Total Assets
$52.0B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$39.7B
Customer-funded liabilities
Net Loans
$25.4B
Outstanding loan book
Net Income
$554M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
50th percentile nationally
1.10%
Return on Equity (ROE)
10.32%
Efficiency Ratio
64.16%
What the numbers say about BOKF, National Association
BOKF, National Association is an FDIC-insured institution (Certificate #4214) headquartered in Tulsa, Oklahoma, established in 1910. It holds $52.0B in total assets - 49th of 4,313 FDIC-insured banks, $39.7B in customer deposits, and $25.4B in net loans. Looking at capital strength, Tier 1 stands at 12.02%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.61%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (83/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
BOKF, National Association's asset base places it among the largest FDIC-insured institutions in the country, 49th of 4,313 nationally, and 1st of 172 banks headquartered in Oklahoma. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$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.
Top banks in Oklahoma by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is BOKF, National Association's health grade?▼
BOKF, National Association receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is BOKF, National Association?▼
BOKF, National Association holds $52.0B in total assets and $39.7B in deposits, ranking 49th of 4,313 FDIC-insured banks by asset size. It is headquartered in Tulsa, Oklahoma.
Is my money safe at BOKF, National Association?▼
Yes, deposits at BOKF, National Association (Certificate #4214) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is BOKF, National Association's Tier 1 Capital Ratio?▼
BOKF, National Association has a Tier 1 Capital Ratio of 12.02%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for BOKF, National Association?▼
BOKF, National Association has a Texas Ratio of 2.61%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is BOKF, National Association?▼
BOKF, National Association has an Efficiency Ratio of 64.16%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read BOKF, National Association's profile as a depositor or analyst.
- BOKF, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare BOKF, National Association against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.