Bank OZK Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2016 - 2020
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	2016 - 2020
Cash & Equivalents	2,834	2,781	2,150	1,033	2,054	Upgrade
Investment Securities	2,610	1,580	2,070	1,943	1,699	Upgrade
Trading Asset Securities	-	-	-	8.82	14.96	Upgrade
Mortgage-Backed Securities	-	1,256	1,174	1,549	2,217	Upgrade
Total Investments	2,610	2,836	3,244	3,500	3,932	Upgrade
Gross Loans	32,318	29,969	26,459	20,786	18,319	Upgrade
Allowance for Loan Losses	-475.72	-465.55	-339.39	-208.86	-217.38	Upgrade
Other Adjustments to Gross Loans	-	-	-	-6.92	-11.45	Upgrade
Net Loans	31,842	29,503	26,120	20,570	18,090	Upgrade
Property, Plant & Equipment	922	739.11	676.82	678.41	695.86	Upgrade
Goodwill	660.79	660.79	660.79	660.79	660.79	Upgrade
Other Intangible Assets	-	-	-	2.75	8.27	Upgrade
Accrued Interest Receivable	171.58	174.03	170.11	125.13	83.03	Upgrade
Other Real Estate Owned & Foreclosed	61.08	69.38	61.72	6.62	5.74	Upgrade
Other Long-Term Assets	1,670	1,455	1,104	1,037	959.99	Upgrade
Total Assets	40,786	38,259	34,237	27,657	26,530	Upgrade
Interest Bearing Deposits	29,552	22,416	19,339	15,302	13,575	Upgrade
Institutional Deposits	-	4,857	3,970	1,540	1,650	Upgrade
Non-Interest Bearing Deposits	3,833	3,770	4,096	4,658	4,984	Upgrade
Total Deposits	33,385	31,043	27,405	21,500	20,209	Upgrade
Short-Term Borrowings	-	420	800	600	-	Upgrade
Current Portion of Long-Term Debt	0.54	0.81	5.32	6.67	-	Upgrade
Current Portion of Leases	-	7.81	-	-	-	Upgrade
Current Income Taxes Payable	-	-	42.5	32.2	11.2	Upgrade
Accrued Interest Payable	651.32	408.75	143.37	145.16	111.54	Upgrade
Long-Term Debt	349.39	348.58	347.76	346.95	1,102	Upgrade
Long-Term Leases	-	56.17	69.9	56.5	64.1	Upgrade
Trust Preferred Securities	113.65	113.65	121.65	121.59	121.03	Upgrade
Other Long-Term Liabilities	156.13	153.81	161.83	156.42	71.61	Upgrade
Total Liabilities	34,656	32,553	29,097	22,966	21,691	Upgrade
Preferred Stock, Redeemable	338.98	338.98	338.98	338.98	338.98	Upgrade
Common Stock	1.1	1.14	1.13	1.17	1.25	Upgrade
Additional Paid-In Capital	1,497	1,626	1,612	1,754	2,094	Upgrade
Retained Earnings	4,317	3,816	3,284	2,773	2,378	Upgrade
Comprehensive Income & Other	-24.86	-76.14	-97.37	-177.65	23.84	Upgrade
Total Common Equity	5,791	5,367	4,800	4,351	4,497	Upgrade
Minority Interest	-	0.57	0.98	1.36	3.12	Upgrade
Shareholders' Equity	6,130	5,706	5,140	4,691	4,839	Upgrade
Total Liabilities & Equity	40,786	38,259	34,237	27,657	26,530	Upgrade
Total Debt	463.58	947.03	1,345	1,132	1,288	Upgrade
Net Cash (Debt)	2,370	1,834	804.9	-89.43	781.2	Upgrade
Net Cash Growth	29.23%	127.86%	-	-	-35.84%	Upgrade
Net Cash Per Share	20.95	16.09	7.01	-0.74	6.03	Upgrade
Filing Date Shares Outstanding	110.38	113.6	113.05	117.05	124.64	Upgrade
Total Common Shares Outstanding	110.38	113.46	113.15	117.18	125.44	Upgrade
Book Value Per Share	52.46	47.30	42.42	37.13	35.85	Upgrade
Tangible Book Value	5,130	4,706	4,139	3,687	3,828	Upgrade
Tangible Book Value Per Share	46.48	41.48	36.58	31.47	30.52	Upgrade

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