Nobody knows what'll happen - things are not going in a right direction for any financial service company right now. OK, you can make an argument that some companies that are deep in FinTech may be doing a bit better, but the overall trend is bearish and things will continue to deteriorate until something is done on the interest rate level - I am talking macro level here and only specific to BOK. I left BOK in 2014 but I heard that they are having layoffs right now and that next year may be even worse
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At the rate this company is pissing off customers in Texas, yep I'd say you are correct.