Bank OZK

Little Rock, Arkansas, Pulaski County

$41.7B in total assets, the 60th largest of 4,309 US banks and 1st of 78 headquartered in Arkansas.

At a glance

Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.

Measure	This bank	Percentile	Peer median
Total assets	$41.7B	80%	$22.4B
Loans	$32.6B	85%	$14.4B
Deposits	$34.0B	83%	$18.0B
Return on assets	1.67%	82%	1.29%
Net interest margin	4.14%	81%	3.61%
Efficiency ratio	39.5%	11%	55.2%
Equity to assets	15.05%	90%	11.57%
Loans to deposits	96%	80%	87%

Total assets grew 9.4% a year over the last 5 years and 13.0% a year over 10 years, including 2 acquisitions in the last 10 years.

Closed	Acquired bank	Assets at acquisition
Jul 2016	C1 Bank Saint Petersburg, FL	$1.7B
Jul 2016	Community & Southern Bank Atlanta, GA	$3.9B
Aug 2015	Bank of the Carolinas Mocksville, NC	$345M
Feb 2015	Intervest National Bank New York, NY	$1.5B
May 2014	Summit Bank Arkadelphia, AR	$1.2B
Mar 2014	OMNIBANK, National Association Houston, TX	$285M
Aug 2013	The First National Bank of Shelby Shelby, NC	$694M
Jan 2013	The Citizens Bank Geneva, AL	$172M
Apr 2011	The Park Avenue Bank Valdosta, GA	$849M
Apr 2011	First Choice Community Bank Dallas, GA	$291M
Jan 2011	Oglethorpe Bank Brunswick, GA	$211M
Dec 2010	Chestatee State Bank Dawsonville, GA	$244M
Sep 2010	Horizon Bank Bradenton, FL	$188M
Jul 2010	Woodlands Bank Bluffton, SC	$383M
Mar 2010	Unity National Bank Cartersville, GA	$301M
Apr 2004	Sun Bank Frisco, TX	$127M
Jun 2003	River Valley Bank Russellville, AR	$54M
Jun 1999	Bank of the Ozarks wca Little Rock, AR	$506M
Jan 1999	Bank of the Ozarks Little Rock, AR	$38M
Dec 1990	First America Savings Bank, FSB Fort Smith, AR	$379M

257 branches in 105 counties.

County	Deposits	Market share	Rank
Pulaski County, AR	$7.6B	26.2%	1 of 33
Dallas County, TX	$1.5B	0.5%	20 of 109
Pinellas County, FL	$1.5B	2.0%	8 of 33
Carroll County, GA	$1.0B	31.5%	1 of 11
Manatee County, FL	$873M	8.1%	5 of 26
Harris County, TX	$776M	0.3%	29 of 87

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Net gain of 91 branches since 2016 (166 to 257, +54.8%). 51 opened, 74 acquired, 34 closed or sold.

Period	What happened	Opened or acquired	Closed or sold	Net change	Branches at end
Start of 2016	Starting point				166
2016	Acquired C1 Bank and Community & Southern BankOpened 3 in Arkansas, closed 3 in Georgia	77	3	+74	240
2017	Opened MckinneyClosed Shelby	1	1	0	240
2018	Opened OzarkClosed Clearwater	1	1	0	240
2019	Opened 4 in 3 statesClosed 4 in 3 states	4	4	0	240
2020	Opened Little Rock and St. PetersbergClosed 3 in 2 states	2	3	−1	239
2021	Sold 1 branch to 22nd State Banking CompanySold 1 branch to Merchants & Marine Bank, opened Brookhaven and Decatur, closed 9 in 4 states	2	11	−9	230
2022	Sold 1 branch to The Peoples BankOpened 7 in 3 states, closed 5 in 2 states	7	6	+1	231
2023	Opened JacksonvilleClosed Greensboro and Little Rock	1	2	−1	230
2024	Opened 4 in 3 states	4	0	+4	234
2025	Opened 23 in 6 statesClosed 3 in 2 states	23	3	+20	254
2026 through Q2	Opened 3 in 3 states	3	0	+3	257

Type	This bank	Peers
Commercial real estate	27%	25%
Construction and land	21%	5%
Business (C&I)	14%	17%
Consumer	14%	10%
Multifamily	8%	8%
1-4 family residential	5%	21%
Farmland	1%	1%
Other	10%	13%

Type	This bank	Peers
Time deposits	54%	17%
Other interest-bearing	34%	62%
Noninterest-bearing	12%	20%

Brokered deposits are 7.4% of deposits (peers 7.3%).

Trailing four quarters, with the peer median.

Noncurrent loans exclude government-guaranteed portions.

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/ozk