
Effect of state income taxes, net of federal benefit (in thousandths) 2.30% 2.00% 2.00%
Utilization of tax credits, net of proportional amortization of low-income housing limited partnership investments (in thousandths) (1.30%) (0.40%) (1.40%)
Other, net (in thousandths) 0.50% 0.50% 0.40%
Total (in thousandths) 21.50% 22.30% 21.20%
Unrecognized Tax Benefits [Roll Forward]      
Balance as of January 1 $ 17,957 $ 19,583 $ 21,092
Additions for tax for current year positions 3,397 3,239 3,465
Lapses of applicable statute of limitations (4,855) (4,865) (4,974)
Balance as of December 31 16,499 17,957 19,583
Unrecognized Tax Benefits that Would Impact Effective Tax Rate 13,000    
Unrecognized Tax Benefits, Income Tax Penalties and Interest Expense 1,600 1,600 $ 1,800
Unrecognized Tax Benefits, Penalties and Interest Accrued $ 5,000 $ 5,700  
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    
v3.25.0.1
Employee Benefits (Details) - BOK Financial 401(k) Plan [Member] - USD ($)
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
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 $ 35,500,000 $ 32,900,000 $ 31,700,000
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%    
v3.25.0.1
Share-Based Compensation Plans (Details) - USD ($)
$ / shares in Units, $ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
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) 538,990 492,884 489,554
Non-vested shares that were granted during the period (in shares) 236,834 180,178 183,809
Non-vested shares that vested during period (in shares) (116,962) (103,515) (139,859)
Non-vested shares that forfeited during period (in shares) (34,399) (30,557) (40,620)
Non-vested shares awarded, end of period (in shares) 624,463 538,990 492,884
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 $ 83.44 $ 97.56 $ 108.23
Weighted Average Grant Date Fair Value, Vested 73.12 82.85 76.80
Weighted average grant date fair value non-vested share awards forfeited (in dollars per share) $ 92.34 $ 95.17 $ 79.60
Share-based Compensation Costs, Including Costs That May Be Recognized As Future Expense [Abstract]      
Share-based Compensation Expense Recognized $ 22,500 $ 14,800 $ 9,000
Unrecognized compensation cost of unvested awards, for future periods 27,600    
Unrecognized compensation cost of unvested awards, Amount to be expensed in 2024 17,500    
Unrecognized compensation cost of unvested awards, Amount to be expensed in 2025 9,200    
Unrecognized compensation cost of unvested awards, Amount to be expensed in 2026 $ 943    
Number of shares with required performance obligations 261,245    
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period, Fair Value $ 10,000 $ 10,300 $ 15,000
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) 51,391 51,010 87,239
Non-vested shares that were granted during the period (in shares) 1,833 7,275 25,416
Non-vested shares that vested during period (in shares) (5,271) (6,894) (61,645)
Non-vested shares that forfeited during period (in shares) 0 0 0
Non-vested shares awarded, end of period (in shares) 47,953 51,391 51,010
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 $ 81.79 $ 102.35 $ 103.79
Weighted Average Grant Date Fair Value, Vested 88.25 77.36 91.38
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 $ 148 $ 572 $ 597
Unrecognized compensation cost of unvested awards, for future periods 2,200    
Unrecognized compensation cost of unvested awards, Amount to be expensed in 2024 1,700    
Unrecognized compensation cost of unvested awards, Amount to be expensed in 2025 465    
Unrecognized compensation cost of unvested awards, Amount to be expensed in 2026 $ 14    
Number of shares with required performance obligations 41,477    
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Aggregate Intrinsic Value, Vested $ 449 $ 709 $ 6,300
v3.25.0.1
Related Parties Related Parties (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Directors and Senior Management [Member]      
Loans and Leases Receivable, Related Parties [Roll Forward]      
Beginning balance $ 204,409 $ 54,479  
Advances 1,110,043 1,424,041  
Payments (1,131,474) (1,281,323)  
Adjustments [1] (1,330) (7,212)  
Ending balance 181,648 204,409 $ 54,479
Director [Member]      
Loan Commitments and Equity Investments [Abstract]      
Operating Costs and Expenses $ 11,500 11,400 $ 10,700
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 $ 5,200,000    
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 $ 500,000    
Maximum loan commitments and equity investments to all affiliates 1,000,000    
Largest loan commitment and equity investment to a single affiliate 155,000    
Aggregate loan commitment and equity investment to all affiliates 215,000 315,000  
Largest amount outstanding to a single affiliate 408    
Outstanding Receivables to all Affiliates $ 408 $ 1,100  
[1] Adjustments generally consist of changes in status as a related party.
