Bank Ozk Mortgage Rates, Fees & Info

Little Rock, AR

LEI: 549300VYK2WBD7SST478

Tax ID: 71-0130170

3.3 stars - out of 5 stars, based on 37 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Bank Ozk is a smaller bank specializing in Home Purchase loans. Bank Ozk has a high proportion of conventional loans. Their top markets include Little Rock, Tampa, Atlanta, Dallas, and Winston among others. Bank Ozk has a below average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Bank Ozk is typically an average fee lendor.


Originations

1,366

Origination Dollar Volume (All Markets)

$333,270,000

Employee count

2,542

Relative Rate

Bank Ozk's average 30 year fixed rate mortgage of loans were 3.95%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.8%.

Relative Fees

Bank Ozk's average total fees for a 30 year fixed rate mortgage are $4,065.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 186 $46,350,000 $249,194 $2,937 4.38%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 111 $40,975,000 $369,144 $5,114 4.54%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 195 $29,505,000 $151,308 $3,594 4.58%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 63 $22,975,000 $364,683 $5,064 4.15%
WINSTON-SALEM, NC (FHA|USDA|VA) 90 $20,560,000 $228,444 $2,641 4.59%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 24 $19,500,000 $812,500 $4,371 4.41%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 64 $18,060,000 $282,188 $4,002 4.53%
Outside of Metro Areas 83 $12,805,000 $154,277 $2,077 4.64%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 12 $9,300,000 $775,000 $0 4.45%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $8,010,000 $4,005,000 $0 4.88%
FORT SMITH, AR-OK (FHA|USDA|VA) 73 $7,955,000 $108,973 $1,143 4.53%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 27 $5,985,000 $221,667 $1,199 4.49%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 42 $5,670,000 $135,000 $6,386 4.89%
Shelby, NC (FHA|USDA|VA) 33 $5,015,000 $151,970 $1,982 4.69%
HOT SPRINGS, AR (FHA|USDA|VA) 35 $4,965,000 $141,857 $1,648 4.61%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 23 $4,685,000 $203,696 $0 4.55%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $4,260,000 $1,065,000 $0 4.75%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $4,205,000 $4,205,000 $0 4.50%
TEXARKANA, TX-AR (FHA|USDA|VA) 10 $4,040,000 $404,000 $603 4.65%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 22 $4,000,000 $181,818 $1,397 4.77%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $3,760,000 $1,880,000 $0 3.95%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $3,665,000 $1,221,667 $2,424 4.10%
JACKSONVILLE, FL (FHA|USDA|VA) 11 $2,755,000 $250,455 $3,612 4.82%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 35 $2,555,000 $73,000 $4,811 4.21%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 13 $2,285,000 $175,769 $3,999 4.77%
Russellville, AR (FHA|USDA|VA) 8 $2,140,000 $267,500 $2,256 4.36%
PINE BLUFF, AR (FHA|USDA|VA) 6 $2,020,000 $336,667 $0 4.79%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 15 $1,925,000 $128,333 $2,894 4.46%
Searcy, AR (FHA|USDA|VA) 7 $1,885,000 $269,286 $0 4.43%
PUNTA GORDA, FL (FHA|USDA|VA) 12 $1,790,000 $149,167 $4,251 4.46%
ASHEVILLE, NC (FHA|USDA|VA) 4 $1,730,000 $432,500 $0 4.74%
WILMINGTON, NC (FHA|USDA|VA) 5 $1,685,000 $337,000 $0 4.79%
COLUMBIA, SC (FHA|USDA|VA) 2 $1,650,000 $825,000 $0 4.30%
GAINESVILLE, FL (FHA|USDA|VA) 5 $1,495,000 $299,000 $3,419 4.88%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $1,405,000 $1,405,000 $0 5.00%
Mountain Home, AR (FHA|USDA|VA) 10 $1,350,000 $135,000 $1,135 4.81%
RALEIGH-CARY, NC (FHA|USDA|VA) 3 $1,175,000 $391,667 $0 4.53%
OCALA, FL (FHA|USDA|VA) 13 $1,075,000 $82,692 $3,529 4.65%
SPARTANBURG, SC (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $0 5.00%
Clewiston, FL (FHA|USDA|VA) 1 $955,000 $955,000 $10,523 5.15%
RICHMOND, VA (FHA|USDA|VA) 1 $925,000 $925,000 $0 4.00%
SAVANNAH, GA (FHA|USDA|VA) 5 $885,000 $177,000 $4,321 3.53%
GAINESVILLE, GA (FHA|USDA|VA) 4 $870,000 $217,500 $0 4.85%
BURLINGTON, NC (FHA|USDA|VA) 3 $825,000 $275,000 $0 4.70%
Malvern, AR (FHA|USDA|VA) 16 $800,000 $50,000 $2,106 4.67%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $785,000 $261,667 $0 4.53%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 1 $735,000 $735,000 $0 5.25%
VALDOSTA, GA (FHA|USDA|VA) 10 $710,000 $71,000 $3,472 5.11%
Jefferson, GA (FHA|USDA|VA) 5 $695,000 $139,000 $0 5.08%
WACO, TX (FHA|USDA|VA) 2 $670,000 $335,000 $0 4.50%
Forest City, NC (FHA|USDA|VA) 6 $630,000 $105,000 $1,524 5.67%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $575,000 $575,000 $0 4.60%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $575,000 $575,000 $0 4.25%
Harrison, AR (FHA|USDA|VA) 6 $520,000 $86,667 $903 4.28%
COLUMBUS, GA-AL (FHA|USDA|VA) 4 $490,000 $122,500 $2,928 3.49%
Boone, NC (FHA|USDA|VA) 1 $485,000 $485,000 $0 4.50%
Cornelia, GA (FHA|USDA|VA) 5 $455,000 $91,000 $796 4.80%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $455,000 $455,000 $0 4.78%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $445,000 $445,000 $0 4.15%
PANAMA CITY, FL (FHA|USDA|VA) 2 $420,000 $210,000 $0 4.75%
Hope, AR (FHA|USDA|VA) 3 $295,000 $98,333 $634 4.22%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $265,000 $265,000 $0 4.70%
Georgetown, SC (FHA|USDA|VA) 1 $255,000 $255,000 $0 5.10%
Bainbridge, GA (FHA|USDA|VA) 4 $250,000 $62,500 $665 4.66%
Big Spring, TX (FHA|USDA|VA) 1 $245,000 $245,000 $0 3.99%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $235,000 $235,000 $0 5.25%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $215,000 $215,000 $0 5.00%
DALTON, GA (FHA|USDA|VA) 4 $190,000 $47,500 $0 5.18%
El Dorado, AR (FHA|USDA|VA) 1 $175,000 $175,000 $0 5.00%
Arkadelphia, AR (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.75%
Statesboro, GA (FHA|USDA|VA) 3 $165,000 $55,000 $0 5.00%
Arcadia, FL (FHA|USDA|VA) 1 $155,000 $155,000 $3,830 6.00%
BRUNSWICK, GA (FHA|USDA|VA) 2 $140,000 $70,000 $0 5.00%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.75%
MOBILE, AL (FHA|USDA|VA) 2 $100,000 $50,000 $1,518 5.75%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.78%
LaGrange, GA-AL (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.30%
Cullowhee, NC (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.40%
Magnolia, AR (FHA|USDA|VA) 1 $45,000 $45,000 $1,687 3.50%

