Bank Ozk Mortgage Rates, Fees & Info
Little Rock, ARLEI: 549300VYK2WBD7SST478
Tax ID: 71-0130170
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Bank Data
Review & Overview
Bank Ozk is a smaller bank specializing in Home Purchase and Refi 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.) Their top markets by origination volume include: Tampa, Little Rock, Atlanta, Dallas, and North Port among others. We have data for 82 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.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/21/24 |
| 30 Year Conventional Purchase | 7.04% | 4/21/24 |
| 30 Year Conventional Refi | 7.33% | 4/21/24 |
| 15 Year Conventional Purchase | 7.13% | 4/21/24 |
| 15 Year Conventional Refi | 6.84% | 4/21/24 |
| 15 Year Cash-out Refi | 6.84% | 4/21/24 |
| 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
1,605Origination Dollar Volume (All Markets)
$234,145,000Employee count
2,774Awards
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Bank OZK - 2019
Bank OZK is a 2019 , due to their low .
For 2019, 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 |
|---|---|---|---|---|---|
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 184 | $37,160,000 | $201,957 | $5,109 | 5.60% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 191 | $33,055,000 | $173,063 | $2,070 | 5.53% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 242 | $26,410,000 | $109,132 | $2,278 | 5.52% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 82 | $17,230,000 | $210,122 | $3,626 | 4.75% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 116 | $16,330,000 | $140,776 | $3,103 | 5.57% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 52 | $10,440,000 | $200,769 | $3,475 | 5.51% |
| Outside of Metro Areas | 102 | $9,750,000 | $95,588 | $1,131 | 5.61% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 47 | $9,635,000 | $205,000 | $3,281 | 5.53% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 40 | $7,710,000 | $192,750 | $1,874 | 5.65% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 42 | $5,300,000 | $126,190 | $2,767 | 5.32% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $5,070,000 | $1,267,500 | $0 | 5.78% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 26 | $4,740,000 | $182,308 | $4,387 | 5.55% |
| JONESBORO, AR (FHA|USDA|VA) | 6 | $4,470,000 | $745,000 | $0 | 5.61% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 64 | $4,220,000 | $65,938 | $984 | 5.58% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 32 | $3,090,000 | $96,563 | $705 | 5.66% |
| Shelby, NC (FHA|USDA|VA) | 29 | $2,935,000 | $101,207 | $1,360 | 5.86% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 6 | $2,270,000 | $378,333 | $3,932 | 5.47% |
| OCALA, FL (FHA|USDA|VA) | 25 | $2,035,000 | $81,400 | $3,137 | 5.11% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $1,805,000 | $601,667 | $4,532 | 5.17% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 10 | $1,800,000 | $180,000 | $2,592 | 5.61% |
| Malvern, AR (FHA|USDA|VA) | 22 | $1,560,000 | $70,909 | $912 | 5.70% |
| Russellville, AR (FHA|USDA|VA) | 18 | $1,540,000 | $85,556 | $545 | 5.63% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 19 | $1,365,000 | $71,842 | $2,962 | 5.57% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $1,275,000 | $425,000 | $0 | 6.08% |
| Jefferson, GA (FHA|USDA|VA) | 11 | $1,235,000 | $112,273 | $1,166 | 5.73% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 7 | $1,145,000 | $163,571 | $1,679 | 5.69% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 11 | $1,055,000 | $95,909 | $1,842 | 5.97% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $1,045,000 | $1,045,000 | $0 | 4.95% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 14 | $1,040,000 | $74,286 | $1,696 | 5.81% |
| Harrison, AR (FHA|USDA|VA) | 21 | $1,035,000 | $49,286 | $721 | 5.54% |
| MOBILE, AL (FHA|USDA|VA) | 9 | $1,015,000 | $112,778 | $2,414 | 5.80% |
| DALTON, GA (FHA|USDA|VA) | 10 | $980,000 | $98,000 | $476 | 5.44% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $0 | 5.58% |
| WILMINGTON, NC (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $2,314 | 5.76% |
| Mountain Home, AR (FHA|USDA|VA) | 12 | $810,000 | $67,500 | $603 | 5.36% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 10 | $800,000 | $80,000 | $924 | 5.74% |
| Waycross, GA (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $0 | 6.15% |
| PANAMA CITY, FL (FHA|USDA|VA) | 6 | $620,000 | $103,333 | $2,649 | 5.54% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 6 | $590,000 | $98,333 | $0 | 5.65% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $0 | 5.50% |
| VALDOSTA, GA (FHA|USDA|VA) | 13 | $565,000 | $43,462 | $822 | 6.00% |
| GAINESVILLE, GA (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $0 | 5.74% |
| Bainbridge, GA (FHA|USDA|VA) | 5 | $465,000 | $93,000 | $235 | 5.45% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 5.60% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 10 | $430,000 | $43,000 | $2,324 | 5.62% |
| Arcadia, FL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,665 | 5.75% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $2,018 | 6.03% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 5.95% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $2,625 | 6.30% |
| BRUNSWICK, GA (FHA|USDA|VA) | 5 | $315,000 | $63,000 | $516 | 6.60% |
| Hope, AR (FHA|USDA|VA) | 9 | $305,000 | $33,889 | $690 | 5.54% |
| Cornelia, GA (FHA|USDA|VA) | 7 | $295,000 | $42,143 | $1,115 | 5.67% |
| Forest City, NC (FHA|USDA|VA) | 5 | $285,000 | $57,000 | $1,776 | 5.12% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $0 | 5.50% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 4.80% |
| Arkadelphia, AR (FHA|USDA|VA) | 6 | $210,000 | $35,000 | $0 | 5.58% |
| Cedartown, GA (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $473 | 5.09% |
| Boone, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 5.75% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 6.25% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 5.65% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 6.25% |
| Calhoun, GA (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $2,828 | 5.13% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $985 | 6.44% |
| DOTHAN, AL (FHA|USDA|VA) | 4 | $130,000 | $32,500 | $2,034 | 5.88% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.10% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.95% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.10% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,031 | 5.40% |
| Magnolia, AR (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 5.60% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,031 | 6.20% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.00% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.25% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.00% |
| Searcy, AR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.00% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.95% |
| Branson, MO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $511 | 5.14% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,304 | 5.15% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,193 | 5.00% |
| ROME, GA (FHA|USDA|VA) | 2 | $50,000 | $25,000 | $0 | 5.58% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.50% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.75% |
| Camden, AR (FHA|USDA|VA) | 1 | $5,000 | $5,000 | $618 | 5.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against Bank OZK based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 803 | $163,615,000 | $203,755 | $2,585 | 5.41% |
| HELOC | 801 | $70,325,000 | $87,797 | n/a | 5.66% |
| FHA | 1 | $205,000 | $205,000 | $3,034 | 5.00% |
For 2019, Bank Ozk's most frequently originated type of loan was Conventional, with 803 originations. Their 2nd most popular type was HELOC, with 801 originations.