v3.25.0.1
Commitments and Contingent Liabilities (Details)
 12 Months Ended
Apr. 08, 2024
Dec. 31, 2024
USD ($)
shares
Dec. 31, 2023
USD ($)
Other Commitments [Abstract]      
The Net Asset Value of Units in Mutual Funds (per unit)   1.00  
Assets Purchased from Mutual Funds Managed | $   $ 0 $ 0
Minimum Average Cash Balance Required to be Maintained at Federal Reserve by Subsidiary Bank | $   631,000,000 $ 717,000,000
Misuse of Revenues Pledged to Municipal Bonds [Member] | Judicial Ruling [Member]      
Gain (Loss) from Litigation Settlement [Abstract]      
Disgorged fees | $   1,067,721  
Litigation Settlement, Expense | $   $ 600,000  
Misuse of Revenues Pledged to Municipal Bonds [Member] | Pending Litigation [Member]      
Gain (Loss) from Litigation Settlement [Abstract]      
Loss Contingency, Number of Plaintiffs   2  
Bank Participation in Fraudulent Sale of Securities by Principals [Member] | Pending Litigation [Member]      
Gain (Loss) from Litigation Settlement [Abstract]      
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 upon sale of facilities securing payment of the bonds | $   $ 31,000,000  
Bank Participation in Fraudulent Sale of Securities by Principals [Member] | Settled Litigation      
Gain (Loss) from Litigation Settlement [Abstract]      
Loss Contingency, Number of Plaintiffs   19  
Visa Membership [Member]      
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   194,597  
Potential Exchange Offer Program Conversion Percentage 50.00%    
Common Stock Class B-1 Shares Tendered | shares   252,233  
Visa Class C Shares owned | shares   50,053  
Visa Class C Stock Sold | shares   41,148  
Visa Class C Shares Common Stock Donated | shares   8,905  
Visa Class B-2 Conversion Rate | shares   1.543  
v3.25.0.1
Commitments and Contingent Liabilities Variable Interest Entities (Details) - USD ($)
$ in Millions
Dec. 31, 2024
Dec. 31, 2023
Variable Interest Entity [Line Items]    
Investment, Proportional Amortization Method, Elected, Amount $ 412 $ 413
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 $ 100 $ 100
v3.25.0.1
Shareholders' Equity (Details) - USD ($)
$ / shares in Units, $ in Millions
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
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  
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    
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    
v3.25.0.1
Shareholders' Equity Regulatory Capital (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
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 $ 4,992,810 $ 4,683,510
Common Equity Tier 1 Capital to Risk Weighted Assets 0.1303 0.1206
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 $ 4,995,414 $ 4,686,487
Tier 1 Capital to Risk Weighted Assets 0.1304 0.1207
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 $ 5,445,399 $ 5,110,471
Total Capital to Risk Weighted Assets 0.1421 0.1316
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 $ 4,995,414 $ 4,686,487
Tier 1 Capital to Average Assets 0.0997 0.0945
Subsidiaries [Member] | BOKF, NA [Member]    
Common Equity Tier 1 Capital [Abstract]    
Common Equity Tier 1 Capital Ratio Required to be Well Capitalized 6.50% 6.50%
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 $ 4,615,811 $ 4,370,891
Common Equity Tier 1 Capital to Risk Weighted Assets 0.1223 0.1137
Tier I Capital (to Risk Weighted Assets) [Abstract]    
Tier I Capital Ratio Required to be Well Capitalized 0.0800 0.0800
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 1 Capital $ 4,615,811 $ 4,370,891
Tier 1 Capital to Risk Weighted Assets 0.1223 0.1137
Total Capital (to Risk Weighted Assets) [Abstract]    
Total Capital Ratio Required to be Well Capitalized 0.1000 0.1000
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 $ 4,999,728 $ 4,728,876
Total Capital to Risk Weighted Assets 0.1325 0.1230
Tier 1 Capital (to Average Assets) [Abstract]    
Leverage Ratio Required to be Well Capitalized 0.0500 0.0500
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 $ 4,615,811 $ 4,370,891
Tier 1 Capital to Average Assets 0.0926 0.0886
v3.25.0.1
Shareholders' Equity Accumulated Other Comprehensive Income (Loss) (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
AOCI Attributable to Parent, Net of Tax [Roll Forward]      
Beginning balance $ (599,100) $ (836,955) $ 72,371
Net change in unrealized gain (loss) 33,461 218,293 (1,227,414)
Transfer of net unrealized loss from AFS to investment securities     0
Reclassification adjustments included in earnings: [Abstract]      
Interest revenue, Investment securities 46,020 60,394 42,514
Operating expense, Personnel     (3,483)
Loss on available for sale securities, net 45,828 30,636 971
Other comprehensive income (loss), before income taxes 125,309 309,323 (1,187,412)
Federal and state income taxes 29,249 71,468 (278,086)
Other comprehensive income (loss), net of income taxes 96,060 237,855 (909,326)
Ending balance (503,040) (599,100) (836,955)
Unrealized Gain (Loss) on Available for Sale Securities [Member]      
AOCI Attributable to Parent, Net of Tax [Roll Forward]      
Beginning balance (473,212) (664,618) 69,775
Net change in unrealized gain (loss) 33,461 218,293 (1,227,414)
Transfer of net unrealized loss from AFS to investment securities     267,509
Reclassification adjustments included in earnings: [Abstract]      
Interest revenue, Investment securities 0 0 0
Operating expense, Personnel     0
Loss on available for sale securities, net 45,828 30,636 971
Other comprehensive income (loss), before income taxes 79,289 248,929 (958,934)
Federal and state income taxes 18,425 57,523 (224,541)
Other comprehensive income (loss), net of income taxes 60,864 191,406 (734,393)
Ending balance (412,348) (473,212) (664,618)
Accumulated Unrealized Gain/Loss on Investment Securities Transferred from AFS      
AOCI Attributable to Parent, Net of Tax [Roll Forward]      
Beginning balance (125,888) (172,337) 0
Net change in unrealized gain (loss) 0 0 0
Transfer of net unrealized loss from AFS to investment securities     (267,509)
Reclassification adjustments included in earnings: [Abstract]      
Interest revenue, Investment securities 46,020 60,394 42,514
Operating expense, Personnel     0
Loss on available for sale securities, net 0 0 0
Other comprehensive income (loss), before income taxes 46,020 60,394 (224,995)
Federal and state income taxes 10,824 13,945 (52,658)
Other comprehensive income (loss), net of income taxes 35,196 46,449 (172,337)
Ending balance (90,692) (125,888) (172,337)
Unrealized Gain (Loss) on Employee Benefit Plans [Member]      
AOCI Attributable to Parent, Net of Tax [Roll Forward]      
Beginning balance 0 0 2,596
Net change in unrealized gain (loss) 0 0 0
Transfer of net unrealized loss from AFS to investment securities     0
Reclassification adjustments included in earnings: [Abstract]      
Interest revenue, Investment securities 0 0 0
Operating expense, Personnel     (3,483)
Loss on available for sale securities, net 0 0 0
Other comprehensive income (loss), before income taxes 0 0 (3,483)
Federal and state income taxes 0 0 (887)
Other comprehensive income (loss), net of income taxes 0 0 (2,596)
Ending balance $ 0 $ 0 $ 0
v3.25.0.1
Earnings Per Share (Details) - USD ($)
$ / shares in Units, $ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Numerator: [Abstract]:      
Net income attributable to BOK Financial Corp. shareholders $ 523,569 $ 530,746 $ 520,273
Less: Earnings allocated to participating securities 4,991 4,253 3,803
Numerator for basic earnings per share - income available to common shareholders 518,578 526,493 516,470
Effect of reallocating undistributed earnings of participating securities 0 0 0
Numerator for diluted earnings per share - income available to common shareholders $ 518,578 $ 526,493 $ 516,470
Denominator: [Abstract]      
Weighted average shares outstanding 64,348,373 66,184,832 67,706,014
Less: Participating securities included in weighted average shares outstanding (in shares) 603,285 533,263 493,286
Denominator for basic earnings per common share (in shares) 63,745,088 65,651,569 67,212,728
Dilutive effect of employee stock compensation plans (in shares) 0 0 7
Denominator for diluted earnings per common share (in shares) 63,745,088 65,651,569 67,212,735
Basic (in dollars per share) $ 8.14 $ 8.02 $ 7.68
Diluted earnings per share (per share) $ 8.14 $ 8.02 $ 7.68
v3.25.0.1
Segment Reporting (Details) - segment
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
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, 2024, 2023, and 2022. No single external customer accounts for more than 10% of total revenue for the years ended December 31, 2024, 2023, and 2022. No single external customer accounts for more than 10% of total revenue for the years ended December 31, 2024, 2023, and 2022.
