Bank OZK

17901 Chenal Parkway
Little Rock, AR 72223

Notable Rates	APY	Vs.Others
Savings	0.05%	2.20% →
1-Year CD	0.18%	2.20% →
2-Year CD	1.60%	2.20% →
5-Year CD	1.00%	2.60% →
30-Year Mortgage	N.A.	3.31% →
15-Year Mortgage	N.A.	2.77% →
HELOC	N.A.	4.00% →

Overview
Deposit Rates
Loan Rates
Branches
Financial Details
FAQs
Reviews

2020 Overview

General Bank Information

Bank OZK is an FDIC insured institution located in Little Rock, AR. It was founded in 1903 and has approximately $23.4 billion in assets. Customers can open an account at one of its 270 branches.


FDIC Insured	Yes
FDIC Certificate	# 110
Date Established	1903
Assets	$23.40 billion
Loans	$17.63 billion
Deposits	$18.44 billion
Capital	$4.08 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 - February 28, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates	APY	MIN	MAX
Savings	0.05%	$100	-	Learn MoreShow Less
Money Market	0.10%	$10,000	$24,999	Learn MoreShow Less
Money Market	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	2.00%	$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
Special: 24 Mo CD	1.60%	$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	2.00%	$1,000	-	Learn MoreShow Less
Special: 24 Mo FIRA	1.60%	$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 - February 28, 2020

Get Loan Offers

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 2020

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 3030	4.919%	4.875%	0.00	$1,250	$1,324	Learn More
NMLS ID: 2890 License#: MC-3098	3.156%	3.125%	0.38	$978	$1,071	Learn More

See More Mortgage Rates →

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line	0.000 %	$0	Learn More More Info
Our APRs start at 4.99% for the most qualified applicants and are higher for other applicants. For example, for a borrower with a CLTV of 45% and a credit score of 800, a five-year Figure Home Equity Line with an initial draw amount of $50,000 would have a fixed annual percentage rate (APR) of 4.99% and a 3.00% origination fee. Your total loan amount would be $51,500. Origination fees range from 0-4.99% of your initial draw depending on your credit score and the state in which your property is located. The advertised rate is available only to borrowers using primary residences as collateral. Your actual rate will depend on many factors such as your credit, combined loan to value ratio, loan term and occupancy status. The advertised APR includes an autopay discount of 0.75%. APRs start at 5.74% for customers that do not opt in to autopay. Low fixed loan rate. Borrow $15,000-$150,000. Approvals in 5 minutes, funding in as few as 5 days No appraisal fee. No maintenance fee. No pre-payment fee. No late fee. Get approved in 5 minutes. Funded in as little as 5 days.
Third Federal Savings and Loans	3.740 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Bethpage Federal Credit Union	Intro APR 3.990 % After Intro: 5.000 % Intro Period: 12 months	$25,000	Learn More More Info
Home Equity rates and terms are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. No closing costs on new HELOCs up to $500,000. The borrower will have an increased APR rate if the borrower does not (i) take an advance of $25,000 and maintain this balance for 12 months, and (ii) have automatic transfers from any Bethpage personal savings or checking account for the monthly HELOC payment. Published rates and terms based on primary homes. Home Equities not offered in TX. $5.00 minimum share account required. Membership conditions apply. APR Fixed for One Year Prime Rate for Life, Thereafter Prime Rate as of 1/22/2019 = 5.50% (Wall Street Journal). Floor APR=3.25%.

See More Home Equity Rates →

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

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
2.31%	6.70%

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, 2019, Bank OZK had $63,918,000 in non-current loans and $32,750,000 in owned real estate. To cover these potential losses it had $4,081,448,000 in equity and $109,001,000 in loans loss reserves. That gives it a Texas Ratio of 2.31%.

Return on Equity

Bank OZK	U.S. Bank Average
11.03%	9.72%

Bank OZK has a Return on Equity of 11.03% versus the BestCashCow average of 9.72%. 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
17.44%	12.89%

Bank OZK has a Capitalization of 17.44% versus the BestCashCow average of 12.89. 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 September 30, 2019, Bank OZK had assets of $23,402,679,000, loans of $17,625,850,000, and deposits of $18,440,078,000. 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

September 30, 2019

ASSETS
Cash & Balances due from depository institutions	$1.03 billion
Interest-bearing balances	$0.80 billion
Total securities	$2.41 billion
Federal funds sold and reverse repurchase	$0.00 billion
Net loans and leases	$17.63 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	$0.92 billion
Total Assets	$19.32 billion

LIABILITIES
Total deposits	$18.44 billion
Interest-bearing deposits	$15.65 billion
Deposits held in domestic offices	$18.44 billion
% insured (estimated)	70.69%
Federal funds purchased and repurchase agreements	$0.16 billion
Trading liabilities	$0.00 billion
Other borrowed funds	$0.21 billion
Subordinated debt	$0.34 billion
All other liabilities	$0.16 billion
Total Liabilities	$19.32 billion
Shareholders’ Equity	$4.08 billion

Summary Income Statement

September 30, 2019

INCOME AND EXPENSES
Total Interest Income	$0.88 billion
Total Interest Expense	$0.21 billion
Net interest income	$0.67 billion
Provision for loan and lease losses	$0.02 billion
Total non interest income	$0.08 billion
Total non interest expense	$0.30 billion
Pre-tax Net Operating Income	$0.43 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	5.77	✓
Multifamily Mortgages	7.71			✓
Credit Card Loans	0.00	✓
Consumer Auto Loans	0.38		✓
Small Business Loans	3.39		✓
Construction and Development Loans	37.91			✓
Commercial Real Estate	22.03		✓
Commercial and Industrial Loans	4.01	✓
Farm Loans	0.05		✓

Frequently Asked Questions About Bank Ozk

Branches and Savings

Is Bank Ozk FDIC insured?

Yes. It is covered under FDIC Certificate #110.

Bank OZK

2020 Overview

General Bank Information

Deposit Rates - February 28, 2020

Loan Rates - February 28, 2020

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Featured - Virginia Home Equity Line Of Credit Rates 2020

Branches

Bank OZK Locations

Financial Details

Bank OZK Ratio Analysis

Texas Ratio

Return on Equity

Capitalization

Bank OZK Balance Sheet Analysis

Summary Balance Sheet

Summary Income Statement

Bank Loan Profile?

Frequently Asked Questions About Bank Ozk

Branches and Savings

Is Bank Ozk FDIC insured?

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

Why are Bank Ozk CD rates not competitive?

Is Bank Ozk a commercial bank?

Where are Bank Ozk locations?

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?

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

Does Bank Ozk offer personal loans?

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

mchc49@att.net

Linda H Chatham

joan

007

Ken Ball

Bank Loan Profile^?