Loan Reason
For 2019, Bank Ozk's most frequently cited loan purpose was Home Purchase, with 613 originations. The 2nd most popular reason was Home Improvement, with 443 originations.
Loan Duration/Length
For 2019, Bank Ozk's most frequently cited loan duration was Other, with 887 originations. The 2nd most popular length was 30 Year, with 325 originations.
Origination Fees/Closing Costs
Bank Ozk's average total fees were $3,338, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 424 originations.
Interest Rates
During 2019, Bank Ozk's average interest rate for loans was 4.94%, while their most frequently originated rate bucket for loans was 5-6%, with 961 originations.
Loan Sizing
2019 saw Bank Ozk place emphasis on $100,000 or less loans with 955 originations, totaling $48,545,000 in origination value.
Applicant Income
Bank Ozk lent most frequently to those with incomes in the $50k or less range, with 338 originations. The second most popular income band? $50k-75k, with 310 originations.
Applicant Debt to Income Ratio
Bank Ozk lent most frequently to those with DTI ratios of 20-30%, with 385 originations. The next most common DTI ratio? 30-36%, with 287 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications59.17%
Bank Ozk has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination70.59%
Bank Ozk has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,605 | $234,145,000 | $145,885 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| BANK OZK | Conventional home mortgage | Closing on a mortgage | 1 | 50.0% |
| BANK OZK | Conventional home mortgage | Trouble during payment process | 1 | 50.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Bank OZK | 1405 East Walnut Paris, AR 72855 | Full Service B&M | $10,712 |
| Bank OZK | 19 Highland Crossing Ellijay, GA 30536 | Full Service B&M | $44,096 |
| Bank OZK | 106 South Lafayette Street Shelby, NC 28150 | Full Service B&M | $125,761 |
| Bank OZK | 1875 Belcher Road North Clearwater, FL 33765 | Full Service B&M | $60,033 |
| Bank OZK | 208 North Main Street Boiling Springs, NC 28017 | Full Service B&M | $32,586 |
| Bank OZK | 2520 South Zero St Fort Smith, AR 72908 | Full Service B&M | $17,669 |
| Bank OZK | 2575 Highway 62 East Mountain Home, AR 72653 | Full Service B&M | $24,396 |
| Bank OZK | 2609 Richmond Road Texarkana, TX 75503 | Full Service B&M | $14,116 |
| Bank OZK | 4058 Continental Drive Oakwood, GA 30566 | Full Service B&M | $15,159 |
| Bank OZK | 503 Arkansas Boulevard Texarkana, AR 71854 | Full Service B&M | $29,126 |
| Bank OZK | 108 Plaza Drive, Extension Forest City, NC 28043 | Full Service B&M | $27,090 |
| Bank OZK | 611 Highway 71 North Alma, AR 72921 | Full Service B&M | $34,893 |
| Bank OZK | 1 Rockefeller Plaza, Suite 400 New York, NY 10020 | Full Service B&M | $1,367,230 |
| Bank OZK | 100 East Church St Jasper, AR 72641 | Full Service B&M | $30,174 |
| Bank OZK | 100 Highway 5 North Mountain Home, AR 72653 | Full Service B&M | $25,516 |
| Bank OZK | 100 Tom Reeve Drive Carrollton, GA 30117 | Full Service B&M | $65,386 |
| Bank OZK | 10006 Abercorn Street Savannah, GA 31406 | Full Service Retail | $103,534 |
| Bank OZK | 1006 Highway 76 Chatsworth, GA 30705 | Full Service B&M | $37,940 |
| Bank OZK | 101 Main Street Franklin, GA 30217 | Full Service B&M | $64,708 |
| Bank OZK | 101 North Rodney Parham Road Little Rock, AR 72205 | Full Service B&M | $16,111 |
| Bank OZK | 1010 Southeast Walton Boulevard Bentonville, AR 72712 | Full Service B&M | $41,046 |
| Bank OZK | 1010 West Main Clarksville, AR 72830 | Full Service B&M | $11,401 |
| Bank OZK | 10109 Us Highway 301 South Riverview, FL 33578 | Full Service B&M | $15,402 |
| Bank OZK | 1011 Park Place Boulevard Greensboro, GA 30642 | Full Service B&M | $20,341 |
| Bank OZK | 1012 Lakes Boulevard Lake Park, GA 31636 | Full Service B&M | $28,794 |