v3.25.0.1
Reportable Segments (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Segment Reporting Information [Line Items]      
NII (expense) from external sources $ 1,210,758 $ 1,272,180 $ 1,211,380
NII (expense) from internal sources 0 0 0
Net interest and dividend revenue 1,210,758 1,272,180 1,211,380
Provision for credit losses 18,000 46,000 30,000
Net interest income after provision for credit losses 1,192,758 1,226,180 1,181,380
Other operating revenue 839,641 789,949 643,257
Personnel 811,239 766,610 670,918
Non-personnel expense1 554,516 [1] 566,271 [2] 493,562 [3]
Other operating expense 1,365,755 1,332,881 1,164,480
Corporate expense allocations 0 [4] 0 [5] 0 [6]
Net income before taxes 666,644 683,248 660,157
Average assets 50,749,498 48,244,154 47,024,636
Operating Segments [Member]      
Segment Reporting Information [Line Items]      
NII (expense) from external sources 1,115,402 1,268,488 1,017,349
NII (expense) from internal sources 88,969 (9,051) (145,182)
Net interest and dividend revenue 1,204,371 1,259,437 872,167
Provision for credit losses 14,493 19,074 22,811
Net interest income after provision for credit losses 1,189,878 1,240,363 849,356
Other operating revenue 825,268 859,241 688,070
Personnel 551,380 531,908 483,384
Non-personnel expense1 358,551 [1] 347,521 [2] 326,519 [3]
Other operating expense 909,931 879,429 809,903
Corporate expense allocations 182,807 [4] 177,965 [5] 163,379 [6]
Net income before taxes 922,408 1,042,210 564,144
Average assets 40,635,585 38,927,333 37,742,299
Operating Segments [Member] | Commercial [Member]      
Segment Reporting Information [Line Items]      
NII (expense) from external sources 1,078,190 1,178,506 809,982
NII (expense) from internal sources (263,094) (305,107) (159,242)
Net interest and dividend revenue 815,096 873,399 650,740
Provision for credit losses 8,850 13,967 17,726
Net interest income after provision for credit losses 806,246 859,432 633,014
Other operating revenue 222,584 247,001 239,692
Personnel 189,027 191,765 173,309
Non-personnel expense1 116,403 [1] 124,083 [2] 115,934 [3]
Other operating expense 305,430 315,848 289,243
Corporate expense allocations 69,997 [4] 74,999 [5] 67,278 [6]
Net income before taxes 653,403 715,586 516,185
Average assets 21,751,103 21,003,551 19,073,248
Operating Segments [Member] | Consumer [Member]      
Segment Reporting Information [Line Items]      
NII (expense) from external sources 25,946 59,962 69,646
NII (expense) from internal sources 234,101 207,058 30,911
Net interest and dividend revenue 260,047 267,020 100,557
Provision for credit losses 5,827 5,157 5,260
Net interest income after provision for credit losses 254,220 261,863 95,297
Other operating revenue 140,005 105,793 108,873
Personnel 98,667 89,472 87,183
Non-personnel expense1 127,597 [1] 122,642 [2] 122,027 [3]
Other operating expense 226,264 212,114 209,210
Corporate expense allocations 55,737 [4] 48,565 [5] 44,965 [6]
Net income before taxes 112,224 106,977 (50,005)
Average assets 8,112,293 8,040,602 8,789,697
Operating Segments [Member] | Wealth Management [Member]      
Segment Reporting Information [Line Items]      
NII (expense) from external sources 11,266 30,020 137,721
NII (expense) from internal sources 117,962 88,998 (16,851)
Net interest and dividend revenue 129,228 119,018 120,870
Provision for credit losses (184) (50) (175)
Net interest income after provision for credit losses 129,412 119,068 121,045
Other operating revenue 462,679 506,447 339,505
Personnel 263,686 250,671 222,892
Non-personnel expense1 114,551 [1] 100,796 [2] 88,558 [3]
Other operating expense 378,237 351,467 311,450
Corporate expense allocations 57,073 [4] 54,401 [5] 51,136 [6]
Net income before taxes 156,781 219,647 97,964
Average assets 10,772,189 9,883,180 9,879,354
Funds Management and Other [Member]      
Segment Reporting Information [Line Items]      
NII (expense) from external sources 95,356 3,692 194,031
NII (expense) from internal sources (88,969) 9,051 145,182
Net interest and dividend revenue 6,387 12,743 339,213
Provision for credit losses 3,507 26,926 7,189
Net interest income after provision for credit losses 2,880 (14,183) 332,024
Other operating revenue 14,373 (69,292) (44,813)
Personnel 259,859 234,702 187,534
Non-personnel expense1 195,965 [1] 218,750 [2] 167,043 [3]
Other operating expense 455,824 453,452 354,577
Corporate expense allocations (182,807) [4] (177,965) [5] (163,379) [6]
Net income before taxes (255,764) (358,962) 96,013
Average assets $ 10,113,913 $ 9,316,821 $ 9,282,337
[1] 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.
[2] 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.
[3] 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.
[4] Corporate allocations include centrally managed operational and administrative expenses that are allocated to segments.
[5] Corporate allocations include centrally managed operational and administrative expenses that are allocated to segments.
