Bank OZK
Total assets
$41.70B
▲ +0.6% YoY
Deposits
$34.00B
▲ +1.4% YoY
Loans
$32.10B
▼ -1.2% YoY
Offices
272
ROA (annualized)
1.60%
peers 1.23%
ROE (annualized)
10.69%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | Bank OZK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +5.9% | -5.3 pts |
| Deposit growth (YoY) | +1.4% | +5.7% | -4.3 pts |
| Loan growth (YoY) | -1.2% | +6.9% | -8.1 pts |
| ROA | 1.60% | 1.23% | +0.4 pts |
| ROE | 10.7% | 11.2% | -0.5 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
Profile
- Established
- 1903
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 18000 Cantrell Rd, Little Rock, AR, 72223
- County
- Pulaski
- Metro area
- Little Rock-North Little Rock-Conway, AR
- Offices
- 272
- FDIC cert #
- 110
- RSSD ID
- 107244
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $41.70B | $34.00B | $32.10B | $6.28B | $330.7M | 1.60% | 4.14% | 1.41% |
| Q1 2026 | $41.66B | $33.76B | $32.50B | $6.16B | $163.4M | 1.59% | 4.11% | 1.07% |
| Q4 2025 | $40.79B | $33.38B | $31.84B | $6.13B | $715.5M | 1.78% | 4.33% | 0.97% |
| Q3 2025 | $41.61B | $33.98B | $32.31B | $6.09B | $539.5M | 1.79% | 4.31% | 0.53% |
| Q2 2025 | $41.45B | $33.52B | $32.49B | $5.92B | $354.9M | 1.79% | 4.26% | 0.52% |
| Q1 2025 | $39.17B | $31.93B | $30.62B | $5.83B | $172.0M | 1.78% | 4.23% | 0.54% |
| Q4 2024 | $38.26B | $31.04B | $29.50B | $5.71B | $716.5M | 1.96% | 4.59% | 0.52% |
| Q3 2024 | $37.44B | $30.57B | $28.80B | $5.59B | $534.3M | 1.97% | 4.67% | 0.68% |
Loan mix (Q2 2026): real estate $20.15B · commercial $4.60B · consumer $4.50B · securities $4.24B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Bank OZK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.23% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 11.3% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.55% | 82th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.5% | 54.9% | 15th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Bank OZK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Bank OZK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Bank OZK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Bank OZK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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