Bank Ozk Mortgage Rates, Fees & Info
Little Rock, ARLEI: 549300VYK2WBD7SST478
Tax ID: 71-0130170
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Review & Overview
Bank Ozk is a smaller bank specializing in Home Purchase loans. Bank Ozk has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Atlanta, Tampa, Little Rock, Dallas, and Fort Smith among others. We have data for 75 markets. (Some data included below & more in-depth data is available with an active subscription.)Bank Ozk has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bank Ozk is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 12/16/24 |
| 30 Year Conventional Purchase | 7.04% | 12/16/24 |
| 30 Year Conventional Refi | 7.33% | 12/16/24 |
| 15 Year Conventional Purchase | 7.13% | 12/16/24 |
| 15 Year Conventional Refi | 6.84% | 12/16/24 |
| 15 Year Cash-out Refi | 6.84% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Bank Ozk Mortgage Calculator
Your Estimates
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This is not an official calculator from Bank Ozk. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,560Origination Dollar Volume (All Markets)
$238,340,000Employee count
2,563Awards
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Bank OZK - 2018
Bank OZK is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 279 | $34,475,000 | $123,566 | $2,527 | 5.38% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 125 | $26,435,000 | $211,480 | $4,055 | 5.51% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 187 | $23,565,000 | $126,016 | $2,220 | 5.42% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 86 | $23,470,000 | $272,907 | $3,805 | 4.88% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 74 | $13,950,000 | $188,514 | $1,396 | 5.62% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 18 | $11,320,000 | $628,889 | $4,514 | 5.24% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 57 | $10,725,000 | $188,158 | $4,103 | 5.56% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $9,505,000 | $9,505,000 | $0 | 5.50% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 45 | $7,985,000 | $177,444 | $1,554 | 5.51% |
| Outside of Metro Areas | 105 | $7,885,000 | $75,095 | $1,309 | 5.72% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 13 | $7,325,000 | $563,462 | $3,626 | 4.69% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 51 | $6,745,000 | $132,255 | $2,976 | 5.37% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 69 | $6,715,000 | $97,319 | $1,773 | 5.53% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 29 | $5,725,000 | $197,414 | $3,543 | 5.64% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 28 | $3,610,000 | $128,929 | $1,842 | 5.65% |
| Russellville, AR (FHA|USDA|VA) | 19 | $3,595,000 | $189,211 | $2,856 | 5.45% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 28 | $2,860,000 | $102,143 | $1,811 | 5.59% |
| Shelby, NC (FHA|USDA|VA) | 43 | $2,785,000 | $64,767 | $1,625 | 5.26% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $1,750,000 | $875,000 | $0 | 5.63% |
| Malvern, AR (FHA|USDA|VA) | 30 | $1,620,000 | $54,000 | $1,417 | 5.57% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $4,117 | 4.85% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $4,747 | 5.49% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 16 | $1,190,000 | $74,375 | $3,092 | 5.11% |
| Forest City, NC (FHA|USDA|VA) | 8 | $1,130,000 | $141,250 | $2,277 | 5.33% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 8 | $1,120,000 | $140,000 | $0 | 5.49% |
| OCALA, FL (FHA|USDA|VA) | 23 | $1,055,000 | $45,870 | $2,203 | 5.52% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 6 | $1,000,000 | $166,667 | $2,042 | 5.36% |
| Hope, AR (FHA|USDA|VA) | 17 | $995,000 | $58,529 | $2,235 | 5.38% |
| Searcy, AR (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $0 | 5.48% |
| BRUNSWICK, GA (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $815 | 6.00% |
| Bainbridge, GA (FHA|USDA|VA) | 11 | $755,000 | $68,636 | $2,442 | 5.58% |
| WILMINGTON, NC (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $2,658 | 5.77% |
| DALTON, GA (FHA|USDA|VA) | 11 | $735,000 | $66,818 | $844 | 5.61% |
| Jefferson, GA (FHA|USDA|VA) | 12 | $730,000 | $60,833 | $795 | 6.38% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $0 | 5.75% |
| VALDOSTA, GA (FHA|USDA|VA) | 14 | $630,000 | $45,000 | $737 | 5.96% |
| MOBILE, AL (FHA|USDA|VA) | 8 | $630,000 | $78,750 | $0 | 5.51% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 5 | $625,000 | $125,000 | $2,751 | 5.23% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 11 | $615,000 | $55,909 | $652 | 5.71% |
| GAINESVILLE, GA (FHA|USDA|VA) | 8 | $600,000 | $75,000 | $1,156 | 6.57% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $590,000 | $98,333 | $2,074 | 6.21% |
| Arkadelphia, AR (FHA|USDA|VA) | 12 | $580,000 | $48,333 | $502 | 5.58% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $2,165 | 5.46% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 5 | $555,000 | $111,000 | $2,949 | 5.41% |
| SAVANNAH, GA (FHA|USDA|VA) | 5 | $495,000 | $99,000 | $3,142 | 5.89% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 4.50% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,971 | 5.53% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $3,445 | 5.51% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 4.50% |
| Harrison, AR (FHA|USDA|VA) | 8 | $380,000 | $47,500 | $567 | 5.57% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $1,576 | 6.40% |
| Mountain Home, AR (FHA|USDA|VA) | 6 | $340,000 | $56,667 | $791 | 5.66% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,526 | 5.50% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 6.30% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 5 | $255,000 | $51,000 | $327 | 5.68% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,130 | 5.65% |
| DOTHAN, AL (FHA|USDA|VA) | 4 | $230,000 | $57,500 | $1,056 | 5.09% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 7.05% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 6.45% |
| Thomaston, GA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 6.13% |
| Cedartown, GA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $660 | 5.68% |
| Arcadia, FL (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $260 | 4.70% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,461 | 5.30% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.85% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,094 | 5.45% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.00% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $861 | 4.73% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.80% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.95% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.00% |
| Boone, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.00% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,363 | 4.90% |
| Helena-West Helena, AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.70% |
| Magnolia, AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.50% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $640 | 7.85% |
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Product Mix
For 2018, Bank Ozk's most frequently originated type of loan was Conventional, with 894 originations. Their 2nd most popular type was HELOC, with 657 originations.
