BANK OZK

LITTLE ROCK, AR | Regional | Est. March 3, 1903, midnight | FDIC #110 | RSSD #107244 | FDIC
Latest Report: 2025-12-31

BANK OZK is arn regional FDIC-insured commercial bank headquartered in LITTLE ROCK, AR, established in March 3, 1903, midnight. As of 2025-12-31, the bank reported total assets of $40.8B and total deposits of $33.4B. Profitability stands at 1.71% ROA and 11.52% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 11.72%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.06% and a Texas Ratio of 5.99%. FDIC Certificate #110.

Assets

$40.8B

Deposits

$33.4B

Loans

$32.3B

Equity

$6.1B

Profitability

Return on Assets (ROA) 1.71%
Return on Equity (ROE) 11.52%
Net Interest Margin (NIM) 4.30%
Yield on Assets 7.08%
Cost of Funds 3.20%

Asset Quality

NPL Ratio 1.06%
Net Charge-Off Ratio 0.50%
Texas Ratio 5.99%
NPA Ratio 0.97%
ACL / Loans 1.47%

Capital & Liquidity

CET1 Ratio 11.72%
Tier 1 Capital 12.50%
Total Capital Ratio 14.80%
Leverage Ratio 13.64%
Loan-to-Deposit 96.80%

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