Bank OZK


18000 Cantrell Rd
Little Rock, AR 72223
See all branch locations →

Phone 800 274 4482

Notable Rates APY Vs.Others
Savings N.A. 4.08% →
1-Year CD 0.18% 4.71% →
2-Year CD N.A. 4.73% →
5-Year CD N.A. 4.75% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 1.93% →

2022 Overview

General Bank Information

Bank OZK is an FDIC insured institution located in Little Rock, AR. It was founded in 1903 and has approximately $25.92 billion in assets. Customers can open an account at one of its 270 branches.

FDIC Insured Yes
FDIC Certificate # 110
Date Established 1903
Assets $ 25.92 billion
Loans $ 18.55 billion
Deposits $ 19.98 billion
Capital $ 4.61 billion

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

Deposit Rates - December 6, 2022

Your Current Location: Virginia, VA 20146

Online 1-Year CD
0.18% $1,000 - Learn More


Loan Rates - December 6, 2022

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank OZK

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 2022

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PenFed Credit Union
NMLS ID: 401822
5.956% 5.875%
0.88 points
$2,188 fees
$1,479 Learn More
Northpointe Bank
NMLS ID: 447490
5.827% 5.750%
0.88 points
$2,100 fees
$1,459 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
7.527% 7.375%
1.00 points
$3,750 fees
$1,727 Learn More
NMLS ID: 1907

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Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR 6.490 %
After Intro: 7.500 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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6.240 %
$0 Learn More
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Note to Bank OZK
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Financial Details

Bank OZK Ratio Analysis

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

Texas Ratio
Bank OZK U.S. Bank Average
0.79% 4.06%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2022, Bank OZK had $35,843,000 in non-current loans and $2,246,000 in owned real estate. To cover these potential losses it had $4,609,902,000 in equity and $190,795,000 in loans loss reserves. That gives it a Texas Ratio of 0.79%.

Return on Equity
Bank OZK U.S. Bank Average
11.42% 9.98%

Bank OZK has a Return on Equity of 11.42% versus the BestCashCow average of 9.98%. 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.

Bank OZK U.S. Bank Average
17.79% 10.23%

Bank OZK has a Capitalization of 17.79% versus the BestCashCow average of 10.23. 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 OZK Balance Sheet Analysis

As of June 30, 2022, Bank OZK had assets of $25,919,965,000, loans of $18,551,922,000, and deposits of $19,984,187,000. 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.

Summary Balance Sheet

June 30, 2022
Cash & Balances due from depository institutions $ 1,140.45 million
Interest-bearing balances $ 958.25 million
Total securities $ 3.71 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 18.55 billion
Loan loss allowance $ 190.80 million
Trading account assets $ 4.08 million
Bank premises and fixed assets N.A.
Other real estate owned $ 2.25 million
Goodwill and other intangibles $ 666.03 million
All other assets $ 1,162.34 million
     Total Assets $ 21.31 billion
Total deposits $ 19.98 billion
      Interest-bearing deposits $ 14.87 billion
      Deposits held in domestic offices $ 19.98 billion
      % insured (estimated) 59.67%
Federal funds purchased and repurchase agreements $ 5.19 million
Trading liabilities N.A.
Other borrowed funds $ 500.03 million
Subordinated debt $ 467.85 million
All other liabilities $ 352.81 million
      Total Liabilities $ 21.31 billion
      Shareholders’ Equity $ 4.61 billion

Summary Income Statement

June 30, 2022
Total Interest Income $ 543.86 million
Total Interest Expense $ 28.72 million
Net interest income $ 515.14 million
Provision for loan and lease losses $ 11.21 million
Total non interest income $ 57.80 million
Total non interest expense $ 217.02 million
Pre-tax Net Operating Income $ 344.70 million

Bank Loan Profile?

The top three loan types in Bank OZK’s loan portfolio are Construction and Development Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks in Arkansas, Bank OZK 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 5.26
Credit Card Loans 0.00
Consumer Auto Loans 0.03
Small Business Loans 2.41
Construction and Development Loans 42.10
Commercial Real Estate 22.65
Commercial and Industrial Loans 3.75
Farm Loans 0.02

Customer Reviews for Bank OZK

  • September 20, 2021 |

    Run for them hills and quickly too I might add if you want to keep more of your money than you put in their process for any length of time. If they can run a automatic payment to come out of my account even though I didn't have enough money in my account to take the payment out and causing my account to be overdrawn and God only knows what kind of amount that will be either way it's going to cause my next month's disability check to send me right back to overdrawn for it too. Who knows how long it will take to get my head above water. But they don't think that my debit card has taken out of my account 3 pages of dates, times and locations that almost 1000 dollars within less than 18 hour stretch ending in the very early morning hours? They should have gotten in a vehicle and driven to my house with the red flags waving or something other than that. My debt card has been declined before when I went to the store and they didn't mind embarrassing me to death when they declined it so why did one payment work and go through and the other one didn't. I'll let you know why they got to make some money off me too by letting that go through but they didn't have anything to gain by shutting down the payment that I will pay big and be in a bad place trying to get by and above water. And they've even said to change banks I'd have to have enough money in my account to cover my payments for 2 months. Guess that'll work living on my disability income wrong and wouldn't even let me raise the amount that I could take out of the atm so I don't have to pay someone to take me to the bank when my check deposits so who's money is that in the account with all my information on it? I hate this bank. And they keep going down hill because I'm usually one of those people who keeps giving people too many chances rather than stop looking for good when you already have enough proof it's not good and never will be. You are not the original owner that opened The Bank of the Carolinas are you? Can't be the same ones who did. They were good people who took care of their customers. Got to get some ducks in a row and rowing away from here asap.

  • August 19, 2020

    CDs 12 Month Rates

    Customer service is horrible with this bank. Beware!

  • February 5, 2020 |

    Had difficulty finding a phone number for the local branch and when i finallly was able to speak with someone, they knew nothing about a 9 month IRA CD @ 2.00%

  • January 14, 2020

    Every time I try to go to, I am unable to pull up personal banking and login to check my accounts. This is very frustrating to the point that I may have to change banks.

  • January 27, 2017

    CDs 13 Month Rates

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

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