Bank OZK
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Data as of · sourced from FFIEC call reports. How we update
Bank OZK is an FDIC-insured commercial bank headquartered in Little Rock, AR, established in 1903 (FDIC certificate 110), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $41.70B, up 0.6% from Q2 2025, the largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 11.80% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 110
- Headquarters
- Little Rock, AR
- Established
- 1903
- Total assets, Q2 2026
- $41.70B
- Assets vs Q2 2025
- +0.6%
- CET1 ratio, Q2 2026
- 11.80%
- Domestic offices
- 272 FDIC institution directory, current count
- Routing number
- 082907273
- Asset rank in state
- 1st of 78 in Arkansas
Problem loans are rising at Bank OZK. Based in Little Rock, Arkansas, it had $41.7 billion in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.91% of loans from 0.17% a year earlier. It funds 13.96% of its assets with Tier 1 capital, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 10.25%). On the other hand, it carries problem assets equal to 9.6% of the capital and reserves that would absorb them, about double the median of 4.2% for banks its size.
The non-owner-occupied commercial real estate book ($7.8 billion) is worsening: 2.39% of it is past due or on nonaccrual, up from 0.07% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.9 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Bank OZK reported a CET1 capital ratio of 11.80%, a return on assets of 1.63%, a nonperforming-loan ratio of 0.92% and a Texas ratio of 9.64%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, Bank OZK is the largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.1% to $41.70B, loans fell 1.3% and deposits rose 0.7%. Non-owner-occupied commercial real estate loans made up 24.0% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 21.3%. On its Q2 2026 call report, Bank OZK meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 18000 Cantrell Rd, Little Rock, AR 72223
- County
- Pulaski
- Metro Area
- Little Rock-North Little Rock-Conway, AR
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 3, 1903
- Former names
- Bank of the Ozarks (2016-2018); Bank of the Ozarks, nwa (1994-1999)
- Domestic offices
- 272 FDIC institution directory, current count
- Employees (FTE)
- 3,286
- Domestic deposits
- $34.00B
- Allowance for credit losses
- $461.5M
- Net charge-offs (YTD)
- $101.6M
- Average total assets
- $41.06B
- Average total loans
- $32.83B
- Average interest-bearing deposits
- $32.82B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 110
- Fed RSSD
- 107244
- SEC CIK
- 1569650 →
- Website
- http://www.ozk.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Bank OZK's total assets moved between a low of $32.77B (Q3 2023) and a high of $41.70B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$41.70B total assets against $41.45B; $35.43B total liabilities against $35.53B.
$32.10B net loans and leases against $32.49B; $34.00B total deposits against $33.52B.
$4.24B securities against $2.82B; $1.55B cash and balances due against $2.71B.
$635.0M total interest income against $668.3M; $242.9M total interest expense against $271.6M.
$392.1M net interest income against $396.7M.
$37.9M total noninterest income against $31.4M; $170.6M total noninterest expense against $153.2M.
$45.6M provision for credit losses against $35.2M.
$167.4M net income against $183.0M.
1.63% return on assets against 1.84%; 4.13% net interest margin against 4.27%.
11.80% CET1 capital ratio against 11.13%; 13.96% tier 1 leverage ratio against 13.59%.
Inside the full Bank OZK terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank OZK rankings
Its closest position to the top of a national ranking is 56 of 4,196, for total assets; its furthest is 1,773 of 2,134, for CET1 ratio.
Metric pages for Bank OZK: Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.60% (Q1 2026) to 1.95% (Q3 2024) and its net interest margin ran from 4.06% (Q1 2026) to 4.49% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.80% | 1.63% | 0.92% | 9.64% | 4.13% |
| Q1 2026 | 11.60% | 1.60% | 0.90% | 7.37% | 4.06% |
| Q4 2025 | 11.72% | 1.72% | 1.06% | 6.62% | 4.27% |
| Q3 2025 | 11.55% | 1.79% | 0.46% | 3.67% | 4.30% |
| Q2 2025 | 11.13% | 1.84% | 0.18% | 3.73% | 4.27% |
| Q1 2025 | 11.32% | 1.79% | 0.20% | 3.73% | 4.17% |
| Q4 2024 | 11.34% | 1.92% | 0.44% | 3.60% | 4.28% |
| Q3 2024 | 11.15% | 1.95% | 0.60% | 4.70% | 4.49% |
Swipe the table sideways to see every column.
