| Loans [Text Block] | Loans and Allowances for Credit Losses Loans Loans are either secured or unsecured based on the type of loan and the financial condition of the borrower. Repayment is generally expected from cash flow or proceeds from the sale of selected assets of the borrower. BOK Financial is exposed to risk of loss on loans due to the borrower's difficulties, which may arise from any number of factors, including problems within the respective industry or local economic conditions. Access to collateral, in the event of borrower default, is reasonably assured through adherence to applicable lending laws and through sound lending standards and credit review procedures. Accounting policies for all loans, excluding residential mortgage loans guaranteed by U.S. government agencies, are as follows. Interest is accrued at the applicable interest rate on the principal amount outstanding. Loans are placed on nonaccruing status when, in the opinion of management, full collection of principal or interest is uncertain. Internally risk graded loans are individually evaluated for nonaccruing status quarterly. Non-risk graded loans are generally placed on nonaccruing status when more than 90 days past due or within 60 days of being notified of the borrower's bankruptcy filing. Interest previously accrued but not collected is charged against interest income when the loan is placed on nonaccruing status. Accrued but not paid interest receivable is included in Receivables in the Consolidated Balance Sheets. Payments on nonaccruing loans are applied to principal or recognized as interest income, according to management's judgment as to the collectability of principal. Loans may be returned to accruing status when, in the opinion of management, full collection of principal and interest, including principal previously charged off, is probable based on improvements in the borrower's financial condition or a sustained period of performance. For loans acquired with no evidence of credit deterioration, discounts are accreted on either an individual basis for loans with unique characteristics or on a pool basis for groups of homogeneous loans. Accretion is discontinued when a loan with an individually attributed discount is placed on nonaccruing status. Modifications of loans to existing borrowers generally consist of interest rate reductions, extension of payment terms, or a combination of these. Modifications may arise either voluntarily through negotiations with the borrower or involuntarily through court order. Payment deferrals up to six months are generally considered to be short-term modifications. Generally, principal and accrued but unpaid interest are not voluntarily forgiven. A change to the allowance for credit losses is generally not recorded upon modification because the effect of most modifications made to borrowers experiencing financial difficulty is already included in the allowance methodology. Performing loans may be renewed under the current collateral value, debt service ratio, and other underwriting standards. Nonaccruing loans may be renewed and will remain classified as nonaccruing. Occasionally, loans, other than residential mortgage loans, may be held for sale in order to manage credit concentration. These loans are carried at the lower of cost or fair value with gains or losses recognized in Other gains (losses), net in the Consolidated Statements of Earnings. All loans are charged off when the loan balance or a portion of the loan balance is no longer supported by the paying capacity of the borrower or when the required cash flow is reduced in a modification. The charge-off amount is determined through a quarterly evaluation of available cash resources and collateral values. Internally risk graded loans are evaluated quarterly, and charge-offs are taken in the quarter in which the loss is identified. Non-risk graded loans that are past due between 60 days and 180 days, based on the loan product type, are charged off. Loans to borrowers whose personal obligation has been discharged through Chapter 7 bankruptcy proceedings are charged off within 60 days of notice of the bankruptcy filing, regardless of payment status. Loan origination and commitment fees and direct loan acquisition and origination costs are deferred and amortized as an adjustment to yield over the life of the loan or over the commitment period, as applicable. Amortization does not anticipate loan prepayments. Net unamortized fees are recognized in full at time of payoff. Qualifying residential mortgage loans guaranteed by U.S. government agencies have been sold into GNMA pools. Under