<?xml version="1.0" encoding="US-ASCII"?>
<!--XBRL Document Created with Wdesk from Workiva-->
<!-- -->
<xsd:schema attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.bokf.com/20180630" xmlns:bokf="http://www.bokf.com/20180630" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:us-types="http://fasb.org/us-types/2017-01-31" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
  <xsd:import namespace="http://fasb.org/us-gaap/2017-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd" />
  <xsd:import namespace="http://fasb.org/us-roles/2017-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2017/elts/us-roles-2017-01-31.xsd" />
  <xsd:import namespace="http://fasb.org/us-types/2017-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2017/elts/us-types-2017-01-31.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" schemaLocation="http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
  <xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/country/2017-01-31" schemaLocation="http://xbrl.sec.gov/country/2017/country-2017-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/currency/2017-01-31" schemaLocation="http://xbrl.sec.gov/currency/2017/currency-2017-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/dei/2014-01-31" schemaLocation="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/exch/2017-01-31" schemaLocation="http://xbrl.sec.gov/exch/2017/exch-2017-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/invest/2013-01-31" schemaLocation="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/naics/2017-01-31" schemaLocation="http://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/sic/2011-01-31" schemaLocation="http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/stpr/2011-01-31" schemaLocation="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="bokf-20180630_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="bokf-20180630_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="bokf-20180630_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="bokf-20180630_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple" />
      <link:roleType id="AcquisitionAcquisition" roleURI="http://www.bokf.com/role/AcquisitionAcquisition">
        <link:definition>2115100 - Disclosure - Acquisition Acquisition</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AcquisitionAcquisitionsDetails" roleURI="http://www.bokf.com/role/AcquisitionAcquisitionsDetails">
        <link:definition>2415402 - Disclosure - Acquisition Acquisitions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AcquisitionAcquisitionsTables" roleURI="http://www.bokf.com/role/AcquisitionAcquisitionsTables">
        <link:definition>2315301 - Disclosure - Acquisition Acquisitions (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AvailableForSaleSecuritiesDetails" roleURI="http://www.bokf.com/role/AvailableForSaleSecuritiesDetails">
        <link:definition>2402404 - Disclosure - Available for Sale Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsAndContingentLiabilities" roleURI="http://www.bokf.com/role/CommitmentsAndContingentLiabilities">
        <link:definition>2117100 - Disclosure - Commitments and Contingent Liabilities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsAndContingentLiabilitiesCommitmentsAndContingentLiabilitiesVariableInterestEntitiesTables" roleURI="http://www.bokf.com/role/CommitmentsAndContingentLiabilitiesCommitmentsAndContingentLiabilitiesVariableInterestEntitiesTables">
        <link:definition>2317301 - Disclosure - Commitments and Contingent Liabilities Commitments and Contingent Liabilities - Variable Interest Entities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsAndContingentLiabilitiesDetails" roleURI="http://www.bokf.com/role/CommitmentsAndContingentLiabilitiesDetails">
        <link:definition>2417402 - Disclosure - Commitments and Contingent Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsAndContingentLiabilitiesVariableInterestEntitiesDetails" roleURI="http://www.bokf.com/role/CommitmentsAndContingentLiabilitiesVariableInterestEntitiesDetails">
        <link:definition>2417403 - Disclosure - Commitments and Contingent Liabilities Variable Interest Entities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedBalanceSheetsParentheticalUnaudited" roleURI="http://www.bokf.com/role/ConsolidatedBalanceSheetsParentheticalUnaudited">
        <link:definition>1003501 - Statement - Consolidated Balance Sheets (Parenthetical) (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedBalanceSheetsUnaudited" roleURI="http://www.bokf.com/role/ConsolidatedBalanceSheetsUnaudited">
        <link:definition>1003000 - Statement - Consolidated Balance Sheets (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsOfCashFlowsUnaudited" roleURI="http://www.bokf.com/role/ConsolidatedStatementsOfCashFlowsUnaudited">
        <link:definition>1005000 - Statement - Consolidated Statements of Cash Flows (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsOfChangesInEquityUnaudited" roleURI="http://www.bokf.com/role/ConsolidatedStatementsOfChangesInEquityUnaudited">
        <link:definition>1004000 - Statement - Consolidated Statements of Changes in Equity (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsOfComprehensiveIncome" roleURI="http://www.bokf.com/role/ConsolidatedStatementsOfComprehensiveIncome">
        <link:definition>1002000 - Statement - Consolidated Statements of Comprehensive Income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsOfEarningsUnaudited" roleURI="http://www.bokf.com/role/ConsolidatedStatementsOfEarningsUnaudited">
        <link:definition>1001000 - Statement - Consolidated Statements of Earnings (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Derivatives" roleURI="http://www.bokf.com/role/Derivatives">
        <link:definition>2103100 - Disclosure - Derivatives</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesDerivativesInstrumentsGainLossInIncomeStatementDetails" roleURI="http://www.bokf.com/role/DerivativesDerivativesInstrumentsGainLossInIncomeStatementDetails">
        <link:definition>2403403 - Disclosure - Derivatives, Derivatives Instruments Gain (Loss) in Income Statement (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesFairValueOfDerivativesContractsDetails" roleURI="http://www.bokf.com/role/DerivativesFairValueOfDerivativesContractsDetails">
        <link:definition>2403402 - Disclosure - Derivatives, Fair Value of Derivatives Contracts (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesTables" roleURI="http://www.bokf.com/role/DerivativesTables">
        <link:definition>2303301 - Disclosure - Derivatives (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DocumentAndEntityInformation" roleURI="http://www.bokf.com/role/DocumentAndEntityInformation">
        <link:definition>0001000 - Document - Document And Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsPerShare" roleURI="http://www.bokf.com/role/EarningsPerShare">
        <link:definition>2119100 - Disclosure - Earnings Per Share</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsPerShareDetails" roleURI="http://www.bokf.com/role/EarningsPerShareDetails">
        <link:definition>2419402 - Disclosure - Earnings Per Share (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsPerShareTables" roleURI="http://www.bokf.com/role/EarningsPerShareTables">