[6] Corporate allocations include centrally managed operational and administrative expenses that are allocated to segments.
v3.25.0.1
Fees and Commission Revenue Fees and Commissions (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue $ 810,023 $ 781,118 $ 657,213
Fees and commissions revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 810,023 781,118 657,213
Fees and commissions revenue not from contracts with customers 275,066 [1] 276,538 [2] 164,987 [3]
Fees and commissions revenue from contracts with customers 534,957 [4] 504,580 [5] 492,226 [6]
Brokerage and trading revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 218,092 240,610 140,978
Fees and commissions revenue not from contracts with customers 165,273 [1] 186,558 [2] 89,778 [3]
Fees and commissions revenue from contracts with customers 52,819 [4] 54,052 [5] 51,200 [6]
Trading Revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 121,854 134,511 20,332
Fees and commissions revenue not from contracts with customers 121,854 [1] 134,511 [2] 20,332 [3]
Fees and commissions revenue from contracts with customers 0 [4] 0 [5] 0 [6]
Customer hedging revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 27,738 36,522 45,716
Fees and commissions revenue not from contracts with customers 27,738 [1] 36,522 [2] 45,716 [3]
Fees and commissions revenue from contracts with customers 0 [4] 0 [5] 0 [6]
Retail brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 19,428 15,908 16,403
Fees and commissions revenue not from contracts with customers 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 19,428 [4] 15,908 [5] 16,403 [6]
Insurance brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 10,679 12,879
Fees and commissions revenue not from contracts with customers 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 0 [4] 10,679 [5] 12,879 [6]
Investment banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 49,072 42,990 45,648
Fees and commissions revenue not from contracts with customers 15,681 [1] 15,525 [2] 23,730 [3]
Fees and commissions revenue from contracts with customers 33,391 [4] 27,465 [5] 21,918 [6]
Transaction card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 108,865 106,858 104,266
Fees and commissions revenue not from contracts with customers 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 108,865 [4] 106,858 [5] 104,266 [6]
TransFund EFT network revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 91,122 89,496 84,590
Fees and commissions revenue not from contracts with customers 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 91,122 [4] 89,496 [5] 84,590 [6]
Merchant services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 9,403 9,206 12,434
Fees and commissions revenue not from contracts with customers 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 9,403 [4] 9,206 [5] 12,434 [6]
Corporate card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 8,340 8,156 7,242
Fees and commissions revenue not from contracts with customers 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 8,340 [4] 8,156 [5] 7,242 [6]
Fiduciary and asset management revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 230,860 207,318 196,326
Fees and commissions revenue not from contracts with customers 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 230,860 [4] 207,318 [5] 196,326 [6]
Personal trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 102,689 95,070 97,373
Fees and commissions revenue not from contracts with customers 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 102,689 [4] 95,070 [5] 97,373 [6]
Corporate trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 37,524 31,228 23,775
Fees and commissions revenue not from contracts with customers 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 37,524 [4] 31,228 [5] 23,775 [6]
Institutional trust & retirement plan services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 67,175 58,692 52,106
Fees and commissions revenue not from contracts with customers 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 67,175 [4] 58,692 [5] 52,106 [6]
Investment management services and other [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 23,472 22,328 23,072
Fees and commissions revenue not from contracts with customers 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 23,472 [4] 22,328 [5] 23,072 [6]
Deposit service charges and fees [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 118,745 108,514 110,636
Fees and commissions revenue not from contracts with customers 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 118,745 [4] 108,514 [5] 110,636 [6]
Commercial account service charge revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 66,302 57,709 56,628
Fees and commissions revenue not from contracts with customers 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 66,302 [4] 57,709 [5] 56,628 [6]
Overdraft fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 22,350 21,004 25,426
Fees and commissions revenue not from contracts with customers 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 22,350 [4] 21,004 [5] 25,426 [6]
Check card fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 23,949 23,463 23,312
Fees and commissions revenue not from contracts with customers 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 23,949 [4] 23,463 [5] 23,312 [6]
Automated service charge and other deposit fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 6,144 6,338 5,270
Fees and commissions revenue not from contracts with customers 0 [1] 0 [2] 0 [3]
Fees and commissions revenue from contracts with customers 6,144 [4] 6,338 [5] 5,270 [6]
Mortgage banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 74,107 55,698 49,365
Fees and commissions revenue not from contracts with customers 74,107 [1] 55,698 [2] 49,365 [3]
Fees and commissions revenue from contracts with customers 0 [4] 0 [5] 0 [6]
Mortgage production revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 8,739 (5,339) (1,838)
Fees and commissions revenue not from contracts with customers 8,739 [1] (5,339) [2] (1,838) [3]
Fees and commissions revenue from contracts with customers 0 [4] 0 [5] 0 [6]
Mortgage servicing revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 65,368 61,037 51,203
Fees and commissions revenue not from contracts with customers 65,368 [1] 61,037 [2] 51,203 [3]
Fees and commissions revenue from contracts with customers 0 [4] 0 [5] 0 [6]
Other revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 59,354 62,120 55,642
Fees and commissions revenue not from contracts with customers 35,686 [1] 34,282 [2] 25,844 [3]
Fees and commissions revenue from contracts with customers 23,668 [4] 27,838 [5] 29,798 [6]
Operating Segments [Member] | Commercial [Member] | Fees and commissions revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 216,790 234,334 233,873
Operating Segments [Member] | Commercial [Member] | Brokerage and trading revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 32,109 50,386 59,724
Operating Segments [Member] | Commercial [Member] | Trading Revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Customer hedging revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 14,795 33,307 34,676
Operating Segments [Member] | Commercial [Member] | Retail brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Insurance brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Investment banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 17,314 17,079 25,048
Operating Segments [Member] | Commercial [Member] | Transaction card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 104,826 102,232 99,934
Operating Segments [Member] | Commercial [Member] | TransFund EFT network revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 88,089 86,046 81,097
Operating Segments [Member] | Commercial [Member] | Merchant services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 9,371 9,172 12,397
Operating Segments [Member] | Commercial [Member] | Corporate card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 7,366 7,014 6,440
Operating Segments [Member] | Commercial [Member] | Fiduciary and asset management revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Personal trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Corporate trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Institutional trust & retirement plan services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Investment management services and other [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Deposit service charges and fees [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 62,997 54,835 53,450
Operating Segments [Member] | Commercial [Member] | Commercial account service charge revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 61,818 53,670 52,779
Operating Segments [Member] | Commercial [Member] | Overdraft fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 121 109 115
Operating Segments [Member] | Commercial [Member] | Check card fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess 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]      
Fess and commissions revenue 1,058 1,056 556
Operating Segments [Member] | Commercial [Member] | Mortgage banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Mortgage production revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Mortgage servicing revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Commercial [Member] | Other revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 16,858 26,881 20,765
