# BOK Financial Corporation competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/bok-financial/competitors
Last updated: Oct 19, 2026

*Part of the [BOK Financial Corporation AI strategy profile](https://www.bankingnewsai.com/banks/bok-financial). Peer group: Cullen/Frost Bankers, Arvest Bank, BancFirst Corporation, Commerce Bancshares, UMB Financial, Prosperity Bancshares, Texas Capital Bancshares, Zions Bancorporation.*

## Who are BOK Financial Corporation's competitors, and what are the alternatives?

BOK Financial's 2025 10-K, filed February 18, 2026, says it competes with banks, thrifts, credit unions and non-banks including investment banks and advisers, brokers, fintechs, mortgage brokers and insurers, and that some of them are less closely regulated. It is the largest financial institution in Oklahoma, with 14% of state deposits, 33% of Tulsa's and 13% of Oklahoma City's, where it faces 'two banks that have operations nationwide'; FDIC data show those are JPMorgan Chase and Bank of America, alongside Oklahoma rivals MidFirst (25.63% of Oklahoma City deposits), BancFirst and Arvest. Outside Oklahoma it is a challenger. Its 10-K puts its share at about 1% in Dallas-Fort Worth, under 1% in Houston and San Antonio, 13% in Albuquerque, about 3% in Denver and about 1% in Kansas City and Phoenix. In Texas it meets Frost, Texas Capital and Prosperity as well as the national banks; in Albuquerque, Bank of America (24.30%) and Wells Fargo (19.74%) lead; in Denver, Wells Fargo, Chase and FirstBank, now part of PNC; in Kansas City, Commerce and UMB. Its fee businesses face different rivals: its broker-dealer and $127 billion of assets under management or administration compete with brokerage and advisory firms such as Charles Schwab, and its 10-K names fintechs and credit unions in everyday banking, where Chime is the largest branchless rival. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Tulsa,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Oklahoma%20City,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Albuquerque,%20NM&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Denver-Aurora-Centennial,%20CO&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606220745PR_NEWS_USPRX____NE88394-1), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/schwab-schw-q1-2026-earnings-145425271.html), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results))

## What does BOK Financial say about its competition?

"BOK Financial and its reportable segments face competition from other banks, thrifts, credit unions, and other non-bank financial institutions such as investment banking firms, investment advisory firms, brokerage firms, investment companies, financial technology firms, government agencies, mortgage brokers, and insurance companies. The Company competes largely on the basis of customer services, interest rates on loans and deposits, lending limits, and customer convenience. Some operating segments face competition from institutions that are not as closely regulated as banks, and therefore are not limited by the same capital requirements and other restrictions." ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm))

"We are the largest financial institution in the state of Oklahoma with 14% of the state's total deposits. We have 33% and 13% of the market share in the Tulsa and Oklahoma City areas, respectively. We compete with two banks that have operations nationwide and have greater access to funds at lower costs, higher lending limits, and greater access to technology resources. We also compete with regional and locally-owned banks in both the Tulsa and Oklahoma City areas as well as in every other community in which we do business throughout the state." ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm))

"We compete against numerous financial institutions in the state of Texas, including some of the largest in the United States, and have a market share of approximately 1% in the Dallas-Fort Worth area and less than 1% in both the Houston area and San Antonio area. We have a 13% market share in the Albuquerque area and compete with four large national banks, some regional banks, and several locally-owned smaller community banks. Our market share is approximately 3% in the Denver area. Our market share is approximately 1% in the Kansas City, Kansas/Missouri area and approximately 1% in the Phoenix area. We serve Benton and Washington counties in Arkansas with a market share of less than 1%." (2025 Form 10-K, filed February 18, 2026; market shares are FDIC deposit data as of June 30, 2025.) ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm))