| Bank OZK | 103 Piedmont Drive Lawndale, NC 28090 | Full Service B&M | $35,107 |
| Bank OZK | 1036 William Hilton Parkway Hilton Head, SC 29928 | Full Service B&M | $25,332 |
| Bank OZK | 104 West Old Main Street Yellville, AR 72687 | Full Service B&M | $8,227 |
| Bank OZK | 105 North Main Street Landis, NC 28088 | Full Service B&M | $40,679 |
| Bank OZK | 105 Town Boulevard, Suite A-110 Atlanta, GA 30319 | Full Service B&M | $14,953 |
| Bank OZK | 1054 West Bethany Drive Allen, TX 75013 | Full Service B&M | $56,180 |
| Bank OZK | 10565 Richmond Avenue Houston, TX 77042 | Full Service B&M | $69,572 |
| Bank OZK | 109 North Chester Little Rock, AR 72201 | Full Service B&M | $14,789 |
| Bank OZK | 10970 San Jose Blvd Jacksonville, FL 32223 | Full Service B&M | $126,711 |
| Bank OZK | 110 S. Boulevard Tampa, FL 33606 | Full Service B&M | $13,721 |
| Bank OZK | 1104 East Oak Street Conway, AR 72032 | Full Service B&M | $7,476 |
| Bank OZK | 1105 Military Cutoff Road Wilmington, NC 28405 | Full Service B&M | $105,528 |
| Bank OZK | 1107 S Church St Asheboro, NC 27203 | Full Service B&M | $32,787 |
| Bank OZK | 11102 Rodney Parham Little Rock, AR 72212 | Full Service B&M | $48,875 |
| Bank OZK | 1127 East Marion Street Shelby, NC 28150 | Full Service B&M | $27,342 |
| Bank OZK | 1144 Rogers Avenue Clarksville, AR 72830 | Full Service B&M | $15,045 |
| Bank OZK | 115 Highway 64 West Mulberry, AR 72947 | Full Service B&M | $10,738 |
| Bank OZK | 118 W. Market Street Lockhart, TX 78644 | Full Service B&M | $51,234 |
| Bank OZK | 119 West Center Street Lexington, NC 27292 | Full Service B&M | $29,768 |
| Bank OZK | 120 Audubon Dr Maumelle, AR 72113 | Full Service B&M | $54,943 |
| Bank OZK | 1201 20th Street, Condo Unit #5 Miami Beach, FL 33139 | Full Service B&M | $170,891 |
| Bank OZK | 1216 Highway 35 Benton, AR 72015 | Full Service B&M | $31,170 |
| Bank OZK | 1220 Ponce De Leon Boulevard Coral Gables, FL 33134 | Full Service B&M | $59,916 |
| Bank OZK | 1225 Gastonia Hwy Bessemer City, NC 28016 | Full Service B&M | $36,182 |
| Bank OZK | 124 W Hill Ave Valdosta, GA 31601 | Full Service B&M | $10,958 |
| Bank OZK | 1252 Virgil Langford Road Bogart, GA 30622 | Full Service B&M | $49,243 |
| Bank OZK | 12615 Chenal Parkway Little Rock, AR 72211 | Full Service B&M | $66,232 |
| Bank OZK | 1303 North Hervey Hope, AR 71801 | Full Service B&M | $2,040 |
| Bank OZK | 1314 East Sonterra Boulevard, Suite 101 San Antonio, TX 78258 | Full Service B&M | $72,143 |
| Bank OZK | 1338 East Dixon Boulevard Shelby, NC 28152 | Full Service B&M | $28,397 |
| Bank OZK | 134 Keith Drive Canton, GA 30114 | Full Service B&M | $64,443 |
| Bank OZK | 13415 Otter Creek Pkwy Little Rock, AR 72210 | Full Service B&M | $40,955 |
| Bank OZK | 135 Boxwood Village Dr Mocksville, NC 27028 | Full Service B&M | $60,574 |
| Bank OZK | 1350 Church St. Ext Ne Suite 100 Marietta, GA 30062 | Full Service B&M | $47,139 |
| Bank OZK | 1400 Zack Hinton Pkwy Mcdonough, GA 30253 | Full Service B&M | $41,005 |
| Bank OZK | 1410 Albert Pike Hot Springs, AR 71913 | Full Service B&M | $50,162 |
| Bank OZK | 1412 Main Street Van Buren, AR 72956 | Full Service B&M | $12,055 |
| Bank OZK | 1465 Old Swimming Pool Road Jefferson, GA 30549 | Full Service B&M | $35,849 |
| Bank OZK | 14799 N. Dale Mabry Highway Tampa, FL 33618 | Full Service B&M | $37,084 |
| Bank OZK | 14825 Cantrell Road Little Rock, AR 72223 | Full Service B&M | $240,781 |
| Bank OZK | 150 Orvin Lance Connector Blue Ridge, GA 30513 | Full Service B&M | $94,293 |
| Bank OZK | 150 W.C. Bryant Pkwy Calhoun, GA 30701 | Full Service B&M | $10,761 |
| Bank OZK | 1517 Baytree Rd Valdosta, GA 31602 | Full Service B&M | $12,797 |
| Bank OZK | 1519 Main Street Sarasota, FL 34236 | Full Service B&M | $30,028 |
| Bank OZK | 1540 Airport Road, Suite A Hot Springs, AR 71913 | Full Service B&M | $29,339 |