Loan Reason
For 2018, Bank Ozk's most frequently cited loan purpose was Home Purchase, with 665 originations. The 2nd most popular reason was Refi, with 385 originations.
Loan Duration/Length
For 2018, Bank Ozk's most frequently cited loan duration was Other, with 715 originations. The 2nd most popular length was 30 Year, with 398 originations.
Origination Fees/Closing Costs
Bank Ozk's average total fees were $3,242, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 524 originations.
Interest Rates
During 2018, Bank Ozk's average interest rate for loans was 4.83%, while their most frequently originated rate bucket for loans was 5-6%, with 770 originations.
Loan Sizing
2018 saw Bank Ozk place emphasis on $100,000 or less loans with 874 originations, totaling $42,960,000 in origination value.
Applicant Income
Bank Ozk lent most frequently to those with incomes in the $50k or less range, with 408 originations. The second most popular income band? $50k-75k, with 320 originations.
Applicant Debt to Income Ratio
Bank Ozk lent most frequently to those with DTI ratios of 20-30%, with 343 originations. The next most common DTI ratio? <20%, with 265 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications62.42%
Bank Ozk has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination71.54%
Bank Ozk has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,560 | $238,340,000 | $152,782 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| BANK OZK | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 33.3% |
| BANK OZK | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 33.3% |
| BANK OZK | Other type of mortgage | Trouble during payment process | 1 | 33.3% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Bank of the Ozarks | 1010 West Main Clarksville, AR 72830 | Full Service B&M | $11,947 |
| Bank of the Ozarks | 110 S. Boulevard Tampa, FL 33606 | Full Service B&M | $9,649 |
| Bank of the Ozarks | 1412 Main Street Van Buren, AR 72956 | Full Service B&M | $13,803 |
| Bank of the Ozarks | 1612 Franklin St Altus, AR 72821 | Full Service B&M | $9,985 |
| Bank of the Ozarks | 2520 South Zero St Fort Smith, AR 72908 | Full Service B&M | $16,767 |
| Bank of the Ozarks | 2575 Highway 62 East Mountain Home, AR 72653 | Full Service B&M | $21,429 |
| Bank of the Ozarks | 3110 West Main Russellville, AR 72801 | Full Service B&M | $11,245 |
| Bank of the Ozarks | 315 North Walnut Harrison, AR 72601 | Full Service B&M | $17,828 |
| Bank of the Ozarks | 802 North Broad Street Cairo, GA 39828 | Full Service B&M | $14,467 |
| Bank of the Ozarks | 3102 N Oak St Extension Valdosta, GA 31602 | Full Service B&M | $85,192 |
| Bank of the Ozarks | 405 West Main Street Russellville, AR 72801 | Full Service B&M | $51,653 |
| Bank of the Ozarks | 601 West Commerical Street Ozark, AR 72949 | Full Service B&M | $139,358 |
| Bank of the Ozarks | 1 Rockefeller Plaza New York, NY 10020 | Full Service B&M | $1,772,330 |
| Bank of the Ozarks | 100 East Church St Jasper, AR 72641 | Full Service B&M | $28,213 |
| Bank of the Ozarks | 100 Highway 5 North Mountain Home, AR 72653 | Full Service B&M | $24,804 |
| Bank of the Ozarks | 100 Tom Reeve Drive Carrollton, GA 30117 | Full Service B&M | $68,333 |
| Bank of the Ozarks | 10006 Abercorn Street Savannah, GA 31406 | Full Service Retail | $94,816 |
| Bank of the Ozarks | 1006 Highway 76 Chatsworth, GA 30705 | Full Service B&M | $38,318 |
| Bank of the Ozarks | 101 Main Street Franklin, GA 30217 | Full Service B&M | $61,907 |
| Bank of the Ozarks | 101 North Rodney Parham Road Little Rock, AR 72205 | Full Service B&M | $23,144 |
| Bank of the Ozarks | 1010 Southeast Walton Boulevard Bentonville, AR 72712 | Full Service B&M | $44,757 |
| Bank of the Ozarks | 10109 Us Highway 301 South Riverview, FL 33578 | Full Service B&M | $14,377 |
| Bank of the Ozarks | 1011 Park Place Boulevard Greensboro, GA 30642 | Full Service B&M | $22,428 |
| Bank of the Ozarks | 1012 Lakes Boulevard Lake Park, GA 31636 | Full Service B&M | $27,005 |
| Bank of the Ozarks | 103 Piedmont Drive Lawndale, NC 28090 | Full Service B&M | $35,844 |
| Bank of the Ozarks | 1036 William Hilton Parkway Hilton Head, SC 29928 | Full Service B&M | $30,621 |
| Bank of the Ozarks | 104 West Old Main Street Yellville, AR 72687 | Full Service B&M | $7,905 |
