Bank OZK: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income climbed 44.1% in Q2 2026, from -$47.9M to -$26.8M. It was the largest change from Q1 2026 among the key lines here. Bank OZK ranks 28th of 37 Arkansas banks on CET1 ratio, in the lower half at 11.80% (Q2 2026). Bank OZK reported 11.80% on CET1 ratio for Q2 2026, 1.16 points below the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.80% |
| Tier 1 risk-based capital ratio | 12.56% |
| Total risk-based capital ratio | 14.83% |
| Tier 1 leverage ratio | 13.96% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $5.30B |
| Tier 1 capital | $5.64B |
| Total risk-based capital | $6.66B |
| Total equity capital | $6.28B |
| Risk-weighted assets | $44.92B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.05% |
| Tangible equity to tangible assets | 13.69% |
| Equity capital to average assets | 15.29% |
| Internal capital growth rate | 7.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $1.43B |
| Retained earnings | $4.54B |
| Preferred stock and surplus | $339.0M |
| Accumulated other comprehensive income | -$26.8M |
| Subordinated notes and debentures | $463.2M |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.77% | 11.66% | 14.10% | 14.24% | $38.03B |
| Q4 2023 | 10.79% | 11.66% | 14.10% | 13.91% | $39.20B |
| Q1 2024 | 10.63% | 11.45% | 13.84% | 13.58% | $41.11B |
| Q2 2024 | 10.91% | 11.74% | 14.12% | 13.52% | $41.26B |
| Q3 2024 | 11.15% | 11.96% | 14.34% | 13.64% | $41.62B |
| Q4 2024 | 11.34% | 12.15% | 14.49% | 13.73% | $42.11B |
| Q1 2025 | 11.32% | 12.11% | 14.43% | 13.85% | $43.22B |
| Q2 2025 | 11.13% | 11.89% | 14.17% | 13.59% | $44.81B |
| Q3 2025 | 11.55% | 12.32% | 14.61% | 13.47% | $44.35B |
| Q4 2025 | 11.72% | 12.50% | 14.80% | 13.64% | $43.92B |
| Q1 2026 | 11.60% | 12.35% | 14.63% | 13.77% | $44.84B |
| Q2 2026 | 11.80% | 12.56% | 14.83% | 13.96% | $44.92B |
Bank OZK regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank OZK, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank OZK profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 110) · FFIEC NIC profile (RSSD 107244)