Bank OZK

17901 Chenal Parkway
Little Rock, AR 72223

Phone: 800 274 4482

Notable Rates APY Vs.Others
Savings 0.05% 2.60% →
1-Year CD 0.18% 2.36% →
2-Year CD 0.45% 2.60% →
5-Year CD 1.00% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Bank OZK is an FDIC insured institution located in Little Rock, AR. It was founded in 1903 and has approximately $22.96 billion in assets. Customers can open an account at one of its 270 branches.

FDIC Insured Yes
FDIC Certificate # 110
Date Established 1903
Assets $22.96 billion
Loans $17.38 billion
Deposits $18.19 billion
Capital $4.00 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 - November 13, 2019

Your Current Location: Washington, WA 98101

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $1,000 - Learn MoreShow Less
Premium Money Market Account
0.10% $10,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.15% $25,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.05% $1,000 - Learn MoreShow Less
6 Mo CD
0.08% $1,000 - Learn MoreShow Less
Special: 10 Mo CD
2.10% $1,000 - Learn MoreShow Less
Special: 10 Mo CD
2.00% $1,000 - Learn MoreShow Less
12 Mo CD
0.18% $1,000 - Learn MoreShow Less
18 Mo CD
0.30% $1,000 - Learn MoreShow Less
24 Mo CD
0.45% $1,000 - Learn MoreShow Less
30 Mo CD
0.50% $1,000 - Learn MoreShow Less
36 Mo CD
0.55% $1,000 - Learn MoreShow Less
48 Mo CD
0.70% $1,000 - Learn MoreShow Less
60 Mo CD
1.00% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.18% $1,000 - Learn MoreShow Less
Special: 10 Mo FIRA
2.10% $500 - Learn MoreShow Less
Special: 10 Mo FIRA
2.00% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.30% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - November 13, 2019

Your Current Location: Washington, WA 98101

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 - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Infinity Mortgage Group
NMLS ID: 35972
License#: NMLS 35972
3.659% 3.625% 0.00 $1,089 $1,141 Learn More
First Internet Bank
NMLS ID: 424182
3.634% 3.625% 0.13 $280 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.625% 3.625% 0.00 ($88) $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

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

Branches

Bank OZK 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:
Seattle,Washington


Bank OZK Locations


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 BestCashCow.com 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
2.59% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2019, Bank OZK had $73,211,000 in non-current loans and $32,856,000 in owned real estate. To cover these potential losses it had $3,996,378,000 in equity and $106,642,000 in loans loss reserves. That gives it a Texas Ratio of 2.59%.

Return on Equity
Bank OZK U.S. Bank Average
11.4% 9.50%

Bank OZK has a Return on Equity of 11.4% versus the BestCashCow average of 9.50%. 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 OZK U.S. Bank Average
17.41% 12.76%

Bank OZK has a Capitalization of 17.41% versus the BestCashCow average of 12.76. 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, 2019, Bank OZK had assets of $22,960,731,000, loans of $17,378,563,000, and deposits of $18,186,215,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.74 billion
Interest-bearing balances $0.62 billion
Total securities $2.55 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $17.38 billion
Loan loss allowance $0.11 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.03 billion
Goodwill and other intangibles $0.69 billion
All other assets $0.91 billion
     Total Assets $18.96 billion
LIABILITIES
Total deposits $18.19 billion
      Interest-bearing deposits $15.41 billion
      Deposits held in domestic offices $18.19 billion
      % insured (estimated) 69.16%
Federal funds purchased and repurchase agreements $0.11 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.16 billion
Subordinated debt $0.34 billion
All other liabilities $0.17 billion
      Total Liabilities $18.96 billion
      Shareholders’ Equity $4.00 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.59 billion
Total Interest Expense $0.14 billion
Net interest income $0.45 billion
Provision for loan and lease losses $0.01 billion
Total non interest income $0.05 billion
Total non interest expense $0.20 billion
Pre-tax Net Operating Income $0.29 billion

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 5.86
Multifamily
Mortgages
8.12
Credit Card Loans 0.00
Consumer Auto Loans 0.46
Small Business Loans 3.51
Construction and Development Loans 38.34
Commercial Real Estate 22.75
Commercial and Industrial Loans 4.30
Farm Loans 0.04

Frequently Asked Questions About Bank Ozk

Branches and Savings

Is Bank Ozk FDIC insured?

Yes. It is covered under FDIC Certificate #110.

Why does Bank Ozk pay such low interest on savings accounts?

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

Why are Bank Ozk CD rates not competitive?

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

Is Bank Ozk a commercial bank?

Yes

Where are Bank Ozk locations?

See branch locations nearby.

Is Bank Ozk open on Saturdays?

Is Bank Ozk open on Sundays?

What time does Bank Ozk open?

What time does Bank Ozk close?

Are Bank Ozk ATMs Open 24/7?

Do Bank Ozk ATMs accept cash deposits?

Can Bank Ozk customers use other ATMs?

Do Bank Ozk branches have notaries?

Will Bank Ozk notarize my document?

What address for Bank Ozk should I put for incoming ACH transfers?

Will the Bank Ozk branch print checks?

Do Bank Ozk checks expire?

Does Bank Ozk require US citizenship to open account?

Can Bank Ozk close my account?

Does Bank Ozk Report to credit bureaus?

Does Bank Ozk Use Equifax?

What is Bank Ozk's ACH Routing Number?

What is Bank Ozk's SWIFT code?

Products

Does Bank Ozk offer mortgages?

Compare mortgage rates here.

Does Bank Ozk offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Ozk offer personal loans?

Compare personal loan rates here.

Does Bank Ozk offer student loans?

Will Bank Ozk cash a check?

Will Bank Ozk redeem a savings bond?

Does Bank Ozk cash savings bonds?

Will Bank Ozk cash money orders?

Can Bank Ozk issue a money order?

Does Bank Ozk do currency exchange?

Background on The Bank

Who owns Bank Ozk?

How long has Bank Ozk been around?

Can Bank Ozk transfer to other banks?

Does Bank Ozk have quick pay?

Does Bank Ozk accept rolled coins?

Will Bank Ozk accept loose change?

Where is Bank Ozk headquarters?

Customer Reviews for Bank OZK


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

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