        <link:definition>2319301 - Disclosure - Earnings Per Share (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurements" roleURI="http://www.bokf.com/role/FairValueMeasurements">
        <link:definition>2123100 - Disclosure - Fair Value Measurements</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsFairValueMeasuredOnNonrecurringBasisDetails" roleURI="http://www.bokf.com/role/FairValueMeasurementsFairValueMeasuredOnNonrecurringBasisDetails">
        <link:definition>2423405 - Disclosure - Fair Value Measurements, Fair Value Measured On a Nonrecurring Basis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsFairValueMeasurementMeasuredOnNonRecurringBasisSignfiicantUnobservableInputsQuantitativeInformationDetails" roleURI="http://www.bokf.com/role/FairValueMeasurementsFairValueMeasurementMeasuredOnNonRecurringBasisSignfiicantUnobservableInputsQuantitativeInformationDetails">
        <link:definition>2423406 - Disclosure - Fair Value Measurements Fair Value Measurement, Measured On Non-Recurring Basis, Signfiicant Unobservable Inputs, Quantitative Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsFairValueMeasurementsFinancialInstrumentsMeasuredOnRecurringBasisQuantitativeInformationDetails" roleURI="http://www.bokf.com/role/FairValueMeasurementsFairValueMeasurementsFinancialInstrumentsMeasuredOnRecurringBasisQuantitativeInformationDetails">
        <link:definition>2423404 - Disclosure - Fair Value Measurements Fair Value Measurements, Financial Instruments Measured On a Recurring Basis, Quantitative Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsFairValueOfFinancialInstrumentsAsMeasuredOnRecurringBasisDetails" roleURI="http://www.bokf.com/role/FairValueMeasurementsFairValueOfFinancialInstrumentsAsMeasuredOnRecurringBasisDetails">
        <link:definition>2423402 - Disclosure - Fair Value Measurements, Fair Value Of Financial Instruments as Measured On a Recurring Basis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsFinancialInstrumentsDetails" roleURI="http://www.bokf.com/role/FairValueMeasurementsFinancialInstrumentsDetails">
        <link:definition>2423407 - Disclosure - Fair Value Measurements, Financial Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsMeasuredOnRecurringBasisSignificantUnobservableInputsDetails" roleURI="http://www.bokf.com/role/FairValueMeasurementsMeasuredOnRecurringBasisSignificantUnobservableInputsDetails">
        <link:definition>2423403 - Disclosure - Fair Value Measurements, Measured On Recurring Basis Significant Unobservable Inputs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsTables" roleURI="http://www.bokf.com/role/FairValueMeasurementsTables">
        <link:definition>2323301 - Disclosure - Fair Value Measurements (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FederalAndStateIncomeTaxesFederalAndStateIncomeTaesTables" roleURI="http://www.bokf.com/role/FederalAndStateIncomeTaxesFederalAndStateIncomeTaesTables">
        <link:definition>2324301 - Disclosure - Federal and State Income Taxes Federal and State Income Taes (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FederalAndStateIncomeTaxesFederalAndStateIncomeTaxes" roleURI="http://www.bokf.com/role/FederalAndStateIncomeTaxesFederalAndStateIncomeTaxes">
        <link:definition>2124100 - Disclosure - Federal and State Income Taxes Federal and State Income Taxes</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FederalAndStateIncomeTaxesFederalAndStateIncomeTaxesDetails" roleURI="http://www.bokf.com/role/FederalAndStateIncomeTaxesFederalAndStateIncomeTaxesDetails">
        <link:definition>2424402 - Disclosure - Federal and State Income Taxes Federal and State Income Taxes (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FeesAndCommissionsRevenueFeesAndCommissionsDetails" roleURI="http://www.bokf.com/role/FeesAndCommissionsRevenueFeesAndCommissionsDetails">
        <link:definition>2422402 - Disclosure - Fees and Commissions Revenue Fees and Commissions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FeesAndCommissionsRevenueFeesAndCommissionsRevenue" roleURI="http://www.bokf.com/role/FeesAndCommissionsRevenueFeesAndCommissionsRevenue">
        <link:definition>2122100 - Disclosure - Fees and Commissions Revenue Fees and Commissions Revenue</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FeesAndCommissionsRevenueFeesAndCommissionsRvenueTables" roleURI="http://www.bokf.com/role/FeesAndCommissionsRevenueFeesAndCommissionsRvenueTables">
        <link:definition>2322301 - Disclosure - Fees and Commissions Revenue Fees and Commissions Rvenue (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentHeldToMaturitySecuritiesDetails" roleURI="http://www.bokf.com/role/InvestmentHeldToMaturitySecuritiesDetails">
        <link:definition>2402403 - Disclosure - Investment (Held-to-Maturity) Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansAndAllowanceForCreditLossesImpairedLoansDetails" roleURI="http://www.bokf.com/role/LoansAndAllowanceForCreditLossesImpairedLoansDetails">
        <link:definition>2404405 - Disclosure - Loans and Allowance for Credit Losses, Impaired Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansAndAllowanceForCreditLossesLoansByPortfolioTypeDetails" roleURI="http://www.bokf.com/role/LoansAndAllowanceForCreditLossesLoansByPortfolioTypeDetails">
        <link:definition>2404402 - Disclosure - Loans and Allowance for Credit Losses, Loans by Portfolio Type (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansAndAllowancesForCreditLosses" roleURI="http://www.bokf.com/role/LoansAndAllowancesForCreditLosses">
        <link:definition>2104100 - Disclosure - Loans and Allowances for Credit Losses</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansAndAllowancesForCreditLossesActivityInAllowanceForCreditLossesDetails" roleURI="http://www.bokf.com/role/LoansAndAllowancesForCreditLossesActivityInAllowanceForCreditLossesDetails">
        <link:definition>2404403 - Disclosure - Loans and Allowances for Credit Losses, Activity in Allowance for Credit Losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansAndAllowancesForCreditLossesByAgingCategoryDetails" roleURI="http://www.bokf.com/role/LoansAndAllowancesForCreditLossesByAgingCategoryDetails">
        <link:definition>2404407 - Disclosure - Loans and Allowances for Credit Losses, By Aging Category (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansAndAllowancesForCreditLossesCreditQualityIndicatorsDetails" roleURI="http://www.bokf.com/role/LoansAndAllowancesForCreditLossesCreditQualityIndicatorsDetails">
        <link:definition>2404404 - Disclosure - Loans and Allowances for Credit Losses, Credit Quality Indicators (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansAndAllowancesForCreditLossesTables" roleURI="http://www.bokf.com/role/LoansAndAllowancesForCreditLossesTables">
        <link:definition>2304301 - Disclosure - Loans and Allowances for Credit Losses (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansAndAllowancesForCreditLossesTroubledDebtRestructuringsDetails" roleURI="http://www.bokf.com/role/LoansAndAllowancesForCreditLossesTroubledDebtRestructuringsDetails">
        <link:definition>2404406 - Disclosure - Loans and Allowances for Credit Losses, Troubled Debt Restructurings (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="MortgageBankingActivities" roleURI="http://www.bokf.com/role/MortgageBankingActivities">
