BANK OZK

LITTLE ROCK, AR · Supervised by FDIC

Est. 1903FDIC #110RSSD: FDIC-110

Satisfactory Same

Current rating · Exam: March 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.59%

Institution Profile

FDIC BankFind

Website

www.ozk.com

Address

18000 Cantrell Rd, LITTLE ROCK, AR

County

Pulaski County

Established

March 3, 1903

Total Assets

$41.7B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2023

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$41.7B

Total Deposits

$33.8B

Net Loans

$32.5B

Net Income

$163M

ROA

1.59%

Above avg for Regional banks. Peer avg: 0.88%

ROE

10.64%

Risk-Based Capital

14.63%

Below avg for Regional banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

ROA1.59%Peer avg: 0.88%▲ Above avg

Risk-Based Capital14.63%Peer avg: 30.04%▼ Below avg

Mortgage Denial Rate39.32%Peer avg: 26.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

242

Branch Deposits

$33.5B

1-Year Change

+12

5-year net change: +3 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	3,990	46.12%	39.32%
2023	1,889	45.37%	41.40%
2022	2,281	52.3%	35.03%
2021	2,658	51.39%	34.01%
2020	3,174	48.87%	34.15%
2019	3,485	46.08%	40.60%
2018	3,321	48.54%	37.88%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Mar 2023	Satisfactory	Large Bank
Feb 2020	Satisfactory	Large Bank
Aug 2016	Satisfactory	Large Bank

8 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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