| Bank of the Ozarks | 105 North Main Street Landis, NC 28088 | Full Service B&M | $41,864 |
| Bank of the Ozarks | 105 Town Boulevard, Suite A-110 Atlanta, GA 30319 | Full Service B&M | $18,937 |
| Bank of the Ozarks | 1054 West Bethany Drive Allen, TX 75013 | Full Service B&M | $76,852 |
| Bank of the Ozarks | 10565 Richmond Avenue Houston, TX 77042 | Full Service B&M | $92,844 |
| Bank of the Ozarks | 106 South Lafayette Street Shelby, NC 28150 | Full Service B&M | $131,603 |
| Bank of the Ozarks | 108 Plaza Drive, Extension Forest City, NC 28043 | Full Service B&M | $27,344 |
| Bank of the Ozarks | 109 North Chester Little Rock, AR 72201 | Full Service B&M | $17,305 |
| Bank of the Ozarks | 10970 San Jose Blvd Jacksonville, FL 32223 | Full Service B&M | $145,949 |
| Bank of the Ozarks | 1104 East Oak Street Conway, AR 72032 | Full Service B&M | $7,316 |
| Bank of the Ozarks | 1105 Military Cutoff Road Wilmington, NC 28405 | Full Service B&M | $102,580 |
| Bank of the Ozarks | 1107 S Church St Asheboro, NC 27203 | Full Service B&M | $42,207 |
| Bank of the Ozarks | 11102 Rodney Parham Little Rock, AR 72212 | Full Service B&M | $51,273 |
| Bank of the Ozarks | 1127 East Marion Street Shelby, NC 28150 | Full Service B&M | $30,730 |
| Bank of the Ozarks | 1144 Rogers Avenue Clarksville, AR 72830 | Full Service B&M | $21,192 |
| Bank of the Ozarks | 115 Highway 64 West Mulberry, AR 72947 | Full Service B&M | $12,331 |
| Bank of the Ozarks | 118 W. Market Street Lockhart, TX 78644 | Full Service B&M | $51,342 |
| Bank of the Ozarks | 119 West Center Street Lexington, NC 27292 | Full Service B&M | $28,591 |
| Bank of the Ozarks | 120 Audubon Dr Maumelle, AR 72113 | Full Service B&M | $56,701 |
| Bank of the Ozarks | 1201 20th Street Miami Beach, FL 33139 | Full Service B&M | $192,105 |
| Bank of the Ozarks | 1216 Highway 35 Benton, AR 72015 | Full Service B&M | $26,009 |
| Bank of the Ozarks | 1220 Ponce De Leon Boulevard Coral Gables, FL 33134 | Full Service B&M | $55,140 |
| Bank of the Ozarks | 1225 Gastonia Hwy Bessemer City, NC 28016 | Full Service B&M | $33,251 |
| Bank of the Ozarks | 124 W Hill Ave Valdosta, GA 31601 | Full Service B&M | $12,102 |
| Bank of the Ozarks | 1252 Virgil Langford Road Bogart, GA 30622 | Full Service B&M | $36,383 |
| Bank of the Ozarks | 12615 Chenal Parkway Little Rock, AR 72211 | Full Service B&M | $80,761 |
| Bank of the Ozarks | 1303 North Hervey Hope, AR 71801 | Full Service B&M | $2,488 |
| Bank of the Ozarks | 1314 East Sonterra Boulevard, Suite 101 San Antonio, TX 78258 | Full Service B&M | $86,031 |
| Bank of the Ozarks | 1338 East Dixon Boulevard Shelby, NC 28152 | Full Service B&M | $27,418 |
| Bank of the Ozarks | 134 Keith Drive Canton, GA 30114 | Full Service B&M | $72,596 |
| Bank of the Ozarks | 13415 Otter Creek Pkwy Little Rock, AR 72210 | Full Service B&M | $39,496 |
| Bank of the Ozarks | 135 Boxwood Village Dr Mocksville, NC 27028 | Full Service B&M | $51,950 |
| Bank of the Ozarks | 1350 Church St. Ext Suite 100 Marietta, GA 30062 | Full Service B&M | $39,821 |
| Bank of the Ozarks | 1400 Zack Hinton Pkwy Mcdonough, GA 30253 | Full Service B&M | $35,269 |
| Bank of the Ozarks | 1405 East Walnut Paris, AR 72855 | Full Service B&M | $10,435 |
| Bank of the Ozarks | 1410 Albert Pike Hot Springs, AR 71913 | Full Service B&M | $47,666 |
| Bank of the Ozarks | 1465 Old Swimming Pool Road Jefferson, GA 30549 | Full Service B&M | $32,636 |
| Bank of the Ozarks | 14799 N. Dale Mabry Highway Tampa, FL 33618 | Full Service B&M | $27,384 |
| Bank of the Ozarks | 14825 Cantrell Road Little Rock, AR 72223 | Full Service B&M | $129,034 |
| Bank of the Ozarks | 150 Orvin Lance Connector Blue Ridge, GA 30513 | Full Service B&M | $116,784 |
| Bank of the Ozarks | 150 W.C. Bryant Pkwy Calhoun, GA 30701 | Full Service B&M | $11,436 |
| Bank of the Ozarks | 1517 Baytree Rd Valdosta, GA 31602 | Full Service B&M | $11,486 |
| Bank of the Ozarks | 1519 Main Street Sarasota, FL 34236 | Full Service B&M | $16,401 |
| Bank of the Ozarks | 1540 Airport Road, Suite A Hot Springs, AR 71913 | Full Service B&M | $30,442 |
| Bank of the Ozarks | 1549 East Joyce Blvd Fayetteville, AR 72703 | Full Service B&M | $59,106 |