        <link:definition>2116100 - Disclosure - Mortgage Banking Activities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="MortgageBankingActivitiesComponentsOfLoansHeldForSaleDetails" roleURI="http://www.bokf.com/role/MortgageBankingActivitiesComponentsOfLoansHeldForSaleDetails">
        <link:definition>2416402 - Disclosure - Mortgage Banking Activities, Components of Loans Held For Sale (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="MortgageBankingActivitiesMortgageBankingActivitiesLoansServicedForOthersDetails" roleURI="http://www.bokf.com/role/MortgageBankingActivitiesMortgageBankingActivitiesLoansServicedForOthersDetails">
        <link:definition>2416405 - Disclosure - Mortgage Banking Activities Mortgage Banking Activities, Loans Serviced for Others (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="MortgageBankingActivitiesMortgageBankingActivitiesMortgageBankingRevenueDetails" roleURI="http://www.bokf.com/role/MortgageBankingActivitiesMortgageBankingActivitiesMortgageBankingRevenueDetails">
        <link:definition>2416403 - Disclosure - Mortgage Banking Activities Mortgage Banking Activities, Mortgage Banking Revenue (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="MortgageBankingActivitiesMortgageServicingRightsDetails" roleURI="http://www.bokf.com/role/MortgageBankingActivitiesMortgageServicingRightsDetails">
        <link:definition>2416404 - Disclosure - Mortgage Banking Activities, Mortgage Servicing Rights (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="MortgageBankingActivitiesTables" roleURI="http://www.bokf.com/role/MortgageBankingActivitiesTables">
        <link:definition>2316301 - Disclosure - Mortgage Banking Activities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReportableSegments" roleURI="http://www.bokf.com/role/ReportableSegments">
        <link:definition>2120100 - Disclosure - Reportable Segments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReportableSegmentsDetails" roleURI="http://www.bokf.com/role/ReportableSegmentsDetails">
        <link:definition>2420402 - Disclosure - Reportable Segments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReportableSegmentsTables" roleURI="http://www.bokf.com/role/ReportableSegmentsTables">
        <link:definition>2320301 - Disclosure - Reportable Segments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Securities" roleURI="http://www.bokf.com/role/Securities">
        <link:definition>2102100 - Disclosure - Securities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SecuritiesFairValueOptionSecuritiesDetails" roleURI="http://www.bokf.com/role/SecuritiesFairValueOptionSecuritiesDetails">
        <link:definition>2402405 - Disclosure - Securities Fair Value Option Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SecuritiesRestrictedEquitySecuritiesDetails" roleURI="http://www.bokf.com/role/SecuritiesRestrictedEquitySecuritiesDetails">
        <link:definition>2402406 - Disclosure - Securities Restricted Equity Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SecuritiesTables" roleURI="http://www.bokf.com/role/SecuritiesTables">
        <link:definition>2302301 - Disclosure - Securities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShareholdersEquity" roleURI="http://www.bokf.com/role/ShareholdersEquity">
        <link:definition>2118100 - Disclosure - Shareholders' Equity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShareholdersEquityDetails" roleURI="http://www.bokf.com/role/ShareholdersEquityDetails">
        <link:definition>2418402 - Disclosure - Shareholders' Equity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShareholdersEquityTables" roleURI="http://www.bokf.com/role/ShareholdersEquityTables">
        <link:definition>2318301 - Disclosure - Shareholders' Equity (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SignificantAccountingPolicies" roleURI="http://www.bokf.com/role/SignificantAccountingPolicies">
        <link:definition>2101100 - Disclosure - Significant Accounting Policies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SignificantAccountingPoliciesLoansAndAllowanceForCreditLossesDetails" roleURI="http://www.bokf.com/role/SignificantAccountingPoliciesLoansAndAllowanceForCreditLossesDetails">
        <link:definition>2401402 - Disclosure - Significant Accounting Policies Loans and Allowance for Credit Losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SignificantAccountingPoliciesNewlyAdoptedAndPendingAccountingPronouncementsDetails" roleURI="http://www.bokf.com/role/SignificantAccountingPoliciesNewlyAdoptedAndPendingAccountingPronouncementsDetails">
        <link:definition>2401403 - Disclosure - Significant Accounting Policies Newly Adopted and Pending Accounting Pronouncements (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SignificantAccountingPoliciesPolicies" roleURI="http://www.bokf.com/role/SignificantAccountingPoliciesPolicies">
        <link:definition>2201201 - Disclosure - Significant Accounting Policies (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SubsequentEvents" roleURI="http://www.bokf.com/role/SubsequentEvents">
        <link:definition>2125100 - Disclosure - Subsequent Events</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="TradingSecuritiesDetails" roleURI="http://www.bokf.com/role/TradingSecuritiesDetails">
        <link:definition>2402402 - Disclosure - Trading Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:element abstract="true" id="bokf_ActivityInAllowanceForCreditLossesAbstract" name="ActivityInAllowanceForCreditLossesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_AgingStatusOfMortgageLoansServicedForOthersTableTextBlock" name="AgingStatusOfMortgageLoansServicedForOthersTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_AgriculturalContractsMember" name="AgriculturalContractsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_Allegedtotalofjudgmentagainstnursinghomeoperator" name="Allegedtotalofjudgmentagainstnursinghomeoperator" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_AllowanceForOffBalanceSheetCreditLossesAbstract" name="AllowanceForOffBalanceSheetCreditLossesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_AmortizationPeriodFollowingRevolvingPeriodforHomeEquityLoans" name="AmortizationPeriodFollowingRevolvingPeriodforHomeEquityLoans" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_AmountofCashPaidforEachExisitngShareofCobizStock" name="AmountofCashPaidforEachExisitngShareofCobizStock" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bokf_AssumptionsToValueMortgageServicingRightsTableTextBlock" name="AssumptionsToValueMortgageServicingRightsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_AutomatedservicechargeandotherdepositfeerevenueMember" name="AutomatedservicechargeandotherdepositfeerevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsNominalYield" name="AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsNominalYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_AvailableForSaleSecuritiesDebtMaturitiesNominalYield" name="AvailableForSaleSecuritiesDebtMaturitiesNominalYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_AvailableForSaleSecuritiesDebtMaturitiesNominalYieldAbstract" name="AvailableForSaleSecuritiesDebtMaturitiesNominalYieldAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenNominalYield" name="AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenNominalYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenNominalYield" name="AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenNominalYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveNominalYield" name="AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveNominalYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturity" name="AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_AvailableForSaleSecuritiesOtherThanTemporaryImpairments" name="AvailableForSaleSecuritiesOtherThanTemporaryImpairments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_AvailableForSaleSecuritiesPledgedAsCollateralAbstract" name="AvailableForSaleSecuritiesPledgedAsCollateralAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_AvailableForSaleSecuritiesPledgedAsCollateralAmortizedCost" name="AvailableForSaleSecuritiesPledgedAsCollateralAmortizedCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_AvailableforsaleSecuritiesDebtMaturitiesAverageExpectedLifeofMortgagebackedSecurities" name="AvailableforsaleSecuritiesDebtMaturitiesAverageExpectedLifeofMortgagebackedSecurities" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_AvailableforsaleSecuritiesDebtMaturitiesEffectivetaxratefornominalyieldcalculation" name="AvailableforsaleSecuritiesDebtMaturitiesEffectivetaxratefornominalyieldcalculation" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_AvailableforsaleSecuritiesDebtMaturitiesNumberofdaysforinterestratestoreset" name="AvailableforsaleSecuritiesDebtMaturitiesNumberofdaysforinterestratestoreset" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_AverageAssetsForReportingPeriod" name="AverageAssetsForReportingPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bokf_AverageYieldsOnComparableShortTermTaxableSecuritiesMaximum" name="AverageYieldsOnComparableShortTermTaxableSecuritiesMaximum" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_BankParticipationinFraudulentSaleofSecuritiesbyPrincipalsMember" name="BankParticipationinFraudulentSaleofSecuritiesbyPrincipalsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_BokfEquityLlcMember" name="BokfEquityLlcMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_BrokerageandtradingrevenueMember" name="BrokerageandtradingrevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentGoodwill" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentGoodwill" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bokf_Capitalizedmortgageservicingrights" name="Capitalizedmortgageservicingrights" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bokf_ChangeInAmountReceivableOnUnsettledSecurityTransactions" name="ChangeInAmountReceivableOnUnsettledSecurityTransactions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bokf_ChangeInFairValueDueToLoanRunoff" name="ChangeInFairValueDueToLoanRunoff" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bokf_Changeinfairvalueofmortgageloancommitments" name="Changeinfairvalueofmortgageloancommitments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bokf_Changeinfairvalueofmortgageservicingrightsduetoloanrunoff" name="Changeinfairvalueofmortgageservicingrightsduetoloanrunoff" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bokf_Changeinthefairvalueofforwardsalescommitments" name="Changeinthefairvalueofforwardsalescommitments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_CheckcardfeerevenueMember" name="CheckcardfeerevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_CobizFinancialAssets" name="CobizFinancialAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_CobizFinancialInc.Member" name="CobizFinancialInc.Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_CommercialMember" name="CommercialMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_CommercialaccountservicechargerevenueMember" name="CommercialaccountservicechargerevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_CommonStockClassBSharesOwned" name="CommonStockClassBSharesOwned" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_ComponentsofResidentialMortgageLoansHeldforSaleAbstract" name="ComponentsofResidentialMortgageLoansHeldforSaleAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_ConsumerMember" name="ConsumerMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_ContingentObligationForAdditionalInvestmentsInPrivateEquityFunds" name="ContingentObligationForAdditionalInvestmentsInPrivateEquityFunds" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bokf_ConveyanceOfOtherRealEstateOwnedGuaranteedByUsGovt" name="ConveyanceOfOtherRealEstateOwnedGuaranteedByUsGovt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bokf_CorporateExpenseAllocations" name="CorporateExpenseAllocations" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_CorporatetrustrevenueMember" name="CorporatetrustrevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_CreditCommitmentsAbstract" name="CreditCommitmentsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_CreditLossesRecognizedOnResidentialMortgageLoansHeldForSale" name="CreditLossesRecognizedOnResidentialMortgageLoansHeldForSale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_CustomerRiskManagementProgramsMember" name="CustomerRiskManagementProgramsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_CustomerhedgingrevenueMember" name="CustomerhedgingrevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_DenominatorAbstract" name="DenominatorAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_DepositsNoStatedMaturityFairValueDisclosure" name="DepositsNoStatedMaturityFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_DepositservicechargesandfeesMember" name="DepositservicechargesandfeesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_DerivativeAssetNettingAdjustments" name="DerivativeAssetNettingAdjustments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bokf_DerivativeAssetsNetFairValueBeforeCashCollateral" name="DerivativeAssetsNetFairValueBeforeCashCollateral" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_DerivativeLiabilityNetFairValueBeforeCashCollateral" name="DerivativeLiabilityNetFairValueBeforeCashCollateral" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bokf_DerivativeLiabilityNettingAdjustments" name="DerivativeLiabilityNettingAdjustments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_Disgorgedfees" name="Disgorgedfees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_EnergyMember" name="EnergyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_EnergyProducersMember" name="EnergyProducersMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_EquitySecuritiesAndMutualFundsMember" name="EquitySecuritiesAndMutualFundsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_FairValueImpairedLoansMember" name="FairValueImpairedLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_FairValueInputsAssetAmortizedCost" name="FairValueInputsAssetAmortizedCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_FairValueInputsAssetFairValue" name="FairValueInputsAssetFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_FairValueInputsAssetFairValueAsPercentageofParValueorUnpaidPrincipalBalanceWeightedAverage" name="FairValueInputsAssetFairValueAsPercentageofParValueorUnpaidPrincipalBalanceWeightedAverage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_FairValueInputsAssetParValue" name="FairValueInputsAssetParValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_FairValueInputsAssetsDiscountRateMaximum" name="FairValueInputsAssetsDiscountRateMaximum" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_FairValueInputsAssetsDiscountRateMinimum" name="FairValueInputsAssetsDiscountRateMinimum" