A message from our CEO

We strive to understand our clients’ needs and work with them to design a solution that helps them meet their objectives.

What’s good for our clients is good for the community – helping clients achieve their goals and building a stronger community go hand in hand with what we do.

–Dave Ralston, CEO

Long Live Your Money

Focused on long-term financial goals? We can help. At Bank of Arizona, we believe all future success begins with developing the right relationships today. It's about trust, earned over time.

We're part of BOK Financial (NASDAQ:BOKF), which has more than $30 billion in assets and is a top 25 U.S.-based bank.

Community Focused

We offer nationally competitive financial products and services, delivered by talented employees who are local decision makers deeply committed to the communities they serve.

In the Community
Bank of Oklahoma
Our Commitment to You

Our community is our livelihood. For that reason, we believe in giving back every day and in many different ways. Serving our community is more than a commitment. It's our culture.

Financially Supporting Key Civic Activities

We strategically invest in programs that enhance both the quality of life and economic well-being of our communities. We allocate resources – both financial and in-kind – to make a difference in the communities we serve.

Building Meaningful Relationships

Making a community stronger begins with clearly understanding its needs. That's why BOK Financial has developed meaningful relationships with more than 700 nonprofit partners in the eight states where we have banking centers.

Recruiting Top Talent from the Area

We work hard every day to attract the finest talent available in Arizona for each line of business we offer. And we encourage and support employees who want to develop in their roles and contribute to their community.

Taking a Leadership Role in the Community

We have executive leaders and senior managers residing in and serving the local community in a variety of capacities.

Community Commitment

Many people think of their community simply as the place where they live, work and play. We believe our community is our livelihood. We believe in giving back every day.

Good corporate citizenship has always been an essential part of Bank of Arizona and its parent company, BOK Financial.

It is one of our key company values: "Actively advance the communities we serve." We are motivated to improve the quality of life in the communities where we do business because we believe the most successful companies are the ones that are the most active in providing their support. Our sustained involvement and long-term investments in our communities are important elements of our culture and an integral part of the way we do business. We believe that helping the community also helps the stakeholders in BOK Financial - employees, shareholders and clients.

We continue to fulfill our commitment to responsible corporate citizenship through financial and in-kind contributions and volunteer time from our employees. We support programs that encourage the charitable generosity and volunteer spirit of our employees.

Download our At-A-Glance Report to learn more about how we are strengthening the communities we serve.

Download At-A-Glance

Our goal with financial contributions from BOK Financial and the BOKF Foundation is to enhance the quality of life and economic wellbeing in the communities where BOK Financial operates and where our employees work and live including Arkansas, Arizona, Colorado, Kansas, Missouri, New Mexico, Oklahoma, and Texas. Our charitable contributions are focused on four pillars of giving: United Way, economic development, education and basic needs

4 Pillars of Giving

Our long-term strategic plan guides all contributions to assure maximum impact in the community and to develop mutually beneficial relationships with our nonprofit partner agencies. BOK financial contributions are budgeted on an annual calendar basis. We accept online charitable contribution grant applications throughout the year.

Ineligible Organizations/Activities:

  • Individuals
  • Programs outside the geographic markets we serve
  • Fraternal organizations
  • Political organizations/activities/candidates
  • Public schools (K through 12) unless in partnership with BOK Financial "Partners in Education Schools" and "Adopt-a-Schools"
  • Industry and trade groups
  • Athletic programs
  • Religious organizations promoting a specific doctrine

In-Kind Contributions
One of the simplest and most effective ways we help our community comes from hidden treasures within our company. We donate computers to elementary schools. We give office furniture to shelters. We open special contribution accounts to allow citizens to make donations to friends and neighbors in need. From our equipment to our infrastructure, we find many ways to use our resources to help our communities.

Sometimes the best gift we can give is our time and our talent. By lending our expertise, we empower our community partners to develop meaningful business strategies, effective fund-raising initiatives, sound financial planning and more. The skills of our employees are as diverse as they are remarkable, and there is no limit to the results we can deliver to our community.

Through Learn for Life, our financial education program, we engage our employees to promote basic financial skills to better prepare local children to lead successful and productive lives.

Some of our areas of volunteer expertise:

  • Nonprofit Board and Committee Service
  • Philanthropic Strategic Planning
  • Financial Education
  • Tax Preparation
  • General Volunteering and Nonprofit Support

Charitable Giving Online Application

Bank of Arizona, through the BOKF Foundation, provides a variety of financial and in-kind contributions to many nonprofit organizations. Click the button below to access the Bank of Arizona charitable contribution/grant application.