## Who competes with BOK Financial in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: Oklahoma | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Bank | One of the two nationwide banks BOK's 10-K says it meets in Tulsa and Oklahoma City; FDIC data put Chase at 7.66% of Oklahoma City deposits and 3.38% of Tulsa's (June 30, 2025). ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Oklahoma%20City,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Tulsa,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Oklahoma | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | The other nationwide bank in both Oklahoma metros, with 4.50% of Tulsa deposits and 7.00% of Oklahoma City's (June 30, 2025); BOK's 10-K says these rivals have greater access to technology resources. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Tulsa,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Oklahoma%20City,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm)) |
| Home region: Oklahoma | MidFirst Bank | Bank | The largest deposit holder in the Oklahoma City metro, with 25.63% through 33 offices against BOK's 12.67% (June 30, 2025). ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Oklahoma%20City,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Oklahoma | [BancFirst](https://www.bankingnewsai.com/banks/bancfirst) | Bank | Oklahoma City-based, with 109 Oklahoma locations in 62 communities; it holds 8.22% of Oklahoma City deposits and 4.35% of Tulsa's (June 2025) and agreed in June 2026 to buy Tulsa-based SpiritBank. ([BancFirst Corporation](https://bancfirst.bank/getContentAsset/559c5e54-8867-4117-b5f1-820cd9e0ca1e/582e10d9-e479-4901-9a67-7b8c0f57354b/2Q-2026-Press-release.pdf?language=en), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Oklahoma%20City,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Tulsa,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526266024/banf-20260610.htm)) |
| Home region: Oklahoma | [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | Bank | The second-largest deposit holder in Tulsa (7.33%, 25 offices) after BOK, with 2.72% of Oklahoma City (June 2025); Arvest reported $28.05 billion of assets on its June 2026 call report. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Tulsa,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Oklahoma%20City,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC](https://api.fdic.gov/banks/financials?filters=CERT%3A8728&fields=REPDTE%2CASSET%2CDEP%2CNUMEMP%2CNETINC&sort_by=REPDTE&sort_order=DESC&limit=4)) |
| Commercial banking in Texas and the Southwest | [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Bank | A member of BOK's 2025 performance peer group and a Texas-only commercial bank; in Dallas-Fort Worth Frost held 1.57% of deposits through 65 offices against BOKF's 0.98% through 20 (June 2025). ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000023/bokf-20260318.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Commercial banking in Texas and the Southwest | [Texas Capital Bancshares](https://www.bankingnewsai.com/banks/texas-capital) | Bank | A Dallas commercial bank in BOK's performance peer group, holding 1.97% of Dallas-Fort Worth deposits (June 2025), double BOKF's share there. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000023/bokf-20260318.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Commercial banking in Texas and the Southwest | [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | Bank | A Houston-based performance peer of BOK that completed its Stellar merger on July 1, 2026 with 363 locations, and held 0.89% of Dallas-Fort Worth deposits (June 2025). ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000023/bokf-20260318.htm), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Commercial banking in Texas and the Southwest | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Bank | One of the large national banks BOK's 10-K says it meets in Albuquerque, where Wells Fargo holds 19.74% of deposits; it also leads Denver with 20.95% (June 2025). ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Albuquerque,%20NM&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Denver-Aurora-Centennial,%20CO&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Commercial banking in Texas and the Southwest | [Zions Bancorporation](https://www.bankingnewsai.com/banks/zions) | Bank | Operates 407 branches in 11 Western states including Texas, Colorado, New Mexico and Arizona, four of BOK's states. ([Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm)) |
| Wealth management, trust and brokerage | [Charles Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | Broker or asset manager | A brokerage and investment-advisory firm of the kind BOK's 10-K names; BOK runs a broker-dealer and services about $127 billion of assets under management or administration. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/316709/000031670926000027/a2q26exhibit991.htm)) |
| Wealth management, trust and brokerage | [Commerce Trust (Commerce Bancshares)](https://www.bankingnewsai.com/banks/commerce) | Bank | A BOK performance peer in Kansas City with $94.5 billion of trust assets under administration (June 30, 2026), set against BOK's $39.7 billion of managed fiduciary assets at the end of 2025. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000023/bokf-20260318.htm), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/commerce-bancshares-inc-at-a-glance.pdf), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm)) |
| Wealth management, trust and brokerage | [UMB Financial](https://www.bankingnewsai.com/banks/umb) | Bank | A Kansas City-based BOK performance peer that holds 8.54% of Albuquerque deposits and 4.20% of Denver's (June 2025), two of BOK's markets; its UMB Fund Services unit joined iCapital's distributed-ledger network in June 2026. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000023/bokf-20260318.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Albuquerque,%20NM&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Denver-Aurora-Centennial,%20CO&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606220700BIZWIRE_USPRX____20260618_BW448798-1)) |
| Wealth management, trust and brokerage | [HilltopSecurities (Hilltop Holdings)](https://www.bankingnewsai.com/banks/hilltop) | Broker or asset manager | A Dallas broker-dealer active in public finance, competing with BOK Financial Securities, which BOK's 10-K says primarily engages in retail and institutional securities sales and municipal bond underwriting. ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [Business Wire (Yahoo Finance)](https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm)) |
| Retail deposits and everyday banking | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fintech | A financial technology firm of the kind BOK's 10-K names; Chime's own 10-K claims a cost advantage over traditional banks, and it had 10.4 million active members at June 30, 2026. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)) |
| Retail deposits and everyday banking | Credit unions | Credit union | BOK's 10-K lists credit unions among its competitors and notes that some rivals are not as closely regulated as banks. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm)) |
| Mortgage, mortgage finance and servicing | [Texas Capital (MAP)](https://www.bankingnewsai.com/banks/texas-capital) | Bank | Texas Capital launched MAP, a platform for financing, hedging, pricing, trading and transferring loans and servicing rights, in May 2026; BOK's CEO is counting on a new mortgage-finance unit that could reach $1 billion of commitments. ([Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm), [American Banker](https://www.americanbanker.com/news/bok-counting-on-mortgage-finance-for-a-boost-in-2026)) |
| Mortgage, mortgage finance and servicing | Mortgage brokers | Non-bank lender | BOK's 10-K names mortgage brokers among its competitors; its consumer segment includes all mortgage origination and servicing. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm)) |