Bank Ozk's top markets include Little Rock, Tampa, Atlanta, Dallas, and Winston among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 1,366 $333,270,000 $243,975 $3,437 4.54%

For the 2021 period, Bank Ozk's most frequently originated loan type of loans were Conventional, with 1,366 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 820 $247,100,000 $301,341 $3,994 4.38%
Refi 236 $58,170,000 $246,483 $1,735 4.58%
Home Improvement 212 $17,850,000 $84,198 $1,077 4.97%
Other 98 $10,150,000 $103,571 $1,708 4.94%

For the 2021, Bank Ozk's most frequently cited loan purpose of loans were Home Purchase, with 820 originations. The 2nd most popular reason of loans were Refi, with 236 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
Other 559 $97,985,000 $175,286 $1,379 4.87%
5 Year 324 $114,050,000 $352,006 $921 4.47%
30 Year 269 $58,205,000 $216,375 $4,065 3.95%
10 Year 102 $26,120,000 $256,078 $781 4.46%
20 Year 45 $5,455,000 $121,222 $1,519 4.46%
15 Year 26 $3,580,000 $137,692 $1,751 4.74%
1 Year 22 $13,570,000 $616,818 $0 4.98%
3 Year 19 $14,305,000 $752,895 $343 4.67%

For the 2021, Bank Ozk's most frequently cited loan length of loans were Other, with 559 originations. The 2nd most popular length of loans were 5 Year, with 324 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 143 $18,445,000 $128,986
$1k-2k 132 $22,350,000 $169,318
$2k-3k 54 $13,820,000 $255,926
$3k-4k 17 $6,655,000 $391,471
$5k+ 4 $3,080,000 $770,000

$4,065 of loans were Bank Ozk's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 143 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
4-5% 837 $209,755,000 $250,603
3-4% 284 $91,730,000 $322,993
5-6% 231 $30,815,000 $133,398
6-7% 8 $770,000 $96,250
<2.5% 2 $40,000 $20,000
2.5-3% 2 $30,000 $15,000
7-8% 1 $25,000 $25,000
Over 8% 1 $105,000 $105,000

During 2021, Bank Ozk's average interest rate of loans were 3.95%, while their most frequently originated rate bucket of loans were 4-5%, with 837 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100,000 or less 562 $31,130,000 $55,391 $1,317 4.71%
$100k-200k 371 $53,985,000 $145,512 $3,356 4.40%
$200k-400k 275 $73,715,000 $268,055 $4,793 4.45%
$400k-600k 58 $28,110,000 $484,655 $7,122 4.50%
$600k-1MM 54 $41,920,000 $776,296 $10,059 4.45%
$1MM+ 46 $104,410,000 $2,269,783 $9,477 4.39%

2021 saw Bank Ozk place emphasis on $100,000 or less loans with 562 originations, totaling $31,130,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k or less 211 $19,595,000 $92,867 $2,768 4.18%
$50k-75k 177 $20,675,000 $116,808 $3,264 4.44%
$100k-150k 134 $19,620,000 $146,418 $3,517 4.85%
$150k-250k 113 $19,455,000 $172,168 $4,513 4.96%
$75k-100k 97 $10,375,000 $106,959 $3,264 4.75%
$250k+ 68 $24,470,000 $359,853 $6,207 4.69%