| Bank of the Ozarks | 1565 Red Cedar Drive Fort Myers, FL 33907 | Full Service B&M | $38,720 |
| Bank of the Ozarks | 158 Beach Drive, N.E. Saint Petersburg, FL 33701 | Full Service B&M | $267,751 |
| Bank of the Ozarks | 16 E Broad St Newnan, GA 30263 | Full Service B&M | $13,880 |
| Bank of the Ozarks | 1606 Hollensworth Magnolia, AR 71754 | Full Service B&M | $4,107 |
| Bank of the Ozarks | 1608 Mlk Boulevard Malvern, AR 72104 | Full Service B&M | $16,102 |
| Bank of the Ozarks | 1617 Malvern Avenue Hot Springs, AR 71901 | Full Service B&M | $50,681 |
| Bank of the Ozarks | 1645 Se 47th Terrace Cape Coral, FL 33904 | Full Service B&M | $36,979 |
| Bank of the Ozarks | 1700 Market Place Blvd. Cumming, GA 30041 | Full Service B&M | $52,119 |
| Bank of the Ozarks | 1700 Military Rd Benton, AR 72015 | Full Service B&M | $80,201 |
| Bank of the Ozarks | 1701 Bass Road Macon, GA 31210 | Full Service B&M | $12,241 |
| Bank of the Ozarks | 1745 Old Morrilton Highway Conway, AR 72032 | Full Service B&M | $27,481 |
| Bank of the Ozarks | 1750 Highway 65 South Clinton, AR 72031 | Full Service B&M | $28,805 |
| Bank of the Ozarks | 17901 Chenal Parkway Little Rock, AR 72223 | Full Service B&M | $3,006,458 |
| Bank of the Ozarks | 1800 North Taylor Little Rock, AR 72207 | Full Service B&M | $22,919 |
| Bank of the Ozarks | 1809 Frederica Road Saint Simons Island, GA 31522 | Full Service B&M | $32,774 |
| Bank of the Ozarks | 1861 South Lakeline Blvd. Cedar Park, TX 78613 | Full Service B&M | $68,681 |
| Bank of the Ozarks | 1875 Belcher Road North Clearwater, FL 33765 | Full Service B&M | $84,914 |
| Bank of the Ozarks | 19 Highland Crossing Ellijay, GA 30536 | Full Service B&M | $39,967 |
| Bank of the Ozarks | 1901 Manatee Avenue West Bradenton, FL 34205 | Full Service B&M | $16,819 |
| Bank of the Ozarks | 608 East Page Malvern, AR 72104 | Full Service B&M | $30,456 |
| Bank of the Ozarks | 193 W. Athens St. Winder, GA 30680 | Full Service B&M | $17,168 |
| Bank of the Ozarks | 1950 Tamiami Trail Port Charlotte, FL 33948 | Full Service B&M | $35,044 |
| Bank of the Ozarks | 198 East Round Grove Road Lewisville, TX 75067 | Full Service B&M | $75,507 |
| Bank of the Ozarks | 19811 West Catawba Avenue Cornelius, NC 28031 | Full Service B&M | $36,864 |
| Bank of the Ozarks | 1990 Post Oak Boulevard, Suite 110 Houston, TX 77056 | Full Service B&M | $108,530 |
| Bank of the Ozarks | 1995 Atlanta Highway, S.E. Statham, GA 30666 | Full Service B&M | $34,348 |
| Bank of the Ozarks | 2001 Grayson Hwy Grayson, GA 30017 | Full Service B&M | $22,695 |
| Bank of the Ozarks | 201 Maple Street Carrollton, GA 30117 | Full Service B&M | $1,044,342 |
| Bank of the Ozarks | 2011 West Commercial Street Ozark, AR 72949 | Full Service B&M | $9,704 |
| Bank of the Ozarks | 202 E. Davis Blvd. Tampa, FL 33606 | Full Service B&M | $41,623 |
| Bank of the Ozarks | 2025 Lakewood Ranch Boulevard Lakewood Ranch, FL 34211 | Full Service B&M | $29,537 |
| Bank of the Ozarks | 2060 North Crossover Road Fayetteville, AR 72703 | Full Service Retail | $37,135 |
| Bank of the Ozarks | 208 North Main Street Boiling Springs, NC 28017 | Full Service B&M | $43,722 |
| Bank of the Ozarks | 2085 Highway 211, N.W. Braselton, GA 30517 | Full Service B&M | $51,034 |
| Bank of the Ozarks | 210 West Morris Street Dalton, GA 30720 | Full Service B&M | $286,514 |
| Bank of the Ozarks | 2102 59th St W Bradenton, FL 34209 | Full Service B&M | $34,563 |
| Bank of the Ozarks | 2175 Nursery Road Clearwater, FL 33764 | Full Service B&M | $67,029 |
| Bank of the Ozarks | 2238 Main St E Snellville, GA 30078 | Full Service B&M | $53,724 |
| Bank of the Ozarks | 226 S Broad St Bainbridge, GA 39817 | Full Service B&M | $77,315 |
| Bank of the Ozarks | 2302 South Macdill Avenue Tampa, FL 33629 | Full Service B&M | $63,937 |
| Bank of the Ozarks | 2305 East Parkway Russellville, AR 72802 | Full Service B&M | $16,933 |
| Bank of the Ozarks | 2317 East Main Street Lincolnton, NC 28092 | Full Service B&M | $15,539 |
| Bank of the Ozarks | 2401 East Main Street Siloam Springs, AR 72761 | Full Service B&M | $14,015 |
| Bank of the Ozarks | 24100 Veterans Blvd Port Charlotte, FL 33954 | Full Service B&M | $15,323 |
| Bank of the Ozarks | 24705 State Highway 5 Lonsdale, AR 72087 | Full Service B&M | $52,451 |