## How do the AI and digital offerings of BOK Financial's competitors compare?

BOK Financial first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [BOK Financial Corporation (this page)](https://www.bankingnewsai.com/banks/bok-financial) | Not disclosed | [Index 41.8 (#69); 6 use cases, 4 in production](https://www.bankingnewsai.com/banks/bok-financial) | 18th for customer reputation (Aug 17, 2026) ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | LLM Suite for 150,000 weekly staff users; a consumer travel agent targeted for pilot before end-2026 ([JPMorganChase](https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-chase-lake-agentic-ai-commerce-adoption/822426)) | [Index 89 (#6); 15 use cases, 8 in production](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026) ([CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [American Banker](https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents)) |
| [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Erica virtual assistant: more than 24.6 million clients helped ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) | [Index 97.3 (#1); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/bank-of-america) | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026) ([U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0657), [Office of the Comptroller of the Currency](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html), [Banking Dive](https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915)) |
| MidFirst Bank | Not disclosed | No profile | Not disclosed |
| [BancFirst](https://www.bankingnewsai.com/banks/bancfirst) | Webex AI Agent for internal support (per Cisco) ([Cisco Webex (vendor blog)](https://blog.webex.com/customer-experience/webexone-2025-connected-intelligence-redefining-cx-with-new-innovations)) | [Index 11.3 (#101); 7 use cases, 6 in production](https://www.bankingnewsai.com/banks/bancfirst) | 10-Q lists AI among technology and competition risks (Aug 7, 2026) ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526339980/banf-20260630.htm)) |
| [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | Cloud migration with Google AI Code Assist and Gemini under review (April 2025) ([Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/)) | [Index 37.2 (#79); 11 use cases, 4 in production](https://www.bankingnewsai.com/banks/arvest) | Security engineer on agentic-AI risk (May 5, 2026) ([Trent AI (Business Wire)](https://www.businesswire.com/news/home/20260505309646/en/Trent-AI-Announces-AI-Security-Maturity-Model-for-Agentic-Era)) |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Contact-center copilot; Blend digital account opening (completion 50% to 80%) ([Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) | [Index 49.3 (#58); 9 use cases, 7 in production](https://www.bankingnewsai.com/banks/frost) | Blend 'Ecosystem Expander' award (Aug 27, 2026) ([Business Wire via Yahoo Finance](https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html)) |
| [Texas Capital Bancshares](https://www.bankingnewsai.com/banks/texas-capital) | Ranger multi-LLM platform used by about 80% of staff; agents in loan operations and fraud ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) | [Index 49.1 (#60); 12 use cases, 8 in production](https://www.bankingnewsai.com/banks/texas-capital) | Chief risk officer departs; chief credit officer steps in (Sep 16, 2026) ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm)) |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) | [Index 40 (#71); 8 use cases, 4 in production](https://www.bankingnewsai.com/banks/prosperity) | Q2 2026 10-Q repeats the AI risk bullet (Aug 6, 2026) ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm)) |
| [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Fargo virtual assistant: more than 1 billion interactions (March 2026) ([Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) | [Index 88.8 (#7); 16 use cases, 13 in production](https://www.bankingnewsai.com/banks/wells-fargo) | Q3 2026 call: AI agents in code, marketing, cyber, underwriting (Oct 13, 2026) ([PYMNTS](https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets), [Wells Fargo](https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf)) |
| [Zions Bancorporation](https://www.bankingnewsai.com/banks/zions) | Gemini-based enterprise AI platform; 56% of staff using generative AI (September 2025) ([American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation)) | [Index 59.6 (#48); 16 use cases, 10 in production](https://www.bankingnewsai.com/banks/zions) | Q2 2026 10-Q lists AI among emerging-technology risks (Aug 6, 2026) ([Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000111/zions-20260630.htm), [Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000083/zions-20260331.htm)) |
| [Charles Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | AI tools for all 33,000 employees; an AI Service Assistant transcribing about 60,000 live interactions a day ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/schwab-schw-q1-2026-earnings-145425271.html)) | [Index 80.7 (#19); 19 use cases, 15 in production](https://www.bankingnewsai.com/banks/charles-schwab) | How Charley was built: employee testing, confirmation before any change (Oct 8, 2026) ([Traders Magazine](https://www.tradersmagazine.com/featured_articles/charles-schwabs-amy-ruegg-ai-can-make-investing-easier-but-human-expertise-remains-key/)) |
| [Commerce Trust (Commerce Bancshares)](https://www.bankingnewsai.com/banks/commerce) | SS&C Advent Genesis, with embedded AI planned by SS&C (June 2026) ([Yahoo Finance (SS&C via Business Wire)](https://finance.yahoo.com/markets/stocks/articles/commerce-trust-goes-live-ss-130000154.html)) | [Index 34 (#84); 10 use cases, 6 in production](https://www.bankingnewsai.com/banks/commerce) | Nolan & Associates acquisition completed (Oct 1, 2026) ([Yahoo Finance (Commerce Bank via Business Wire)](https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html)) |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) | [Index 47.9 (#61); 10 use cases, 9 in production](https://www.bankingnewsai.com/banks/umb) | 'Playing with the big boys' (Aug 20, 2026) ([CNBC](https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html)) |
| [HilltopSecurities (Hilltop Holdings)](https://www.bankingnewsai.com/banks/hilltop) | Not disclosed | [Index 30.7 (#87); 9 use cases, 6 in production](https://www.bankingnewsai.com/banks/hilltop) | HilltopSecurities survey: 50% of public finance leaders use AI daily or weekly (Oct 7, 2026) ([Business Wire (Yahoo Finance)](https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html)) |
| [Chime](https://www.bankingnewsai.com/fintech/chime) | Jade, an in-app AI financial partner available to some members ([Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) | [8 use cases, 6 in production](https://www.bankingnewsai.com/fintech/chime) | Agreement to acquire Stride Bank (Sep 8, 2026) ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |
| Credit unions | Not disclosed | No profile | Not disclosed |
| [Texas Capital (MAP)](https://www.bankingnewsai.com/banks/texas-capital) | Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) | [Index 49.1 (#60); 12 use cases, 8 in production](https://www.bankingnewsai.com/banks/texas-capital) | Chief risk officer departs; chief credit officer steps in (Sep 16, 2026) ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm)) |
| Mortgage brokers | Not disclosed | No profile | Not disclosed |