Bank Ozk lent most frequently to those with incomes in the $50k or less range, with 211 originations. The second most popular income band? $50k-75k, with 177 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 209 $29,775,000 $142,464 $3,007 4.65%
30-36% 179 $26,175,000 $146,229 $3,738 4.54%
<20% 163 $20,365,000 $124,939 $2,456 4.67%
42% 52 $8,620,000 $165,769 $4,278 4.58%
37% 41 $8,055,000 $196,463 $4,351 4.36%
39% 37 $6,685,000 $180,676 $3,745 4.52%
36% 31 $5,175,000 $166,935 $3,682 4.16%
38% 29 $3,965,000 $136,724 $3,366 4.37%
40% 28 $3,480,000 $124,286 $3,251 4.47%
41% 27 $4,145,000 $153,519 $3,759 4.37%
>60% 18 $3,090,000 $171,667 $1,455 4.91%
50-60% 10 $880,000 $88,000 $1,711 5.28%
43% 8 $1,210,000 $151,250 $3,548 4.90%
49% 6 $370,000 $61,667 $754 4.51%
46% 2 $800,000 $400,000 $0 4.93%

Bank Ozk lent most frequently to those with DTI ratios of 20-30%, with 209 originations. The next most common DTI ratio? 30-36%, with 179 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
Not applicable 545 $214,295,000 $393,202 $0 4.51%
White 612 $82,780,000 $135,261 $3,025 4.68%
Black 121 $20,225,000 $167,149 $3,921 3.97%
Not provided 71 $12,655,000 $178,239 $4,202 4.65%
Asian 15 $2,975,000 $198,333 $4,958 4.37%
American Indian 1 $185,000 $185,000 $4,742 3.50%
Japanese 1 $155,000 $155,000 $0 4.60%

Approval Rates

Total approvals of all applications
63.20%

Bank Ozk has a low approval rate. They may have poor market targeting or stringent lending standards.

Pick Rate

Approvals leading to origination
69.70%

Bank Ozk has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
NA 1,366 $333,270,000 $243,975

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
1,366 $333,270,000 $243,975