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_FairValueInputsAssetsDiscountRateWeightedAverage" name="FairValueInputsAssetsDiscountRateWeightedAverage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_FairValueInputsAssetsFairValueAsPercentageofParValueorPrincipalBalanceMaximum" name="FairValueInputsAssetsFairValueAsPercentageofParValueorPrincipalBalanceMaximum" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_FairValueInputsAssetsFairValueAsPercentageofParValueorPrincipalBalanceMinimum" name="FairValueInputsAssetsFairValueAsPercentageofParValueorPrincipalBalanceMinimum" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_FairValueInputsFairValueMeasuredOnNonrecurringBasisQuantitativeInformationTableTextBlock" name="FairValueInputsFairValueMeasuredOnNonrecurringBasisQuantitativeInformationTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_FairValueInputsFairValueMeasuredOnRecurringBasisQuantitativeInformationTableTextBlock" name="FairValueInputsFairValueMeasuredOnRecurringBasisQuantitativeInformationTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_FairValueMeasurementMeasuredOnNonRecurringBasisSignificantUnobservableInputsQuantitativeInformationAbstract" name="FairValueMeasurementMeasuredOnNonRecurringBasisSignificantUnobservableInputsQuantitativeInformationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_FairValueMeasurementPercentageOfAppraisedValueMaximum" name="FairValueMeasurementPercentageOfAppraisedValueMaximum" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_FairValueMeasurementPercentageOfAppraisedValueMinimum" name="FairValueMeasurementPercentageOfAppraisedValueMinimum" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_FairValueMeasurementPercentageOfAppraisedValueWeightedAverage" name="FairValueMeasurementPercentageOfAppraisedValueWeightedAverage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_FairValueMeasurementsMeasuredOnRecurringBasisSignificantUnobservableInputsQuantitativeInformationAbstract" name="FairValueMeasurementsMeasuredOnRecurringBasisSignificantUnobservableInputsQuantitativeInformationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_FairValueMeasurementsSignificantUnobservableInput" name="FairValueMeasurementsSignificantUnobservableInput" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_FairValueOptionSecurities" name="FairValueOptionSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_FairValueOptionSecuritiesTableTextBlock" name="FairValueOptionSecuritiesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_FairValueOptionSecuritiesUnrealizedGainOrLoss" name="FairValueOptionSecuritiesUnrealizedGainOrLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_FairValueRealEstateAndOtherRepossessedAssetsMember" name="FairValueRealEstateAndOtherRepossessedAssetsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_FairValueofImpairedLoansasaPercentageofUnpaidPrincipalBalanceAbstract" name="FairValueofImpairedLoansasaPercentageofUnpaidPrincipalBalanceAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_FairValueofImpairedLoansasaPercentageofUnpaidPrincipalBalanceMaximum" name="FairValueofImpairedLoansasaPercentageofUnpaidPrincipalBalanceMaximum" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_FairValueofImpairedLoansasaPercentageofUnpaidPrincipalBalanceMinimum" name="FairValueofImpairedLoansasaPercentageofUnpaidPrincipalBalanceMinimum" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_FairValueofImpairedLoansasaPercentageofUnpaidPrincipalBalanceWeightedAverage" name="FairValueofImpairedLoansasaPercentageofUnpaidPrincipalBalanceWeightedAverage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_FairValueofRealEstateandOtherRepossessedAssetsasaPercentageofAppraisedValueAbstract" name="FairValueofRealEstateandOtherRepossessedAssetsasaPercentageofAppraisedValueAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_FairValueofResidentialMortgageLoansHeldforSale" name="FairValueofResidentialMortgageLoansHeldforSale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_Feesandcommissionrevenuenotfromcontractswithcustomers" name="Feesandcommissionrevenuenotfromcontractswithcustomers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_FeesandcommissionsrevenueMember" name="FeesandcommissionsrevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_FiduciaryandassetmanagementrevenueMember" name="FiduciaryandassetmanagementrevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_ForwardSalesContractsMember" name="ForwardSalesContractsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_GainLossonFinancialInstrumentsNet" name="GainLossonFinancialInstrumentsNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bokf_GainOnFairValueOptionSecuritiesNet" name="GainOnFairValueOptionSecuritiesNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_GainlossontradingMember" name="GainlossontradingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_HealthcareMember" name="HealthcareMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_HeldToMaturityCollateralFairValue" name="HeldToMaturityCollateralFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_HeldToMaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsNominalYield" name="HeldToMaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsNominalYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_HeldToMaturitySecuritiesDebtMaturitiesNominalYield" name="HeldToMaturitySecuritiesDebtMaturitiesNominalYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_HeldToMaturitySecuritiesDebtMaturitiesNominalYieldAbstract" name="HeldToMaturitySecuritiesDebtMaturitiesNominalYieldAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_HeldToMaturitySecuritiesDebtMaturitiesRollingAfterTenYearsNominalYield" name="HeldToMaturitySecuritiesDebtMaturitiesRollingAfterTenYearsNominalYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenNominalYield" name="HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenNominalYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveNominalYield" name="HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveNominalYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_HeldToMaturitySecuritiesDebtMaturitiesWeightedAverageMaturity" name="HeldToMaturitySecuritiesDebtMaturitiesWeightedAverageMaturity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_HeldToMaturitySecuritiesPledgedAsCollateralAbstract" name="HeldToMaturitySecuritiesPledgedAsCollateralAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_HeldtoMaturitySecuritiesDebtMaturitiesEffectivetaxratefornominalyieldcalculation" name="HeldtoMaturitySecuritiesDebtMaturitiesEffectivetaxratefornominalyieldcalculation" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_HeldtomaturitySecuritiesDebtMaturitiesAverageExpectedLifeofMortgagebackedSecurities" name="HeldtomaturitySecuritiesDebtMaturitiesAverageExpectedLifeofMortgagebackedSecurities" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_HomeEquityLoansAdditionalDiscretionaryRevolvingPeriod" name="HomeEquityLoansAdditionalDiscretionaryRevolvingPeriod" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_HomeEquityLoansDescription" name="HomeEquityLoansDescription" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_Homeequityloansmaximum" name="Homeequityloansmaximum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_IncomeTaxReconciliationSharebasedCompensation" name="IncomeTaxReconciliationSharebasedCompensation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