| Bank of the Ozarks | 2495 Northwest 82 Avenue Doral, FL 33122 | Full Service B&M | $262,782 |
| Bank of the Ozarks | 2501 West Pleasant Grove Road Rogers, AR 72758 | Full Service B&M | $15,528 |
| Bank of the Ozarks | 2575 Ulmerton Road Clearwater, FL 33762 | Full Service B&M | $23,105 |
| Bank of the Ozarks | 2609 Richmond Road Texarkana, TX 75503 | Full Service B&M | $13,217 |
| Bank of the Ozarks | 2632 North Miami Avenue Miami, FL 33127 | Full Service B&M | $59,153 |
| Bank of the Ozarks | 2675 Freedom Pkwy Cumming, GA 30041 | Full Service B&M | $49,131 |
| Bank of the Ozarks | 271 Highway 515 Blairsville, GA 30512 | Full Service B&M | $110,384 |
| Bank of the Ozarks | 2773 West Sunset Avenue Springdale, AR 72762 | Full Service B&M | $9,221 |
| Bank of the Ozarks | 28235 South Tamiami Trail Bonita Springs, FL 34134 | Full Service B&M | $18,582 |
| Bank of the Ozarks | 2960 West Pine Arkadelphia, AR 71923 | Full Service B&M | $15,411 |
| Bank of the Ozarks | 3 Clark Summit Drive, Suite 100 Bluffton, SC 29910 | Full Service Retail | $67,898 |
| Bank of the Ozarks | 300 West Mountain Street Kings Mountain, NC 28086 | Full Service B&M | $57,683 |
| Bank of the Ozarks | 303 East Front Street Lonoke, AR 72086 | Full Service B&M | $17,651 |
| Bank of the Ozarks | 305 North Jackson Magnolia, AR 71753 | Full Service B&M | $49,683 |
| Bank of the Ozarks | 3091 Hwy 367 S Cabot, AR 72023 | Full Service B&M | $9,837 |
| Bank of the Ozarks | 325 West Capitol Avenue Little Rock, AR 72201 | Full Service B&M | $69,545 |
| Bank of the Ozarks | 3288 Silas Creek Parkway Winston Salem, NC 27103 | Full Service B&M | $67,032 |
| Bank of the Ozarks | 333 Ouachita Avenue Hot Springs, AR 71901 | Full Service B&M | $57,111 |
| Bank of the Ozarks | 3333 Riverwood Parkway Southeast, Suite 100 Atlanta, GA 30339 | Full Service B&M | $88,935 |
| Bank of the Ozarks | 3334 Highway 65 South Harrison, AR 72601 | Full Service B&M | $2,211 |
| Bank of the Ozarks | 3336 E Hebron Pkwy Carrollton, TX 75010 | Full Service B&M | $36,358 |
| Bank of the Ozarks | 3344 Cypress Mill Rd Brunswick, GA 31520 | Full Service B&M | $34,212 |
| Bank of the Ozarks | 3350 Buford Drive, Suite A100 Buford, GA 30519 | Full Service B&M | $19,694 |
| Bank of the Ozarks | 34 Holcomb Way Marble Hill, GA 30148 | Full Service B&M | $37,777 |
| Bank of the Ozarks | 3408 Georgia Hwy 565 Tallapoosa, GA 30176 | Full Service B&M | $49,065 |
| Bank of the Ozarks | 3414 Forum Blvd, Suite 1 Fort Myers, FL 33905 | Full Service B&M | $12,657 |
| Bank of the Ozarks | 3474 West Wedington Drive Fayetteville, AR 72704 | Full Service B&M | $26,321 |
| Bank of the Ozarks | 352 Highway 801 South Advance, NC 27006 | Full Service B&M | $28,819 |
| Bank of the Ozarks | 3559 Business 27 Buchanan, GA 30113 | Full Service B&M | $57,792 |
| Bank of the Ozarks | 3567 West New Hope Road Rogers, AR 72758 | Full Service B&M | $27,311 |
| Bank of the Ozarks | 3640 Camp Robinson Road North Little Rock, AR 72118 | Full Service B&M | $10,712 |
| Bank of the Ozarks | 3650 North Highway 7 Hot Springs, AR 71909 | Full Service B&M | $22,572 |
| Bank of the Ozarks | 3705 53rd Avenue East Bradenton, FL 34203 | Full Service B&M | $58,072 |
| Bank of the Ozarks | 3802 South West Shore Boulevard Tampa, FL 33611 | Full Service B&M | $18,562 |
| Bank of the Ozarks | 3855 Tamiami Trail Punta Gorda, FL 33950 | Full Service B&M | $26,700 |
| Bank of the Ozarks | 3901-A Spicewood Springs Road Austin, TX 78759 | Full Service B&M | $144,309 |
| Bank of the Ozarks | 397 North Sam Houston Pkwy East Houston, TX 77205 | Full Service B&M | $61,820 |
| Bank of the Ozarks | 3990 Atlanta Highway Bogart, GA 30622 | Full Service B&M | $34,017 |
| Bank of the Ozarks | 401 Section Line Road Hot Springs, AR 71913 | Full Service B&M | $136,176 |
| Bank of the Ozarks | 4044 Central Avenue Hot Springs, AR 71913 | Full Service B&M | $34,055 |
| Bank of the Ozarks | 405 Sw 14th Street Bentonville, AR 72712 | Full Service B&M | $20,498 |
| Bank of the Ozarks | 4058 Continental Drive Oakwood, GA 30566 | Full Service B&M | $12,409 |
| Bank of the Ozarks | 4075 Hwy 49 S Harrisburg, NC 28075 | Full Service B&M | $31,384 |
| Bank of the Ozarks | 4077 Forsyth Road Macon, GA 31210 | Full Service B&M | $75,931 |
