What is the long-term trend for BOK Financial's commercial — provision for credit losses?

Over 4 years (2021 to 2025), BOK Financial's commercial — provision for credit losses has grown at a -42.1% compound annual growth rate (CAGR), from $33.06M to $3.72M.

What does commercial — provision for credit losses mean?

An expense set aside by the commercial banking segment to cover anticipated future losses on its loan portfolio. It reflects management's assessment of credit risk and the probability of default among commercial borrowers.

BOK Financial BOKF Commercial — Provision for Credit Losses

Discontinued — last reported Q4 '25

Other segment segments

Consumer Banking

$1.51M—

Wealth Management

$496K+6,300%

Commercial Banking

$400K—

Similar metrics at other companies

HBANCommercial Banking — Provision for Credit Losses

$38M-44.1%

FITBCommercial Banking — Provision for (benefit from) credit losses

$158M+97.5%

CBSHCommercial segment — Provision for Credit Losses

$5.7M+971%

FCNCACommercial Bank — Provision for Credit Losses

$55M-49.1%

KEYCommercial Bank — Provision for Credit Losses

$70M-6.7%

VLYCommercial Banking — Provision for Credit Losses

$20.04M-71.9%

Other financials

Income statement

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Revenue$553.8M+10.3%

Net income$155.8M+30.0%

EPS (diluted)$2.58+38.7%

Balance sheet

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Cash & equivalents$1.4B-0.3%

Total debt$228.1M-8.3%

Total equity$6.0B+3.5%

Total assets$53.8B+6.5%

Cash flow

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Operating cash flow-$248.7M-1,327%

CapEx$35.7M-25.9%

Free cash flow-$284.4M-917%

Valuation

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Market cap$7.92B+16.2%

P/E12.9×+0.7×

P/S3.6×+0.3×

Profitability

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Net margin27.6%+0.9pp

FCF margin64.7%+51.6pp

Returns & leverage

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Return on equity10.5%+0.2pp

Debt / equity0×0.0×

Where this comes from

Reported directly by BOK Financial in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanLeaseAndOtherLosses.

The official record: BOK Financial’s 10-K, filed February 18, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is BOK Financial's commercial — provision for credit losses?: BOK Financial (BOKF) reported commercial — provision for credit losses of $929K in Q4 2025.
What is the long-term trend for BOK Financial's commercial — provision for credit losses?: Over 4 years (2021 to 2025), BOK Financial's commercial — provision for credit losses has grown at a -42.1% compound annual growth rate (CAGR), from $33.06M to $3.72M.
What does commercial — provision for credit losses mean?: An expense set aside by the commercial banking segment to cover anticipated future losses on its loan portfolio. It reflects management's assessment of credit risk and the probability of default among commercial borrowers.