Branch Network
View all 256 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank OZK (main office) | Little Rock , AR | 72223 | $6.58B |
| 23 Springs Branch | Dallas , TX | 75201 | $1.39B |
| Maple Branch | Carrollton , GA | 30117 | $741.0M |
| Madison Branch | Madison , TN | 37115 | $465.4M |
| Winder Athens Street Branch | Winder , GA | 30680 | $451.0M |
| Dalton Morris Street Branch | Dalton , GA | 30720 | $431.1M |
| Houston Montrose Branch | Houston , TX | 77006 | $424.4M |
| Rome Branch | Rome , GA | 30161 | $394.8M |
| Beach Drive Branch | Saint Petersburg , FL | 33701 | $368.6M |
| Ocala Branch | Ocala , FL | 34481 | $361.7M |
| Blairsville Branch | Blairsville , GA | 30512 | $325.1M |
| Miami Wynwood Branch | Miami , FL | 33127 | $292.9M |
| Blue Ridge Branch | Blue Ridge , GA | 30513 | $284.9M |
| Plano Branch | Plano , TX | 75093 | $251.2M |
| Charlotte Park Road Branch | Charlotte , NC | 28209 | $249.4M |
| Dale Mabry Branch | Tampa , FL | 33618 | $245.7M |
| Port Charlotte Branch | Port Charlotte , FL | 33948 | $213.4M |
| Cornelia Branch | Cornelia , GA | 30531 | $213.3M |
| Dallas Ga Branch | Dallas , GA | 30157 | $211.7M |
| Canton Branch | Canton , GA | 30114 | $206.3M |
| Ellijay Branch | Ellijay , GA | 30540 | $203.7M |
| Shelby Main Branch | Shelby , NC | 28150 | $201.9M |
| Loganville Branch | Loganville , GA | 30052 | $196.2M |
| Dawsonville Main Branch | Dawsonville , GA | 30534 | $191.9M |
| Belleair Branch | Belleair Bluffs , FL | 33770 | $191.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 27, 2017 | Structure Change | Acquired Bank of the Ozarks Inc Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 27, 2017 | M&A | Acquired Bank of the Ozarks Inc merger for the acquired bank | SEC |
| July 22, 2016 | M&A | Acquired C1 Bank merger for the acquired bank | SEC |
| July 22, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 22, 2016 | Structure Change | Acquired C1 Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 21, 2016 | M&A | Acquired Community & Southern Bank merger for the acquired bank | SEC |
| July 21, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 21, 2016 | Structure Change | Acquired Community & Southern Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 6, 2015 | M&A | Acquired Bank of the Carolinas merger for the acquired bank | SEC |
| August 6, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 6, 2015 | Structure Change | Acquired Bank of the Carolinas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 11, 2015 | M&A | Acquired Intervest National Bank merger for the acquired bank | SEC |
| February 11, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 11, 2015 | Structure Change | Acquired Intervest National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 17, 2014 | M&A | Acquired Summit Bank merger for the acquired bank | SEC |
| May 17, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 17, 2014 | Structure Change | Acquired Summit Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 6, 2014 | M&A | Acquired OMNIBANK, National Association merger for the acquired bank | SEC |
| March 6, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 6, 2014 | Structure Change | Acquired OMNIBANK, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2013 | M&A | Acquired The First National Bank of Shelby merger for the acquired bank | SEC |
| August 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2013 | Structure Change | Acquired The First National Bank of Shelby Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2013 | M&A | Acquired The Citizens Bank merger for the acquired bank | SEC |
| January 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2013 | Structure Change | Acquired The Citizens Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2011 | M&A | Acquired The Park Avenue Bank failure_government_assistance_provided for the acquired bank | SEC |
| April 30, 2011 | Structure Change | Acquired The Park Avenue Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 29, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 15, 2011 | M&A | Acquired Oglethorpe Bank failure_government_assistance_provided for the acquired bank | SEC |
| January 15, 2011 | Structure Change | Acquired Oglethorpe Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 14, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| December 18, 2010 | Structure Change | Acquired Chestatee State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 18, 2010 | M&A | Acquired Chestatee State Bank failure_government_assistance_provided for the acquired bank | SEC |
| December 17, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 11, 2010 | Structure Change | Acquired Horizon Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 11, 2010 | M&A | Acquired Horizon Bank failure_government_assistance_provided for the acquired bank | SEC |
| September 10, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 17, 2010 | M&A | Acquired Woodlands Bank failure_government_assistance_provided for the acquired bank | SEC |
| July 17, 2010 | Structure Change | Acquired Woodlands Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 16, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| March 27, 2010 | M&A | Acquired Unity National Bank failure_government_assistance_provided for the acquired bank | SEC |
| March 27, 2010 | Structure Change | Acquired Unity National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 26, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| April 19, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 13, 2003 | Structure Change | Acquired River Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 13, 2003 | M&A | Acquired River Valley Bank merger for the acquired bank | SEC |
| June 12, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 48 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 10.7% of deposits in AR, rank 2 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 41 loans, $13.6M approved, $331K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 68 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank OZK
What are Bank OZK's total assets?
As of the Q2 2026 filing, Bank OZK reported total assets of $41.70 billion in its FFIEC call report.
Where is Bank OZK headquartered?
It is headquartered in Little Rock, AR, United States.
When was Bank OZK founded?
It was established in 1903, per the FDIC institution directory.
Is Bank OZK FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #110). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank OZK?
Bank OZK's primary federal regulator is the FDIC.
What is Bank OZK's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.80% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank OZK operate?
It operates 272 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank OZK's Texas Ratio?
Its Texas Ratio is 9.64% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Bank OZK previously called?
The charter now named Bank OZK has also operated as Bank of the Ozarks (2016-2018), Bank of the Ozarks, nwa (1994-1999), per FDIC structure-change records.
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