| Bank of the Ozarks | 409 Main Street Arkadelphia, AR 71923 | Full Service B&M | $88,171 |
| Bank of the Ozarks | 42 Three Rivers Drive, Northeast Rome, GA 30161 | Full Service B&M | $57,532 |
| Bank of the Ozarks | 4200 Park Road Charlotte, NC 28209 | Full Service B&M | $98,342 |
| Bank of the Ozarks | 4328 Old Spanish Trail Houston, TX 77021 | Full Service B&M | $69,656 |
| Bank of the Ozarks | 4420 East Mccain Boulevard North Little Rock, AR 72117 | Full Service B&M | $14,252 |
| Bank of the Ozarks | 4581 Atlanta Highway Loganville, GA 30052 | Full Service B&M | $61,689 |
| Bank of the Ozarks | 4701 State Highway 121 The Colony, TX 75056 | Full Service B&M | $13,705 |
| Bank of the Ozarks | 4846 North Hills Blvd North Little Rock, AR 72116 | Full Service B&M | $123,653 |
| Bank of the Ozarks | 5 Main Street Auburn, GA 30011 | Full Service B&M | $25,562 |
| Bank of the Ozarks | 501 8th Ave West Palmetto, FL 34221 | Full Service B&M | $30,711 |
| Bank of the Ozarks | 501 Walnut Street Macon, GA 31201 | Full Service B&M | $23,810 |
| Bank of the Ozarks | 503 Arkansas Boulevard Texarkana, AR 71854 | Full Service B&M | $27,689 |
| Bank of the Ozarks | 505 Peachtree Parkway Cumming, GA 30041 | Full Service B&M | $55,457 |
| Bank of the Ozarks | 515 Pointer Trail East Van Buren, AR 72956 | Full Service B&M | $30,955 |
| Bank of the Ozarks | 515 South Commerce Street Geneva, AL 36340 | Full Service B&M | $74,452 |
| Bank of the Ozarks | 5178 Preston Road Frisco, TX 75034 | Full Service Retail | $166,072 |
| Bank of the Ozarks | 5200 Daniels Parkway Fort Myers, FL 33912 | Full Service B&M | $23,670 |
| Bank of the Ozarks | 5202 Summerhill Road Texarkana, TX 75503 | Full Service Retail | $61,520 |
| Bank of the Ozarks | 525 Indian Rocks Road Belleair Bluffs, FL 33770 | Full Service B&M | $18,484 |
| Bank of the Ozarks | 526 South Lafayette Street Shelby, NC 28150 | Full Service Retail | $17,344 |
| Bank of the Ozarks | 529 S. New Hope Road Gastonia, NC 28054 | Full Service B&M | $29,292 |
| Bank of the Ozarks | 53 Mechanicsville Road Dahlonega, GA 30533 | Full Service B&M | $41,553 |
| Bank of the Ozarks | 5401 Rogers Avenue Fort Smith, AR 72903 | Full Service B&M | $49,038 |
| Bank of the Ozarks | 545 Salem Road Conway, AR 72034 | Full Service B&M | $45,918 |
| Bank of the Ozarks | 551 Harkrider St Conway, AR 72032 | Full Service B&M | $13,420 |
| Bank of the Ozarks | 5800 West Wilkinson Boulevard Belmont, NC 28012 | Full Service B&M | $20,524 |
| Bank of the Ozarks | 5910 Highway 5 North Bryant, AR 72022 | Full Service B&M | $38,478 |
| Bank of the Ozarks | 5925 West Park Boulevard Plano, TX 75093 | Full Service B&M | $121,455 |
| Bank of the Ozarks | 600 Highway 65 North Marshall, AR 72650 | Full Service B&M | $26,175 |
| Bank of the Ozarks | 600 Keller Parkway Keller, TX 76248 | Full Service B&M | $64,993 |
| Bank of the Ozarks | 600 South Andrews Avenue, Suite 100 Fort Lauderdale, FL 33301 | Full Service B&M | $33,031 |
| Bank of the Ozarks | 600 South Main Hope, AR 71801 | Full Service B&M | $46,901 |
| Bank of the Ozarks | 600 W Commercial Street Ozark, AR 72949 | Full Service Cyber Office | $9,258 |
| Bank of the Ozarks | 600 West Southlake Boulevard Southlake, TX 76092 | Full Service B&M | $79,386 |
| Bank of the Ozarks | 6000 State Road 70 East Bradenton, FL 34203 | Full Service B&M | $80,499 |
| Bank of the Ozarks | 601 Henderson Dr Cartersville, GA 30120 | Full Service B&M | $37,995 |
| Bank of the Ozarks | 61 Hancock Bridge Parkway West Cape Coral, FL 33991 | Full Service B&M | $40,607 |
| Bank of the Ozarks | 6100 4th Street North Saint Petersburg, FL 33703 | Full Service B&M | $159,539 |
| Bank of the Ozarks | 611 Highway 71 North Alma, AR 72921 | Full Service B&M | $34,948 |
| Bank of the Ozarks | 615 West Main Street Cabot, AR 72023 | Full Service B&M | $35,324 |
| Bank of the Ozarks | 6161 Airport Blvd Mobile, AL 36608 | Full Service B&M | $38,816 |
| Bank of the Ozarks | 6180 Central Ave Saint Petersburg, FL 33707 | Full Service B&M | $17,695 |
| Bank of the Ozarks | 625 Court Street Clearwater, FL 33756 | Full Service B&M | $72,984 |
| Bank of the Ozarks | 6542 U.S. Highway 41 North Apollo Beach, FL 33572 | Full Service B&M | $22,268 |
