Bank OZK
Bank OZK reported total assets of $41.7 bn at Q2 2026, up 0.6% on a year earlier, the 57th largest of 497 banks in our US coverage. The CET1 capital ratio at Bank OZK was 11.80%, and the uninsured share of Bank OZK was 32.47%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Bank OZK slipped from 71st to 347th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Bank OZK has one of the highest tier 1 leverage ratio readings among banks of $10 bn to $100 bn: 13.96% at , against a median of 10.25% across 126 banks (FDIC Call Reports).
- Since , Bank OZK has taken over 2 institutions; the latest was C1 Bank on (FDIC Call Reports).
What sets Bank OZK apart
How large is Bank OZK?
The balance sheet of Bank OZK at : assets $41.7 bn, deposits $34.0 bn, net loans $32.1 bn (loans equal to 94.42% of deposits). Securities make up 10.2% of total assets at Bank OZK. Since , when Bank OZK held $11.4 bn, its assets grew 265.3%. In the year to , deposits at Bank OZK rose 1.4% while its total assets rose 0.6%. At , Bank OZK employed 3,286 full-time equivalent staff across 272 offices, about $12.7 mn of assets per employee and $125.0 mn of deposits per office.
How much funding at Bank OZK is uninsured?
At Bank OZK, uninsured deposits (above the FDIC limit) made up 32.47% of domestic deposits at (-4.66 pp on a year earlier); Bank OZK ranks 282nd of 500 on this measure. In dollars, Bank OZK estimated $11.0 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $34.0 bn | +1.4% | 55th of 499 |
| Net loans and leases | $32.1 bn | -1.2% | 52nd of 500 |
| Loan-to-deposit ratio | 94.42% | -2.49 pp | 124th of 500 |
| Tier 1 leverage ratio | 13.96% | +0.37 pp | 36th of 500 |
| Total risk-based capital ratio | 14.83% | +0.66 pp | 185th of 448 |
| Net interest margin | 4.14% | -0.12 pp | 109th of 500 |
| Return on assets (ROA) | 1.60% | -0.19 pp | 128th of 500 |
| Efficiency ratio | 39.52% | +3.68 pp | 58th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $35.2 mn | Narrowed by $54.3 mn | |
| Noncurrent loans to total loans | 0.92% | +0.75 pp | 347th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.62% | +0.45 pp | 452nd of 500 (1 = lowest) |
US rank of Bank OZK: 1 = highest unless marked 1 = lowest.
Balance sheet
Bank OZK: assets, deposits and loans
- Total assets $41.7bn
- Deposits $34.0bn
- Net loans $32.1bn
Capital and securities
The CET1 ratio of Bank OZK stood at 11.80% in , +0.67 pp year on year. Low and high at Bank OZK since : 10.63% () to 14.60% (). Equity capital of Bank OZK at : $6.3 bn, or 15.1% of total assets. Bank OZK also reported a total capital ratio of 14.83% for , and a tier 1 leverage ratio of 13.96%.
The available-for-sale portfolio of Bank OZK showed an unrealized loss of $35.2 mn at ; the loss narrowed by $54.3 mn over the year.
Bank OZK: capital ratios
- Total capital 15%
- CET1 12%
- Tier 1 leverage 14%
Bank OZK: unrealized securities gains and losses
- Available for sale -$35mn
- Held to maturity $0
Profitability and loan quality
For the year to , Bank OZK earned a return on equity of 10.69%; return on assets: 1.60%. Net interest margin at Bank OZK: 4.14%, -0.12 pp in a year. Bank OZK net income: $330.7 mn, down 6.8% year on year. The efficiency ratio of Bank OZK was 39.52%: about 40 cents cost per revenue dollar, against 54 cents at the median peer.
At , noncurrent loans were 0.92% of total loans at Bank OZK; net charge-offs: 0.62% of average loans. Gross loans and leases at Bank OZK: $32.6 bn, down 1.3% in a year.
Bank OZK: profitability
- Return on equity 11%
- Net interest margin 4.1%
- Return on assets 1.6%
Peer group of Bank OZK
The peer group of Bank OZK is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Bank OZK (state nonmember bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Arkansas. Against them, Bank OZK shows CET1 ratio 11.80% against a peer median of 14.46%, return on equity 10.69% against a peer median of 9.43% and uninsured deposit share 32.47% against a peer median of 39.54%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Prosperity Bank | State nonmember bank | TX | $43.9 bn | 15.24% | 7.42% | 42.73% | |
| Barclays Bank Delaware | State nonmember bank | DE | $43.5 bn | 13.69% | 17.40% | 7.18% | |
| MidFirst Bank | Federal savings bank | OK | $42.8 bn | 18.23% | 15.13% | 24.37% | |
| Bank OZK | State nonmember bank | AR | $41.7 bn | 11.80% | 10.69% | 32.47% | |
| Deutsche Bank Trust Company Americas | State member bank | NY | $40.5 bn | 57.52% | 3.81% | 91.30% | |
| Atlantic Union Bank | State member bank | VA | $38.0 bn | 13.02% | 10.57% | 36.36% | |
| Hancock Whitney Bank | State nonmember bank | MS | $36.3 bn | 12.86% | 8.29% | 52.01% | |
. FDIC Call Reports.
Last eight quarters
Two years at Bank OZK, to : assets +11.4%, deposits +11.2%, equity +12.3%. Staff 2,963 to 3,286; offices 245 to 272.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $37.4 bn | $38.3 bn | $39.2 bn | $41.5 bn | $41.6 bn | $40.8 bn | $41.7 bn | $41.7 bn |
| Total deposits | $30.6 bn | $31.0 bn | $31.9 bn | $33.5 bn | $34.0 bn | $33.4 bn | $33.8 bn | $34.0 bn |
| Bank equity capital | $5.6 bn | $5.7 bn | $5.8 bn | $5.9 bn | $6.1 bn | $6.1 bn | $6.2 bn | $6.3 bn |
| CET1 ratio | 11.15% | 11.34% | 11.32% | 11.13% | 11.55% | 11.72% | 11.60% | 11.80% |
| Return on equity (ROE) | 13.31% | 13.21% | 11.92% | 12.20% | 12.22% | 12.05% | 10.64% | 10.69% |
| Uninsured share of domestic deposits | 35.25% | 36.12% | 36.30% | 37.13% | 35.35% | 35.76% | 33.10% | 32.47% |
| Full-time equivalent employees | 2,963 | 3,028 | 3,098 | 3,205 | 3,246 | 3,280 | 3,351 | 3,286 |
| Number of offices | 245 | 247 | 249 | 256 | 262 | 268 | 271 | 272 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Bank OZK, oldest first; figures before and after each event are not like for like.
- . Absorbed Community & Southern Bank (FDIC certificate 59010).
- . Absorbed C1 Bank (FDIC certificate 34092).
Large one-quarter moves at Bank OZK
- Total assets at Bank OZK changed by +50.3% in the quarter to 2016-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from C1 Bank, Community & Southern Bank.
Questions and identifiers
What were the total assets of Bank OZK?
Bank OZK reported $41.7 bn at in its Call Report. That makes Bank OZK the 57th largest of 497 banks in our US coverage.
Is Bank OZK profitable?
Bank OZK reported net income of $330.7 mn for the year to ; annualized return on equity: 10.69%. So yes: Bank OZK made a profit over these months.
When is data for Bank OZK next updated?
Figures from Bank OZK for are due after .
Where can I check the figures for Bank OZK?
In the FDIC BankFind Suite record for certificate 110, and in the Call Reports of Bank OZK (RSSD ID 107244) at the FFIEC Central Data Repository.