Bank OZK Overview
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