| Bank of the Ozarks | 6548 Highway 54 Sharpsburg, GA 30277 | Full Service B&M | $17,446 |
| Bank of the Ozarks | 6551 South Custer Rd. Mckinney, TX 75070 | Full Service B&M | $5,692 |
| Bank of the Ozarks | 660 Penny Lane, Ne Concord, NC 28025 | Full Service B&M | $17,507 |
| Bank of the Ozarks | 6639 Highway 53 E Dawsonville, GA 30534 | Full Service B&M | $96,855 |
| Bank of the Ozarks | 6750 Gulfport Boulevard South South Pasadena, FL 33707 | Full Service B&M | $106,038 |
| Bank of the Ozarks | 68 First National Dr Dallas, GA 30157 | Full Service B&M | $38,608 |
| Bank of the Ozarks | 7 North Royal Street Mobile, AL 36602 | Full Service B&M | $14,655 |
| Bank of the Ozarks | 7154 West Sunset Ave Springdale, AR 72762 | Full Service B&M | $24,588 |
| Bank of the Ozarks | 7197 Lebanon Road Frisco, TX 75034 | Full Service B&M | $41,429 |
| Bank of the Ozarks | 7202 Manatee Avenue West Bradenton, FL 34209 | Full Service B&M | $50,729 |
| Bank of the Ozarks | 725 Highway 62-65 North Harrison, AR 72601 | Full Service B&M | $14,918 |
| Bank of the Ozarks | 725 W Bankhead Hwy Villa Rica, GA 30180 | Full Service B&M | $68,368 |
| Bank of the Ozarks | 7250 Alcoa Road Benton, AR 72015 | Full Service B&M | $31,123 |
| Bank of the Ozarks | 7320 Veterans Parkway Columbus, GA 31909 | Full Service B&M | $41,084 |
| Bank of the Ozarks | 7435 Gall Blvd Zephyrhills, FL 33541 | Full Service B&M | $12,691 |
| Bank of the Ozarks | 7450 Adairsville Highway, Northwest Adairsville, GA 30103 | Full Service B&M | $22,515 |
| Bank of the Ozarks | 7500 Cantrell Road Little Rock, AR 72207 | Full Service B&M | $31,046 |
| Bank of the Ozarks | 791 Lancashire Boulevard Bella Vista, AR 72715 | Full Service B&M | $42,529 |
| Bank of the Ozarks | 80 Sugar Creek Center Bella Vista, AR 72714 | Full Service B&M | $33,908 |
| Bank of the Ozarks | 800 North 47th Street Rogers, AR 72756 | Full Service B&M | $26,345 |
| Bank of the Ozarks | 8180 East Highway 16 Senoia, GA 30276 | Full Service B&M | $38,935 |
| Bank of the Ozarks | 829 Industrial Boulevard Ellijay, GA 30540 | Full Service B&M | $102,330 |
| Bank of the Ozarks | 8300 Douglas Avenue Dallas, TX 75225 | Full Service Retail | $684,523 |
| Bank of the Ozarks | 8375 Southwest State Road 200 Ocala, FL 34481 | Full Service B&M | $177,660 |
| Bank of the Ozarks | 8501 Phoenix Avenue Fort Smith, AR 72903 | Full Service B&M | $13,377 |
| Bank of the Ozarks | 8718 Highway 107 Sherwood, AR 72120 | Full Service B&M | $28,364 |
| Bank of the Ozarks | 8770 South Main Street Woodstock, GA 30188 | Full Service B&M | $46,573 |
| Bank of the Ozarks | 895 Iris Drive Conyers, GA 30013 | Full Service B&M | $49,129 |
| Bank of the Ozarks | 900 Atlantic Ave Bremen, GA 30110 | Full Service B&M | $80,805 |
| Bank of the Ozarks | 900 Woodstock Road Roswell, GA 30075 | Full Service B&M | $12,018 |
| Bank of the Ozarks | 9001 Belcher Road Pinellas Park, FL 33782 | Full Service B&M | $29,154 |
| Bank of the Ozarks | 9001 Hospital Drive Douglasville, GA 30134 | Full Service Retail | $24,186 |
| Bank of the Ozarks | 920 Level Grove Road Cornelia, GA 30531 | Full Service B&M | $69,587 |
| Bank of the Ozarks | 9360 The Landing Drive Douglasville, GA 30135 | Full Service B&M | $63,860 |
| Bank of the Ozarks | 94 West Athens Street Winder, GA 30680 | Full Service B&M | $209,474 |
| Bank of the Ozarks | 950 Joe Frank Harris Parkway, S.E. Cartersville, GA 30120 | Full Service B&M | $39,809 |
| Bank of the Ozarks | U.S. Highway 65 & State Highway 123 Western Grove, AR 72685 | Full Service B&M | $9,714 |
For 2018, Bank Ozk had 241 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $1,100,857 |
| Net interest income | $891,470 |
| Total noninterest income | $107,720 |
| Gross Fiduciary activities income | $6,935 |
| Service charges on deposit accounts | $26,753 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $74,032 |
| Pre-tax net operating income | $554,041 |
| Securities gains (or losses, -) | $17 |
| Income before extraordinary items | $417,081 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $417,081 |
| Minority interest net income | $-25 |
| Net income | $417,106 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $417,067 |
Bank Ozk's gross interest income from loans was $1,100,857,000.