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 192 $28,100,000 $146,354 $1,296 4.74%
40-60% 136 $46,100,000 $338,971 $1,665 4.54%
60-80% 464 $145,300,000 $313,147 $4,201 4.56%
80-100% 383 $100,915,000 $263,486 $3,933 4.21%
Under 20% 191 $12,855,000 $67,304 $538 4.99%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
BANK OZK Other type of mortgage Closing on a mortgage 1 100.0%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Bank Ozk 8300 Douglas Avenue Dallas, TX 75225 Full Service Retail $726,230
Bank Ozk 8501 Phoenix Ave Fort Smith, AR 72903 Limited, Drive-thru $16,689
Bank Ozk 8718 Highway 107 Sherwood, AR 72120 Full Service B&M $40,715
Bank Ozk 7202 Manatee Avenue West Bradenton, FL 34209 Full Service B&M $137,105
Bank Ozk 8375 Southwest State Road 200 Ocala, FL 34481 Full Service B&M $188,427
Bank Ozk 7197 Lebanon Road Frisco, TX 75034 Full Service B&M $46,852
Bank Ozk 725 Highway 62-65 North Harrison, AR 72601 Full Service B&M $26,231
Bank Ozk 53 Mechanicsville Road Dahlonega, GA 30533 Full Service B&M $64,113
Bank Ozk 5401 Rogers Avenue Fort Smith, AR 72903 Full Service B&M $64,050
Bank Ozk 529 S. New Hope Road Gastonia, NC 28054 Full Service B&M $45,851
Bank Ozk 1011 Park Place Boulevard Greensboro, GA 30642 Full Service B&M $37,724
Bank Ozk 103 Piedmont Drive Lawndale, NC 28090 Full Service B&M $45,147
Bank Ozk 1012 Lakes Boulevard Lake Park, GA 31636 Full Service B&M $41,742
Bank Ozk 104 West Old Main Street Yellville, AR 72687 Full Service B&M $19,571
Bank Ozk 1750 Highway 65 South Clinton, AR 72031 Full Service B&M $36,238
Bank Ozk 2305 East Parkway Russellville, AR 72802 Full Service B&M $23,811
Bank Ozk 118 W. Market Street Lockhart, TX 78644 Full Service B&M $58,602
Bank Ozk 1 Rockefeller Plaza, Suite 400 New York, NY 10020 Full Service B&M $192,745
Bank Ozk 608 East Page Malvern, AR 72104 Full Service B&M $35,235
Bank Ozk 105 North Main Street Landis, NC 28088 Full Service B&M $61,879
Bank Ozk 1054 West Bethany Drive Allen, TX 75013 Full Service B&M $76,318
Bank Ozk 10565 Richmond Avenue Houston, TX 77042 Full Service B&M $82,039
Bank Ozk 106 South Lafayette Street Shelby, NC 28150 Full Service B&M $151,706
Bank Ozk 108 Plaza Drive, Extension Forest City, NC 28043 Full Service B&M $50,283
Bank Ozk 10970 San Jose Blvd Jacksonville, FL 32223 Full Service B&M $155,417
Bank Ozk 110 S. Boulevard Tampa, FL 33606 Full Service B&M $57,986
Bank Ozk 1104 East Oak Street Conway, AR 72032 Full Service B&M $15,416
Bank Ozk 1105 Military Cutoff Road Wilmington, NC 28405 Full Service B&M $142,052
Bank Ozk 1107 S Church St Asheboro, NC 27203 Full Service B&M $57,050
Bank Ozk 11102 Rodney Parham Little Rock, AR 72212 Full Service B&M $71,459
Bank Ozk 1127 East Marion Street Shelby, NC 28150 Full Service B&M $34,977
Bank Ozk 1144 Rogers Avenue Clarksville, AR 72830 Full Service B&M $32,874
Bank Ozk 115 Highway 64 West Mulberry, AR 72947 Full Service B&M $13,659
Bank Ozk 1519 Main Street Sarasota, FL 34236 Full Service B&M $41,325
Bank Ozk 1540 Airport Road, Suite A Hot Springs, AR 71913 Full Service B&M $23,423
Bank Ozk 1549 East Joyce Blvd Fayetteville, AR 72703 Full Service B&M $44,762
Bank Ozk 1565 Red Cedar Drive Fort Myers, FL 33907 Full Service B&M $64,586
Bank Ozk 158 Beach Drive, N.E. Saint Petersburg, FL 33701 Full Service B&M $151,835
Bank Ozk 16 E Broad St Newnan, GA 30263 Full Service B&M $33,582
Bank Ozk 1608 Mlk Boulevard Malvern, AR 72104 Full Service B&M $21,490
Bank Ozk 1612 Franklin St Altus, AR 72821 Full Service B&M $13,005
Bank Ozk 1617 Malvern Avenue Hot Springs, AR 71901 Full Service B&M $45,537
Bank Ozk 1645 Se 47th Terrace Cape Coral, FL 33904 Full Service B&M $78,364
Bank Ozk 1700 Market Place Blvd. Cumming, GA 30041 Full Service B&M $86,866
Bank Ozk 1700 Military Rd Benton, AR 72015 Full Service B&M $114,630
Bank Ozk 1701 Bass Road Macon, GA 31210 Full Service B&M $30,430
Bank Ozk 1745 Old Morrilton Highway Conway, AR 72032 Full Service B&M $47,582
Bank Ozk 1995 Atlanta Highway, S.E. Statham, GA 30666 Full Service B&M $51,387
Bank Ozk 2001 Grayson Hwy Grayson, GA 30017 Full Service B&M $36,032
Bank Ozk 201 Maple Street Carrollton, GA 30117 Full Service B&M $617,378
Bank Ozk 2011 West Commercial Street Ozark, AR 72949 Full Service B&M $14,235
Bank Ozk 202 E. Davis Blvd. Tampa, FL 33606 Full Service B&M $38,864
Bank Ozk 2025 Lakewood Ranch Boulevard Lakewood Ranch, FL 34211 Full Service B&M $72,801
Bank Ozk 2060 North Crossover Road Fayetteville, AR 72703 Full Service Retail $37,320
Bank Ozk 208 North Main Street Boiling Springs, NC 28017 Full Service B&M $50,148
Bank Ozk 2085 Highway 211, N.W. Braselton, GA 30517 Full Service B&M $83,245
Bank Ozk 210 West Morris Street Dalton, GA 30720 Full Service B&M $269,212
Bank Ozk 2175 Nursery Road Clearwater, FL 33764 Full Service B&M $82,996
Bank Ozk 2238 Main St E Snellville, GA 30078 Full Service B&M $89,432
Bank Ozk 226 S Broad St Bainbridge, GA 39817 Full Service B&M $106,588
Bank Ozk 2302 South Macdill Avenue Tampa, FL 33629 Full Service B&M $60,717
Bank Ozk 2821 Fort Worth Avenue Dallas, TX 75211 Full Service B&M $11,571
Bank Ozk 28235 South Tamiami Trail Bonita Springs, FL 34134 Full Service B&M $51,622
Bank Ozk 2960 West Pine Arkadelphia, AR 71923 Full Service B&M $20,232
Bank Ozk 300 West Mountain Street Kings Mountain, NC 28086 Full Service B&M $59,193
Bank Ozk 303 East Front Street Lonoke, AR 72086 Full Service B&M $23,260
Bank Ozk 305 North Jackson Magnolia, AR 71753 Full Service B&M $40,166
Bank Ozk 3102 N Oak St Extension Valdosta, GA 31602 Full Service B&M $134,822
Bank Ozk 315 North Walnut Harrison, AR 72601 Full Service B&M $33,207
Bank Ozk 325 West Capitol Avenue Little Rock, AR 72201 Full Service B&M $100,516
Bank Ozk 333 Ouachita Avenue Hot Springs, AR 71901 Full Service B&M $50,706
Bank Ozk 3333 Riverwood Parkway Southeast, Suite 100 Atlanta, GA 30339 Full Service B&M $14,342
Bank Ozk 3336 E Hebron Pkwy Carrollton, TX 75010 Full Service B&M $35,582
Bank Ozk 3344 Cypress Mill Rd Brunswick, GA 31520 Full Service B&M $58,515
Bank Ozk 3350 Buford Drive, Suite A100 Buford, GA 30519 Full Service B&M $41,940