| Bank OZK | 1549 East Joyce Blvd Fayetteville, AR 72703 | Full Service B&M | $50,544 |
| Bank OZK | 1565 Red Cedar Drive Fort Myers, FL 33907 | Full Service B&M | $42,312 |
| Bank OZK | 158 Beach Drive, N.E. Saint Petersburg, FL 33701 | Full Service B&M | $37,421 |
| Bank OZK | 16 E Broad St Newnan, GA 30263 | Full Service B&M | $12,766 |
| Bank OZK | 1608 Mlk Boulevard Malvern, AR 72104 | Full Service B&M | $13,547 |
| Bank OZK | 1612 Franklin St Altus, AR 72821 | Full Service B&M | $9,796 |
| Bank OZK | 1617 Malvern Avenue Hot Springs, AR 71901 | Full Service B&M | $36,916 |
| Bank OZK | 1645 Se 47th Terrace Cape Coral, FL 33904 | Full Service B&M | $36,813 |
| Bank OZK | 1700 Market Place Blvd. Cumming, GA 30041 | Full Service B&M | $61,425 |
| Bank OZK | 1700 Military Rd Benton, AR 72015 | Full Service B&M | $80,084 |
| Bank OZK | 1701 Bass Road Macon, GA 31210 | Full Service B&M | $14,903 |
| Bank OZK | 1745 Old Morrilton Highway Conway, AR 72032 | Full Service B&M | $31,403 |
| Bank OZK | 1750 Highway 65 South Clinton, AR 72031 | Full Service B&M | $24,748 |
| Bank OZK | 17901 Chenal Parkway Little Rock, AR 72223 | Full Service B&M | $5,544,020 |
| Bank OZK | 1800 North Taylor Little Rock, AR 72207 | Full Service B&M | $50,437 |
| Bank OZK | 1809 Frederica Road Saint Simons Island, GA 31522 | Full Service B&M | $34,019 |
| Bank OZK | 1861 South Lakeline Blvd. Cedar Park, TX 78613 | Full Service B&M | $61,955 |
| Bank OZK | 1901 Manatee Avenue West Bradenton, FL 34205 | Full Service B&M | $16,785 |
| Bank OZK | 193 W. Athens St. Winder, GA 30680 | Full Service B&M | $20,791 |
| Bank OZK | 1950 Tamiami Trail Port Charlotte, FL 33948 | Full Service B&M | $43,761 |
| Bank OZK | 198 East Round Grove Road Lewisville, TX 75067 | Full Service B&M | $57,606 |
| Bank OZK | 19811 West Catawba Avenue Cornelius, NC 28031 | Full Service B&M | $36,371 |
| Bank OZK | 1990 Post Oak Boulevard, Suite 110 Houston, TX 77056 | Full Service B&M | $87,277 |
| Bank OZK | 1995 Atlanta Highway, S.E. Statham, GA 30666 | Full Service B&M | $38,076 |
| Bank OZK | 2001 Grayson Hwy Grayson, GA 30017 | Full Service B&M | $21,873 |
| Bank OZK | 201 Maple Street Carrollton, GA 30117 | Full Service B&M | $373,030 |
| Bank OZK | 2011 West Commercial Street Ozark, AR 72949 | Full Service B&M | $13,980 |
| Bank OZK | 202 E. Davis Blvd. Tampa, FL 33606 | Full Service B&M | $33,292 |
| Bank OZK | 2025 Lakewood Ranch Boulevard Lakewood Ranch, FL 34211 | Full Service B&M | $37,295 |
| Bank OZK | 2060 North Crossover Road Fayetteville, AR 72703 | Full Service Retail | $32,627 |
| Bank OZK | 2085 Highway 211, N.W. Braselton, GA 30517 | Full Service B&M | $31,985 |
| Bank OZK | 210 West Morris Street Dalton, GA 30720 | Full Service B&M | $161,473 |
| Bank OZK | 2102 59th St W Bradenton, FL 34209 | Full Service B&M | $38,710 |
| Bank OZK | 2175 Nursery Road Clearwater, FL 33764 | Full Service B&M | $62,205 |
| Bank OZK | 2238 Main St E Snellville, GA 30078 | Full Service B&M | $54,154 |
| Bank OZK | 226 S Broad St Bainbridge, GA 39817 | Full Service B&M | $87,764 |
| Bank OZK | 2302 South Macdill Avenue Tampa, FL 33629 | Full Service B&M | $42,430 |
| Bank OZK | 2305 East Parkway Russellville, AR 72802 | Full Service B&M | $16,229 |
| Bank OZK | 2317 East Main Street Lincolnton, NC 28092 | Full Service B&M | $16,315 |
| Bank OZK | 2401 East Main Street Siloam Springs, AR 72761 | Full Service B&M | $14,865 |
| Bank OZK | 24100 Veterans Blvd Port Charlotte, FL 33954 | Full Service B&M | $17,417 |
| Bank OZK | 24705 State Highway 5 Lonsdale, AR 72087 | Full Service B&M | $50,043 |
| Bank OZK | 2495 Northwest 82 Avenue Doral, FL 33122 | Full Service B&M | $186,772 |
| Bank OZK | 2501 West Pleasant Grove Road Rogers, AR 72758 | Full Service B&M | $16,401 |
| Bank OZK | 2632 North Miami Avenue Miami, FL 33127 | Full Service B&M | $43,726 |