certain performance conditions specified in government programs, the Company may have the right, but not the obligation to repurchase loans from GNMA pools. These loans no longer qualify for sale accounting and are recognized in the Consolidated Balance Sheets. We do not expect to receive all principal and interest based on the loan's contractual terms. A portion of the principal balance continues to be guaranteed; however, interest accrues at a curtailed rate as specified in the programs. The carrying value of these loans is reduced based on an estimate of the expected cash flows discounted at the original note rate plus a liquidity spread. Guaranteed loans may be modified in accordance with U.S. government agency guidelines. Interest continues to accrue based on the modified rate. Guaranteed loans may either be resold into GNMA pools after a performance period specified by the programs or foreclosed and conveyed to the guarantors. Loans are disaggregated into portfolio segments and further disaggregated into classes. The portfolio segment is the level at which the Company develops and documents a systematic method for determining its allowance for credit losses. Classes are a further disaggregation of portfolio segments based on the risk characteristics of the loans and the Company's method for monitoring and assessing credit risk. Portfolio segments of the loan portfolio are as follows (in thousands): September 30, 2024 December 31, 2023 Fixed Variable Non-accrual Total Fixed Variable Non-accrual Total Commercial $ 3,527,823 $ 11,298,427 $ 51,672 $ 14,877,922 $ 3,558,563 $ 11,135,075 $ 110,131 $ 14,803,769 Commercial real estate 652,104 4,524,187 12,364 5,188,655 791,757 4,538,570 7,320 5,337,647 Loans to individuals 2,536,744 1,361,461 20,279 3,918,484 2,282,914 1,452,620 28,018 3,763,552 Total $ 6,716,671 $ 17,184,075 $ 84,315 $ 23,985,061 $ 6,633,234 $ 17,126,265 $ 145,469 $ 23,904,968 Credit Commitments Commitments to extend credit are agreements to lend to a customer as long as there is no violation of conditions established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. At September 30, 2024, outstanding commitments totaled $14.6 billion. Because some commitments are expected to expire before being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. BOK Financial uses the same credit policies in making commitments as it does loans. The amount of collateral obtained, if deemed necessary, is based upon management's credit evaluation of the borrower. Standby letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party. Because the credit risk involved in issuing standby letters of credit is essentially the same as that involved in extending loan commitments, BOK Financial uses the same credit policies in evaluating the creditworthiness of the customer. Additionally, BOK Financial uses the same evaluation process in obtaining collateral on standby letters of credit as it does for loan commitments. The term of these standby letters of credit is defined in each commitment and typically corresponds with the underlying loan commitment. At September 30, 2024, outstanding standby letters of credit totaled $735 million. Allowances for Credit Losses and Accrual for Off-balance Sheet Credit Risk from Unfunded Loans Commitments The allowance for loan losses and accrual for off-balance sheet credit risk from unfunded loan commitments represent the portion of the amortized cost basis of loans that we do not expect to collect over the asset's contractual life, considering past events, current conditions, and reasonable and supportable forecasts of future economic conditions. The appropriateness of the allowance for credit losses, including industry and product adjustments, is assessed quarterly by a senior management Allowance Committee. This review is based on an ongoing evaluation of the estimated expected credit losses in the portfolio and on unused commitments to provide financing. A well-documented methodology has been developed and is applied by an independent Credit Administration department to assure consistency across the Company. The allowance for loan losses consists of specific allowances attributed to certain individual loans, generally nonaccruing loans, with dissimilar risk characteristics that have not yet been charged down to amounts we expect to recover and general allowances for estimated credit losses on pools of loans that share similar risk characteristics. When full collection of principal or interest is uncertain, the loan's risk characteristics have changed and we exclude the loan from the general allowance pool, typically designating