## Who should look beyond BOK Financial, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want an in-app AI assistant | [Bank of America (Erica) or Wells Fargo (Fargo)](https://www.bankingnewsai.com/banks/bank-of-america) | BOK discloses no customer-facing AI. Erica helps more than 24.6 million clients and Fargo passed 1 billion interactions in March 2026; both banks have branches in BOK's markets. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Albuquerque,%20NM&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| People who need branches outside BOK's eight states | [JPMorgan Chase or Bank of America](https://www.bankingnewsai.com/banks/jpmorgan-chase) | BOK operates in Oklahoma, Texas, New Mexico, Arizona, Arkansas, Colorado, Kansas and Missouri. Chase reported 5,083 branches in 2025 and Bank of America runs 3,500 financial centers. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Texas customers who want a bank with deep local branch coverage | [Frost or Prosperity](https://www.bankingnewsai.com/banks/frost) | BOK's 10-K puts its share at about 1% in Dallas-Fort Worth and under 1% in Houston and San Antonio. Frost runs about 204 Texas financial centers and topped J.D. Power's Texas satisfaction study for a 17th year in 2026; Prosperity has 363 locations after Stellar. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000011/cfr-20251231.htm), [Frost Bank (PR Newswire)](https://www.prnewswire.com/news-releases/for-17th-consecutive-year-frost-bank-ranks-highest-in-the-jd-power-retail-banking-satisfaction-study-in-texas-302726413.html), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf)) |
| Customers who want an app-only checking account | [Chime](https://www.bankingnewsai.com/fintech/chime) | Chime's model avoids branches and ATMs; it had 10.4 million active members at June 30, 2026, and some members can use Jade, its in-app AI financial partner. ([Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) |
| Self-directed investors who want a national brokerage with AI service tools | [Charles Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | BOK's brokerage is a regional broker-dealer focused on retail and institutional sales and municipal underwriting. Schwab gives all 33,000 employees AI tools and reported 11.9 million daily average trades in Q2 2026. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/schwab-schw-q1-2026-earnings-145425271.html), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202607210730BIZWIRE_USPRX____20260721_BW955369-1)) |

## Where does BOK Financial rank by deposits in its main markets, and who leads there?

FDIC Summary of Deposits, June 30, 2025, by metropolitan area; BOK's 10-K rounds the same data to 33% in Tulsa, 13% in Oklahoma City and Albuquerque, about 3% in Denver and about 1% in Dallas-Fort Worth.

| Metro | BOKF share (offices) | BOKF rank | Other leaders |
| --- | --- | --- | --- |
| Tulsa | 32.74% (21) | 1st | Arvest 7.33%; Bank of America 4.50%; BancFirst 4.35%; Chase 3.38% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Tulsa,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Oklahoma City | 12.67% (15) | 2nd | MidFirst 25.63%; BancFirst 8.22%; Chase 7.66%; Bank of America 7.00%; Arvest 2.72% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Oklahoma%20City,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Albuquerque | 12.96% (12) | 3rd | Bank of America 24.30%; Wells Fargo 19.74%; U.S. Bank 8.64%; UMB 8.54%; BMO 5.77% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Albuquerque,%20NM&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Denver-Aurora-Centennial | 2.71% (13) | 8th | Wells Fargo 20.95%; Chase 14.62%; FirstBank 14.46%; U.S. Bank 12.69%; UMB 4.20% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Denver-Aurora-Centennial,%20CO&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Dallas-Fort Worth-Arlington | 0.98% (20) | 12th | Bank of America 20.54%; Chase 13.94%; Wells Fargo 3.43%; Texas Capital 1.97%; Frost 1.57% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |

## Which of BOK Financial's fee businesses face non-bank competition?

BOK's 10-K describes businesses beyond lending and deposits; the rivals named are those its competition section lists.

