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
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
Cash & Equivalents	2,834	2,781	2,150	1,033	2,054
Investment Securities	2,610	1,580	2,070	1,943	1,699
Trading Asset Securities	-	-	-	8.82	14.96
Mortgage-Backed Securities	-	1,256	1,174	1,549	2,217
Total Investments	2,610	2,836	3,244	3,500	3,932
Gross Loans	32,318	29,969	26,459	20,786	18,319
Allowance for Loan Losses	-475.72	-465.55	-339.39	-208.86	-217.38
Other Adjustments to Gross Loans	-	-	-	-6.92	-11.45
Net Loans	31,842	29,503	26,120	20,570	18,090
Property, Plant & Equipment	922	739.11	676.82	678.41	695.86
Goodwill	660.79	660.79	660.79	660.79	660.79
Other Intangible Assets	-	-	-	2.75	8.27
Accrued Interest Receivable	171.58	174.03	170.11	125.13	83.03
Other Real Estate Owned & Foreclosed	61.08	69.38	61.72	6.62	5.74
Other Long-Term Assets	1,670	1,455	1,104	1,037	959.99
Total Assets	40,786	38,259	34,237	27,657	26,530
Interest Bearing Deposits	29,552	22,416	19,339	15,302	13,575
Institutional Deposits	-	4,857	3,970	1,540	1,650
Non-Interest Bearing Deposits	3,833	3,770	4,096	4,658	4,984
Total Deposits	33,385	31,043	27,405	21,500	20,209
Short-Term Borrowings	-	420	800	600	-
Current Portion of Long-Term Debt	0.54	0.81	5.32	6.67	-
Current Portion of Leases	-	7.81	-	-	-
Current Income Taxes Payable	-	-	42.5	32.2	11.2
Accrued Interest Payable	651.32	408.75	143.37	145.16	111.54
Long-Term Debt	349.39	348.58	347.76	346.95	1,102
Long-Term Leases	-	56.17	69.9	56.5	64.1
Trust Preferred Securities	113.65	113.65	121.65	121.59	121.03
Other Long-Term Liabilities	156.13	153.81	161.83	156.42	71.61
Total Liabilities	34,656	32,553	29,097	22,966	21,691
Preferred Stock, Redeemable	338.98	338.98	338.98	338.98	338.98
Common Stock	1.1	1.14	1.13	1.17	1.25
Additional Paid-In Capital	1,497	1,626	1,612	1,754	2,094
Retained Earnings	4,317	3,816	3,284	2,773	2,378
Comprehensive Income & Other	-24.86	-76.14	-97.37	-177.65	23.84
Total Common Equity	5,791	5,367	4,800	4,351	4,497
Minority Interest	-	0.57	0.98	1.36	3.12
Shareholders' Equity	6,130	5,706	5,140	4,691	4,839
Total Liabilities & Equity	40,786	38,259	34,237	27,657	26,530
Total Debt	463.58	947.03	1,345	1,132	1,288
Net Cash (Debt)	2,370	1,834	804.9	-89.43	781.2
Net Cash Growth	29.23%	127.86%	-	-	-35.84%
Net Cash Per Share	20.93	16.09	7.01	-0.74	6.03
Filing Date Shares Outstanding	110.38	113.6	113.05	117.05	124.64
Total Common Shares Outstanding	110.38	113.46	113.15	117.18	125.44
Book Value Per Share	52.46	47.30	42.42	37.13	35.85
Tangible Book Value	5,130	4,706	4,139	3,687	3,828
Tangible Book Value Per Share	46.48	41.48	36.58	31.47	30.52

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