Bank of the Ozarks

17901 Chenal Parkway
Little Rock, AR 72223

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 110
Date Established 1903
Assets $20.07 billion
Loans $15.10 billion
Deposits $16.24 billion
Capital $3.26 billion

Bank of the Ozarks is an FDIC insured institution located in Little Rock, AR. It was founded in 1903 and has approximately $20.07 billion in assets. Customers can open an account at one of its 269 branches.

For a more detailed analysis of Bank of the Ozarks's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of the Ozarks’s loan portfolio are Construction and Development Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in Arkansas, Bank of the Ozarks has a significantly higher percent of Multifamily Mortgages, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 8.06
Multifamily
Mortgages
5.85
Credit Card Loans 0.00
Consumer Auto Loans 1.67
Small Business Loans 3.83
Construction and Development Loans 36.46
Commercial Real Estate 32.53
Commercial and Industrial Loans 2.81
Farm Loans 0.07

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.05% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.08% $1,000 - Learn MoreShow Less
Special: 10 Mo CD
1.10% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.05% $100 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.18% $1,000 - Learn MoreShow Less
Special: 10 Mo FIRA
1.10% $1,000 - Learn MoreShow Less
Special: 13 Mo FIRA
1.36% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.30% $1,000 - Learn MoreShow Less
Special: VIRA
0.20% $1,000 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.05% $1,000 - Learn MoreShow Less
PREMM Rates APY MIN MAX
PREMMM10K
0.10% $10,000 $24,999 Learn MoreShow Less
Premium MM 25K
0.15% $25,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.01% $1 - Learn MoreShow Less
Int Ckg 0K
0.05% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of the Ozarks

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Bank of the Ozarks
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Bank of the Ozarks branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bank Of The Ozarks Locations

Financial Details

Bank of the Ozarks Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of the Ozarks. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of the Ozarks U.S. Bank Average
2.8% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Bank of the Ozarks had $60,181,000 in non-current loans and $33,466,000 in owned real estate. To cover these potential losses it had $3,263,154,000 in equity and $82,320,000 in loans loss reserves. That gives it a Texas Ratio of 2.8%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of the Ozarks U.S. Bank Average
11.3% 8.58

Bank of the Ozarks has a Return on Equity of 11.3% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of the Ozarks U.S. Bank Average
16.26% 12.11

Bank of the Ozarks has a Capitalization of 16.26% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of the Ozarks Balance Sheet Analysis

As of June 30, 2017, Bank of the Ozarks had assets of $20,068,595,000, loans of $15,102,022,000, and deposits of $16,241,570,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Bank of the Ozarks

Branches and Savings

Is Bank of the Ozarks FDIC insured?

Yes. It is covered under FDIC Certificate #110.

Why does Bank of the Ozarks pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank of the Ozarks CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank of the Ozarks a commercial bank?

Yes

Where are Bank of the Ozarks locations?

See branch locations nearby.

Is Bank of the Ozarks open on Saturdays?

Is Bank of the Ozarks open on Sundays?

What time does Bank of the Ozarks open?

What time does Bank of the Ozarks close?

Are Bank of the Ozarks ATMs Open 24/7?

Do Bank of the Ozarks ATMs accept cash deposits?

Can Bank of the Ozarks customers use other ATMs?

Do Bank of the Ozarks branches have notaries?

Will Bank of the Ozarks notarize my document?

What address for Bank of the Ozarks should I put for incoming ACH transfers?

Will the Bank of the Ozarks branch print checks?

Do Bank of the Ozarks checks expire?

Does Bank of the Ozarks require US citizenship to open account?

Can Bank of the Ozarks close my account?

Does Bank of the Ozarks Report to credit bureaus?

Does Bank of the Ozarks Use Equifax?

What is Bank of the Ozarks's ACH Routing Number?

What is Bank of the Ozarks's SWIFT code?

Products

Does Bank of the Ozarks offer mortgages?

Compare mortgage rates here.

Does Bank of the Ozarks offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank of the Ozarks offer personal loans?

Compare personal loan rates here.

Does Bank of the Ozarks offer student loans?

Will Bank of the Ozarks cash a check?

Will Bank of the Ozarks redeem a savings bond?

Does Bank of the Ozarks cash savings bonds?

Will Bank of the Ozarks cash money orders?

Can Bank of the Ozarks issue a money order?

Does Bank of the Ozarks do currency exchange?

Background on The Bank

Who owns Bank of the Ozarks?

How long has Bank of the Ozarks been around?

Can Bank of the Ozarks transfer to other banks?

Does Bank of the Ozarks have quick pay?

Does Bank of the Ozarks accept rolled coins?

Will Bank of the Ozarks accept loose change?

Where is Bank of the Ozarks headquarters?

Customer Reviews for Bank of the Ozarks


  • joan

    January 27, 2017

    CDs 13 Month Rates

    as of 1/27/17 this rate is still available in Ocala, FL

  • 007

    September 26, 2016

    CDs 13 Month Rates

    This rate is no longer available. Spoke with rep on 9/23/2016

  • Ken Ball

    July 19, 2016 |

    CDs 13 Month Rates

    Colleyville Texas Branch

Add Your Review

Rate it here →