Bank Ozk's net interest income from loans was $891,470,000.
Bank Ozk's fee based income from loans was $26,753,000.
Bank Ozk's net income from loans was $417,106,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $209,387 |
| Provision for credit losses | $64,398 |
| Total noninterest expense | $380,751 |
| Salaries and employee benefits | $170,478 |
| Premises and equipment expense | $56,362 |
| Additional noninterest expense | $153,911 |
| Applicable income taxes | $136,977 |
| Net charge-offs | $56,253 |
| Cash dividends | $102,218 |
Bank Ozk's interest expense for loans was $209,387,000.
Bank Ozk's payroll and benefits expense were $170,478,000.
Bank Ozk's property, plant and equipment expenses $56,362,000.
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 | 1.0% |
| HELOC loans | 0.0% |
| All other family | 1.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $17,938,415 |
| Deposits held in domestic offices | $17,938,415 |
| Deposits by Individuals, partnerships, and corporations | $14,244,339 |
| Deposits by U.S. Government | $13 |
| Deposits by States and political subdivisions in the U.S. | $3,562,462 |
| Deposits by Commercial banks and other depository institutions in U.S. | $131,601 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $746,111 |
| Demand deposits | $279,618 |
| Nontransaction accounts | $17,192,304 |
| Money market deposit accounts (MMDAs) | $6,717,167 |
| Other savings deposits (excluding MMDAs) | $4,967,709 |
| Total time deposits | $5,507,429 |
| Total time and savings deposits | $17,658,797 |
| Noninterest-bearing deposits | $2,748,273 |
| Interest-bearing deposits | $15,190,142 |
| Retail deposits | $14,500,318 |
| IRAs and Keogh plan accounts | $710,455 |
| Brokered deposits | $2,035,157 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $22,388,030 |
| Cash & Balances due from depository institutions | $290,671 |
| Interest-bearing balances | $47,384 |
| Total securities | $2,862,340 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $17,015,558 |
| Loan and leases loss allowance | $102,265 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $567,189 |
| Other real estate owned | $16,022 |
| Goodwill and other intangibles | $696,461 |
| All other assets | $939,789 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $22,388,030 |
| Total Liabilities | $18,614,665 |
| Total deposits | $17,938,415 |
| Interest-bearing deposits | $15,190,142 |
| Deposits held in domestic offices | $17,938,415 |
| % insured (estimated) | $62 |
| Federal funds purchased and repurchase agreements | $20,564 |
| Trading liabilities | $0 |
| Other borrowed funds | $96,692 |
| Subordinated debt | $342,639 |
| All other liabilities | $216,355 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $17,015,558 |
| Loan and leases loss allowance | $102,265 |
| Total loans and leases (domestic) | $17,117,823 |
| All real estate loans | $13,212,147 |
| Real estate loans in domestic offices | $13,212,147 |
| Construction and development loans | $6,562,185 |
| Residential 1-4 family construction | $2,407,279 |
| Other construction, all land development and other land | $4,154,906 |
| Loans secured by nonfarm nonresidential properties | $4,319,388 |
| Nonfarm nonresidential secured by owner-occupied properties | $938,313 |
| Commercial real estate & other non-farm, non-residential | $3,381,075 |
| Multifamily residential real estate | $1,116,026 |
| 1-4 family residential loans | $1,049,460 |
| Farmland loans | $165,088 |
| Loans held in foreign offices | $0 |
| Farm loans | $14,088 |
| Commercial and industrial loans | $823,417 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $2,345,863 |
| Credit card loans | $0 |
| Related Plans | $4,357 |
| Consumer Auto Loans | $110,576 |
| Other loans to individuals | $2,230,930 |
| All other loans & leases | $722,308 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $659,477 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $58,681 |
| Restructured Loans & leases | $627 |
| Non 1-4 family restructured loans & leases | $627 |
| Total loans and leases (foreign) | $0 |
Bank OZK had $17,015,558,000 of loans outstanding in 2018. $13,212,147,000 of loans were in real estate loans. $6,562,185,000 of loans were in development loans. $1,116,026,000 of loans were in multifamily mortgage loans. $1,049,460,000 of loans were in 1-4 family mortgage loans. $14,088,000 of loans were in farm loans. $0 of loans were in credit card loans. $110,576,000 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 | 2,808 | $637,515 | $227,035 |
| Nonfarm, nonresidential loans - <$100k | 511 | $21,435 | $41,947 |
| Nonfarm, nonresidential loans - $100-250k | 907 | $99,616 | $109,830 |
| Nonfarm, nonresidential loans - $250k-1MM | 1,390 | $516,464 | $371,557 |
| Commercial & Industrial, US addressed loans - <$1MM | 4,804 | $192,254 | $40,020 |
| Commercial & Industrial, US addressed loans - <$100k | 4,097 | $74,888 | $18,279 |
| Commercial & Industrial, US addressed loans - $100-250k | 416 | $37,635 | $90,469 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 291 | $79,731 | $273,990 |
| Farmland loans - <$1MM | 411 | $34,217 | $83,253 |
| Farmland loans - <$100k | 223 | $7,682 | $34,448 |
| Farmland loans - $100-250k | 131 | $14,598 | $111,435 |
| Farmland loans - $250k-1MM | 57 | $11,937 | $209,421 |
| Agriculture operations loans - <$1MM | 223 | $6,725 | $30,157 |
| Agriculture operations loans - <$100k | 203 | $3,859 | $19,010 |
| Agriculture operations loans - $100-250k | 17 | $1,849 | $108,765 |
| Agriculture operations loans - $250k-1MM | 3 | $1,017 | $339,000 |