Bank Ozk 397 North Sam Houston Pkwy East Houston, TX 77205 Full Service B&M $69,968
Bank Ozk 3990 Atlanta Highway Bogart, GA 30622 Full Service B&M $36,792
Bank Ozk 401 Section Line Road Hot Springs, AR 71913 Full Service B&M $193,597
Bank Ozk 4044 Central Avenue Hot Springs, AR 71913 Full Service B&M $46,855
Bank Ozk 405 Sw 14th Street Bentonville, AR 72712 Full Service B&M $30,328
Bank Ozk 405 West Main Street Russellville, AR 72801 Full Service B&M $49,406
Bank Ozk 4058 Continental Drive Oakwood, GA 30566 Full Service B&M $62,921
Bank Ozk 4075 Hwy 49 S Harrisburg, NC 28075 Full Service B&M $56,973
Bank Ozk 4077 Forsyth Road Macon, GA 31210 Full Service B&M $109,848
Bank Ozk 409 Main Street Arkadelphia, AR 71923 Full Service B&M $80,769
Bank Ozk 42 Three Rivers Drive, Northeast Rome, GA 30161 Full Service B&M $117,706
Bank Ozk 4200 Park Road Charlotte, NC 28209 Full Service B&M $167,751
Bank Ozk 4328 Old Spanish Trail Houston, TX 77021 Full Service B&M $72,588
Bank Ozk 4420 East Mccain Boulevard North Little Rock, AR 72117 Full Service B&M $20,736
Bank Ozk 545 Salem Road Conway, AR 72034 Full Service B&M $51,196
Bank Ozk 550 South Andrews Fort Lauderdale, FL 33301 Full Service B&M $143,231
Bank Ozk 551 Harkrider St Conway, AR 72032 Full Service B&M $19,639
Bank Ozk 5800 West Wilkinson Boulevard Belmont, NC 28012 Full Service B&M $32,500
Bank Ozk 5910 Highway 5 North Bryant, AR 72022 Full Service B&M $55,205
Bank Ozk 5925 West Park Boulevard Plano, TX 75093 Full Service B&M $135,439
Bank Ozk 600 Highway 65 North Marshall, AR 72650 Full Service B&M $33,726
Bank Ozk 600 Keller Parkway Keller, TX 76248 Full Service B&M $66,512
Bank Ozk 600 South Main Hope, AR 71801 Full Service B&M $35,320
Bank Ozk 600 W Commercial St Ozark, AR 72949 Full Service Cyber Office $0
Bank Ozk 600 West Southlake Boulevard Southlake, TX 76092 Full Service B&M $93,125
Bank Ozk 6000 State Road 70 East Bradenton, FL 34203 Full Service B&M $206,326
Bank Ozk 601 Henderson Dr Cartersville, GA 30120 Full Service B&M $69,926
Bank Ozk 601 West Commerical Street Ozark, AR 72949 Full Service B&M $89,702
Bank Ozk 725 W Bankhead Hwy Villa Rica, GA 30180 Full Service B&M $93,958
Bank Ozk 7250 Alcoa Road Benton, AR 72015 Full Service B&M $42,478
Bank Ozk 7320 Veterans Parkway Columbus, GA 31909 Full Service B&M $62,915
Bank Ozk 7435 Gall Blvd Zephyrhills, FL 33541 Full Service B&M $31,033
Bank Ozk 7450 Adairsville Highway, Northwest Adairsville, GA 30103 Full Service B&M $36,975
Bank Ozk 7500 Cantrell Road Little Rock, AR 72207 Full Service B&M $36,923
Bank Ozk 7900 Crowley Rd Fort Worth, TX 76134 Full Service B&M $27,075
Bank Ozk 791 Lancashire Boulevard Bella Vista, AR 72715 Full Service B&M $61,916
Bank Ozk 80 Sugar Creek Center Bella Vista, AR 72714 Full Service B&M $47,587
Bank Ozk 800 North 47th Street Rogers, AR 72756 Full Service B&M $27,490
Bank Ozk 802 North Broad Street Cairo, GA 39828 Full Service B&M $23,217
Bank Ozk 8180 East Highway 16 Senoia, GA 30276 Full Service B&M $64,772
Bank Ozk 824 Cleveland Avenue East Point, GA 30344 Full Service B&M $4,227
Bank Ozk 829 Industrial Boulevard Ellijay, GA 30540 Full Service B&M $157,847
Bank Ozk 8770 South Main Street Woodstock, GA 30188 Full Service B&M $84,477
Bank Ozk 895 Iris Drive Conyers, GA 30013 Full Service B&M $61,255
Bank Ozk 900 Atlantic Ave Bremen, GA 30110 Full Service B&M $130,298
Bank Ozk 900 Woodstock Road Roswell, GA 30075 Full Service B&M $48,415
Bank Ozk 9001 Belcher Road Pinellas Park, FL 33782 Full Service B&M $63,938
Bank Ozk 9001 Hospital Drive Douglasville, GA 30134 Full Service Retail $48,632
Bank Ozk 920 Level Grove Road Cornelia, GA 30531 Full Service B&M $96,933
Bank Ozk 9360 The Landing Drive Douglasville, GA 30135 Full Service B&M $80,488
Bank Ozk 94 West Athens Street Winder, GA 30680 Full Service B&M $261,446
Bank Ozk 950 Joe Frank Harris Parkway, S.E. Cartersville, GA 30120 Full Service B&M $68,380
Bank Ozk 119 West Center Street Lexington, NC 27292 Full Service B&M $51,756
Bank Ozk 120 Audubon Dr Maumelle, AR 72113 Full Service B&M $73,909
Bank Ozk 1201 20th Street, Condo Unit #5 Miami Beach, FL 33139 Full Service B&M $58,619
Bank Ozk 1216 Highway 35 Benton, AR 72015 Full Service B&M $41,415
Bank Ozk 1220 Ponce De Leon Boulevard Coral Gables, FL 33134 Full Service B&M $153,082
Bank Ozk 1225 Gastonia Hwy Bessemer City, NC 28016 Full Service B&M $52,150
Bank Ozk 1230 Creekshire Way Winston Salem, NC 27103 Full Service B&M $137,685
Bank Ozk 124 W Hill Ave Valdosta, GA 31601 Full Service B&M $16,132
Bank Ozk 1252 Virgil Langford Road Bogart, GA 30622 Full Service B&M $72,341
Bank Ozk 12615 Chenal Parkway Little Rock, AR 72211 Full Service B&M $96,305
Bank Ozk 1303 North Hervey Hope, AR 71801 Full Service B&M $14,990
Bank Ozk 1314 East Sonterra Boulevard, Suite 101 San Antonio, TX 78258 Full Service B&M $102,306
Bank Ozk 1338 East Dixon Boulevard Shelby, NC 28152 Full Service B&M $40,212
Bank Ozk 134 Keith Drive Canton, GA 30114 Full Service B&M $111,353
Bank Ozk 13415 Otter Creek Pkwy Little Rock, AR 72210 Full Service B&M $59,333
Bank Ozk 135 Boxwood Village Dr Mocksville, NC 27028 Full Service B&M $70,488
Bank Ozk 1350 Church St. Ext Ne Suite 100 Marietta, GA 30062 Full Service B&M $112,575
Bank Ozk 1400 Zack Hinton Pkwy Mcdonough, GA 30253 Full Service B&M $62,324
Bank Ozk 1405 East Walnut Paris, AR 72855 Full Service B&M $12,881
Bank Ozk 1410 Albert Pike Hot Springs, AR 71913 Full Service B&M $57,239
Bank Ozk 1412 Main Street Van Buren, AR 72956 Full Service B&M $15,904
Bank Ozk 1465 Old Swimming Pool Road Jefferson, GA 30549 Full Service B&M $60,800
Bank Ozk 14799 N. Dale Mabry Highway Tampa, FL 33618 Full Service B&M $102,400
Bank Ozk 14825 Cantrell Road Little Rock, AR 72223 Full Service B&M $46,407
Bank Ozk 150 Orvin Lance Connector Blue Ridge, GA 30513 Full Service B&M $154,360
Bank Ozk 150 W.C. Bryant Pkwy Calhoun, GA 30701 Full Service B&M $28,103
Bank Ozk 1517 Baytree Rd Valdosta, GA 31602 Full Service B&M $19,047
Bank Ozk 17901 Chenal Parkway Little Rock, AR 72223 Full Service B&M $98,421