| Business | What BOK reports | Rival class named in the 10-K |
| --- | --- | --- |
| Brokerage and trading | BOK Financial Securities: retail and institutional securities sales and municipal bond underwriting; trading of agency mortgage-backed securities | Investment banking firms, brokerage firms ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm)) |
| Wealth and trust | About $127 billion of assets under management or administration; BOK Financial Private Wealth as adviser to high-net-worth clients | Investment advisory firms, investment companies ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm)) |
| Payments | TransFund EFT network, reported in Commercial Banking; $97.7 million of TransFund revenue in 2025 | Financial technology firms ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm)) |
| Mortgage | Origination and servicing in Consumer Banking; a mortgage-finance unit aimed at $1 billion of commitments | Mortgage brokers ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [American Banker](https://www.americanbanker.com/news/bok-counting-on-mortgage-finance-for-a-boost-in-2026)) |

## Common questions

### Who are BOK Financial's biggest competitors?

In Oklahoma, JPMorgan Chase and Bank of America (the two nationwide banks its 10-K describes), MidFirst, BancFirst and Arvest. In Texas, Frost, Texas Capital, Prosperity and the national banks. In Albuquerque and Denver, Bank of America, Wells Fargo, U.S. Bank, UMB and PNC's FirstBank; in Kansas City, Commerce and UMB. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Tulsa,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Oklahoma%20City,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Albuquerque,%20NM&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Denver-Aurora-Centennial,%20CO&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000023/bokf-20260318.htm))

### Is BOK Financial the largest bank in Oklahoma?

Yes, by its own 10-K: it is the largest financial institution in the state with 14% of deposits, and FDIC data put it first in Tulsa with 32.74%. In Oklahoma City it is second with 12.67%, behind MidFirst Bank's 25.63% (June 30, 2025). ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Tulsa,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Oklahoma%20City,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=))

### Is Arvest a competitor of BOK Financial?

Yes, in Tulsa, where Arvest is the second-largest deposit holder (7.33%) after BOK, and in Oklahoma City (2.72%), per FDIC data for June 2025. Arvest reported $28.05 billion of assets on its June 30, 2026 call report. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Tulsa,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Oklahoma%20City,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC](https://api.fdic.gov/banks/financials?filters=CERT%3A8728&fields=REPDTE%2CASSET%2CDEP%2CNUMEMP%2CNETINC&sort_by=REPDTE&sort_order=DESC&limit=4))

### How does BOK Financial compete in Texas?

As a small player: its 10-K puts its share at about 1% in Dallas-Fort Worth and under 1% in Houston and San Antonio. In Dallas-Fort Worth it holds 0.98% through 20 offices, behind Bank of America, Chase, Wells Fargo, Texas Capital and Frost (June 2025). ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=))

### Is Chime a competitor of BOK Financial?

By category, yes: BOK's 10-K lists financial technology firms among its competitors. Chime's 10-K says its digital model gives it a cost advantage over traditional banks, and it had 10.4 million active members at June 30, 2026. Neither names the other. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results))

### Who competes with BOK Financial in wealth management?

Its 10-K names investment advisory firms, brokerage firms and investment companies. Among banks, Commerce (with $94.5 billion of trust assets under administration) and UMB, both BOK performance peers; among non-banks, brokerages such as Charles Schwab and HilltopSecurities in municipal finance. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/commerce-bancshares-inc-at-a-glance.pdf), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000023/bokf-20260318.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/316709/000031670926000027/a2q26exhibit991.htm), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm))

### Who competes with BOK Financial in Denver and Albuquerque?

In Albuquerque, where BOK holds 12.96%, Bank of America (24.30%) and Wells Fargo (19.74%) lead, followed by U.S. Bank and UMB. In Denver, where BOK holds 2.71%, Wells Fargo, Chase, FirstBank and U.S. Bank lead; PNC converted FirstBank's customers and branches in June 2026. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Albuquerque,%20NM&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Denver-Aurora-Centennial,%20CO&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606220745PR_NEWS_USPRX____NE88394-1))

