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  <xs:element id="bokf_ResidentialMortgageLoansHeldForSaleUnpaidPrincipalBalanceGross" abstract="false" name="ResidentialMortgageLoansHeldForSaleUnpaidPrincipalBalanceGross" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_FairValueofResidentialMortgageLoansHeldforSale" abstract="false" name="FairValueofResidentialMortgageLoansHeldforSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_MortgageBankingRevenueAbstract" abstract="true" name="MortgageBankingRevenueAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bokf_NetChangeInUnrealizedGainLossOnMortgageLoansHeldForSale" abstract="false" name="NetChangeInUnrealizedGainLossOnMortgageLoansHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_Changeinfairvalueofmortgageloancommitments" abstract="false" name="Changeinfairvalueofmortgageloancommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_Changeinthefairvalueofforwardsalescommitments" abstract="false" name="Changeinthefairvalueofforwardsalescommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_MortgageProductionRevenue" abstract="false" name="MortgageProductionRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_MortgageServicingFees" abstract="false" name="MortgageServicingFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_MortgageBankingRevenue" abstract="false" name="MortgageBankingRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_SummaryOfMortgageServicingRightsAbstract" abstract="true" name="SummaryOfMortgageServicingRightsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bokf_ResidentialMortgageLoansServicedNumberOfLoans" abstract="false" name="ResidentialMortgageLoansServicedNumberOfLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="bokf_ResidentialMortgageLoansServicedOutstandingPrincipal" abstract="false" name="ResidentialMortgageLoansServicedOutstandingPrincipal" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_WeightedAverageInterestRateofLoansServicedforOthers" abstract="false" name="WeightedAverageInterestRateofLoansServicedforOthers" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bokf_ResidentialMortgageLoansServicedWeightedAverageRemainingTerm" abstract="false" name="ResidentialMortgageLoansServicedWeightedAverageRemainingTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bokf_ServicingAssetAtFairValueAcquisitions" abstract="false" name="ServicingAssetAtFairValueAcquisitions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_ChangeInFairValueDueToLoanRunoff" abstract="false" name="ChangeInFairValueDueToLoanRunoff" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValuePerformingLoanServiceCostMinimum" abstract="false" name="ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValuePerformingLoanServiceCostMinimum" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValuePerformingLoanServiceCostMaximum" abstract="false" name="ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValuePerformingLoanServiceCostMaximum" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValueDelinquentLoanServiceCostMinimum" abstract="false" name="ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValueDelinquentLoanServiceCostMinimum" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValueDelinquentLoanSvcCostMaximum" abstract="false" name="ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValueDelinquentLoanSvcCostMaximum" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValueForeclosureLoanServiceCostMinimum" abstract="false" name="ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValueForeclosureLoanServiceCostMinimum" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValueForeclosureLoanServiceCostMaximum" abstract="false" name="ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValueForeclosureLoanServiceCostMaximum" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValueEscrowEarningsRate" abstract="false" name="ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValueEscrowEarningsRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bokf_Primarysecondarymortgageratespread" abstract="false" name="Primarysecondarymortgageratespread" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="bokf_ServicingAssetsandServicingLiabilitiesatFairValueAssumptionsUsedtoEstimateFairValueDelinquencyRate" abstract="false" name="ServicingAssetsandServicingLiabilitiesatFairValueAssumptionsUsedtoEstimateFairValueDelinquencyRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bokf_MisuseofRevenuesPledgedtoMunicipalBondsMember" abstract="true" name="MisuseofRevenuesPledgedtoMunicipalBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_BankParticipationinFraudulentSaleofSecuritiesbyPrincipalsMember" abstract="true" name="BankParticipationinFraudulentSaleofSecuritiesbyPrincipalsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_Disgorgedfees" abstract="false" name="Disgorgedfees" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_Principalamountofenteredjudgmentagainsttheprincipalindividualandhiswife" abstract="false" name="Principalamountofenteredjudgmentagainsttheprincipalindividualandhiswife" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_Prejudgmentinterestamountofenteredjudgmentagainsttheprincipalindividualandhiswife" abstract="false" name="Prejudgmentinterestamountofenteredjudgmentagainsttheprincipalindividualandhiswife" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_Outstandingprincipalaccruedinterestandotheramountsuponsaleoffacilitiessecuringpaymentofthebonds" abstract="false" name="Outstandingprincipalaccruedinterestandotheramountsuponsaleoffacilitiessecuringpaymentofthebonds" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_VisaMembershipMember" abstract="true" name="VisaMembershipMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_NumberOfVisaClassCSharesIn2026ExchangeForClassB2Shares" abstract="false" name="NumberOfVisaClassCSharesIn2026ExchangeForClassB2Shares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bokf_NumberOfVisaClassASharesVisaClassCSharesAreConvertibleTo" abstract="false" name="NumberOfVisaClassASharesVisaClassCSharesAreConvertibleTo" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bokf_NumberOfVisaClassB3SharesIn2026ExchangeForClassB2Shares" abstract="false" name="NumberOfVisaClassB3SharesIn2026ExchangeForClassB2Shares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bokf_CommonStockVisaClassB2SharesOwned" abstract="false" name="CommonStockVisaClassB2SharesOwned" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bokf_VisaClassB2ConversionRate" abstract="false" name="VisaClassB2ConversionRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="bokf_A2024PotentialExchangeOfferProgramConversionPercentage" abstract="false" name="A2024PotentialExchangeOfferProgramConversionPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bokf_O2026Q2DividendsMember" abstract="true" name="O2026Q2DividendsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_ScheduleOfAccumulatedOtherComprehensiveIncomeRollForward" abstract="true" name="ScheduleOfAccumulatedOtherComprehensiveIncomeRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bokf_AccumulatedUnrealizedGainLossOnInvestmentSecuritiesTransferredFromAFSMember" abstract="true" name="AccumulatedUnrealizedGainLossOnInvestmentSecuritiesTransferredFromAFSMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_NumeratorAbstract" abstract="true" name="NumeratorAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bokf_DenominatorAbstract" abstract="true" name="DenominatorAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bokf_CommercialBankingMember" abstract="true" name="CommercialBankingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_ConsumerBankingMember" abstract="true" name="ConsumerBankingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_WealthManagementMember" abstract="true" name="WealthManagementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_NetInterestIncomeExpenseFromExternalSources" abstract="false" name="NetInterestIncomeExpenseFromExternalSources" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_NetInterestIncomeExpenseFromInternalSources" abstract="false" name="NetInterestIncomeExpenseFromInternalSources" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_CorporateExpenseAllocations" abstract="false" name="CorporateExpenseAllocations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_FeesandcommissionsrevenueMember" abstract="true" name="FeesandcommissionsrevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_GainlossontradingMember" abstract="true" name="GainlossontradingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_CustomerhedgingrevenueMember" abstract="true" name="CustomerhedgingrevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_RetailbrokeragerevenueMember" abstract="true" name="RetailbrokeragerevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_InvestmentbankingrevenueMember" abstract="true" name="InvestmentbankingrevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_TransFundEFTnetworkrevenueMember" abstract="true" name="TransFundEFTnetworkrevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_MerchantservicesrevenueMember" abstract="true" name="MerchantservicesrevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_CorporatecardrevenueMember" abstract="true" name="CorporatecardrevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_PersonaltrustrevenueMember" abstract="true" name="PersonaltrustrevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_CorporatetrustrevenueMember" abstract="true" name="CorporatetrustrevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_InstitutionaltrustretirementplanservicesrevenueMember" abstract="true" name="InstitutionaltrustretirementplanservicesrevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_InvestmentmanagementservicesandotherMember" abstract="true" name="InvestmentmanagementservicesandotherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_CommercialaccountservicechargerevenueMember" abstract="true" name="CommercialaccountservicechargerevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_OverdraftfeerevenueMember" abstract="true" name="OverdraftfeerevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_CheckcardfeerevenueMember" abstract="true" name="CheckcardfeerevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_AutomatedservicechargeandotherdepositfeerevenueMember" abstract="true" name="AutomatedservicechargeandotherdepositfeerevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_MortgageproductionrevenueMember" abstract="true" name="MortgageproductionrevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_MortgageservicingrevenueMember" abstract="true" name="MortgageservicingrevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_LiquidityDiscountonMortgageLoansQualifyingforSaletoUSGovtAgencies" abstract="false" name="LiquidityDiscountonMortgageLoansQualifyingforSaletoUSGovtAgencies" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bokf_FairValueRealEstateAndOtherRepossessedAssetsMember" abstract="true" name="FairValueRealEstateAndOtherRepossessedAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_MarketabilityAdjustmentsOffAppraisedValueMember" abstract="true" name="MarketabilityAdjustmentsOffAppraisedValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bokf_FairValueMeasurementMeasuredOnNonRecurringBasisSignificantUnobservableInputsQuantitativeInformationAbstract" abstract="true" name="FairValueMeasurementMeasuredOnNonRecurringBasisSignificantUnobservableInputsQuantitativeInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bokf_MarketabilityAdjustmentOffFairValueOfOREOAsPercentageOfUnpaidPrincipalBalance" abstract="false" name="MarketabilityAdjustmentOffFairValueOfOREOAsPercentageOfUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="bokf_Interestbearingcashandcashequivalents" abstract="false" name="Interestbearingcashandcashequivalents" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bokf_DepositsNoStatedMaturityFairValueDisclosure" abstract="false" name="DepositsNoStatedMaturityFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
