Bank OZK: Business Overview, Financials & Competitive Analysis
Bank OZK scores 6/10 on the AskCyborg Cyborg Score (Solid). Solid regional bank with record net interest income, diversified geographic presence, and strong deposit/loan growth offsetting near-term credit cycle pressures. Bank OZK delivered flat full-year 2025 earnings with strong loan and deposit growth plus record net interest income, with management targeting record EPS in 2026. However, credit concerns remain with.
What is Bank OZK's industry? Bank OZK (ozk.com) operates in Regional Banking / Financial Services. AskCyborg classifies Bank OZK under Regional Banking / Financial Services in its company registry.
Bank OZK delivers a diversified suite of banking and wealth management services to clients across multiple U.S. states. Full-year 2025 earnings of $699.3 million were essentially flat versus 2024, while loans grew 7.8...
Cyborg Score thesis
Solid regional bank with record net interest income, diversified geographic presence, and strong deposit/loan growth offsetting...
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Pro stress-test →Bank OZK delivers a diversified suite of banking and wealth management services to clients across multiple U.S. states. Full-year 2025 earnings of $699.3 million were essentially flat versus 2024, while loans grew 7.8% and deposits climbed 7.5%, with net interest income reaching a record $1.59 billion. The bank is positioning for growth in 2026 with strong operational momentum.
Strategic Profile
Pro stress-test →The bank operates offices in Arkansas, Georgia, Florida, North Carolina, Texas, California, New York and Mississippi. It offers a broad suite of retail and commercial banking products including deposits, real estate and business loans, trust and wealth management, and treasury management services, serving individual consumers, small and medium-sized businesses, and commercial real estate clients. Management is targeting another record EPS year in 2026 despite a moderating credit environment.
Competitive Landscape
Pro stress-test →Bank OZK competes as a mid-sized regional bank against larger national players like JPMorgan Chase and Bank of America, as well as regional competitors. As of February 10, 2026, shares of Bank OZK were priced at $50.55, up 2.43% over the past year and underperforming the S&P 500 by 12.0 percentage points. The bank differentiates through specialized lending (aviation, subscription financing) and community banking focus.
Industry Context
Bank OZK operates in Regional Banking / Financial Services.
Key facts
Founded: 1903 · Headquarters: Little Rock, Arkansas · Employees: 3,280 · Revenue: $1.56B · Market cap: $5.5B