it as nonaccruing. For these loans, a specific allowance reflects the expected credit loss. We measure specific allowances for loans excluded from the general allowance pool by an evaluation of estimated future cash flows discounted at the loan's initial effective interest rate or the fair value of collateral for certain collateral dependent loans. For a non-collateral dependent loan, the specific allowance is the amount by which the loan's amortized cost basis exceeds its net realizable value. We measure the specific allowance for collateral dependent loans as the amount by which the loan's amortized cost basis exceeds its fair value. When repayment is expected to be provided substantially through the sale of collateral, we deduct estimated selling costs from the collateral's fair value. Generally, for real property held as collateral for loans, third-party appraisals that conform to Uniform Standards of Professional Appraisal Practice serve as the basis for the fair value of real property held as collateral. These appraised values are on an "as-is" basis and generally are not adjusted by the Company. We obtain updated appraisals at least annually or more frequently if market conditions indicate collateral values may have declined. For energy loans, our internal staff of engineers generally determines collateral value of mineral rights based on projected cash flows from proven oil and gas reserves under existing economic and operating conditions. For real property held as collateral for other loans, third-party appraisals that conform to Uniform Standards of Professional Appraisal Practice generally serve as the basis for the fair value. These appraised values are on an "as-is" basis and generally are not adjusted by the Company. We obtain updated appraisals at least annually or more frequently if market conditions indicate collateral values may have declined. Our special assets staff generally determines the value of other collateral based on projected liquidation cash flows under current market conditions. We evaluate collateral values and available cash resources quarterly. Historical statistics may be used to estimate specific allowances in limited situations, such as when a collateral dependent loan is removed from the general allowance pool near the end of a reporting period until an appraisal of collateral value is received or a full assessment of future cash flows is completed. General allowances estimate expected credit losses on pools of loans sharing similar risk characteristics that are expected to occur over the loan's estimated remaining life. The loan's estimated remaining life represents the contractual term adjusted for amortization, estimates of prepayments, and borrower-owned extension options. Approximately 90% of the committed dollars in the loan portfolio is risk graded loans with general allowance model inputs that include probability of default, loss given default, and exposure at default. Probability of default is based on the migration of loans from performing to nonperforming using historical life of loan analysis periods. Loss given default is based on the aggregate losses incurred, net of estimated recoveries. Exposure at default represents an estimate of the outstanding amount of credit exposure at the time a default may occur. Charge-off migration is used to calculate the general allowance for the majority of non-risk graded loans to individuals. The expected credit loss on less than 10% of the committed dollars in the portfolio is calculated using charge-off migration. The expected credit loss on approximately 1% of the committed dollars in the portfolio is calculated using a non-modeled approach. Specifically, the calculation applies a long-term net charge-off rate to the loan balances, adjusted for the weighted average remaining maturity of each portfolio. In estimating the expected credit losses for general allowances on performing risk-graded loans, each portfolio class is assigned relevant economic loss drivers which best explain variations in portfolio net loss rates. The probability of default estimates for each portfolio class are adjusted for current and forecasted economic conditions. The result is applied to the exposure at default and loss given default to calculate the lifetime expected credit loss estimate. Selection of relevant economic loss drivers is re-evaluated periodically and involves statistical analysis as well as management judgment. The unemployment rate factors significantly in the allowance for loan losses calculation affecting commercial and loans to individuals segments. Other primary factors