Bank OZK: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank OZK of Little Rock, AR against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.63% | 1.34% | +0.29% | 78th top |
| ROAE | 10.77% | 12.30% | -1.53% | 48th below |
| Net Interest Margin | 4.13% | 3.67% | +0.46% | 84th top |
| Efficiency Ratio | 39.16% | 53.97% | -14.81% | 90th top |
| PPNR / Avg Assets | 2.53% | 1.95% | +0.58% | 85th top |
| Yield on Earning Assets | 6.65% | 5.56% | +1.09% | 92nd top |
| Cost of Funds | 2.60% | 1.99% | +0.61% | 19th bottom |
| Net Interest Spread | 3.47% | 2.97% | +0.50% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.05% | 1.05% | +0.00% | 37th below |
| NPA / Total Assets | 1.51% | 0.75% | +0.76% | 7th bottom |
| NCO / Avg Loans | 0.69% | 0.35% | +0.34% | 11th bottom |
| ACL / Total Loans | 1.42% | 1.37% | +0.05% | 82nd top |
| ACL / NPLs (Coverage) | 135.44% | 210.75% | -75.31% | 46th below |
| Texas Ratio | 10.35% | 10.24% | +0.11% | 21st bottom |
| Provision / NCO | 86.04% | 107.66% | -21.62% | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.80% | 14.78% | -2.98% | 19th bottom |
| Tier 1 Ratio | 12.56% | 14.89% | -2.33% | 38th below |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.83% | 16.09% | -1.26% | 61st above |
| Leverage Ratio | 13.96% | 10.23% | +3.73% | 97th top |
| Equity / Assets | 15.05% | 11.51% | +3.54% | 90th top |
| TCE / Tangible Assets | 12.86% | 9.44% | +3.42% | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.78% | 83.76% | +12.02% | 17th bottom |
| Core Deposit Ratio | 75.91% | 86.88% | -10.97% | 13th bottom |
| Uninsured Deposit Ratio | 32.47% | 39.01% | -6.54% | 68th above |
| Wholesale Funding Ratio | 1.11% | 5.70% | -4.59% | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.60% | 10.19% | -9.59% | 18th bottom |
| Loan Growth (Y/Y) | -1.35% | 10.24% | -11.59% | 11th bottom |
| Deposit Growth (Y/Y) | 1.42% | 10.03% | -8.61% | 26th below |
See Bank OZK's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank OZK, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank OZK profile, how to read a UBPR, or how this data updates.