Operating Segments [Member] | Consumer [Member] | Fees and commissions revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 145,118 123,732 121,926
Operating Segments [Member] | Consumer [Member] | Brokerage and trading revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Trading Revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Customer hedging revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Retail brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Insurance brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Investment banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Transaction card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 3,136 3,547 3,597
Operating Segments [Member] | Consumer [Member] | TransFund EFT network revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 3,104 3,513 3,560
Operating Segments [Member] | Consumer [Member] | Merchant services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 32 34 37
Operating Segments [Member] | Consumer [Member] | Corporate card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Fiduciary and asset management revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Personal trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Corporate trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Institutional trust & retirement plan services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Investment management services and other [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Consumer [Member] | Deposit service charges and fees [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 52,998 51,362 55,037
Operating Segments [Member] | Consumer [Member] | Commercial account service charge revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 2,185 2,070 1,884
Operating Segments [Member] | Consumer [Member] | Overdraft fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 22,081 20,753 25,229
Operating Segments [Member] | Consumer [Member] | Check card fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 23,949 23,463 23,312
Operating Segments [Member] | Consumer [Member] | Automated service charge and other deposit fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 4,783 5,076 4,612
Operating Segments [Member] | Consumer [Member] | Mortgage banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 77,079 58,092 51,398
Operating Segments [Member] | Consumer [Member] | Mortgage production revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 8,739 (5,339) (1,838)
Operating Segments [Member] | Consumer [Member] | Mortgage servicing revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 68,340 63,431 53,236
Operating Segments [Member] | Consumer [Member] | Other revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 11,905 10,731 11,894
Operating Segments [Member] | Wealth Management [Member] | Fees and commissions revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 462,679 475,447 339,538
Operating Segments [Member] | Wealth Management [Member] | Brokerage and trading revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 184,209 186,907 71,267
Operating Segments [Member] | Wealth Management [Member] | Trading Revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 121,854 134,511 20,332
Operating Segments [Member] | Wealth Management [Member] | Customer hedging revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 11,169 (102) 1,053
Operating Segments [Member] | Wealth Management [Member] | Retail brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 19,428 15,908 16,403
Operating Segments [Member] | Wealth Management [Member] | Insurance brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 10,679 12,879
Operating Segments [Member] | Wealth Management [Member] | Investment banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 31,758 25,911 20,600
Operating Segments [Member] | Wealth Management [Member] | Transaction card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 538 644 337
Operating Segments [Member] | Wealth Management [Member] | TransFund EFT network revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue (77) (69) (73)
Operating Segments [Member] | Wealth Management [Member] | Merchant services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Wealth Management [Member] | Corporate card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 615 713 410
Operating Segments [Member] | Wealth Management [Member] | Fiduciary and asset management revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 230,860 207,339 196,496
Operating Segments [Member] | Wealth Management [Member] | Personal trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 102,689 95,070 97,373
Operating Segments [Member] | Wealth Management [Member] | Corporate trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 37,524 31,228 23,775
Operating Segments [Member] | Wealth Management [Member] | Institutional trust & retirement plan services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 67,175 58,692 52,106
Operating Segments [Member] | Wealth Management [Member] | Investment management services and other [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 23,472 22,349 23,242
Operating Segments [Member] | Wealth Management [Member] | Deposit service charges and fees [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 2,748 2,314 2,144
Operating Segments [Member] | Wealth Management [Member] | Commercial account service charge revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 2,299 1,969 1,965
Operating Segments [Member] | Wealth Management [Member] | Overdraft fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 143 139 77
Operating Segments [Member] | Wealth Management [Member] | Check card fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess 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]      
Fess and commissions revenue 306 206 102
Operating Segments [Member] | Wealth Management [Member] | Mortgage banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Wealth Management [Member] | Mortgage production revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Wealth Management [Member] | Mortgage servicing revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Operating Segments [Member] | Wealth Management [Member] | Other revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 44,324 78,243 69,294
Funds Management and Other [Member] | Fees and commissions revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue (14,564) (52,395) (38,124)
Funds Management and Other [Member] | Brokerage and trading revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 1,774 3,317 9,987
Funds Management and Other [Member] | Trading Revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Funds Management and Other [Member] | Customer hedging revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 1,774 3,317 9,987
Funds Management and Other [Member] | Retail brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Funds Management and Other [Member] | Insurance brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Funds Management and Other [Member] | Investment banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Funds Management and Other [Member] | Transaction card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 365 435 398
Funds Management and Other [Member] | TransFund EFT network revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 6 6 6
Funds Management and Other [Member] | Merchant services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Funds Management and Other [Member] | Corporate card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 359 429 392
Funds Management and Other [Member] | Fiduciary and asset management revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 (21) (170)
Funds Management and Other [Member] | Personal trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Funds Management and Other [Member] | Corporate trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Funds Management and Other [Member] | Institutional trust & retirement plan services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Funds Management and Other [Member] | Investment management services and other [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 (21) (170)
Funds Management and Other [Member] | Deposit service charges and fees [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 2 3 5
Funds Management and Other [Member] | Commercial account service charge revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Funds Management and Other [Member] | Overdraft fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 5 3 5
Funds Management and Other [Member] | Check card fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess 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]      
Fess and commissions revenue (3) 0 0
Funds Management and Other [Member] | Mortgage banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue (2,972) (2,394) (2,033)
Funds Management and Other [Member] | Mortgage production revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0 0
Funds Management and Other [Member] | Mortgage servicing revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue (2,972) (2,394) (2,033)
Funds Management and Other [Member] | Other revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue $ (13,733) $ (53,735) $ (46,311)
[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.
