Bank OZK
18000 Cantrell Rd
Little Rock, AR 72223
See all branch locations →
Phone 800 274 4482
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
| CD Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 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
| Lender | APR | Rate (%) | Monthly Payment |
Learn More |
|---|---|---|---|---|
NMLS ID: 401822 |
5.956% |
5.875% 0.88 points $2,188 fees |
$1,479 | Learn More |
NMLS ID: 447490 |
5.827% |
5.750% 0.88 points $2,100 fees |
$1,459 | Learn More |
NMLS ID: 3030 |
7.527% |
7.375% 1.00 points $3,750 fees |
$1,727 | Learn More |
NMLS ID: 1907 |
points fees |
Learn More |
Featured - Virginia Home Equity Line Of Credit Rates 2022
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Bethpage Federal Credit Union See Table |
Intro APR
6.490 %
After Intro: 7.500 % Intro Period: 12 months |
$25,000 |
Learn More
More Info |
Third Federal Savings and Loan See Table |
6.240 %
|
$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
Climate Initiatives
Bank OZK is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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 |
|---|---|
| 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.
Capitalization
| 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| ASSETS | |
|---|---|
| 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 |
| LIABILITIES | |
|---|---|
| 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| INCOME AND EXPENSES | |
|---|---|
| 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.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 5.26 | ✓ | ||
| Multifamily Mortgages |
6.06 | ✓ | ||
| 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
Keep your friends close but your enemies closer than that. Guess which one would be you OZ.
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.
Is this review helpful? Yes:0 / No: 0
ruth
August 19, 2020
Customer service is horrible with this bank. Beware!
Is this review helpful? Yes:0 / No: 0
mchc49@att.net
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%
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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
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