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Examined: Sat, 25 Apr 2026 19:40:57 GMT

BOKF, National Association

RSSD 339858 · OK · Total assets $52,005M
Composite CAMELS
2
2 — Satisfactory
C
Capital
2
0 findings
A
Asset Quality
2
0 findings
M
Management
2
0 findings
E
Earnings
2
0 findings
L
Liquidity
3
1 finding
S
Sensitivity
2
0 findings
0
Critical
1
High
0
Moderate
0
Low
24
Procedures run

Findings

HIGH · Liquidity Procedure L-04

Cash and due-from coverage is unusually low

Citation
FFIEC Liquidity and Funds Management Handbook; OCC Comptroller's Handbook, Liquidity booklet
Evidence
Cash and balances at depositories $357M against total assets $49,466M. This is a narrow liquidity proxy (cash + interbank balances only) and excludes the institution's unencumbered securities portfolio, which is its primary liquidity buffer at normal sizing. Levels below 4% combined with weak alternative funding sources merit explicit Contingency Funding Plan review.
Recommended action
Provide a full liquidity position report including unencumbered securities (Treasuries, agency MBS), available FHLB / discount window collateral, and 30-day net cash outflow projections. Demonstrate the Contingency Funding Plan addresses scenarios where cash positions decline and securities cannot be sold without loss.

Key ratios computed

Tier 1 ratio
12.23%
↑ rank 21 of 33 · regional
Tier 1 leverage
9.26%
↑ rank 18 of 34 · regional
Total capital
13.25%
↑ rank 23 of 34 · regional
NPL ratio
0.41%
ACL coverage
282.21%
CRE concentration
79.68%
Construction conc.
34.44%
ROA (annualized)
1.06%
↑ rank 17 of 34 · regional
NIM
2.75%
↑ rank 26 of 34 · regional
Efficiency ratio
63.86%
↓ rank 25 of 34 · regional
Loans / Deposits
62.67%
Brokered / Deposits
5.46%
Uninsured / Deposits
51.13%
Liquid asset ratio
0.72%
HTM loss / Tier 1
—
Asset growth YoY
—

Trend — last 8 quarters

Total assets ($M)
$49,466M
23Q03$45,269M 23Q06$48,942M 23Q09$48,682M 23Q12$49,583M 24Q03$49,948M 24Q06$50,195M 24Q09$49,908M 24Q12$49,466M
Tier 1 leverage
9.26%
23Q039.37% 23Q069.12% 23Q098.90% 23Q128.86% 24Q038.92% 24Q068.84% 24Q099.09% 24Q129.26%
Tier 1 RBC ratio
12.23%
23Q0311.58% 23Q0611.41% 23Q0911.35% 23Q1211.37% 24Q0311.43% 24Q0611.50% 24Q0912.09% 24Q1212.23%
ROA (YTD ann.)
1.06%
23Q031.39% 23Q061.31% 23Q091.24% 23Q121.05% 24Q030.71% 24Q061.02% 24Q091.04% 24Q121.06%
NIM (YTD ann.)
2.75%
23Q033.46% 23Q063.24% 23Q093.10% 23Q123.01% 24Q032.67% 24Q062.67% 24Q092.71% 24Q122.75%
Efficiency ratio
63.9%
23Q0354.7% 23Q0655.8% 23Q0957.7% 23Q1261.6% 24Q0364.1% 24Q0664.0% 24Q0964.0% 24Q1263.9%

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