Bank Ozk 1791 Barone Ave Ne Brookhaven, GA 30329 Full Service B&M $93,090
Bank Ozk 1800 North Taylor Little Rock, AR 72207 Full Service B&M $35,283
Bank Ozk 18000 Cantrell Rd Little Rock, AR 72223 Full Service B&M $4,073,753
Bank Ozk 1809 Frederica Road Saint Simons Island, GA 31522 Full Service B&M $53,665
Bank Ozk 1861 South Lakeline Blvd. Cedar Park, TX 78613 Full Service B&M $121,985
Bank Ozk 1875 Belcher Road North Clearwater, FL 33765 Full Service B&M $120,626
Bank Ozk 19 Highland Crossing Ellijay, GA 30536 Full Service B&M $75,523
Bank Ozk 1901 Manatee Avenue West Bradenton, FL 34205 Full Service B&M $30,611
Bank Ozk 193 W. Athens St. Winder, GA 30680 Full Service B&M $34,084
Bank Ozk 1950 Tamiami Trail Port Charlotte, FL 33948 Full Service B&M $82,703
Bank Ozk 198 East Round Grove Road Lewisville, TX 75067 Full Service B&M $71,367
Bank Ozk 19811 West Catawba Avenue Cornelius, NC 28031 Full Service B&M $54,402
Bank Ozk 1990 Post Oak Boulevard, Suite 110 Houston, TX 77056 Full Service B&M $138,971
Bank Ozk 2317 East Main Street Lincolnton, NC 28092 Full Service B&M $33,807
Bank Ozk 2401 East Main Street Siloam Springs, AR 72761 Full Service B&M $25,765
Bank Ozk 24100 Veterans Blvd Port Charlotte, FL 33954 Full Service B&M $39,396
Bank Ozk 24705 State Highway 5 Lonsdale, AR 72087 Full Service B&M $67,551
Bank Ozk 2495 Northwest 82 Avenue Doral, FL 33122 Full Service B&M $37,961
Bank Ozk 2501 West Pleasant Grove Road Rogers, AR 72758 Full Service B&M $42,952
Bank Ozk 2520 South Zero St Fort Smith, AR 72908 Full Service B&M $26,912
Bank Ozk 2575 Highway 62 East Mountain Home, AR 72653 Full Service B&M $56,134
Bank Ozk 2609 Richmond Road Texarkana, TX 75503 Full Service B&M $20,852
Bank Ozk 2632 North Miami Avenue Miami, FL 33127 Full Service B&M $73,565
Bank Ozk 2675 Freedom Pkwy Cumming, GA 30041 Full Service B&M $100,834
Bank Ozk 271 Highway 515 Blairsville, GA 30512 Full Service B&M $155,542
Bank Ozk 27616 Us Hwy 65 Western Grove, AR 72685 Full Service B&M $14,425
Bank Ozk 2773 West Sunset Avenue Springdale, AR 72762 Full Service B&M $20,107
Bank Ozk 34 Holcomb Way Marble Hill, GA 30148 Full Service B&M $61,285
Bank Ozk 3408 Georgia Hwy 565 Tallapoosa, GA 30176 Full Service B&M $73,461
Bank Ozk 3414 Forum Blvd, Suite 1 Fort Myers, FL 33905 Full Service B&M $34,842
Bank Ozk 3474 West Wedington Drive Fayetteville, AR 72704 Full Service B&M $38,977
Bank Ozk 352 Highway 801 South Advance, NC 27006 Full Service B&M $44,689
Bank Ozk 3559 Business 27 Buchanan, GA 30113 Full Service B&M $69,985
Bank Ozk 3567 West New Hope Road Rogers, AR 72758 Full Service B&M $52,031
Bank Ozk 3585 Memorial Dr. Decatur, GA 30032 Full Service B&M $188
Bank Ozk 3640 Camp Robinson Road North Little Rock, AR 72118 Full Service B&M $15,051
Bank Ozk 3650 North Highway 7 Hot Springs, AR 71909 Full Service B&M $33,045
Bank Ozk 3705 53rd Avenue East Bradenton, FL 34203 Full Service B&M $82,654
Bank Ozk 3802 South West Shore Boulevard Tampa, FL 33611 Full Service B&M $56,304
Bank Ozk 3855 Tamiami Trail Punta Gorda, FL 33950 Full Service B&M $99,677
Bank Ozk 3901-A Spicewood Springs Road Austin, TX 78759 Full Service B&M $120,269
Bank Ozk 4581 Atlanta Highway Loganville, GA 30052 Full Service B&M $89,163
Bank Ozk 4701 State Highway 121 The Colony, TX 75056 Full Service B&M $13,406
Bank Ozk 4846 North Hills Blvd North Little Rock, AR 72116 Full Service B&M $94,685
Bank Ozk 5 Main Street Auburn, GA 30011 Full Service B&M $47,930
Bank Ozk 501 8th Ave West Palmetto, FL 34221 Full Service B&M $64,681
Bank Ozk 501 Walnut Street Macon, GA 31201 Full Service B&M $48,197
Bank Ozk 503 Arkansas Boulevard Texarkana, AR 71854 Full Service B&M $32,509
Bank Ozk 505 Peachtree Parkway Cumming, GA 30041 Full Service B&M $84,622
Bank Ozk 515 Pointer Trail East Van Buren, AR 72956 Full Service B&M $32,624
Bank Ozk 5178 Preston Road Frisco, TX 75034 Full Service Retail $120,561
Bank Ozk 5200 Daniels Parkway Fort Myers, FL 33912 Full Service B&M $97,112
Bank Ozk 5202 Summerhill Road Texarkana, TX 75503 Full Service Retail $74,505
Bank Ozk 525 Indian Rocks Road Belleair Bluffs, FL 33770 Full Service B&M $76,908
Bank Ozk 526 South Lafayette Street Shelby, NC 28150 Full Service Retail $21,328
Bank Ozk 61 Hancock Bridge Parkway West Cape Coral, FL 33991 Full Service B&M $93,041
Bank Ozk 6100 4th Street North Saint Petersburg, FL 33703 Full Service B&M $91,626
Bank Ozk 611 Highway 71 North Alma, AR 72921 Full Service B&M $46,102
Bank Ozk 615 West Main Street Cabot, AR 72023 Full Service B&M $60,646
Bank Ozk 6180 Central Ave Saint Petersburg, FL 33707 Full Service B&M $64,077
Bank Ozk 625 Court Street Clearwater, FL 33756 Full Service B&M $57,673
Bank Ozk 6542 U.S. Highway 41 North Apollo Beach, FL 33572 Full Service B&M $59,307
Bank Ozk 6548 Highway 54 Sharpsburg, GA 30277 Full Service B&M $34,222
Bank Ozk 6551 South Custer Rd. Mckinney, TX 75070 Full Service B&M $22,905
Bank Ozk 660 Penny Lane, Ne Concord, NC 28025 Full Service B&M $35,839
Bank Ozk 6639 Highway 53 E Dawsonville, GA 30534 Full Service B&M $132,210
Bank Ozk 6750 Gulfport Boulevard South South Pasadena, FL 33707 Full Service B&M $87,068
Bank Ozk 68 First National Dr Dallas, GA 30157 Full Service B&M $84,699
Bank Ozk 7154 West Sunset Ave Springdale, AR 72762 Full Service B&M $33,378
Bank Ozk 100 5th Street St. Petersberg, FL 33701 Full Service B&M $175,559
Bank Ozk 100 East Church St Jasper, AR 72641 Full Service B&M $37,190
Bank Ozk 100 Highway 5 North Mountain Home, AR 72653 Full Service B&M $38,726
Bank Ozk 100 Tom Reeve Drive Carrollton, GA 30117 Full Service B&M $84,007
Bank Ozk 10006 Abercorn Street Savannah, GA 31406 Full Service Retail $126,879
Bank Ozk 1006 Highway 76 Chatsworth, GA 30705 Full Service B&M $67,379
Bank Ozk 101 Main Street Franklin, GA 30217 Full Service B&M $100,673
Bank Ozk 101 North Rodney Parham Road Little Rock, AR 72205 Full Service B&M $26,891
Bank Ozk 1010 Southeast Walton Boulevard Bentonville, AR 72712 Full Service B&M $59,316
Bank Ozk 10109 Us Highway 301 South Riverview, FL 33578 Full Service B&M $37,873

