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Bank Ozk
Little Rock, AR · FDIC Certificate #110 · Chartered 03/0
Total assets
$41.70B
Total deposits
$34.00B
Total equity
$6.28B
Net loans
$32.10B
Branches (offices)
256
Net income (YTD)
$330.74M
Rank: #57 of 4,213 U.S. banks by assets · #1 of 78 in Arkansas. Assets changed 0.6% and deposits 1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.60% |
| Return on equity | 10.69% |
| Net interest margin (YTD) | 4.14% |
| Equity to assets | 15.05% |
| Tier 1 leverage ratio | 13.96% |
| Uninsured deposits (share of deposits) | 32.5% |
| Noncurrent loans (share of loans) | 0.92% |
| Net charge-offs (share of loans) | 0.62% |
| Loans to deposits | 94.4% |
| Real estate loans (share of loans) | 62.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $20.15B | 62.8% | |
| Commercial & industrial | $4.60B | 14.3% | |
| Consumer / individual | $4.50B | 14.0% | |
| Construction & development | $6.94B | 21.6% | |
| Agricultural | $1.89M | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $25.92B | $19.98B | $268.92M | $4.61B |
| Jun 2023 | $30.76B | $23.98B | $341.87M | $4.81B |
| Jun 2024 | $36.84B | $29.94B | $353.08M | $5.41B |
| Jun 2025 | $41.45B | $33.52B | $354.94M | $5.93B |
| Jun 2026 | $41.70B | $34.00B | $330.74M | $6.28B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $11.56B | 77 |
| Georgia | $9.62B | 70 |
| Florida | $5.77B | 45 |
| Texas | $4.26B | 36 |
| North Carolina | $2.32B | 26 |
| Tennessee | $472.21M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $34.00B.
Similar-sized banks
Midfirst Bank ($42.83B) · Deutsche Bank Trust Company Americas ($40.53B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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