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  "slug": "bank-ozk",
  "name": "Bank OZK",
  "updatedAt": "2026-10-02T16:43:28.473478Z",
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    {
      "type": "OVERVIEW",
      "text": "Bank OZK is a full-service, Arkansas-chartered bank headquartered in Little Rock, founded in 1903. Its banking and financial services include retail and commercial lending, deposit accounts, treasury management, trust and wealth services, and digital banking. [P165929227][P165929228]\n\nThe bank operates across Arkansas, Georgia, Florida, Texas, North Carolina, Tennessee, New York, California and Mississippi, with additional nationwide lending activities and no foreign operations. [P165929227][P165929228] Its stated mission emphasizes long-term shareholder returns, strong customer experiences, and a culture of continuous improvement and efficiency. [P165929230] For 2025, Bank OZK reported $40.79 billion in assets and $1.59 billion in net interest income; its company website describes a workforce of more than 3,200 employees, without dating that figure. [P165929227][https://www.ozk.com/about/]\n[P165929227][P165929228][P165929230][https://www.ozk.com/about/]",
      "updatedAt": "2026-10-02T16:43:28.473478Z"
    },
    {
      "type": "PRODUCTS",
      "text": "Bank OZK offers commercial real estate and construction financing for investment, expansion, renovation, remodeling and construction, as well as land loans. Its commercial and institutional banking services include sponsor and fund finance, natural-resources lending, lender and equipment finance, asset-based lending, loan syndications, revolvers, term loans, subscription and NAV lending, interest-rate hedging, corporate trust, treasury management and deposits. Business treasury capabilities include online wire and ACH payments, remote deposit capture, Positive Pay and ACH Positive Pay, and zero- or target-balance and credit-line sweeps. [https://www.ozk.com/business/lending/][https://www.ozk.com/business/specialties/][https://www.ozk.com/landing/corporate-institutional-banking/][https://www.ozk.com/business/treasury-management/]\n\nDeposit products include noninterest-bearing and interest-bearing transaction accounts, business sweep accounts, savings, money-market and time deposits, including IRAs; reciprocal deposit placements are also available to customers seeking FDIC insurance above the standard limit. Consumer offerings include checking and savings accounts, CDs, personal online and mobile banking, fixed-rate and adjustable-rate home loans, refinancing, and home-equity lines of credit. Trust and wealth services include trust administration, estate services, financial and retirement planning, investment management, custodial banking, employee benefit plans, endowments and charitable giving. [P165929255][https://www.ozk.com/personal/checking-accounts/][https://www.ozk.com/personal/savings/][https://www.ozk.com/personal/home-lending/home-loans/][https://www.ozk.com/personal/home-lending/heloc/][https://www.ozk.com/trust-wealth/][https://www.ozk.com/trust-wealth/wealth/]\n\nAt year-end 2025, real estate loans were $21.8 billion, or 67.6% of total loans: construction and land development represented 24.1%, other commercial real estate 26.0%, multifamily 11.4%, and residential 1–4 family 5.1%. Consumer loans were 13.2% of total loans, commercial and industrial loans 10.6%, and agricultural loans 1.0%. Loan interest income was $2.475 billion in FY2025; the company reports one operating segment, rather than separate product-level profit contributions. [T19367377][T19367407][P165929912]\n[P165929255][P165929912][T19367377][T19367407][https://www.ozk.com/business/lending/][https://www.ozk.com/business/specialties/][https://www.ozk.com/landing/corporate-institutional-banking/][https://www.ozk.com/business/treasury-management/][https://www.ozk.com/personal/checking-accounts/][https://www.ozk.com/personal/savings/][https://www.ozk.com/personal/home-lending/home-loans/][https://www.ozk.com/personal/home-lending/heloc/][https://www.ozk.com/trust-wealth/][https://www.ozk.com/trust-wealth/wealth/][https://www.ozk.com/business/lending/][https://www.ozk.com/business/specialties/][https://www.ozk.com/landing/corporate-institutional-banking/][https://www.ozk.com/business/treasury-management/][https://www.ozk.com/personal/checking-accounts/][https://www.ozk.com/personal/savings/][https://www.ozk.com/personal/home-lending/home-loans/][https://www.ozk.com/personal/home-lending/heloc/][https://www.ozk.com/trust-wealth/][https://www.ozk.com/trust-wealth/wealth/]",