| Bank OZK | 2675 Freedom Pkwy Cumming, GA 30041 | Full Service B&M | $57,012 |
| Bank OZK | 271 Highway 515 Blairsville, GA 30512 | Full Service B&M | $101,654 |
| Bank OZK | 2773 West Sunset Avenue Springdale, AR 72762 | Full Service B&M | $10,937 |
| Bank OZK | 28235 South Tamiami Trail Bonita Springs, FL 34134 | Full Service B&M | $21,302 |
| Bank OZK | 2960 West Pine Arkadelphia, AR 71923 | Full Service B&M | $14,690 |
| Bank OZK | 3 Clark Summit Drive, Suite 100 Bluffton, SC 29910 | Full Service Retail | $54,428 |
| Bank OZK | 300 West Mountain Street Kings Mountain, NC 28086 | Full Service B&M | $45,944 |
| Bank OZK | 303 East Front Street Lonoke, AR 72086 | Full Service B&M | $15,650 |
| Bank OZK | 305 North Jackson Magnolia, AR 71753 | Full Service B&M | $48,755 |
| Bank OZK | 3091 Hwy 367 S Cabot, AR 72023 | Full Service B&M | $7,097 |
| Bank OZK | 3102 N Oak St Extension Valdosta, GA 31602 | Full Service B&M | $88,644 |
| Bank OZK | 3110 West Main Russellville, AR 72801 | Full Service B&M | $9,680 |
| Bank OZK | 315 North Walnut Harrison, AR 72601 | Full Service B&M | $18,343 |
| Bank OZK | 325 West Capitol Avenue Little Rock, AR 72201 | Full Service B&M | $57,314 |
| Bank OZK | 3288 Silas Creek Parkway Winston Salem, NC 27103 | Full Service B&M | $34,496 |
| Bank OZK | 333 Ouachita Avenue Hot Springs, AR 71901 | Full Service B&M | $48,874 |
| Bank OZK | 3333 Riverwood Parkway Southeast, Suite 100 Atlanta, GA 30339 | Full Service B&M | $75,937 |
| Bank OZK | 3334 Highway 65 South Harrison, AR 72601 | Full Service B&M | $2,629 |
| Bank OZK | 3336 E Hebron Pkwy Carrollton, TX 75010 | Full Service B&M | $25,840 |
| Bank OZK | 3344 Cypress Mill Rd Brunswick, GA 31520 | Full Service B&M | $40,201 |
| Bank OZK | 3350 Buford Drive, Suite A100 Buford, GA 30519 | Full Service B&M | $19,244 |
| Bank OZK | 34 Holcomb Way Marble Hill, GA 30148 | Full Service B&M | $38,790 |
| Bank OZK | 3408 Georgia Hwy 565 Tallapoosa, GA 30176 | Full Service B&M | $51,718 |
| Bank OZK | 3414 Forum Blvd, Suite 1 Fort Myers, FL 33905 | Full Service B&M | $18,099 |
| Bank OZK | 3474 West Wedington Drive Fayetteville, AR 72704 | Full Service B&M | $27,478 |
| Bank OZK | 352 Highway 801 South Advance, NC 27006 | Full Service B&M | $28,434 |
| Bank OZK | 829 Industrial Boulevard Ellijay, GA 30540 | Full Service B&M | $99,853 |
| Bank OZK | 3559 Business 27 Buchanan, GA 30113 | Full Service B&M | $59,378 |
| Bank OZK | 3567 West New Hope Road Rogers, AR 72758 | Full Service B&M | $24,784 |
| Bank OZK | 3640 Camp Robinson Road North Little Rock, AR 72118 | Full Service B&M | $10,496 |
| Bank OZK | 3650 North Highway 7 Hot Springs, AR 71909 | Full Service B&M | $20,993 |
| Bank OZK | 3705 53rd Avenue East Bradenton, FL 34203 | Full Service B&M | $56,578 |
| Bank OZK | 3802 South West Shore Boulevard Tampa, FL 33611 | Full Service B&M | $28,194 |
| Bank OZK | 3855 Tamiami Trail Punta Gorda, FL 33950 | Full Service B&M | $35,109 |
| Bank OZK | 3901-A Spicewood Springs Road Austin, TX 78759 | Full Service B&M | $122,892 |
| Bank OZK | 397 North Sam Houston Pkwy East Houston, TX 77205 | Full Service B&M | $49,265 |
| Bank OZK | 3990 Atlanta Highway Bogart, GA 30622 | Full Service B&M | $24,887 |
| Bank OZK | 401 Section Line Road Hot Springs, AR 71913 | Full Service B&M | $113,418 |
| Bank OZK | 4044 Central Avenue Hot Springs, AR 71913 | Full Service B&M | $32,178 |
| Bank OZK | 405 Sw 14th Street Bentonville, AR 72712 | Full Service B&M | $19,757 |
| Bank OZK | 405 West Main Street Russellville, AR 72801 | Full Service B&M | $32,408 |
| Bank OZK | 4075 Hwy 49 S Harrisburg, NC 28075 | Full Service B&M | $32,121 |
| Bank OZK | 4077 Forsyth Road Macon, GA 31210 | Full Service B&M | $75,785 |
| Bank OZK | 409 Main Street Arkadelphia, AR 71923 | Full Service B&M | $66,798 |
| Bank OZK | 42 Three Rivers Drive, Northeast Rome, GA 30161 | Full Service B&M | $54,572 |
