FDIC Cert #4214 · Tulsa, Oklahoma · Est. 1910

BOKF, National Association - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$52.0B
Total assets
A
Health grade · Excellent
1.10%
Return on assets
12.0%
Tier 1 capital

Data updated July 2026

The verdict

BOKF, National Association earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.02% Tier 1, profitable at 1.10% ROA, 64% efficiency ratio.

#49
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
12.02%
Tier 1 ratio - above the 10% well-capitalized line
50th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 4214 · OK A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1516/4307
  • PHOTO-FINISH The First National B… · SD
  • TIER1-WELL 12.0% Tier 1
  • TEXAS-CLEAN 2.6% Texas
  • ROA-PAR 1.10% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: The First National Bank in Sioux Falls, SD (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around BOKF

Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100BOKF, National Assoc… · OK ·…83/100Springs Valley Bank… · IN · …83/100The Bradford Nationa… · IL ·…83/100The First National B… · IL ·…83/100The First National B… · SD ·…83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around BOKF · July 2026

What BOKF's Call Report plate shows

BOKF, National Association (FDIC Cert #4214) carries a PlainBankData health grade of A at 83/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,516 of 4,307. Tier 1 capital prints at 12.02%, clearing the 10% well-capitalized line. The Texas Ratio is 2.61%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.10%. Balance-sheet scale is $52.0B, 49th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First National Bank in Sioux Falls (SD), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around BOKF

8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)

BOKF, National Association's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; BOKF, National Association remains an active FDIC-insured reporter.

  • FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
  • THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
  • THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.

How BOKF, National Association's 83/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10083/100
BOKF, National Association's composite health score
Tier 1 Capital Ratio (12.02%) 35/40
Return on Assets (ROA) (1.10%) 20/25
Texas Ratio (2.61%) 20/20
Efficiency Ratio (64.16%) 8/15

83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$52.0B

Total balance-sheet footings

Total Deposits

$39.7B

Customer-funded liabilities

Net Loans

$25.4B

Outstanding loan book

Net Income

$554M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.62% 12.02% 13.42%
Basel III capital ratios - BOKF, National Association

Where BOKF, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. BOKF, National Association's score of 83/100 falls in the highlighted band.

BOKF, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 35% higher than 65% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. BOKF 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

BOKF, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). BOKF, National Association's $52.0B falls in the highlighted band.

Safety ratios for BOKF

Tier 1 capital ratio
Well-capitalized 10%

12.02% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.02%
Texas Ratio
2.61%
Equity Capital
$5.5B

What these ratios mean →

Earnings posture at BOKF

Return on Assets (ROA)
50th percentile nationally
1.10%
Return on Equity (ROE)
10.32%
Efficiency Ratio
64.16%

What these mean →

Income & expense at BOKF

$2.5B
Interest Income
$683M
Non-Interest Income
$1.3B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. BOKF, National Association reports a Texas Ratio of 2.61% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.61% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View BOKF, National Association on FDIC BankFind →

Top banks in Oklahoma by total assets

Largest banks headquartered in Oklahoma
  1. 1
    BOKF $52.0B

    Tulsa, OK · Grade A

  2. 2
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  3. 3
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    InterBank $5.5B

    Oklahoma City, OK · Grade B

Top 5 banks in Oklahoma ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to BOKF, National Association by assets

BOKF, National Association is closely matched in total assets by Frost Bank, First National Bank of Pennsylvania, Barclays Bank Delaware, SoFi Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.23%, versus BOKF, National Association's own 1.10%; the average efficiency ratio is 59.39%, versus 64.16% here; and average Tier 1 capital sits at 13.21%, versus 12.02% at BOKF, National Association. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $52.0B in assets, BOKF, National Association has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to BOKF, National Association nationally by total assets
  1. 1
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  2. 2
    First National Bank of Pennsylvania $50.0B

    Greenville, PA · Grade A

  3. 3
    Barclays Bank Delaware $47.6B

    Wilmington, DE · Grade B

  4. 4
    SoFi Bank $46.6B

    Cottonwood Heights, UT · Grade A

  5. 5
    Pinnacle Bank $57.6B

    Nashville, TN · Grade A

  6. 6
    EverBank $46.0B

    Jacksonville, FL · Grade B

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
BOKF, National Association (this bank) OK $52.0B 1.10% 64.16% 12.02%
Frost Bank TX $53.1B 1.26% 62.53% 14.33%
First National Bank of Pennsylvania PA $50.0B 1.29% 51.65% 11.37%
Barclays Bank Delaware DE $47.6B 0.87% 64.66% 13.63%
SoFi Bank, National Association UT $46.6B 1.96% 68.09% 16.44%
Pinnacle Bank TN $57.6B 1.25% 53.06% 11.13%
EverBank, National Association FL $46.0B 0.72% 56.37% 12.37%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($52.0B here), outside Oklahoma so the neighborhood is not state containment.

Frost Bank $53.1B · TX First National Bank of Pennsylvania $50.0B · PA Barclays Bank Delaware $47.6B · DE SoFi Bank $46.6B · UT

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) BOKF, National Association (FDIC Cert #4214) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

BOKF, National Association Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oklahoma

All Oklahoma banks →
BankAssetsGradeROA
MidFirst BankOklahoma City $41.4B B 1.19%
First United Bank and Trust CompanyDurant $16.3B B 0.97%
BancFirstOklahoma City $12.1B A 1.79%
InterBankOklahoma City $5.5B B 3.60%
Stride Bank, National AssociationEnid $4.9B A 2.10%
RCB BankClaremore $4.1B A 1.32%
First Fidelity BankOklahoma City $2.9B B 0.94%
Armstrong BankMuskogee $2.7B A 1.25%