Bokf National Assn: Bank Stress & Real-Estate Credit Exposure

Bokf National Assn (FDIC Cert #4214) carries a DLRadar bank-stress score of 63/100, a elevated reading of the credit and balance-sheet pressure weighing on the institution. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Its lending reaches counties such as Harris County, TX, Maricopa County, AZ, Dallas County, TX, Bexar County, TX, each tied back to DLRadar's distress signals. Read against its 32-county reach, a elevated score sets the credit tone for every market on its map. Bokf National Assn is part of a publicly traded group, trading under ticker BOKF via Bok Financial Corp, so its disclosures are public and its stress trajectory is externally verifiable. Bokf National Assn's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. The value is in the linkage: Bokf National Assn's elevated reading is mapped onto 1,148 ZIP codes and 32 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Bokf National Assn runs a mid-sized, multi-state real-estate lending footprint — 32 U.S. counties across 8 states, spanning 1,148 ZIP codes. The deepest footprints are Oklahoma (10 counties), Texas (8 counties), Colorado (5 counties), New Mexico (4 counties). The Bokf National Assn score updates as fresh FDIC call reports post each quarter, so its 63/100 reading and 32-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Bokf National Assn is directly comparable to any lender in the country. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later.

The acquisition angle is simple — lending capacity is what moves deals. As Bokf National Assn tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. That lets you move ahead of the market, with each number sourced from public federal filings.