| Bank OZK | 4200 Park Road Charlotte, NC 28209 | Full Service B&M | $112,117 |
| Bank OZK | 4328 Old Spanish Trail Houston, TX 77021 | Full Service B&M | $62,046 |
| Bank OZK | 4420 East Mccain Boulevard North Little Rock, AR 72117 | Full Service B&M | $18,619 |
| Bank OZK | 4581 Atlanta Highway Loganville, GA 30052 | Full Service B&M | $61,581 |
| Bank OZK | 4701 State Highway 121 The Colony, TX 75056 | Full Service B&M | $10,141 |
| Bank OZK | 4846 North Hills Blvd North Little Rock, AR 72116 | Full Service B&M | $100,462 |
| Bank OZK | 5 Main Street Auburn, GA 30011 | Full Service B&M | $27,375 |
| Bank OZK | 501 8th Ave West Palmetto, FL 34221 | Full Service B&M | $37,331 |
| Bank OZK | 501 Walnut Street Macon, GA 31201 | Full Service B&M | $27,540 |
| Bank OZK | 505 Peachtree Parkway Cumming, GA 30041 | Full Service B&M | $49,120 |
| Bank OZK | 515 Pointer Trail East Van Buren, AR 72956 | Full Service B&M | $24,327 |
| Bank OZK | 515 South Commerce Street Geneva, AL 36340 | Full Service B&M | $71,160 |
| Bank OZK | 5178 Preston Road Frisco, TX 75034 | Full Service Retail | $135,718 |
| Bank OZK | 5200 Daniels Parkway Fort Myers, FL 33912 | Full Service B&M | $34,834 |
| Bank OZK | 5202 Summerhill Road Texarkana, TX 75503 | Full Service Retail | $65,735 |
| Bank OZK | 525 Indian Rocks Road Belleair Bluffs, FL 33770 | Full Service B&M | $29,579 |
| Bank OZK | 526 South Lafayette Street Shelby, NC 28150 | Full Service Retail | $16,349 |
| Bank OZK | 529 S. New Hope Road Gastonia, NC 28054 | Full Service B&M | $26,699 |
| Bank OZK | 53 Mechanicsville Road Dahlonega, GA 30533 | Full Service B&M | $37,383 |
| Bank OZK | 5401 Rogers Avenue Fort Smith, AR 72903 | Full Service B&M | $44,313 |
| Bank OZK | 545 Salem Road Conway, AR 72034 | Full Service B&M | $30,089 |
| Bank OZK | 551 Harkrider St Conway, AR 72032 | Full Service B&M | $13,726 |
| Bank OZK | 5800 West Wilkinson Boulevard Belmont, NC 28012 | Full Service B&M | $18,375 |
| Bank OZK | 5910 Highway 5 North Bryant, AR 72022 | Full Service B&M | $37,170 |
| Bank OZK | 5925 West Park Boulevard Plano, TX 75093 | Full Service B&M | $83,855 |
| Bank OZK | 600 Highway 65 North Marshall, AR 72650 | Full Service B&M | $25,096 |
| Bank OZK | 600 Keller Parkway Keller, TX 76248 | Full Service B&M | $52,303 |
| Bank OZK | 600 South Andrews Avenue, Suite 100 Fort Lauderdale, FL 33301 | Full Service B&M | $19,194 |
| Bank OZK | 600 South Main Hope, AR 71801 | Full Service B&M | $38,508 |
| Bank OZK | 600 W Commercial Street Ozark, AR 72949 | Full Service Cyber Office | $7,050 |
| Bank OZK | 600 West Southlake Boulevard Southlake, TX 76092 | Full Service B&M | $65,183 |
| Bank OZK | 6000 State Road 70 East Bradenton, FL 34203 | Full Service B&M | $86,491 |
| Bank OZK | 601 Henderson Dr Cartersville, GA 30120 | Full Service B&M | $36,617 |
| Bank OZK | 601 West Commerical Street Ozark, AR 72949 | Full Service B&M | $125,704 |
| Bank OZK | 608 East Page Malvern, AR 72104 | Full Service B&M | $29,087 |
| Bank OZK | 61 Hancock Bridge Parkway West Cape Coral, FL 33991 | Full Service B&M | $41,438 |
| Bank OZK | 6100 4th Street North Saint Petersburg, FL 33703 | Full Service B&M | $160,043 |
| Bank OZK | 615 West Main Street Cabot, AR 72023 | Full Service B&M | $31,166 |
| Bank OZK | 6161 Airport Blvd Mobile, AL 36608 | Full Service B&M | $28,107 |
| Bank OZK | 6180 Central Ave Saint Petersburg, FL 33707 | Full Service B&M | $21,298 |
| Bank OZK | 625 Court Street Clearwater, FL 33756 | Full Service B&M | $42,234 |
| Bank OZK | 6542 U.S. Highway 41 North Apollo Beach, FL 33572 | Full Service B&M | $31,553 |
| Bank OZK | 6548 Highway 54 Sharpsburg, GA 30277 | Full Service B&M | $20,030 |
| Bank OZK | 6551 South Custer Rd. Mckinney, TX 75070 | Full Service B&M | $6,836 |
| Bank OZK | 660 Penny Lane, Ne Concord, NC 28025 | Full Service B&M | $21,442 |