## Peers on this site

- [Cullen/Frost Bankers AI strategy](https://www.bankingnewsai.com/banks/frost) · [vs peers](https://www.bankingnewsai.com/banks/frost/vs-peers)
- [Arvest Bank AI strategy](https://www.bankingnewsai.com/banks/arvest) · [vs peers](https://www.bankingnewsai.com/banks/arvest/vs-peers)
- [BancFirst Corporation AI strategy](https://www.bankingnewsai.com/banks/bancfirst) · [vs peers](https://www.bankingnewsai.com/banks/bancfirst/vs-peers)
- [Commerce Bancshares AI strategy](https://www.bankingnewsai.com/banks/commerce) · [vs peers](https://www.bankingnewsai.com/banks/commerce/vs-peers)
- [UMB Financial AI strategy](https://www.bankingnewsai.com/banks/umb) · [vs peers](https://www.bankingnewsai.com/banks/umb/vs-peers)
- [Prosperity Bancshares AI strategy](https://www.bankingnewsai.com/banks/prosperity) · [vs peers](https://www.bankingnewsai.com/banks/prosperity/vs-peers)
- [Texas Capital Bancshares AI strategy](https://www.bankingnewsai.com/banks/texas-capital) · [vs peers](https://www.bankingnewsai.com/banks/texas-capital/vs-peers)
- [Zions Bancorporation AI strategy](https://www.bankingnewsai.com/banks/zions) · [vs peers](https://www.bankingnewsai.com/banks/zions/vs-peers)