v3.25.0.1
Fair Value Measurements, Fair Value Of Financial Instruments as Measured On a Recurring Basis (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
Assets [Abstract]        
Trading securities $ 4,899,090 $ 5,193,505    
Available for sale securities 12,851,600 12,286,681    
Fair value option securities 17,876 20,671    
Mortgage servicing rights 338,145 293,884 $ 277,608 $ 163,198
Derivative contracts, net of cash margin, Assets, Fair Value 242,809 410,304    
Liabilities [Abstract]        
Derivative contracts, net of cash margin, Liabilities, Fair Value 237,582 587,473    
U.S. government securities [Member]        
Assets [Abstract]        
Trading securities 21,275 10,959    
Residential agency mortgage-backed securities [Member]        
Assets [Abstract]        
Trading securities 4,792,695 5,105,137    
Available for sale securities 8,639,389 6,834,720    
Fair value option securities 17,876 20,671    
Municipal securities [Member]        
Assets [Abstract]        
Trading securities 62,230 37,413    
Available for sale securities 225,568 502,833    
U.S. Treasury [Member]        
Assets [Abstract]        
Available for sale securities 945 925    
Residential non-agency mortgage-backed securities [Member]        
Assets [Abstract]        
Available for sale securities 781,209 799,877    
Commercial agency mortgage-backed securities [Member]        
Assets [Abstract]        
Available for sale securities 3,204,016 4,147,853    
Other debt securities [Member]        
Assets [Abstract]        
Trading securities 22,890 39,996    
Available for sale securities 473 473    
Fair Value, Recurring [Member]        
Assets [Abstract]        
Trading securities 4,899,090 5,193,505    
Available for sale securities 12,851,600 12,286,681    
Residential mortgage loans held for sale 77,561 [1] 56,935 [2]    
Mortgage servicing rights 338,145 [3] 293,884 [4]    
Derivative contracts, net of cash margin, Assets, Fair Value 242,809 [5] 410,304 [6]    
Liabilities [Abstract]        
Derivative contracts, net of cash margin, Liabilities, Fair Value 237,582 [5] 587,473 [6]    
Fair Value, Recurring [Member] | U.S. government securities [Member]        
Assets [Abstract]        
Trading securities 21,275 10,959    
Fair Value, Recurring [Member] | Residential agency mortgage-backed securities [Member]        
Assets [Abstract]        
Trading securities 4,792,695 5,105,137    
Available for sale securities 8,639,389 6,834,720    
Fair value option securities 17,876 20,671    
Fair Value, Recurring [Member] | Municipal securities [Member]        
Assets [Abstract]        
Trading securities 62,230 37,413    
Available for sale securities 225,568 502,833    
Fair Value, Recurring [Member] | U.S. Treasury [Member]        
Assets [Abstract]        
Available for sale securities 945 925    
Fair Value, Recurring [Member] | Residential non-agency mortgage-backed securities [Member]        
Assets [Abstract]        
Available for sale securities 781,209 799,877    
Fair Value, Recurring [Member] | Commercial agency mortgage-backed securities [Member]        
Assets [Abstract]        
Available for sale securities 3,204,016 4,147,853    
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 22,890 39,996    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]        
Assets [Abstract]        
Trading securities 1,494 9,017    
Available for sale securities 945 925    
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 656 [5] 0 [6]    
Liabilities [Abstract]        
Derivative contracts, net of cash margin, Liabilities, Fair Value 3,391 [5] 2,607 [6]    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | U.S. government securities [Member]        
Assets [Abstract]        
Trading securities 1,494 9,017    
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 945 925    
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 4,897,596 5,184,488    
Available for sale securities 12,850,182 12,285,283    
Residential mortgage loans held for sale 70,564 [1] 49,749 [2]    
Mortgage servicing rights 0 [3] 0 [4]    
Derivative contracts, net of cash margin, Assets, Fair Value 242,153 [5] 410,304 [6]    
Liabilities [Abstract]        
Derivative contracts, net of cash margin, Liabilities, Fair Value 234,191 [5] 584,866 [6]    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | U.S. government securities [Member]        
Assets [Abstract]        
Trading securities 19,781 1,942    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Residential agency mortgage-backed securities [Member]        
Assets [Abstract]        
Trading securities 4,792,695 5,105,137    
Available for sale securities 8,639,389 6,834,720    
Fair value option securities 17,876 20,671    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Municipal securities [Member]        
Assets [Abstract]        
Trading securities 62,230 37,413    
Available for sale securities 225,568 502,833    
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 781,209 799,877    
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Commercial agency mortgage-backed securities [Member]        
Assets [Abstract]        
Available for sale securities 3,204,016 4,147,853    
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 22,890 39,996    
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 6,997 [1] 7,186 [2]    
Mortgage servicing rights 338,145 [3] 293,884 [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 81.11% 77.74%    
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 81.11% 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 77.74% 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 purposes.
v3.25.0.1
Fair Value Measurements, Fair Value Measured On a Nonrecurring Basis (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Other gains (losses), net $ 79,726 $ 56,795 $ 123
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 6,788 3,159  
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 0  
Other gains (losses), net (183) (1,108)  
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 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 683 0  
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 $ 2,116  
v3.25.0.1
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, 2024
Dec. 31, 2023
Discounted Cash Flow [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  
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   $ 23,225
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 $ 0
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 36.00% [1] 13.00% [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 36.00% [1] 90.00% [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 36.00% [1] 88.00% [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.
v3.25.0.1
Fair Value Measurements, Financial Instruments (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities $ 4,899,090 $ 5,193,505    
Investment securities 2,136,029 2,409,090    
Debt Securities, Held-to-maturity, Allowance for Credit Loss (223) [1] (336) [2]    
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss 2,135,806 2,408,754    
Available for sale securities 12,851,600 12,286,681    
Fair value option securities 17,876 20,671    
Residential mortgage loans held for sale 77,561 56,935    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 24,114,724 23,904,968    
Allowance for loan losses (280,035) (277,123) $ (235,704) $ (256,421)
Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss 23,834,689 23,627,845    
Mortgage servicing rights 338,145 293,884 277,608 163,198
Derivative contracts, net of cash margin, Assets, Fair Value 242,809 410,304    
Time deposits 3,535,410 3,012,022    
Subordinated debentures 131,200 131,150    
Derivative contracts, net of cash margin, Liabilities, Fair Value 237,582 587,473    
Commercial [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 15,030,136 14,803,769    
Allowance for loan losses (145,153) (141,232) (131,586) (162,056)
Commercial real estate [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 5,058,452 5,337,647    
Allowance for loan losses (91,072) (94,718) (57,648) (58,553)
Loans to individuals [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 4,026,136 3,763,552    
Allowance for loan losses (43,810) (41,173) $ (46,470) $ (35,812)
U.S. government securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 21,275 10,959    
Residential agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 4,792,695 5,105,137    
Investment securities 1,998,017 2,255,340    
Available for sale securities 8,639,389 6,834,720    
Fair value option securities 17,876 20,671    
Municipal securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 62,230 37,413    
Investment securities 104,467 120,705    
Available for sale securities 225,568 502,833    
U.S. Treasury [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Available for sale securities 945 925    