For 2021, Bank Ozk had 234 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $1,071,307
Net interest income $989,720
Total noninterest income $115,538
Gross Fiduciary activities income $8,506
Service charges on deposit accounts $23,367
Trading account gains and fees $503
Additional Noninterest Income $83,162
Pre-tax net operating income $752,921
Securities gains (or losses, -) $0
Income before extraordinary items $579,033
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $579,033
Minority interest net income $32
Net income $579,001
Sale, conversion, retirement of capital stock, net $145,536
Net operating income $579,033

Bank Ozk's gross interest income from loans was $1,071,307,000.
Bank Ozk's net interest income from loans was $989,720,000.
Bank Ozk's fee based income from loans was $23,367,000.
Bank Ozk's net income from loans was $579,001,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $81,587
Provision for credit losses $-77,938
Total noninterest expense $430,275
Salaries and employee benefits $214,567
Premises and equipment expense $66,801
Additional noninterest expense $148,907
Applicable income taxes $173,888
Net charge-offs $10,379
Cash dividends $147,412

Bank Ozk's interest expense for loans was $81,587,000.
Bank Ozk's payroll and benefits expense were $214,567,000.
Bank Ozk's property, plant and equipment expenses $66,801,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 2.0%
HELOC loans 0.0%
All other family 2.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 1.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $20,209,134
Deposits held in domestic offices $20,209,134
Deposits by Individuals, partnerships, and corporations $17,568,146
Deposits by U.S. Government $14
Deposits by States and political subdivisions in the U.S. $2,241,898
Deposits by Commercial banks and other depository institutions in U.S. $399,076
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $900,378
Demand deposits $448,560
Nontransaction accounts $19,308,756
Money market deposit accounts (MMDAs) $4,948,470
Other savings deposits (excluding MMDAs) $8,380,667
Total time deposits $5,979,619
Total time and savings deposits $19,760,574
Noninterest-bearing deposits $4,983,788
Interest-bearing deposits $15,225,346
Retail deposits $18,103,164
IRAs and Keogh plan accounts $787,004
Brokered deposits $452,137
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $26,530,430
Cash & Balances due from depository institutions $2,053,829
Interest-bearing balances $1,887,573
Total securities $3,916,733
Federal funds sold & reverse repurchase $0
Net loans and leases $18,090,445
Loan and leases loss allowance $217,380
Trading account assets $14,957
Bank premises and fixed assets $695,857
Other real estate owned $5,477
Goodwill and other intangibles $669,063
All other assets $1,084,069