bokf_IncomeTaxReconciliationSharebasedCompensationPercent" name="IncomeTaxReconciliationSharebasedCompensationPercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_IncreaseInUSGovernmentGuaranteedLoansEligibleForRepurchase" name="IncreaseInUSGovernmentGuaranteedLoansEligibleForRepurchase" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bokf_Increaseofreportedrightofuseassetsandliabilities" name="Increaseofreportedrightofuseassetsandliabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bokf_Increaseofreportedrightofuseassetsandliabilitiesmaximum" name="Increaseofreportedrightofuseassetsandliabilitiesmaximum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_IndustrialMember" name="IndustrialMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_InstitutionaltrustretirementplanservicesrevenueMember" name="InstitutionaltrustretirementplanservicesrevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_InterestRevenueOnFairValueOptionSecurities" name="InterestRevenueOnFairValueOptionSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bokf_Interestbearingcashandcashequivalents" name="Interestbearingcashandcashequivalents" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_InterestincomeInterestbearingcashandcashequivalents" name="InterestincomeInterestbearingcashandcashequivalents" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_InternalRiskManagementProgramsMember" name="InternalRiskManagementProgramsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_InternallyRiskGradedAllowance" name="InternallyRiskGradedAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bokf_InternallyRiskGradedRecordedInvestment" name="InternallyRiskGradedRecordedInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_InvestmentGradeTaxExemptSecuritiesYieldSpreadOverComparableSecuritiesMaximum" name="InvestmentGradeTaxExemptSecuritiesYieldSpreadOverComparableSecuritiesMaximum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_InvestmentGradeTaxExemptSecuritiesYieldSpreadOverComparableSecuritiesMinimum" name="InvestmentGradeTaxExemptSecuritiesYieldSpreadOverComparableSecuritiesMinimum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_InvestmentbankingrevenueMember" name="InvestmentbankingrevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_InvestmentmanagementservicesandotherMember" name="InvestmentmanagementservicesandotherMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_LiquidityDiscountonMortgageLoansQualifyingforSaletoUSGovtAgencies" name="LiquidityDiscountonMortgageLoansQualifyingforSaletoUSGovtAgencies" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_LoansAndAllowanceForCreditLossesAbstract" name="LoansAndAllowanceForCreditLossesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_LoansNumberOfDaysAfterNotificationOfChapter7BankruptcyNonRiskGradedLoanIsChargedOff" name="LoansNumberOfDaysAfterNotificationOfChapter7BankruptcyNonRiskGradedLoanIsChargedOff" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_LoansNumberOfDaysAfterNotificationOfChapter7BankruptcyNonRiskGradedLoanIsPlacedOnNonaccruingStatus" name="LoansNumberOfDaysAfterNotificationOfChapter7BankruptcyNonRiskGradedLoanIsPlacedOnNonaccruingStatus" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_LoansNumberOfDaysPastDueForNonRiskGradedLoanToBePlacedOnNonaccruingStatus" name="LoansNumberOfDaysPastDueForNonRiskGradedLoanToBePlacedOnNonaccruingStatus" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_LoansServicedForOthers" name="LoansServicedForOthers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_LoansServicedForOthers30To59DaysPastDue" name="LoansServicedForOthers30To59DaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_LoansServicedForOthers60To89DaysPastDue" name="LoansServicedForOthers60To89DaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_LoansServicedForOthersCurrent" name="LoansServicedForOthersCurrent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_LoansServicedForOtherstEqualToGreaterThan90DaysPastDue" name="LoansServicedForOtherstEqualToGreaterThan90DaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_ManufacturingMember" name="ManufacturingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_MaxNoOfDaysAfterWhichPastDueNonRiskGradedLoansAreChargedOff" name="MaxNoOfDaysAfterWhichPastDueNonRiskGradedLoansAreChargedOff" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_MaximumAmountOfLoansWithBalancesBelowThreshold" name="MaximumAmountOfLoansWithBalancesBelowThreshold" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_MaximumDebtToIncomeRatioOnLoans" name="MaximumDebtToIncomeRatioOnLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_MaximumLoanAmountForCertainIndividualLoansInCategory" name="MaximumLoanAmountForCertainIndividualLoansInCategory" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_MaximumLoanToValueRatioOnLoans" name="MaximumLoanToValueRatioOnLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_MaximumNumberofDaysOutstandingForResidentialMortgageCommitments" name="MaximumNumberofDaysOutstandingForResidentialMortgageCommitments" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_MaximumNumberofDaysforDeliveryofForwardSalesContracts" name="MaximumNumberofDaysforDeliveryofForwardSalesContracts" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_MaximumPeriodforFixedRateonVariableRateJumboResidentialMortgageLoan" name="MaximumPeriodforFixedRateonVariableRateJumboResidentialMortgageLoan" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_MerchantservicesrevenueMember" name="MerchantservicesrevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_MinimumFicoRequiredForLoanApproval" name="MinimumFicoRequiredForLoanApproval" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_MinimumLoanToValueRatioOnLoans" name="MinimumLoanToValueRatioOnLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_MinimumNoOfDaysAfterWhichPastDueNonRiskGradedLoansAreChargedOff" name="MinimumNoOfDaysAfterWhichPastDueNonRiskGradedLoansAreChargedOff" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_MinimumNumberofDaysOutstandingForResidentialMortgageCommitments" name="MinimumNumberofDaysOutstandingForResidentialMortgageCommitments" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_MinimumNumberofDaysforDeliveryofForwardSalesContracts" name="MinimumNumberofDaysforDeliveryofForwardSalesContracts" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_MinimumPeriodForFixedRateOnVariableRateJumboResidentialMortgageLoans" name="MinimumPeriodForFixedRateOnVariableRateJumboResidentialMortgageLoans" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_MisuseofRevenuesPledgedtoMunicipalBondsMember" name="MisuseofRevenuesPledgedtoMunicipalBondsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_MortgageBankingActivitiesTextBlock" name="MortgageBankingActivitiesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_MortgageBankingCosts" name="MortgageBankingCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bokf_MortgageBankingRevenue" name="MortgageBankingRevenue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_MortgageBankingRevenueAbstract" name="MortgageBankingRevenueAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_MortgageBankingRevenueTableTextBlock" name="MortgageBankingRevenueTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_MortgageProductionRevenue" name="MortgageProductionRevenue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_MortgagebankingrevenueMember" name="MortgagebankingrevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_MortgageproductionrevenueMember" name="MortgageproductionrevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_MortgageservicingrevenueMember" name="MortgageservicingrevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_NIRexpensefrominternalsources" name="NIRexpensefrominternalsources" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bokf_NetChangeInDemandDepositsTransactionDepositsAndSavingsAccounts" name="NetChangeInDemandDepositsTransactionDepositsAndSavingsAccounts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bokf_NetChangeInDerivativeMarginAccounts" name="NetChangeInDerivativeMarginAccounts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bokf_Netchangeinunrealizedgainonmortgageloansheldforsale" name="Netchangeinunrealizedgainonmortgageloansheldforsale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bokf_Netdirectcontribution" name="Netdirectcontribution" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bokf_Netgainonmortgageloansheldforsale" name="Netgainonmortgageloansheldforsale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bokf_NirExpenseFromExternalSources" name="NirExpenseFromExternalSources" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bokf_NonGradedAllowance" name="NonGradedAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bokf_NonGradedRecordedInvestment" name="NonGradedRecordedInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_NumberOfDaysForPastDueResidentialMortgageLoansHeldforSale" name="NumberOfDaysForPastDueResidentialMortgageLoansHeldforSale" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_NumberOfPrivateEquityFundsOfWhichEntityIsGeneralPartner" name="NumberOfPrivateEquityFundsOfWhichEntityIsGeneralPartner" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_NumberofBOKFSharesGivenforEachExistingCobizShare" name="NumberofBOKFSharesGivenforEachExistingCobizShare" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_NumberofVisaClassASharesVisaClassBSharesAreConvertibleTo" name="NumberofVisaClassASharesVisaClassBSharesAreConvertibleTo" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_NumberofindividualswhopurchasedfacilitiesfromtheprincipalssubjecttoSECNewJerseyproceedings" name="NumberofindividualswhopurchasedfacilitiesfromtheprincipalssubjecttoSECNewJerseyproceedings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_NumberofprincipalsinSECNewJerseyproceedings" name="NumberofprincipalsinSECNewJerseyproceedings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_NumeratorAbstract" name="NumeratorAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_OfficeMember" name="OfficeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_OtherCommercialAndIndustrialMember" name="OtherCommercialAndIndustrialMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_OtherCommercialRealEstateMember" name="OtherCommercialRealEstateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_OtherInvestorLoansMember" name="OtherInvestorLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_OtherTradingSecuritiesMember" name="OtherTradingSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_OtherVariableInterestEntitiesMember" name="OtherVariableInterestEntitiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_Otherrestrictedequitysecurities" name="Otherrestrictedequitysecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_OtherrevenueMember" name="OtherrevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_Outstandingprincipalaccruedinterestandotheramountsrequiredbybonddocuments" name="Outstandingprincipalaccruedinterestandotheramountsrequiredbybonddocuments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_OverdraftfeerevenueMember" name="OverdraftfeerevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_PercentageOfCommittedEnergyProductionLoansSecuredByNaturalGas" name="PercentageOfCommittedEnergyProductionLoansSecuredByNaturalGas" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_PercentageOfCommittedEnergyProductionLoansSecuredByOil" name="PercentageOfCommittedEnergyProductionLoansSecuredByOil" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_PercentageOfHomeEquityPortfolioComprisedOfFirstLienLoans" name="PercentageOfHomeEquityPortfolioComprisedOfFirstLienLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_PercentageOfHomeEquityPortfolioComprisedOfJuniorLienLoans" name="PercentageOfHomeEquityPortfolioComprisedOfJuniorLienLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_PercentageOfJuniorLienHomeEquityLoansThatAreAmortizingTermLoans" name="PercentageOfJuniorLienHomeEquityLoansThatAreAmortizingTermLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_PercentageOfJuniorLienHomeEquityLoansThatAreRevolvingLinesOfCredit" name="PercentageOfJuniorLienHomeEquityLoansThatAreRevolvingLinesOfCredit" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_PercentageOfLoanPortfolioSecuredByPropertyInOklahoma" name="PercentageOfLoanPortfolioSecuredByPropertyInOklahoma" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_PercentageOfLoanPortfolioSecuredByPropertyInTexas" name="PercentageOfLoanPortfolioSecuredByPropertyInTexas" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_PercentageofLoanClasstoTotalLoans" name="PercentageofLoanClasstoTotalLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_PercentageofLoanPortfolioAttributedtoOklahoma" name="PercentageofLoanPortfolioAttributedtoOklahoma" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_PercentageofLoanPortfolioAttributedtoTexas" name="PercentageofLoanPortfolioAttributedtoTexas" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_PermanentMortgagesGuaranteedByUsGovernmentAgenciesMember" name="PermanentMortgagesGuaranteedByUsGovernmentAgenciesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_PermanentResidentialMortgageMember" name="PermanentResidentialMortgageMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_PersonaltrustrevenueMember" name="PersonaltrustrevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_Primarysecondarymortgageratespread" name="Primarysecondarymortgageratespread" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_PrivateEquityFundsVariableInterestEntitiesMember" name="PrivateEquityFundsVariableInterestEntitiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_PurchaseoffacilitiesfromprincipalssubjecttoSECNewJerseyproceedingsMember" name="PurchaseoffacilitiesfromprincipalssubjecttoSECNewJerseyproceedingsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_ReclassificationAdjustmentsIncludedInEarningsAbstract" name="ReclassificationAdjustmentsIncludedInEarningsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_RecordedInvestmentAbstract" name="RecordedInvestmentAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_RelatedAllowanceAbstract" name="RelatedAllowanceAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_RepossessedAssetsExpenseAndNetLosses" name="RepossessedAssetsExpenseAndNetLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_ResidentialMortgageLoanCommitmentsMember" name="ResidentialMortgageLoanCommitmentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_ResidentialMortgageLoansHeldForSaleNonperforming" name="ResidentialMortgageLoansHeldForSaleNonperforming" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_ResidentialMortgageLoansHeldForSaleTableTextBlock" name="ResidentialMortgageLoansHeldForSaleTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