impacting the commercial portfolio include BBB corporate spreads, real gross domestic product growth rate, and energy commodity prices. The primary commercial real estate variables are vacancy rate and BBB corporate spreads. In addition to the unemployment rate, the forecast for loans to individuals is tied to a home price index. The forecasts may include regional economic factors when localized conditions diverge from national conditions. An Economic Forecast Committee, consisting of senior management with members largely independent of the allowance process, develops a twelve-month forward-looking forecast for the relevant economic loss drivers. Management develops these forecasts based on external data as well as a view of future economic conditions which may include adjustments for regional conditions. The forecast includes three economic scenarios and probability weights for each scenario. The base forecast represents management's view of the most likely outcome, while the downside forecast reflects reasonably possible worsening economic conditions, and the upside forecast projects reasonably possible improving conditions. At the end of the one-year reasonable and supportable forecast period, we transition from shorter-term expected losses to long-term loss averages for the loan's estimated remaining life. The difference between short-term loss forecasts and long-term loss averages is run-off over the reversion horizon, up to three years, depending on the forecasted economic scenarios. General allowances also consider the estimated impact of factors that are not captured in the modeled results or historical experience. These factors may increase or decrease modeled results by amounts determined by the Allowance Committee. Factors not captured in modeled results or historical experience may include for example, new lines of business, market conditions that have not been previously encountered, observed changes in credit risk that are not yet reflected in macro-economic factors, or economic conditions that impact loss given default assumptions. The accrual for off-balance sheet credit risk is maintained at a level that is appropriate to cover estimated losses associated with credit instruments that are not currently recognized as assets such as loan commitments, standby letters of credit, or guarantees that are not unconditionally cancelable by the bank. This accrual is included in other liabilities in the Consolidated Balance Sheets. The appropriateness of the accrual is determined in the same manner as the allowance for loan losses, with the added consideration of commitment usage over the remaining life for those loans that the bank can not unconditionally cancel. A provision for credit losses is charged against or credited to earnings in amounts necessary to maintain an appropriate Allowance for Credit Losses. Recoveries of loans previously charged off are added to the allowance when received. The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit is summarized as follows (in thousands): Three Months Ended September 30, 2024 Commercial Commercial Real Estate Loans to Individuals Total Allowance for loan losses: Beginning balance $ 150,737 $ 96,256 $ 40,833 $ 287,826 Provision for loan losses 918 (4,944) 602 (3,424) Loans charged off (856) — (1,640) (2,496) Recoveries of loans previously charged off 1,562 226 762 2,550 Ending balance $ 152,361 $ 91,538 $ 40,557 $ 284,456 Allowance for off-balance sheet credit risk from unfunded loan commitments: Beginning balance $ 17,316 $ 23,314 $ 1,706 $ 42,336 Provision for off-balance sheet credit risk 357 5,058 15 5,430 Ending balance $ 17,673 $ 28,372 $ 1,721 $ 47,766 Nine Months Ended September 30, 2024 Commercial Commercial Real Estate Loans to Individuals Total Allowance for loan losses: Beginning balance $ 141,232 $ 94,718 $ 41,173 $ 277,123 Provision for loan losses 19,670 (1,991) 2,005 19,684 Loans charged off (11,487) (1,455) (4,554) (17,496) Recoveries of loans previously charged off 2,946 266 1,933 5,145 Ending balance $ 152,361 $ 91,538 $ 40,557 $ 284,456 Allowance for off-balance sheet credit risk from unfunded loan commitments: Beginning balance $ 19,762 $ 27,439 $ 1,776 $ 48,977 Provision for off-balance sheet credit risk (2,089) 933 (55) (1,211) Ending balance $ 17,673 $ 28,372 $ 1,721 $ 47,766 Three Months Ended September 30, 2023 Commercial Commercial Real Estate Loans to Individuals Total Allowance for loan losses: Beginning balance $ 143,269 $ 76,347 $ 43,098 $ 262,714 Provision for loan losses 1,158 11,152 3,621 15,931 Loans charged off (6,769) (2,238) (1,586) (10,593) Recoveries of loans