Bank OZK: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Little Rock, AR, Bank OZK operates as a regional commercial bank with multi-state coverage. Bank OZK's Q2 2026 balance sheet shows $41.7B in assets funded primarily by $34.0B in customer deposits. Returns are notably above industry norms: 1.63% ROA, 10.77% ROE, and 4.13% NIM. Capital cushions are healthy: 11.80% CET1, 13.96% Tier 1 leverage. Credit metrics are in line with industry norms, 1.05% NPL ratio. A 272-branch network serves customers across multiple states.
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 1.05%, a Texas ratio of 10.35%, per financial data filed with the FFIEC.
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)
- Offices
- 272 domestic
- Employees (FTE)
- 3,286
- Domestic deposits
- $34.00B
- Allowance for credit losses
- $461.5M
- Net charge-offs (YTD)
- $101.6M
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank OZK terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank OZK, 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.80% | 1.63% | 1.05% | 10.35% | 4.13% |
| Q1 2026 | 11.60% | 1.60% | 1.01% | 8.08% | 4.06% |
| Q4 2025 | 11.72% | 1.72% | 1.16% | 7.20% | 4.27% |
| Q3 2025 | 11.55% | 1.79% | 0.55% | 4.26% | 4.30% |
| Q2 2025 | 11.13% | 1.84% | 0.47% | 5.42% | 4.27% |
| Q1 2025 | 11.32% | 1.79% | 0.21% | 3.78% | 4.17% |
| Q4 2024 | 11.34% | 1.92% | 0.44% | 3.65% | 4.28% |
| Q3 2024 | 11.15% | 1.95% | 0.61% | 4.76% | 4.49% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 256 branches →
| 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 | M&A | merger | SEC |
| June 27, 2017 | Structure Change | Acquired Bank of the Ozarks Inc Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 22, 2016 | M&A | merger | 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 | merger | 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 | merger | 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 | merger | 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 | merger | 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 | merger | 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 | merger | 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 | merger | 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 | failure_government_assistance_provided | 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 | failure_government_assistance_provided | 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 | M&A | failure_government_assistance_provided | SEC |
| December 18, 2010 | Structure Change | Acquired Chestatee State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 17, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 11, 2010 | M&A | failure_government_assistance_provided | SEC |
| September 11, 2010 | Structure Change | Acquired Horizon Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 10, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 17, 2010 | M&A | failure_government_assistance_provided | 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 | failure_government_assistance_provided | 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 | M&A | merger | SEC |
| June 13, 2003 | Structure Change | Acquired River Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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
What the public regulatory sources show for Bank OZK, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 10.7% of deposits in AR, rank 2 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 67 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank OZK headquartered?
Bank OZK is headquartered in Little Rock, AR, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank OZK founded?
Bank OZK was established in 1903, per the FDIC institution directory.
Is Bank OZK FDIC-insured?
Yes. Bank OZK 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank OZK's CET1 capital ratio?
Bank OZK 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?
Bank OZK 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?
Bank OZK's Texas Ratio is 10.35% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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