Apply Now

Community Development

We offer financing for the construction, renovation and preservation of affordable housing. We also finance activities that promote economic development or that revitalize or stabilize low to moderate income or distressed communities, in addition to communities that have been designated as disaster areas. These loans are available to investors and developers of affordable housing in the low- and moderate-income neighborhoods where we do business.

  • Construction Financing: We provide construction and permanent financing projects that target affordable housing to those who earn less than 80% of the area-median income.
  • Tax Credit Projects: Construction, interim, permanent, bridge financing and equity investments for development of tax credit-eligible housing.
  • Federal Home Loan Bank Affordable Housing Program Subsidy: The Federal Home Loan Banks' Affordable Housing Programs (AHPs) provide developers and their non-profit/public agency partners with gap financing (in the form of direct subsidies or subsidized advances) for affordable multi-family and single-family projects.

Program Requirements:

  • AHP funds are award through an annual application round. A project sponsor may receive a subsidy from a Federal Home Loan Bank if the project:
  • Targets low- and very-low-income households (minimum 20% of units at or below 50% AMI; preferably 60% at 50%)
  • Is financially feasible and demonstrates a need for the AHP subsidy
  • Enhances the community
  • Includes economic-empowerment services

Not-For-Profit Lending: We provide financing for community-based, not-for-profit organizations in human and social services and special needs populations, as well as houses of worship.

We offer the following types of financing:

  • Project Finance: Finance acquisition, construction and commercial mortgages, program facilities, special needs housing and other projects.
  • Houses Of Worship: A program to finance improvements to sacred space of existing congregations in low- or moderate-income areas.

Credit is subject to approval. Normal credit standards apply. Programs, rates, terms and conditions are subject to change without notice.

BOKF Community Development Fund invests in funds that provide intermediary financing to businesses that have historically not been able to readily access the capital markets therefore providing capital for small businesses to grow and succeed.

We invest in the following type of community development funds:

  • Funds that focus on low- and moderate-income individuals and geographies or that promote other economic development initiatives such as New Market Tax Credit funds
  • Funds that have been licensed as Small Business Investment Companies (SBICs)

Community Development Financial Institution (CDFIs): By investing in CDFIs, we support neighborhood-based, for-profit and nonprofit financial institutions that provide critical capital and financial services to underserved communities.

Low Income Housing Tax Credit Investments (LIHTCs): We are an equity investor in rental housing for low- and moderate-income individuals and families. By investing in Low Income Housing Tax Credit projects, the bank can invest in affordable housing initiatives that have sustainable impact in our communities where we do business.

Grants and Contributions: Colorado State Bank and Trust provides financial assistance to help fund many organizations that administer community service programs to low- and moderate-income individuals, revitalize and stabilize low- and moderate-income areas, provide homebuyer and financial education, as well as many other services that help to strengthen the communities in which we serve.

Sometimes the best gift we can give is our time and our talent. By lending our expertise, we empower our community partners to develop meaningful business strategies, effective fund-raising initiatives, sound financial planning and more. The skills of our employees are as diverse as they are remarkable, and there is no limit to the results we can deliver to our community.

Through Learn for Life, our financial education program, we engage our employees to promote basic financial skills to better prepare local children to lead successful and productive lives.

Some of our areas of volunteer expertise:

  • Nonprofit Board and Committee Service
  • Philanthropic Strategic Planning
  • Financial Education
  • Tax Preparation
  • General Volunteering and Nonprofit Support

Our CRA Rating

The federal Community Reinvestment Act (CRA), enacted in 1977, requires banks to help meet the credit needs of the communities they serve, including low- and moderate-income communities.

BOKF, NA, doing business as Bank of Arizona, which is subject to the regulation has an "Outstanding" CRA rating.

See Report

Our Fair Lending Promise

BOK Financial Corporation, BOKF, NA, and their affiliates (collectively, “BOKF”) comply with both the letter and the spirit of fair and responsible lending laws. BOKF will not discriminate against any applicant or discourage anyone on the basis of race, color, religion, national origin, gender, marital status, disability, age or any other prohibited basis.

We are fully committed to the principle that all consumers will be treated consistently and fairly. We take appropriate steps to ensure that this policy statement is applied through all phases of our credit operations, including product design, marketing and advertising, loan application, underwriting, pricing, collection, servicing, and loss mitigation activities.

It is our policy to adhere to and promote compliance with all applicable state and federal laws and regulations ensuring fair lending and equal access to credit, including but not limited to the Equal Credit Opportunity Act ("ECOA"), Regulation B (which implements ECOA) and the Fair Housing Act.