Residential non-agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Available for sale securities 781,209 799,877    
Commercial agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Investment securities 17,257 17,258    
Available for sale securities 3,204,016 4,147,853    
Other debt securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 22,890 39,996    
Investment securities 16,288 15,787    
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 1,043,969 947,613    
Interest-bearing cash and cash equivalents 390,732 400,652    
Trading securities 4,899,090 5,193,505    
Investment securities 2,017,448 2,244,489    
Debt Securities, Held-to-maturity, Allowance for Credit Loss (223) (336)    
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss 2,017,225 2,244,153    
Available for sale securities 12,851,600 12,286,681    
Fair value option securities 17,876 20,671    
Residential mortgage loans held for sale 77,561 56,935    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 24,114,724 23,904,968    
Allowance for loan losses (280,035) (277,123)    
Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss 23,834,689 23,627,845    
Mortgage servicing rights 338,145 293,884    
Derivative contracts, net of cash margin, Assets, Fair Value 242,809 410,304    
Deposits with no stated maturity 34,655,820 31,007,679    
Time deposits 3,535,410 3,012,022    
Other borrowed funds 4,322,979 8,824,300    
Subordinated debentures 131,200 131,150    
Derivative contracts, net of cash margin, Liabilities, Fair Value 237,582 587,473    
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 15,030,136 14,803,769    
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 5,058,452 5,337,647    
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 4,026,136 3,763,552    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | U.S. government securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 21,275 10,959    
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 4,792,695 5,105,137    
Investment securities 1,880,473 2,092,083    
Available for sale securities 8,639,389 6,834,720    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Municipal securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 62,230 37,413    
Investment securities 104,467 120,705    
Available for sale securities 225,568 502,833    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Other trading securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 22,890 39,996    
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 945 925    
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 781,209 799,877    
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 16,220 15,914    
Available for sale securities 3,204,016 4,147,853    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Other debt securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Investment securities 16,288 15,787    
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 1,043,969 947,613    
Interest-bearing cash and cash equivalents 390,732 400,652    
Trading securities 4,899,090 5,193,505    
Investment securities 1,817,929 2,072,586    
Debt Securities, Held-to-maturity, Allowance for Credit Loss 0 0    
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss 1,817,929 2,072,586    
Available for sale securities 12,851,600 12,286,681    
Fair value option securities 17,876 20,671    
Residential mortgage loans held for sale 77,561 56,935    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 23,709,546 23,768,385    
Allowance for loan losses 0 0    
Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss 23,709,546 23,768,385    
Mortgage servicing rights 338,145 293,884    
Derivative contracts, net of cash margin, Assets, Fair Value 242,809 410,304    
Deposits with no stated maturity 34,655,820 31,007,679    
Time deposits 3,522,242 2,993,685    
Other borrowed funds 4,323,174 8,824,299    
Subordinated debentures 121,057 115,798    
Derivative contracts, net of cash margin, Liabilities, Fair Value 237,582 587,473    
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 14,903,851 14,862,873    
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 4,933,396 5,270,657    
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 3,872,299 3,634,855    
Estimate of Fair Value Measurement [Member] | U.S. government securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 21,275 10,959    
Estimate of Fair Value Measurement [Member] | Residential agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 4,792,695 5,105,137    
Investment securities 1,680,800 1,917,810    
Available for sale securities 8,639,389 6,834,720    
Estimate of Fair Value Measurement [Member] | Municipal securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 62,230 37,413    
Investment securities 106,489 125,525    
Available for sale securities 225,568 502,833    
Estimate of Fair Value Measurement [Member] | Other trading securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Trading securities 22,890 39,996    
Estimate of Fair Value Measurement [Member] | U.S. Treasury [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Available for sale securities 945 925    
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 781,209 799,877    
Estimate of Fair Value Measurement [Member] | Commercial agency mortgage-backed securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Investment securities 15,357 15,067    
Available for sale securities 3,204,016 4,147,853    
Estimate of Fair Value Measurement [Member] | Other debt securities [Member]        
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]        
Investment securities 15,283 14,184    
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 1,043,969 947,613    
Interest-bearing cash and cash equivalents 390,732 400,652    
Trading securities 1,494 9,017    
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 945 925    
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 656 0    
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 3,391 2,607    
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 1,494 9,017    
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 945 925    
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 4,897,596 5,184,488    
Investment securities 1,723,114 1,959,366    
Debt Securities, Held-to-maturity, Allowance for Credit Loss 0 0    
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss 1,723,114 1,959,366    
Available for sale securities 12,850,182 12,285,283    
Fair value option securities 17,876 20,671    
Residential mortgage loans held for sale 70,564 49,749    
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 242,153 410,304    
Deposits with no stated maturity 0 0    
Time deposits 0 0    
Other borrowed funds 0 0    
Subordinated debentures 121,057 115,798    
Derivative contracts, net of cash margin, Liabilities, Fair Value 234,191 584,866    
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 19,781 1,942    
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 4,792,695 5,105,137    
Investment securities 1,680,800 1,917,810    
Available for sale securities 8,639,389 6,834,720    
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 62,230 37,413    
Investment securities 11,674 12,305    
Available for sale securities 225,568 502,833    
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 22,890 39,996    
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 781,209 799,877    
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 15,357 15,067    
Available for sale securities 3,204,016 4,147,853    
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 15,283 14,184    
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 94,815 113,220    
Debt Securities, Held-to-maturity, Allowance for Credit Loss 0 0    
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss 94,815 113,220    
Available for sale securities 473 473    
Fair value option securities 0 0    
Residential mortgage loans held for sale 6,997 7,186    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss 23,709,546 23,768,385    
Allowance for loan losses 0 0    
Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss 23,709,546 23,768,385    
Mortgage servicing rights 338,145 293,884    
Derivative contracts, net of cash margin, Assets, Fair Value 0 0    
Deposits with no stated maturity 34,655,820 31,007,679    
Time deposits 3,522,242 2,993,685    
Other borrowed funds 4,323,174 8,824,299    
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 14,903,851 14,862,873    
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 4,933,396 5,270,657    
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 3,872,299 3,634,855    
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 94,815 113,220    
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 $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.