      "updatedAt": "2026-10-02T16:43:28.473478Z"
    },
    {
      "type": "GEOGRAPHY",
      "text": "At December 31, 2025, Bank OZK operated 265 offices across Arkansas, Georgia, Florida, Texas, North Carolina, Tennessee, New York, California, and Mississippi. Its headquarters are in Little Rock, Arkansas. [P165929227] The 2025 year-end office count is the latest state-by-state footprint identified; the Q2 2026 filing reports branch openings and a relocation during the first half of 2026 but does not give an updated state breakdown. [P165934936]\n\nThe company reported 3,280 full-time-equivalent employees at December 31, 2025, but did not identify their distribution by location. [P165929610] Its filings describe certain real-estate and indirect RV and marine lending activities as nationwide; the reviewed materials do not provide revenue, loans, or deposits by state or region. [P165929233]\n[P165929227][P165934936][P165929610][P165929233]",
      "updatedAt": "2026-10-02T16:43:28.473478Z"
    },
    {
      "type": "SEGMENTS",
      "text": "Bank OZK reports one operating segment: its broad banking business. The latest available 2026 interim filing and the FY2025 annual filing state that it operates in only one segment; consequently, the company does not report separate GAAP segment names, revenues, or contribution percentages. RESG, CIB, Community Banking, and Indirect Consumer Lending are described as business groups or lending activities, not separate reportable segments. [P165934772][P165929912]\n\nThe banking business encompasses lending and deposit products. Described activities include RESG’s construction, land-development, and commercial real-estate lending; CIB lending and services; Community Banking; and nationwide recreational-vehicle and marine lending. Because the company reports only one segment, that segment represents 100% of consolidated operations, though the filings do not provide a separate segment-revenue allocation. FY2025 consolidated net interest income was $1,592.160 million, non-interest income was $135.697 million, and net income was $715.459 million. [P165929872][P165929233][T19367407]\n[P165934772][P165929912][P165929872][P165929233][T19367407][T19367407][T19367407][https://ir.ozk.com/filings/documents/][https://ir.ozk.com/filings/annual-reports]",
      "updatedAt": "2026-10-02T16:43:28.473478Z"
    },
    {
      "type": "HISTORY",
      "text": "Bank OZK traces its origins to a community bank established in Jasper, Arkansas, in 1903. In 1979, George Gleason purchased the two-branch Bank of Ozark, beginning the modern era of the company; he has served in senior leadership roles since then. The bank moved its headquarters to Little Rock in 1995 and opened a loan-production office in Charlotte in 2001, marking an early step in its expansion beyond Arkansas. [https://www.ozk.com/about/] [P165929286] [https://static.ozk.com/assets/cra/cra-performance_evaluation.pdf] [P165929289]\n\nFrom 2010 through 2016, the bank completed 15 acquisitions, including FDIC-assisted transactions and traditional mergers. Notable deals included Intervest Bancshares, completed in 2015, and Community & Southern Holdings, completed in 2016; the latter was described as the bank’s largest acquisition at the time. [P165929798] [https://ir.ozk.com/m-a] [https://www.ozk.com/static/docs/bank_of_the_ozarks_closes_cs_holdings_merger_07202016.pdf] In 2018, Bank of the Ozarks adopted the name Bank OZK and the OZK ticker. [https://www.businesswire.com/news/home/20180315006211/en/Bank-Ozarks-Announces-Proposed-Rebranding-Change-Bank] [https://www.tmcnet.com/usubmit/-bank-ozk-celebrate-new-name-ticker-logo-nasdaq-/2018/07/16/8786513.htm]",
      "updatedAt": "2026-10-02T16:43:28.473478Z"
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