| Bank OZK | 6639 Highway 53 E Dawsonville, GA 30534 | Full Service B&M | $78,440 |
| Bank OZK | 6750 Gulfport Boulevard South South Pasadena, FL 33707 | Full Service B&M | $78,545 |
| Bank OZK | 68 First National Dr Dallas, GA 30157 | Full Service B&M | $34,217 |
| Bank OZK | 7 North Royal Street Mobile, AL 36602 | Full Service B&M | $11,757 |
| Bank OZK | 7154 West Sunset Ave Springdale, AR 72762 | Full Service B&M | $24,486 |
| Bank OZK | 7197 Lebanon Road Frisco, TX 75034 | Full Service B&M | $32,178 |
| Bank OZK | 7202 Manatee Avenue West Bradenton, FL 34209 | Full Service B&M | $56,551 |
| Bank OZK | 725 Highway 62-65 North Harrison, AR 72601 | Full Service B&M | $16,227 |
| Bank OZK | 725 W Bankhead Hwy Villa Rica, GA 30180 | Full Service B&M | $67,656 |
| Bank OZK | 7250 Alcoa Road Benton, AR 72015 | Full Service B&M | $27,807 |
| Bank OZK | 7320 Veterans Parkway Columbus, GA 31909 | Full Service B&M | $41,754 |
| Bank OZK | 7435 Gall Blvd Zephyrhills, FL 33541 | Full Service B&M | $14,226 |
| Bank OZK | 7450 Adairsville Highway, Northwest Adairsville, GA 30103 | Full Service B&M | $21,852 |
| Bank OZK | 7500 Cantrell Road Little Rock, AR 72207 | Full Service B&M | $27,676 |
| Bank OZK | 7900 Crowley Rd Fort Worth, TX 76134 | Full Service B&M | $702 |
| Bank OZK | 791 Lancashire Boulevard Bella Vista, AR 72715 | Full Service B&M | $43,183 |
| Bank OZK | 80 Sugar Creek Center Bella Vista, AR 72714 | Full Service B&M | $34,164 |
| Bank OZK | 800 North 47th Street Rogers, AR 72756 | Full Service B&M | $21,011 |
| Bank OZK | 802 North Broad Street Cairo, GA 39828 | Full Service B&M | $15,089 |
| Bank OZK | 8180 East Highway 16 Senoia, GA 30276 | Full Service B&M | $40,280 |
| Bank OZK | 8300 Douglas Avenue Dallas, TX 75225 | Full Service Retail | $566,641 |
| Bank OZK | 8375 Southwest State Road 200 Ocala, FL 34481 | Full Service B&M | $124,908 |
| Bank OZK | 8501 Phoenix Avenue Fort Smith, AR 72903 | Full Service B&M | $12,902 |
| Bank OZK | 8718 Highway 107 Sherwood, AR 72120 | Full Service B&M | $27,497 |
| Bank OZK | 8770 South Main Street Woodstock, GA 30188 | Full Service B&M | $47,315 |
| Bank OZK | 895 Iris Drive Conyers, GA 30013 | Full Service B&M | $42,870 |
| Bank OZK | 900 Atlantic Ave Bremen, GA 30110 | Full Service B&M | $85,493 |
| Bank OZK | 900 Woodstock Road Roswell, GA 30075 | Full Service B&M | $19,324 |
| Bank OZK | 9001 Belcher Road Pinellas Park, FL 33782 | Full Service B&M | $25,813 |
| Bank OZK | 9001 Hospital Drive Douglasville, GA 30134 | Full Service Retail | $21,158 |
| Bank OZK | 920 Level Grove Road Cornelia, GA 30531 | Full Service B&M | $71,763 |
| Bank OZK | 9360 The Landing Drive Douglasville, GA 30135 | Full Service B&M | $56,428 |
| Bank OZK | 94 West Athens Street Winder, GA 30680 | Full Service B&M | $170,207 |
| Bank OZK | 950 Joe Frank Harris Parkway, S.E. Cartersville, GA 30120 | Full Service B&M | $44,987 |
| Bank OZK | U.S. Highway 65 & State Highway 123 Western Grove, AR 72685 | Full Service B&M | $10,402 |
For 2019, Bank Ozk had 240 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $1,162,541 |
| Net interest income | $884,181 |
| Total noninterest income | $106,814 |
| Gross Fiduciary activities income | $7,554 |
| Service charges on deposit accounts | $25,484 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $73,776 |
| Pre-tax net operating income | $563,624 |
| Securities gains (or losses, -) | $713 |
| Income before extraordinary items | $425,908 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $425,908 |
| Minority interest net income | $2 |
| Net income | $425,906 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $425,344 |
Bank Ozk's gross interest income from loans was $1,162,541,000.
Bank Ozk's net interest income from loans was $884,181,000.
Bank Ozk's fee based income from loans was $25,484,000.