[2] Carrying value includes $165 million of net unrealized loss which remains in AOCI in the Consolidated Balance Sheets related to certain securities transferred during the second quarter of 2022 from the Available for Sale securities portfolio to the Investment securities portfolio.
v3.25.0.1
Parent Company Only Financial Statements Parent Company Only Financial Statements, Condensed Balance Sheet Statement (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
Assets [Abstract]        
Loan to bank subsidiary $ 23,834,689 $ 23,627,845    
Other assets 1,135,085 1,070,282    
Total assets 49,685,892 49,824,830    
Liabilities [Abstract]        
Other liabilities 494,105 523,734    
Subordinated debentures 131,200 131,150    
Total liabilities 44,134,935 44,679,411    
Shareholders' equity: [Abstract]        
Common stock 5 5    
Capital surplus 1,429,628 1,406,745    
Retained earnings 5,592,100 5,211,512    
Treasury Stock, Value (970,340) (876,720)    
Accumulated other comprehensive loss (503,040) (599,100) $ (836,955) $ 72,371
Total shareholders’ equity 5,548,353 5,142,442    
Total liabilities and shareholders’ equity 49,685,892 49,824,830    
Parent Company [Member]        
Assets [Abstract]        
Cash and cash equivalents 276,046 203,808    
Loan to bank subsidiary 65,131 65,151    
Investment in bank subsidiary 5,130,141 4,785,453    
Investment in non-bank subsidiaries 196,199 216,200    
Other assets 19,486 17,984    
Total assets 5,687,003 5,288,596    
Liabilities [Abstract]        
Other liabilities 7,450 15,004    
Subordinated debentures 131,200 131,150    
Total liabilities 138,650 146,154    
Shareholders' equity: [Abstract]        
Common stock 5 5    
Capital surplus 1,429,628 1,406,745    
Retained earnings 5,592,100 5,211,512    
Treasury Stock, Value (970,340) (876,720)    
Accumulated other comprehensive loss (503,040) (599,100)    
Total shareholders’ equity 5,548,353 5,142,442    
Total liabilities and shareholders’ equity $ 5,687,003 $ 5,288,596    
v3.25.0.1
Parent Company Only Financial Statements Parent Company Only Financial Statements, Condensed Income Statements (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Condensed Income Statements, Captions [Line Items]      
Other operating expense $ 1,365,755 $ 1,332,881 $ 1,164,480
Other gains (losses), net 79,726 56,795 123
Federal and state income taxes 143,091 152,115 139,864
Net income attributable to BOK Financial Corp. shareholders 523,569 530,746 520,273
Parent Company [Member]      
Condensed Income Statements, Captions [Line Items]      
Total revenue 327,952 338,591 273,142
Interest expense 9,216 8,952 6,490
Other operating expense 3,196 5,674 3,005
Total expense 12,412 14,626 9,495
Net income before taxes, other losses, net, and equity in undistributed income of subsidiaries 315,540 323,965 263,647
Other gains (losses), net 2,112 32,656 (4,279)
Net income before taxes and equity in undistributed income of subsidiaries 317,652 356,621 259,368
Federal and state income taxes (2,390) 5,410 (1,776)
Net income before equity in undistributed income of subsidiaries 320,042 351,211 261,144
Equity in undistributed income of bank subsidiaries 226,271 181,487 300,330
Equity in undistributed income of non-bank subsidiaries (22,744) (1,952) (41,201)
Net income attributable to BOK Financial Corp. shareholders 523,569 530,746 520,273
Parent Company [Member] | Dividends, interest and fees received from bank susidiaries [Member]      
Condensed Income Statements, Captions [Line Items]      
Total revenue 304,515 329,429 228,689
Parent Company [Member] | Dividends, interest and fees received from non-bank subsidiaries [Member]      
Condensed Income Statements, Captions [Line Items]      
Total revenue 22,151 8,000 43,281
Parent Company [Member] | Other revenue [Member]      
Condensed Income Statements, Captions [Line Items]      
Total revenue $ 1,286 $ 1,162 $ 1,172
v3.25.0.1
Parent Company Only Financial Statements Parent Company Only Financial Statements, Condensed Cash Flow Statement (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Cash Flows From Operating Activities: [Abstract]      
Net income $ 523,553 $ 531,133 $ 520,293
Adjustments to reconcile net income to net cash provided by operating activities: [Abstract]      
Other gains, net 33,898 26,162 (846)
Change in other assets 106,972 89,930 13,205
Change in other liabilities 295,319 (79,733) 50,836
Net cash provided by operating activities 1,430,454 66,183 5,122,270
Cash Flows From Investing Activities: [Abstract]      
Sale of subsidiary 0 32,601 0
Net cash provided by (used in) investing activities (477,232) (1,791,264) (4,603,286)
Cash Flows From Financing Activities: [Abstract]      
Issuance of common and treasury stock, net (3,764) (4,941) (4,907)
Dividends paid (142,981) (143,398) (143,800)
Repurchase of common stock (89,856) (176,819) (154,887)
Net cash used in financing activities (866,786) 1,671,630 (1,954,678)
Net increase (decrease) in cash and cash equivalents 86,436 (53,451) (1,435,694)
Cash and cash equivalents at beginning of period 1,348,265 1,401,716 2,837,410
Cash and cash equivalents at end of period 1,434,701 1,348,265 1,401,716
Cash paid for interest 1,428,059 1,044,950 176,081
Parent Company [Member]      
Cash Flows From Operating Activities: [Abstract]      
Net income 523,569 530,746 520,273
Adjustments to reconcile net income to net cash provided by operating activities: [Abstract]      
Equity in undistributed income of bank subsidiaries (226,271) (181,487) (300,330)
Equity in undistributed income of non-bank subsidiaries 22,744 1,952 41,201
Other gains, net (2,112) (32,656) 4,279
Change in other assets (963) (1,986) (1,317)
Change in other liabilities (7,504) 13,404 543
Net cash provided by operating activities 311,389 333,945 267,283
Cash Flows From Investing Activities: [Abstract]      
Investment in subsidiaries (2,550) (2,975) (31,552)
Sale of subsidiary 0 (32,601) 0
Dissolution of subsidiaries 0 0 2,611
Net cash provided by (used in) investing activities (2,550) 29,626 (28,941)
Cash Flows From Financing Activities: [Abstract]      
Issuance of common and treasury stock, net (3,764) (4,941) (4,907)
Dividends paid (142,981) (143,398) (143,800)
Repurchase of common stock (89,856) (176,819) (154,887)
Net cash used in financing activities (236,601) (325,158) (303,594)
Net increase (decrease) in cash and cash equivalents 72,238 38,413 (65,252)
Cash and cash equivalents at beginning of period 203,808 165,395 230,647
Cash and cash equivalents at end of period 276,046 203,808 165,395
Cash paid for interest $ 9,626 $ 8,479 $ 6,203