Bank OZK: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 8.59 percentage points in Q2 2026, from 144.03% to 135.44%. It was the largest change from Q1 2026 among the key lines here. Bank OZK ranks 23rd of 78 Arkansas banks on return on assets, in the upper half at 1.63% (Q2 2026). The median for banks in the $10B-100B asset tier is 1.30% on return on assets. Bank OZK sits 0.34 points higher, at 1.63% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.80% |
| Tier 1 risk-based capital ratio | 12.56% |
| Total risk-based capital ratio | 14.83% |
| Tier 1 leverage ratio | 13.96% |
| Equity capital to assets | 15.05% |
| Tangible equity to tangible assets | 13.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.05% |
| Non-performing assets ratio | 1.51% |
| Net charge-off ratio | 0.69% |
| Texas ratio | 10.35% |
| Allowance for credit losses to loans | 1.42% |
| Reserve coverage of non-performing loans | 135.44% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.63% |
| Return on equity | 10.77% |
| Net interest margin | 4.13% |
| Efficiency ratio | 39.16% |
| Yield on earning assets | 6.65% |
| Cost of funds | 2.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.78% |
| Core deposits to total deposits | 75.91% |
| Brokered deposits to total deposits | 7.40% |
| Deposits to assets | 81.52% |
| Securities to assets | 10.16% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.77% | 11.66% | 14.10% | 14.24% | 2.18% |
| Q4 2023 | 10.79% | 11.66% | 14.10% | 13.91% | 2.09% |
| Q1 2024 | 10.63% | 11.45% | 13.84% | 13.58% | 1.99% |
| Q2 2024 | 10.91% | 11.74% | 14.12% | 13.52% | 1.95% |
| Q3 2024 | 11.15% | 11.96% | 14.34% | 13.64% | 1.95% |
| Q4 2024 | 11.34% | 12.15% | 14.49% | 13.73% | 1.92% |
| Q1 2025 | 11.32% | 12.11% | 14.43% | 13.85% | 1.79% |
| Q2 2025 | 11.13% | 11.89% | 14.17% | 13.59% | 1.84% |
| Q3 2025 | 11.55% | 12.32% | 14.61% | 13.47% | 1.79% |
| Q4 2025 | 11.72% | 12.50% | 14.80% | 13.64% | 1.72% |
| Q1 2026 | 11.60% | 12.35% | 14.63% | 13.77% | 1.60% |
| Q2 2026 | 11.80% | 12.56% | 14.83% | 13.96% | 1.63% |
Bank OZK vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank OZK, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)