Bank OZK: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 30.98 percentage points in Q2 2026, from 321.41% to 290.43%. It was the largest change from Q1 2026 among the key lines here. Bank OZK ranks 18th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 95.78% (Q2 2026). Bank OZK reported 95.78% on loan-to-deposit ratio for Q2 2026, 8.94 points above the 86.83% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $32.56B |
| Net loans and leases | $32.10B |
| Loans held for sale | $4.3M |
| Loans to total assets | 78.08% |
| Loan-to-deposit ratio | 95.78% |
| Net loans to equity capital | 5.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.58% |
| Multifamily (5+ residential) | 7.82% |
| Commercial and industrial | 14.14% |
| Consumer | 13.82% |
| Credit cards | 0.00% |
| Farm | 1.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 290.43% |
| Construction concentration (Tier 1 capital + allowance) | 113.79% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.15% |
| Interest income on loans | $587.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $25.33B | $25.55B | 20.73% | 4.96% | 11.59% |
| Q4 2023 | $26.46B | $27.41B | 20.07% | 4.80% | 11.21% |
| Q1 2024 | $28.03B | $29.41B | 19.94% | 4.83% | 11.31% |
| Q2 2024 | $28.67B | $29.94B | 22.60% | 5.23% | 11.92% |
| Q3 2024 | $29.22B | $30.57B | 27.12% | 5.15% | 12.20% |
| Q4 2024 | $29.97B | $31.04B | 26.17% | 5.77% | 12.21% |
| Q1 2025 | $31.11B | $31.93B | 25.71% | 6.64% | 12.12% |
| Q2 2025 | $33.01B | $33.52B | 26.06% | 7.06% | 12.19% |
| Q3 2025 | $32.85B | $33.98B | 27.13% | 8.74% | 12.89% |
| Q4 2025 | $32.32B | $33.38B | 26.05% | 10.62% | 13.21% |
| Q1 2026 | $32.98B | $33.76B | 26.18% | 11.58% | 13.27% |
| Q2 2026 | $32.56B | $34.00B | 26.58% | 14.14% | 13.82% |
Bank OZK loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank OZK, freeSource: Call Report Schedule RC-C, 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)