18000 Cantrell Rd
Little Rock, AR 72223
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Phone 800 274 4482
Bank OZK is an FDIC insured institution located in Little Rock, AR. It was founded in 1903 and has approximately $26.89 billion in assets. Customers can open an account at one of its 270 branches.
FDIC Insured | Yes |
FDIC Certificate | # 110 |
Date Established | 1903 |
Assets | $ 26.89 billion |
Loans | $ 19.05 billion |
Deposits | $ 21.29 billion |
Capital | $ 4.19 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.
Your Current Location: Connecticut, CT 06828
CD Rates | APY | MIN | MAX | |
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Online 1-Year CD
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0.18% | $1,000 | - |
Learn More
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Your Current Location: Connecticut, CT 06828
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:
Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
---|---|---|---|---|---|---|
![]() NMLS ID: 2890 License#: 13256 |
2.945% | 2.875% | 0.88 | $2,245 | $1,038 | Learn More |
Lender | APR (%)? | Monthly Payment? | Learn More |
---|---|---|---|
![]() Third Federal Savings and Loan See Table |
2.240 %
|
$0 |
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![]() Bethpage Federal Credit Union See Table |
Intro APR 2.990 % After Intro: 3.750 % Intro Period: 12 months |
$25,000 |
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More Info |
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Your Location:
Fairfield,Connecticut
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 BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Bank OZK | U.S. Bank Average |
---|---|
1.6% | 6.14% |
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 September 30, 2020, Bank OZK had $55,981,000 in non-current loans and $16,105,000 in owned real estate. To cover these potential losses it had $4,189,373,000 in equity and $308,847,000 in loans loss reserves. That gives it a Texas Ratio of 1.6%.
Bank OZK | U.S. Bank Average |
---|---|
5.53% | 9.23% |
Bank OZK has a Return on Equity of 5.53% versus the BestCashCow average of 9.23%. 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 |
---|---|
15.58% | 12.07% |
Bank OZK has a Capitalization of 15.58% versus the BestCashCow average of 12.07. 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.
As of September 30, 2020, Bank OZK had assets of $26,888,308,000, loans of $19,049,596,000, and deposits of $21,287,405,000. 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.
ASSETS | |
---|---|
Cash & Balances due from depository institutions | $ 1,934.10 million |
Interest-bearing balances | $ 1,782.87 million |
Total securities | $ 3.47 billion |
Federal funds sold and reverse repurchase | N.A. |
Net loans and leases | $ 19.05 billion |
Loan loss allowance | $ 308.85 million |
Trading account assets | N.A. |
Bank premises and fixed assets | N.A. |
Other real estate owned | $ 16.11 million |
Goodwill and other intangibles | $ 677.25 million |
All other assets | $ 1,003.95 million |
Total Assets | $ 22.70 billion |
LIABILITIES | |
---|---|
Total deposits | $ 21.29 billion |
Interest-bearing deposits | $ 17.38 billion |
Deposits held in domestic offices | $ 21.29 billion |
% insured (estimated) | 70.02% |
Federal funds purchased and repurchase agreements | $ 4.99 million |
Trading liabilities | N.A. |
Other borrowed funds | $ 750.95 million |
Subordinated debt | $ 344.29 million |
All other liabilities | $ 311.30 million |
Total Liabilities | $ 22.70 billion |
Shareholders’ Equity | $ 4.19 billion |
INCOME AND EXPENSES | |
---|---|
Total Interest Income | $ 807.39 million |
Total Interest Expense | $ 156.36 million |
Net interest income | $ 651.02 million |
Provision for loan and lease losses | $ 196.89 million |
Total non interest income | $ 71.48 million |
Total non interest expense | $ 310.02 million |
Pre-tax Net Operating Income | $ 215.60 million |
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.
% Loans |
% Comparison to Other Banks |
|||
---|---|---|---|---|
Low | Med | High | ||
1-4 Family Residential Loans | 5.07 | ✓ | ||
Multifamily Mortgages |
7.07 | ✓ | ||
Credit Card Loans | 0.00 | ✓ | ||
Consumer Auto Loans | 0.15 | ✓ | ||
Small Business Loans | 2.97 | ✓ | ||
Construction and Development Loans | 38.88 | ✓ | ||
Commercial Real Estate | 23.18 | ✓ | ||
Commercial and Industrial Loans | 4.96 | ✓ | ||
Farm Loans | 0.05 | ✓ |
Yes. It is covered under FDIC Certificate #110.
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Yes
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ruth
August 19, 2020
Customer service is horrible with this bank. Beware!
Is this review helpful? Yes:0 / No: 0
mchc49@att.net
February 05, 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%
Is this review helpful? Yes:0 / No: 0
Linda H Chatham
January 14, 2020
Every time I try to go to https://www.bankozk.com, 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.
Is this review helpful? Yes:0 / No: 0
joan
January 27, 2017
as of 1/27/17 this rate is still available in Ocala, FL
Is this review helpful? Yes:1 / No: 0
007
September 26, 2016
This rate is no longer available. Spoke with rep on 9/23/2016
Is this review helpful? Yes:2 / No: 0
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