Bank OZK

Headquarters

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

Phone 800 274 4482

Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.60% →
2-Year CD N.A. 4.90% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

Bank OZK is an FDIC insured institution located in Little Rock, AR. It was founded in 1903 and has approximately $34.24 billion in assets. Customers can open an account at one of its 270 branches.

FDIC Insured Yes
FDIC Certificate # 110
Date Established 1903
Assets $ 34.24 billion
Loans $ 26.12 billion
Deposits $ 27.41 billion
Capital $ 5.14 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 - April 23, 2024

Your Current Location: Virginia, VA 20146


Loan Rates - April 23, 2024

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 2024

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Tomo Mortgage, LLC.
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6.894% 6.750%
0.88 points
$4,746 fees
$2,076 Learn More
Rocket Mortgage
NMLS ID: 3030
7.463% 7.375%
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$2,211 Learn More
Neighbors Bank
NMLS ID: 491986

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MortgageResearch.com
NMLS ID: Not a Lender

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Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to Bank OZK
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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:
Ashburn,Virginia


Bank OZK Locations



Climate Policy and Initiatives

Bank OZK is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.


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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 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
2.32% 3.96%

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 December 31, 2024, Bank OZK had $66,677,000 in non-current loans and $60,566,000 in owned real estate. To cover these potential losses it had $5,139,976,000 in equity and $339,394,000 in loans loss reserves. That gives it a Texas Ratio of 2.32%.

Return on Equity
Bank OZK U.S. Bank Average
14.21% 12.20%

Bank OZK has a Return on Equity of 14.21% versus the BestCashCow average of 12.20%. 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
15.01% 10.76%

Bank OZK has a Capitalization of 15.01% versus the BestCashCow average of 10.76. 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 December 31, 2023, Bank OZK had assets of $34,237,457,000, loans of $26,119,681,000, and deposits of $27,405,143,000. 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

December 31, 2024
ASSETS
Cash & Balances due from depository institutions $ 2.15 billion
Interest-bearing balances $ 1,958.59 million
Total securities $ 3.24 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 26.12 billion
Loan loss allowance $ 339.39 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 60.57 million
Goodwill and other intangibles $ 660.79 million
All other assets $ 1,162.34 million
     Total Assets $ 29.10 billion
LIABILITIES
Total deposits $ 27.41 billion
      Interest-bearing deposits $ 23.31 billion
      Deposits held in domestic offices $ 27.41 billion
      % insured (estimated) 65.98%
Federal funds purchased and repurchase agreements $ 5.32 million
Trading liabilities N.A.
Other borrowed funds $ 500.03 million
Subordinated debt $ 469.41 million
All other liabilities $ 352.81 million
      Total Liabilities $ 29.10 billion
      Shareholders’ Equity $ 5.14 billion

Summary Income Statement

December 31, 2024
INCOME AND EXPENSES
Total Interest Income $ 2.13 billion
Total Interest Expense $ 688.69 million
Net interest income $ 1,439.49 million
Provision for loan and lease losses $ 165.47 million
Total non interest income $ 122.54 million
Total non interest expense $ 529.56 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 3.74
Multifamily
Mortgages
4.30
Credit Card Loans 0.00
Consumer Auto Loans 0.02
Small Business Loans 1.58
Construction and Development Loans 29.90
Commercial Real Estate 16.09
Commercial and Industrial Loans 2.67
Farm Loans 0.02

Customer Reviews for Bank OZK


  • September 12, 2023 |

    Can not cash a check at the branch on Chenal, because I did not have an appointment for the lobby. Could not use the Window service, it closes at 2pm on a Friday. I have a business account and am finding it very difficult to bank at this establishment. Will not even mention the online banking error caused by a bank employee that took more work to correct than it is worth. Hate it, try to bank local, but this is nuts.

  • September 6, 2023 |

    I wasted 30 minutes jumping through all their hoops trying to open an account online, only to get near the end and have a message, "Oops, something happened. Try again." I called their toll free line and had to wait too long. The lady said, "I will send you an email and you can continue. You won't lose any of your data." I tried it; it wouldn't let me access my data. I called again. This time another lady said, "It doesn't save your data. You have to start over." There are too many banks who want our business; we don't have to put up with crap like this. Don't waste your time.

  • May 6, 2023 |

    Good down home bank. I have been banking with Bank OZK for 9+ years and have never had any problems. Service is prompt, personal and pleasant. I have had several CDs with them and all were exactly as expected. I also bank online with them and whenever I have had a question or problem they can alway answer or handle the problem. I highly recommend Bank OZK. My branch is in Lonsdale, AR, near Hot Springs, AR. I plan to continue to hold my checking and savings accounts there. In the current economy, CDs are not very competitive there, however.

  • January 22, 2023 |

    CDs 12 Month Rates

    HORRIBLE! First time I went to Bank to talk about opening CD of a fairly significant amount, their doors were locked in the middle of the day. Someone came to the door and said they were in a meeting but could talk to me. Was fairly pleased with how things went. I went back to Ozk after going to my bank to get a cashier's check. No other customers were in the bank or the drivethrough. The teller said she would ask the banker if she could meet with me. Said she could help me if I could wait 10 - 15 minutes as she was helping another customer. After 15 minutes, and seeing the banker working on her computer in an empty office, I walked over to verify she was not with a customer and not on the phone. She came out and asked if I was going to open the CD today; I told her I might but had some questions. She said if I was going to open it today she had a few minutes, if not it would be about 10 - 15 minutes. She went back to her computer work. Another women walked into her office and I could here her helping her with whatever she was working on. I asked if someone could help me and was very rudely told she would be with me in a little bit. I ran! Guess they didn't have time to help their one customer.

  • 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.


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