## Sources

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22. Texas Capital Launches MAP — Texas Capital, May 18, 2026. https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm
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27. JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts — CNBC, Oct 13, 2026. https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html
28. JPMorgan CEO Dimon warns customers of 'liability transfer' with AI — Banking Dive, Oct 13, 2026. https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870
29. JPMorgan warns of risks to consumers who rely on AI agents — American Banker, Oct 13, 2026. https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents
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31. U.S. Treasury Announces Record Enforcement Actions Against Bank of America — U.S. Department of the Treasury, Oct 13, 2026. https://home.treasury.gov/news/press-releases/sb0657
32. OCC Imposes $750 Million Assessment Against Bank of America for Deficient BSA/AML Compliance — Office of the Comptroller of the Currency, Oct 13, 2026. https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html
33. BofA fined $1.21 billion over AML — Banking Dive, Oct 13, 2026. https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915
34. Webex AI Innovations Transform Customer Experience at WebexOne 2025 — Cisco Webex (vendor blog), Sep 30, 2025. https://blog.webex.com/customer-experience/webexone-2025-connected-intelligence-redefining-cx-with-new-innovations
35. BancFirst Corporation Form 10-Q for the quarterly period ended June 30, 2026 — BancFirst Corporation (SEC filing), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/760498/000119312526339980/banf-20260630.htm
36. Arvest Bank moves 40% of apps to cloud — Bank Automation News, Apr 4, 2025. https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/
37. Trent AI Announces AI Security Maturity Model for Agentic Era — Trent AI (Business Wire), May 5, 2026. https://www.businesswire.com/news/home/20260505309646/en/Trent-AI-Announces-AI-Security-Maturity-Model-for-Agentic-Era
38. Cullen/Frost Q2 2026 investor presentation (Form 8-K, Exhibit 99.1) — Cullen/Frost Bankers (SEC filings), Aug 17, 2026. https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm
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41. Texas Capital (TCBI) Q1 2026 Earnings Transcript — The Motley Fool (Yahoo Finance), Apr 23, 2026. https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html
42. Form 8-K: departure of Chief Risk Officer (Item 5.02) — SEC EDGAR, Sep 16, 2026. https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm
43. System Upgrade — Prosperity Bank, Feb 17, 2026. https://prosperitybankusa.com/system-upgrade
44. Customer letter: real-time processing system upgrade — Prosperity Bank, Jan 9, 2026. https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf
45. Prosperity Bancshares, Inc. Reports First Quarter 2026 Earnings — Prosperity Bancshares, Apr 29, 2026. https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf
46. Prosperity to acquire rival Houston bank in $2 billion deal — American Banker, Jan 28, 2026. https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal
47. Prosperity Bancshares (PB) Q2 2026 Earnings Call — Yahoo Finance, Aug 7, 2026. https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html
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49. Wells Fargo Reaches Major Digital Milestones — Wells Fargo (Business Wire), Mar 26, 2026. https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones
50. Wells Fargo Enhances Banking Capabilities Using AI and Digital Assets — PYMNTS, Oct 13, 2026. https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets
