BlastPoint's Banking Scorecard
BOKF, National Association
Tulsa, OK
116 branches across OK · TX · CO · NM · AZ · MO · AR · KS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 4 in OK.
- Deposits +4.0% year over year ($40.0B on the books).
- Delinquency rate 0.55%.
- Return on assets 1.23%.
- Efficiency ratio 62.01% vs a 53.67% peer average.
- Loan-to-deposit ratio 67.13% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
BOKF, National Association has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.47% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.16% below tier average
- - Net Interest Margin 1.00% below tier average
- - Efficiency Ratio 8.34% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$53.0B
+4.1% YoY
-0.9% QoQ
|
+$9.4B |
$43.6B
-13.8% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
78% |
| Total Loans ? |
$26.9B
+11.6% YoY
+3.5% QoQ
|
-$1.1B |
$28.0B
-8.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
73% |
| Total Deposits ? |
$40.0B
+4.0% YoY
+3.0% QoQ
|
+$4.6B |
$35.4B
-14.0% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
77% |
| Return on Assets ? |
1.23%
+16.7% YoY
+6.1% QoQ
|
-0.16% |
1.39%
+25.9% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
47% |
| Net Interest Margin ? |
2.92%
+1.1% YoY
+1.1% QoQ
|
-1.00% |
3.92%
+8.9% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
19% |
| Efficiency Ratio ? |
62.01%
-4.4% YoY
+0.6% QoQ
|
+8.34% |
53.67%
-1.9% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
23% |
| Delinquency Rate ? |
0.55%
-7.4% YoY
-1.7% QoQ
|
-0.47% |
1.01%
-2.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
67.13%
+7.4% YoY
+0.4% QoQ
|
-15.48% |
82.61%
+3.1% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Top 12.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.78%
-5.1% YoY
-0.4% QoQ
|
-0.80% |
20.58%
+4.9% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.28%
-1.6% YoY
+3.1% QoQ
|
-0.45% |
0.73%
+5.8% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
12.29%
-2.6% YoY
+3.3% QoQ
|
-3.06% |
15.35%
-0.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.65%
-1.2% YoY
+100.6% QoQ
|
+0.16% |
0.50%
+10.5% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
83% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.8%
-1.1pp YoY -0.1pp QoQ |
-1.3pp | 21.0% | 23.9% | 22.2% | 35% |
| Brokered Deposits |
4.7%
+0.6pp YoY +0.2pp QoQ |
-4.5pp | 9.2% | 9.7% | 8.5% | 43% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
35.2%
+1.6pp YoY +0.4pp QoQ |
+18.1pp | 17.2% | 15.7% | 12.5% | 93% |
| CRE |
42.2%
-2.6pp YoY -1.3pp QoQ |
+0.2pp | 42.0% | 42.0% | 41.4% | 47% |
| 1-4 Family |
12.0%
-0.3pp YoY -0.1pp QoQ |
-11.1pp | 23.1% | 24.0% | 31.3% | 22% |
| Consumer |
1.7%
-0.3pp YoY -0.1pp QoQ |
-11.2pp | 12.9% | 5.6% | 5.0% | 53% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.3%
-0.3pp YoY +0.4pp QoQ |
-3.0pp | 15.3% | 17.0% | 19.7% | 34% |
| Leverage Ratio |
9.3%
+0.2pp YoY +0.1pp QoQ |
-1.1pp | 10.4% | 11.7% | 12.6% | 22% |
| Total Capital Ratio |
14.2%
+0.5pp YoY +0.4pp QoQ |
-2.3pp | 16.5% | 18.2% | 20.8% | 52% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4,804
-83 (-1.7%) YoY +16 (+0.3%) QoQ |
+1,546 | 3,258 | 150 | 482 | 84% |
| Assets per Employee ($) |
$11.0M
+5.8% YoY -1.3% QoQ |
-$16.0M | $27.0M | $6.5M | $8.8M | 42% |
| Branch Count |
115
0 YoY 0 QoQ |
-23 | 137 | 8 | 18 | 59% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.4% | 0.9% | 0.4% | 82% |
| Nonaccrual |
0.2%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 0.7% | 1.5% | 1.0% | 13% |
| Allowance Coverage |
1.89x
-3.1% YoY -1.8% QoQ |
-0.92x | 2.81x | 61.99x | 20.23x | 55% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 0.4% | 0.2% | 0.2% | 8% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.6%
+1.6pp YoY +0.5pp QoQ |
-1.1pp | 12.6% | 11.9% | 11.6% | 55% |
| Cost of Funds (YTD) |
2.4%
-0.4pp YoY +0.1pp QoQ |
+0.4pp | 2.0% | 1.8% | 1.7% | 76% |
| Net Income ($, YTD) |
$324.8M
+22.7% YoY — QoQ |
+$28.0M | $296.8M | $8.7M | $40.4M | 74% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.