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $26,530,430
Total Liabilities $21,691,070
Total deposits $20,209,134
Interest-bearing deposits $15,225,346
Deposits held in domestic offices $20,209,134
% insured (estimated) $57
Federal funds purchased and repurchase agreements $6,115
Trading liabilities $0
Other borrowed funds $750,206
Subordinated debt $467,166
All other liabilities $258,449

Issued Loan Types

Type Value (in 000's)
Net loans and leases $18,090,445
Loan and leases loss allowance $217,380
Total loans and leases (domestic) $18,307,825
All real estate loans $14,099,159
Real estate loans in domestic offices $14,099,159
Construction and development loans $8,246,677
Residential 1-4 family construction $2,294,759
Other construction, all land development and other land $5,951,918
Loans secured by nonfarm nonresidential properties $3,782,886
Nonfarm nonresidential secured by owner-occupied properties $658,148
Commercial real estate & other non-farm, non-residential $3,124,738
Multifamily residential real estate $934,846
1-4 family residential loans $887,022
Farmland loans $247,728
Loans held in foreign offices $0
Farm loans $5,468
Commercial and industrial loans $510,786
To non-U.S. addressees $0
Loans to individuals $2,185,428
Credit card loans $0
Related Plans $3,293
Consumer Auto Loans $7,202
Other loans to individuals $2,174,933
All other loans & leases $1,506,983
Loans to foreign governments and official institutions $0
Other loans $1,402,639
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $1,271,778
Loans secured by real estate to non-U.S. addressees $26,384
Restructured Loans & leases $1,181
Non 1-4 family restructured loans & leases $431
Total loans and leases (foreign) $0

Bank OZK had $18,090,445,000 of loans outstanding in 2021. $14,099,159,000 of loans were in real estate loans. $8,246,677,000 of loans were in development loans. $934,846,000 of loans were in multifamily mortgage loans. $887,022,000 of loans were in 1-4 family mortgage loans. $5,468,000 of loans were in farm loans. $0 of loans were in credit card loans. $7,202,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 1,862 $460,699 $247,422
Nonfarm, nonresidential loans - <$100k 355 $20,689 $58,279
Nonfarm, nonresidential loans - $100-250k 562 $62,862 $111,854
Nonfarm, nonresidential loans - $250k-1MM 945 $377,148 $399,098
Commercial & Industrial, US addressed loans - <$1MM 2,344 $148,469 $63,340
Commercial & Industrial, US addressed loans - <$100k 1,819 $44,541 $24,487
Commercial & Industrial, US addressed loans - $100-250k 324 $41,453 $127,941
Commercial & Industrial, US addressed loans - $250k-1MM 201 $62,475 $310,821
Farmland loans - <$1MM 244 $30,472 $124,885
Farmland loans - <$100k 121 $5,783 $47,793
Farmland loans - $100-250k 86 $13,981 $162,570
Farmland loans - $250k-1MM 37 $10,708 $289,405
Agriculture operations loans - <$1MM 91 $3,440 $37,802
Agriculture operations loans - <$100k 78 $1,741 $22,321
Agriculture operations loans - $100-250k 10 $889 $88,900
Agriculture operations loans - $250k-1MM 3 $810 $270,000