previously charged off 273 3,167 622 4,062 Ending balance $ 137,931 $ 88,428 $ 45,755 $ 272,114 Allowance for off-balance sheet credit risk from unfunded loan commitments: Beginning balance $ 20,294 $ 37,681 $ 1,965 $ 59,940 Provision for off-balance sheet credit risk (2,179) (5,076) (81) (7,336) Ending balance $ 18,115 $ 32,605 $ 1,884 $ 52,604 Nine Months Ended September 30, 2023 Commercial Commercial Real Estate Loans to Individuals Total Allowance for loan losses: Beginning balance $ 131,586 $ 57,648 $ 46,470 $ 235,704 Provision for loan losses 12,908 35,878 1,627 50,413 Loans charged off (9,578) (8,446) (4,285) (22,309) Recoveries of loans previously charged off 3,015 3,348 1,943 8,306 Ending balance $ 137,931 $ 88,428 $ 45,755 $ 272,114 Allowance for off-balance sheet credit risk from unfunded loan commitments: Beginning balance $ 18,246 $ 40,490 $ 2,183 $ 60,919 Provision for off-balance sheet credit risk (131) (7,885) (299) (8,315) Ending balance $ 18,115 $ 32,605 $ 1,884 $ 52,604 A $2.0 million provision for credit losses was necessary for the third quarter of 2024, reflecting continued strong credit quality, net loan paydowns, and relatively minor changes in economic forecast scenario assumptions. The allowance for loan losses and recorded investment of the related loans by portfolio segment for each measurement method at September 30, 2024, is as follows (in thousands): Collectively Measured Individually Measured Total Recorded Investment Related Allowance Recorded Investment Related Allowance Recorded Investment Related Commercial $ 14,826,250 $ 149,428 $ 51,672 $ 2,933 $ 14,877,922 $ 152,361 Commercial real estate 5,176,291 91,538 12,364 — 5,188,655 91,538 Loans to individuals 3,898,205 40,557 20,279 — 3,918,484 40,557 Total $ 23,900,746 $ 281,523 $ 84,315 $ 2,933 $ 23,985,061 $ 284,456 The allowance for loan losses and recorded investment of the related loans by portfolio segment for each measurement method at December 31, 2023, is as follows (in thousands): Collectively Measured Individually Measured Total Recorded Investment Related Allowance Recorded Investment Related Allowance Recorded Investment Related Commercial $ 14,693,638 $ 138,540 $ 110,131 $ 2,692 $ 14,803,769 $ 141,232 Commercial real estate 5,330,327 94,718 7,320 — 5,337,647 94,718 Loans to individuals 3,735,534 41,173 28,018 — 3,763,552 41,173 Total $ 23,759,499 $ 274,431 $ 145,469 $ 2,692 $ 23,904,968 $ 277,123 Credit Quality Indicators The Company utilizes risk grading as primary credit quality indicators as it influences the probability of default which is a key attribute in the expected credit losses calculation. Substantially all commercial as well as commercial real estate loans and certain loans to individuals are risk graded based on a quarterly evaluation of the borrowers' ability to repay the loans. Certain commercial loans and most loans to individuals are small, homogeneous pools that are not risk-graded. The credit quality of these loans is based on past due days in accordance with regulatory guidelines. We have included in the credit quality indicator "pass" loans that are in compliance with the original terms of the agreement and currently exhibit no factors that cause management to have doubts about the borrowers' ability to remain in compliance with the original terms of the agreement, which is consistent with the regulatory guideline of "pass." This also includes past due residential mortgages that are guaranteed by agencies of the U.S. government that continue to accrue interest based on criteria of the guarantors' programs. Other loans especially mentioned ("Special Mention") are currently performing in compliance with the original terms of the agreement but may have a potential weakness that deserves management's close attention, consistent with regulatory guidelines. Non-graded loans 30 to 59 days past due are categorized as Special Mention. The risk grading process identifies certain loans that have a well-defined weakness (for example, inadequate debt service coverage or liquidity or marginal capitalization; repayment may depend on collateral or other risk mitigation) that may jeopardize liquidation of the debt and represent a greater risk due to deterioration in the financial condition of the borrower. This is consistent with the regulatory guideline for "substandard." Because the borrowers are still performing in accordance with the original terms of the loan agreements, these loans remain on accruing status. Non-graded loans 60 to 89 days past due are categorized as Accruing Substandard. Nonaccruing loans represent loans for which full collection of