51. Wells Fargo Reports Third Quarter 2026 Net Income of $6.0 billion, or $1.87 per Diluted Share — Wells Fargo, Oct 13, 2026. https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf
52. Zions' revamped tech leadership team eyes AI, stablecoins — American Banker, Mar 10, 2026. https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins
53. The Most Powerful Women to Watch, No. 3, Jennifer Smith, Zions Bancorporation — American Banker, Sep 24, 2025. https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation
54. Zions Bancorporation, N.A. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Zions Bancorporation (SEC filings), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/109380/000010938026000111/zions-20260630.htm
55. Zions Bancorporation, N.A. Quarterly Report on Form 10-Q for the quarter ended March 31, 2026 — Zions Bancorporation (SEC filings), May 7, 2026. https://www.sec.gov/Archives/edgar/data/109380/000010938026000083/zions-20260331.htm
56. Charles Schwab's Amy Ruegg: AI Can Make Investing Easier, but Human Expertise Remains Key — Traders Magazine, Oct 8, 2026. https://www.tradersmagazine.com/featured_articles/charles-schwabs-amy-ruegg-ai-can-make-investing-easier-but-human-expertise-remains-key/
57. Commerce Trust Goes Live on SS&C Advent’s Genesis — Yahoo Finance (SS&C via Business Wire), Jun 4, 2026. https://finance.yahoo.com/markets/stocks/articles/commerce-trust-goes-live-ss-130000154.html
58. Commerce Bank Completes Acquisition of Investment Banking Firm Nolan & Associates — Yahoo Finance (Commerce Bank via Business Wire), Oct 1, 2026. https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html
59. The Most Powerful Women to Watch, No. 15, Uma Wilson, UMB Bank — American Banker, Sep 24, 2025. https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank
60. UMB's post-acquisition systems conversion set for October — American Banker, Jul 30, 2025. https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october
61. AI POV: Impacts on the markets and what the future may hold — UMB Financial, Mar 2, 2026. https://blog.umb.com/economy-ai-impacts-on-the-markets/
62. This Kansas City regional bank is playing with the big boys. JPMorgan sees big gains ahead — CNBC, Aug 20, 2026. https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html
63. What is Jade Financial Partner? (help centre, retrieved 2026-09-23) — Chime, Sep 23, 2026. https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341
64. Chime Announces Agreement to Acquire Stride Bank — Chime, Sep 8, 2026. https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank
65. A Look Ahead with Rob C. Holmes — 2026 — Texas Capital, Jan 7, 2026. https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026
66. Texas Capital Appoints Mo Jamous as Chief Digital and Information Officer — Texas Capital, Jul 13, 2026. https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer
67. JPMorgan Chase & Co. Annual Report on Form 10-K for the year ended December 31, 2025 — JPMorgan Chase & Co. (SEC filings), Feb 13, 2026. https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm
68. Cullen/Frost Bankers Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Cullen/Frost Bankers (SEC filings), Feb 5, 2026. https://www.sec.gov/Archives/edgar/data/39263/000003926326000011/cfr-20251231.htm
69. For 17th consecutive year, Frost Bank ranks highest in the J.D. Power Retail Banking Satisfaction Study in Texas — Frost Bank (PR Newswire), Mar 26, 2026. https://www.prnewswire.com/news-releases/for-17th-consecutive-year-frost-bank-ranks-highest-in-the-jd-power-retail-banking-satisfaction-study-in-texas-302726413.html
70. Schwab Reports Record Quarterly Revenue and Earnings — Business Wire via FT Markets, Jul 21, 2026. https://markets.ft.com/data/announce/full?dockey=600-202607210730BIZWIRE_USPRX____20260721_BW955369-1

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