Bank Ozk's net income from loans was $425,906,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $278,360 |
| Provision for credit losses | $26,241 |
| Total noninterest expense | $401,130 |
| Salaries and employee benefits | $192,851 |
| Premises and equipment expense | $59,018 |
| Additional noninterest expense | $149,261 |
| Applicable income taxes | $138,429 |
| Net charge-offs | $19,981 |
| Cash dividends | $121,124 |
Bank Ozk's interest expense for loans was $278,360,000.
Bank Ozk's payroll and benefits expense were $192,851,000.
Bank Ozk's property, plant and equipment expenses $59,018,000.
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 | 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 | $18,474,259 |
| Deposits held in domestic offices | $18,474,259 |
| Deposits by Individuals, partnerships, and corporations | $14,433,647 |
| Deposits by U.S. Government | $14 |
| Deposits by States and political subdivisions in the U.S. | $3,782,414 |
| Deposits by Commercial banks and other depository institutions in U.S. | $258,184 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $871,196 |
| Demand deposits | $277,615 |
| Nontransaction accounts | $17,603,063 |
| Money market deposit accounts (MMDAs) | $5,067,765 |
| Other savings deposits (excluding MMDAs) | $5,163,898 |
| Total time deposits | $7,371,401 |
| Total time and savings deposits | $18,196,644 |
| Noninterest-bearing deposits | $2,795,251 |
| Interest-bearing deposits | $15,679,008 |
| Retail deposits | $14,506,276 |
| IRAs and Keogh plan accounts | $479,578 |
| Brokered deposits | $2,115,356 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $23,559,400 |
| Cash & Balances due from depository institutions | $1,495,757 |
| Interest-bearing balances | $1,354,952 |
| Total securities | $2,277,389 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $17,423,518 |
| Loan and leases loss allowance | $108,525 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $711,541 |
| Other real estate owned | $18,343 |
| Goodwill and other intangibles | $684,542 |
| All other assets | $948,310 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $23,559,400 |
| Total Liabilities | $19,405,932 |
| Total deposits | $18,474,259 |
| Interest-bearing deposits | $15,679,008 |
| Deposits held in domestic offices | $18,474,259 |
| % insured (estimated) | $68 |
| Federal funds purchased and repurchase agreements | $11,249 |
| Trading liabilities | $0 |
| Other borrowed funds | $415,906 |
| Subordinated debt | $343,579 |
| All other liabilities | $160,939 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $17,423,518 |
| Loan and leases loss allowance | $108,525 |
| Total loans and leases (domestic) | $17,532,043 |
| All real estate loans | $12,770,909 |
| Real estate loans in domestic offices | $12,770,909 |
| Construction and development loans | $6,391,430 |
| Residential 1-4 family construction | $2,172,690 |
| Other construction, all land development and other land | $4,218,740 |
| Loans secured by nonfarm nonresidential properties | $3,956,579 |
| Nonfarm nonresidential secured by owner-occupied properties | $850,308 |
| Commercial real estate & other non-farm, non-residential | $3,106,271 |
| Multifamily residential real estate | $1,194,192 |
| 1-4 family residential loans | $998,632 |
| Farmland loans | $230,076 |
| Loans held in foreign offices | $0 |
| Farm loans | $8,923 |
| Commercial and industrial loans | $661,951 |
| To non-U.S. addressees | $24,783 |
| Loans to individuals | $2,934,534 |
| Credit card loans | $0 |
| Related Plans | $4,635 |
| Consumer Auto Loans | $54,903 |
| Other loans to individuals | $2,874,996 |
| All other loans & leases | $1,155,726 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $1,086,018 |
| 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 | $44,927 |
| Restructured Loans & leases | $671 |
| Non 1-4 family restructured loans & leases | $15 |
| Total loans and leases (foreign) | $0 |
Bank OZK had $17,423,518,000 of loans outstanding in 2019. $12,770,909,000 of loans were in real estate loans. $6,391,430,000 of loans were in development loans. $1,194,192,000 of loans were in multifamily mortgage loans. $998,632,000 of loans were in 1-4 family mortgage loans. $8,923,000 of loans were in farm loans. $0 of loans were in credit card loans. $54,903,000 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 | 2,548 | $605,733 | $237,729 |
| Nonfarm, nonresidential loans - <$100k | 468 | $31,454 | $67,209 |
| Nonfarm, nonresidential loans - $100-250k | 767 | $80,242 | $104,618 |
| Nonfarm, nonresidential loans - $250k-1MM | 1,313 | $494,037 | $376,266 |
| Commercial & Industrial, US addressed loans - <$1MM | 3,171 | $140,998 | $44,465 |
| Commercial & Industrial, US addressed loans - <$100k | 2,583 | $46,818 | $18,125 |
| Commercial & Industrial, US addressed loans - $100-250k | 358 | $31,687 | $88,511 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 230 | $62,493 | $271,709 |
| Farmland loans - <$1MM | 346 | $32,340 | $93,468 |
| Farmland loans - <$100k | 173 | $6,088 | $35,191 |
| Farmland loans - $100-250k | 118 | $13,257 | $112,347 |
| Farmland loans - $250k-1MM | 55 | $12,995 | $236,273 |
| Agriculture operations loans - <$1MM | 168 | $6,630 | $39,464 |
| Agriculture operations loans - <$100k | 149 | $3,161 | $21,215 |
| Agriculture operations loans - $100-250k | 14 | $1,369 | $97,786 |
| Agriculture operations loans - $250k-1MM | 5 | $2,100 | $420,000 |