principal and interest is uncertain. This includes certain loans considered "substandard" and all loans considered "doubtful" by regulatory guidelines. Non-graded loans 90 or more days past due are categorized as Nonaccrual. The probability of default is lowest for pass graded loans and increases for Special Mention and Accruing Substandard. Vintage represents the year of origination, except for revolving loans which are considered in aggregate. Loans that were once revolving but have converted to term loans without additional underwriting appear in a separate vintage column. The following table summarizes the Company’s loan portfolio at September 30, 2024, by the risk grade categories and vintage (in thousands): Origination Year 2024 2023 2022 2021 2020 Prior Revolving Loans Revolving Loans Converted to Term Loans Total Commercial: Healthcare Pass $ 442,818 $ 595,301 $ 951,875 $ 502,829 $ 355,731 $ 835,842 $ 259,118 $ 11 $ 3,943,525 Special Mention — 15,000 27,223 1,361 — 46,499 505 — 90,588 Accruing Substandard — — 5,249 17,932 57,966 16,728 1,154 — 99,029 Nonaccrual — — 104 2,094 — 13,729 — — 15,927 Total healthcare 442,818 610,301 984,451 524,216 413,697 912,798 260,777 11 4,149,069 Loans charged off, year-to-date — — — — — 7,240 — — 7,240 Services Pass 480,824 670,546 453,306 427,841 200,459 642,779 653,202 418 3,529,375 Special Mention — 1,729 135 739 447 9,186 15,150 — 27,386 Accruing Substandard — 768 6,623 21 1,485 5,435 1,152 — 15,484 Nonaccrual — — — — — — 1,425 — 1,425 Total services 480,824 673,043 460,064 428,601 202,391 657,400 670,929 418 3,573,670 Loans charged off, year-to-date — — — — 22 80 9 — 111 Energy Pass 145,706 86,682 40,426 2,618 7,199 19,736 2,782,432 — 3,084,799 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 12,850 — 12,850 Nonaccrual — — — — — 70 28,916 — 28,986 Total energy 145,706 86,682 40,426 2,618 7,199 19,806 2,824,198 — 3,126,635 General business Pass 585,622 655,994 320,646 184,779 121,167 347,249 1,699,086 1,692 3,916,235 Special Mention — 5,276 4,629 7,227 279 1,750 2,000 89 21,250 Accruing Substandard 1,063 15,527 46,749 5,200 1,193 6,523 9,474 — 85,729 Nonaccrual 168 — 994 — — 30 4,084 58 5,334 Total general business 586,853 676,797 373,018 197,206 122,639 355,552 1,714,644 1,839 4,028,548 Loans charged off, year-to-date — 27 1,465 — — 164 2,390 90 4,136 Total commercial 1,656,201 2,046,823 1,857,959 1,152,641 745,926 1,945,556 5,470,548 2,268 14,877,922 Commercial real estate: Pass 207,236 483,818 2,124,731 877,950 305,372 922,524 138,517 — 5,060,148 Special Mention — 352 14,907 32,131 — — — — 47,390 Accruing Substandard — — 37,158 — — 31,595 — — 68,753 Nonaccrual — 2,416 — — — 9,948 — — 12,364 Total commercial real estate 207,236 486,586 2,176,796 910,081 305,372 964,067 138,517 — 5,188,655 Loans charged off, year-to-date — — — — — 1,455 — — 1,455 Origination Year 2024 2023 2022 2021 2020 Prior Revolving Loans Revolving Loans Converted to Term Loans Total Loans to individuals: Residential mortgage Pass 384,583 365,415 298,108 326,216 321,928 251,578 383,530 22,040 2,353,398 Special Mention 54 246 69 158 — 85 1,424 — 2,036 Accruing Substandard 91 — — — — 31 1,049 — 1,171 Nonaccrual — 464 490 432 531 8,435 2,776 560 13,688 Total residential mortgage 384,728 366,125 298,667 326,806 322,459 260,129 388,779 22,600 2,370,293 Loans charged off, year-to-date — 43 — — — 11 9 — 63 Residential mortgage guaranteed by U.S. government agencies Pass — 1,997 2,925 2,456 3,486 110,363 — — 121,227 Nonaccrual — — — — 280 6,240 — — 6,520 Total residential mortgage guaranteed by U.S. government agencies — 1,997 2,925 2,456 3,766 116,603 — — 127,747 Personal Pass 195,101 168,303 161,189 123,890 108,652 163,097 497,801 86 1,418,119 Special Mention 13 — 54 24 1 8 — — 100 Accruing Substandard — — — 25 2 137 1,990 — 2,154 Nonaccrual — 6 21 7 5 8 24 — 71 Total personal 195,114 168,309 161,264 123,946 108,660 163,250 499,815 86 1,420,444 Loans charged off, year-to-date 1 4,280 69 47 42 7 — 26 20 4,491 Total loans to individuals 579,842 536,431 462,856 453,208 434,885 539,982 888,594 22,686 3,918,484 Total loans $ 2,443,279 $ 3,069,840 $ 4,497,611 $ 2,515,930 $ 1,486,183 $ 3,449,605 $ 6,497,659 $ 24,954 $ 23,985,061 1 Includes charge-offs on deposit overdrafts, which are generally charged off at 60 days past due. The following table summarizes the Company's loan portfolio at December 31, 2023, by the risk grade categories and vintage (in thousands): Origination Year 2023 2022 2021 2020 2019 Prior Revolving Loans Revolving Loans Converted to Term Loans Total Commercial: Healthcare Pass $ 650,768 $ 895,602 $ 590,736 $ 409,001 $ 331,897 $ 