_ResidentialMortgageLoansHeldForSaleUnpaidPrincipalBalanceGross" name="ResidentialMortgageLoansHeldForSaleUnpaidPrincipalBalanceGross" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_ResidentialMortgageLoansHeldforSaleMember" name="ResidentialMortgageLoansHeldforSaleMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_ResidentialMortgageLoansServicedNumberOfLoans" name="ResidentialMortgageLoansServicedNumberOfLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bokf_ResidentialMortgageLoansServicedOutstandingPrincipal" name="ResidentialMortgageLoansServicedOutstandingPrincipal" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bokf_ResidentialMortgageLoansServicedWeightedAverageRemainingTerm" name="ResidentialMortgageLoansServicedWeightedAverageRemainingTerm" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_ResidentialconstructionandlanddevelopmentMember" name="ResidentialconstructionandlanddevelopmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_RestrictedEquitySecuritiesAbstract" name="RestrictedEquitySecuritiesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_RetailMember" name="RetailMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_RetailbrokeragerevenueMember" name="RetailbrokeragerevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_RevolvingPeriodforHomeEquityLoans" name="RevolvingPeriodforHomeEquityLoans" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_ScheduleOfAccumulatedOtherComprehensiveIncomeRollForward" name="ScheduleOfAccumulatedOtherComprehensiveIncomeRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_ScheduleOfAgingOfMortgageLoansServicedForOthersLineItems" name="ScheduleOfAgingOfMortgageLoansServicedForOthersLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_ScheduleOfAgingOfMortgageLoansServicedForOthersTable" name="ScheduleOfAgingOfMortgageLoansServicedForOthersTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_ScheduleOfAllowanceForLoanLossesAndRecordedInvestmentByPortfolioSegmentForRiskGradedAndNonRiskGradedLoansTableTextBlock" name="ScheduleOfAllowanceForLoanLossesAndRecordedInvestmentByPortfolioSegmentForRiskGradedAndNonRiskGradedLoansTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_ScheduleOfFairValueOptionSecuritiesLineItems" name="ScheduleOfFairValueOptionSecuritiesLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_ScheduleOfFairValueOptionSecuritiesTable" name="ScheduleOfFairValueOptionSecuritiesTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_ScheduleOfResidentialMortgageLoansHeldForSaleLineItems" name="ScheduleOfResidentialMortgageLoansHeldForSaleLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_ScheduleOfResidentialMortgageLoansHeldForSaleTable" name="ScheduleOfResidentialMortgageLoansHeldForSaleTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_SecuritiesFairValueOptionSecuritiesAbstract" name="SecuritiesFairValueOptionSecuritiesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_SecuritiesPledgedAsCollateralTableTextBlock" name="SecuritiesPledgedAsCollateralTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_SegmentReportingChangeinFairValueofMortgageServicingRights" name="SegmentReportingChangeinFairValueofMortgageServicingRights" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_ServicesMember" name="ServicesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValueDelinquentLoanServiceCostMinimum" name="ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValueDelinquentLoanServiceCostMinimum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bokf_ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValueDelinquentLoanSvcCostMaximum" name="ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValueDelinquentLoanSvcCostMaximum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bokf_ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValueEscrowEarningsRate" name="ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValueEscrowEarningsRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValueForeclosureLoanServiceCostMaximum" name="ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValueForeclosureLoanServiceCostMaximum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bokf_ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValueForeclosureLoanServiceCostMinimum" name="ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValueForeclosureLoanServiceCostMinimum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bokf_ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValuePerformingLoanServiceCostMaximum" name="ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValuePerformingLoanServiceCostMaximum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bokf_ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValuePerformingLoanServiceCostMinimum" name="ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValuePerformingLoanServiceCostMinimum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bokf_ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeedMaximum" name="ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeedMaximum" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeedMinimum" name="ServicingAssetsAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeedMinimum" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_SpecificAllowanceMember" name="SpecificAllowanceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_SummaryOfMortgageServicingRightsAbstract" name="SummaryOfMortgageServicingRightsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_SummaryOfMortgageServicingRightsTableTextBlock" name="SummaryOfMortgageServicingRightsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_SwitchgrassHoldingsLLCMember" name="SwitchgrassHoldingsLLCMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_TaxCreditVariableInterestEntitiesMember" name="TaxCreditVariableInterestEntitiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_TbaResidentialMortgageBackedSecuritiesMember" name="TbaResidentialMortgageBackedSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_TotalFeesAndCommissions" name="TotalFeesAndCommissions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bokf_TradingSecuritiesNetUnrealizedGainsLosses" name="TradingSecuritiesNetUnrealizedGainsLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_TransFundEFTnetworkrevenueMember" name="TransFundEFTnetworkrevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_Transactioncardrevenue" name="Transactioncardrevenue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_TransactioncardrevenueMember" name="TransactioncardrevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_TroubledDebtFinancingReceivableModificationPerformingAccordingToModifiedTerms" name="TroubledDebtFinancingReceivableModificationPerformingAccordingToModifiedTerms" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_USAgencyResidentalMortgageBackedSecuritiesOtherMember" name="USAgencyResidentalMortgageBackedSecuritiesOtherMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_VisaMembershipMember" name="VisaMembershipMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bokf_WealthManagementMember" name="WealthManagementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bokf_WeightedAverageInterestRateofLoansServicedforOthers" name="WeightedAverageInterestRateofLoansServicedforOthers" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bokf_WholesaleAndRetailMember" name="WholesaleAndRetailMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>
