Bank OZK Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Cash & Equivalents	3,121	2,781	2,150	1,033	2,054	2,394	Upgrade
Investment Securities	2,760	1,580	2,070	1,943	1,699	1,808	Upgrade
Trading Asset Securities	-	-	-	8.82	14.96	-	Upgrade
Mortgage-Backed Securities	-	1,256	1,174	1,549	2,217	1,598	Upgrade
Total Investments	2,760	2,836	3,244	3,500	3,932	3,405	Upgrade
Gross Loans	32,846	29,969	26,459	20,786	18,319	19,228	Upgrade
Allowance for Loan Losses	-532.34	-465.55	-339.39	-208.86	-217.38	-295.82	Upgrade
Other Adjustments to Gross Loans	-	-	-	-6.92	-11.45	-18.63	Upgrade
Net Loans	32,314	29,503	26,120	20,570	18,090	18,913	Upgrade
Property, Plant & Equipment	890.43	739.11	676.82	678.41	695.86	738.84	Upgrade
Goodwill	660.79	660.79	660.79	660.79	660.79	660.79	Upgrade
Other Intangible Assets	-	-	-	2.75	8.27	14.67	Upgrade
Accrued Interest Receivable	178.31	174.03	170.11	125.13	83.03	88.08	Upgrade
Other Real Estate Owned & Foreclosed	78.58	69.38	61.72	6.62	5.74	11.09	Upgrade
Other Long-Term Assets	1,575	1,455	1,104	1,037	959.99	898.29	Upgrade
Total Assets	41,607	38,259	34,237	27,657	26,530	27,163	Upgrade
Interest Bearing Deposits	30,082	22,416	19,339	15,302	13,575	11,237	Upgrade
Institutional Deposits	-	4,857	3,970	1,540	1,650	6,217	Upgrade
Non-Interest Bearing Deposits	3,902	3,770	4,096	4,658	4,984	3,997	Upgrade
Total Deposits	33,985	31,043	27,405	21,500	20,209	21,450	Upgrade
Short-Term Borrowings	-	420	800	600	-	8.01	Upgrade
Current Portion of Long-Term Debt	300.55	0.81	5.32	6.67	-	-	Upgrade
Current Portion of Leases	-	7.81	-	-	-	-	Upgrade
Current Income Taxes Payable	-	-	42.5	32.2	11.2	3.2	Upgrade
Accrued Interest Payable	617.37	408.75	143.37	145.16	111.54	176.04	Upgrade
Long-Term Debt	349.18	348.58	347.76	346.95	1,102	224.05	Upgrade
Federal Home Loan Bank Debt, Long-Term	-	-	-	-	-	750.93	Upgrade
Long-Term Leases	-	56.17	69.9	56.5	64.1	72.7	Upgrade
Trust Preferred Securities	113.65	113.65	121.65	121.59	121.03	120.48	Upgrade
Other Long-Term Liabilities	147.26	153.81	161.83	156.42	71.61	81.48	Upgrade
Total Liabilities	35,513	32,553	29,097	22,966	21,691	22,887	Upgrade
Preferred Stock, Redeemable	338.98	338.98	338.98	338.98	338.98	-	Upgrade
Common Stock	1.13	1.14	1.13	1.17	1.25	1.29	Upgrade
Additional Paid-In Capital	1,593	1,626	1,612	1,754	2,094	2,266	Upgrade
Retained Earnings	4,197	3,816	3,284	2,773	2,378	1,947	Upgrade
Comprehensive Income & Other	-36.01	-76.14	-97.37	-177.65	23.84	58.25	Upgrade
Total Common Equity	5,754	5,367	4,800	4,351	4,497	4,272	Upgrade
Minority Interest	0.2	0.57	0.98	1.36	3.12	3.09	Upgrade
Shareholders' Equity	6,094	5,706	5,140	4,691	4,839	4,275	Upgrade
Total Liabilities & Equity	41,607	38,259	34,237	27,657	26,530	27,163	Upgrade
Total Debt	763.39	947.03	1,345	1,132	1,288	1,176	Upgrade
Net Cash (Debt)	2,358	1,834	804.9	-89.43	781.2	1,217	Upgrade
Net Cash Growth	14.57%	127.86%	-	-	-35.84%	54.20%	Upgrade
Net Cash Per Share	20.73	16.09	7.01	-0.74	6.03	9.41	Upgrade
Filing Date Shares Outstanding	112.63	113.6	113.05	117.05	124.64	129.3	Upgrade
Total Common Shares Outstanding	112.63	113.46	113.15	117.18	125.44	129.35	Upgrade
Book Value Per Share	51.09	47.30	42.42	37.13	35.85	33.03	Upgrade
Tangible Book Value	5,094	4,706	4,139	3,687	3,828	3,597	Upgrade
Tangible Book Value Per Share	45.23	41.48	36.58	31.47	30.52	27.81	Upgrade

Source: S&P Global Market Intelligence. Banks template. Financial Sources.