809,858 $ 281,378 $ 15 $ 3,969,255 Special Mention — — — 21,791 — 31,235 5 — 53,031 Accruing Substandard — 2,128 18,508 6,911 — 10,896 975 — 39,418 Nonaccrual — — — 30,290 23,129 28,110 — — 81,529 Total healthcare 650,768 897,730 609,244 467,993 355,026 880,099 282,358 15 4,143,233 Loans charged off, year-to-date — — — — 2,500 — — — 2,500 Services Pass 900,090 526,776 401,872 228,818 106,112 643,477 730,729 595 3,538,469 Special Mention — 1,085 1,520 1,341 534 4,522 81 — 9,083 Accruing Substandard — 13,712 178 326 3,972 3,746 3,108 13 25,055 Nonaccrual — — 1,635 338 — — 1,643 — 3,616 Total services 900,090 541,573 405,205 230,823 110,618 651,745 735,561 608 3,576,223 Loans charged off, year-to-date — — 3,060 — — — 2,642 — 5,702 Energy Pass $ 190,122 $ 100,006 $ 43,769 $ 7,876 $ 9,562 $ 11,583 $ 3,025,590 $ — $ 3,388,508 Special Mention — — — — — — 13,950 — 13,950 Accruing Substandard — — — — — — 16,800 — 16,800 Nonaccrual — — — — — 99 17,744 — 17,843 Total energy 190,122 100,006 43,769 7,876 9,562 11,682 3,074,084 — 3,437,101 General business Pass 942,468 436,832 224,735 138,951 101,100 287,744 1,389,128 2,164 3,523,122 Special Mention 10,264 16,167 8,420 1,253 321 8,295 897 — 45,617 Accruing Substandard 4,401 33,194 1,716 27 — — 31,992 — 71,330 Nonaccrual — 1,134 — — — 48 5,956 5 7,143 Total general business 957,133 487,327 234,871 140,231 101,421 296,087 1,427,973 2,169 3,647,212 Loans charged off, year-to-date — — 4,598 2 — 48 10 38 4,696 Total commercial 2,698,113 2,026,636 1,293,089 846,923 576,627 1,839,613 5,519,976 2,792 14,803,769 Commercial real estate: Pass 396,891 1,941,913 1,194,759 416,647 513,555 705,092 136,095 — 5,304,952 Special Mention — 476 — — — 19,171 — — 19,647 Accruing Substandard 2,992 — 3 — — 2,733 — — 5,728 Nonaccrual — — — — 7,170 150 — — 7,320 Total commercial real estate 399,883 1,942,389 1,194,762 416,647 520,725 727,146 136,095 — 5,337,647 Loans charged off, year-to-date — — — — — 8,446 — — 8,446 Origination Year 2023 2022 2021 2020 2019 Prior Revolving Loans Revolving Loans Converted to Term Loans Total Loans to individuals: Residential mortgage Pass 426,089 320,733 342,927 349,742 54,801 243,356 375,739 23,895 2,137,282 Special Mention 157 140 131 1,361 18 134 2,982 93 5,016 Accruing Substandard — 150 — — 37 49 50 — 286 Nonaccrual 79 1,419 237 544 344 12,381 2,387 665 18,056 Total residential mortgage 426,325 322,442 343,295 351,647 55,200 255,920 381,158 24,653 2,160,640 Loans charged off, year-to-date — — 51 4 — 17 — 1 73 Residential mortgage guaranteed by U.S. government agencies Pass 633 1,788 2,220 4,297 6,441 124,719 — — 140,098 Nonaccrual — — — 280 375 9,054 — — 9,709 Total residential mortgage guaranteed by U.S. government agencies 633 1,788 2,220 4,577 6,816 133,773 — — 149,807 Personal Pass 218,401 229,580 149,291 136,215 75,348 137,629 503,841 145 1,450,450 Special Mention 66 39 106 30 8 — 1,918 3 2,170 Accruing Substandard — 64 12 9 144 — 3 — 232 Nonaccrual 4 51 9 16 3 12 158 — 253 Total personal 218,471 229,734 149,418 136,270 75,503 137,641 505,920 148 1,453,105 Loans charged off, year-to-date 1 5,636 82 96 43 — 10 6 26 5,899 Total loans to individuals 645,429 553,964 494,933 492,494 137,519 527,334 887,078 24,801 3,763,552 Total loans $ 3,743,425 $ 4,522,989 $ 2,982,784 $ 1,756,064 $ 1,234,871 $ 3,094,093 $ 6,543,149 $ 27,593 $ 23,904,968 1 Includes charge-offs on deposit overdrafts, which are generally charged off at 60 days past due. Nonaccruing Loans A summary of nonaccruing loans at September 30, 2024, follows (in thousands): As of September 30, 2024 Total With No With Allowance Related Allowance Commercial: Healthcare $ 15,927 $ 15,927 $ — $ — Services 1,425 1,149 276 276 Energy 28,986 11,596 17,390 2,657 General business 5,334 5,334 — — Total commercial 51,672 34,006 17,666 2,933 Commercial real estate 12,364 12,364 — — Loans to individuals: Residential mortgage 13,688 13,688 — — Residential mortgage guaranteed by U.S. government agencies 6,520 6,520 — — Personal 71 71 — — Total loans to individuals 20,279 20,279 — — Total $ 84,315 $ 66,649 $ 17,666 $ 2,933 A summary of nonaccruing loans at December 31, 2023, follows (in thousands): As of December 31, 2023 Total With No With Allowance Related Allowance Commercial: Healthcare $ 81,529 $ 40,372 $ 41,157 $ 1,478 Services 3,616 1,684 1,932 1,214 Energy 17,843 17,843 — — General business 7,143 7,143 — — Total commercial 110,131 67,042 43,089 2,692 Commercial real estate 7,320 7,320 — — Loans to individuals: Residential mortgage 18,056 18,056 — — Residential mortgage guaranteed by U.S. government agencies 9,709 9,709 — — Personal 253 253 — — Total loans to ind |
