Bank OZK Income Statement

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
Interest Income on Loans	2,475	2,459	1,992	1,190	1,019
Interest Income on Investments	195.22	191.03	136.63	76.3	52.47
Total Interest Income	2,670	2,650	2,128	1,266	1,071
Interest Paid on Deposits	1,049	1,085	627.05	94.57	64.42
Interest Paid on Borrowings	29.17	31	61.64	29.25	17.17
Total Interest Expense	1,078	1,116	688.69	123.83	81.59
Net Interest Income	1,592	1,534	1,439	1,142	989.72
Net Interest Income Growth (YoY)	3.81%	6.55%	26.02%	15.41%	11.38%
Trust Income	-	9.57	8.52	7.99	8.51
Gain (Loss) on Sale of Assets	-	3.42	9.03	11.47	9.96
Gain (Loss) on Sale of Investments	-	0.56	-24.53	-18.27	-14.57
Other Non-Interest Income	91.4	66.19	52.73	46.39	51.92
Total Non-Interest Income	135.7	123.07	91.82	93.4	98.43
Non-Interest Income Growth (YoY)	10.26%	34.04%	-1.70%	-5.11%	2.83%
Revenues Before Loan Losses	1,728	1,657	1,531	1,236	1,088
Provision for Loan Losses	172.51	175.55	165.47	83.49	-77.94
Revenue	1,555	1,481	1,366	1,152	1,166
Revenue Growth (YoY)	5.00%	8.45%	18.55%	-1.20%	49.36%
Salaries and Employee Benefits	346.07	275.34	241.41	213.17	198.56
Occupancy Expenses	79.78	60.38	61.99	59.96	56.4
Selling, General & Administrative	20.31	52.55	44.18	32.1	29.18
Other Non-Interest Expense	174.91	163.03	154.21	126.2	131.06
Total Non-Interest Expense	621.07	551.29	501.79	431.43	415.2
EBT Excluding Unusual Items	934.27	929.95	864.04	720.72	750.89
Pretax Income	934.27	931.29	867	721.53	752.92
Income Tax Expense	218.81	214.79	176.16	157.44	173.89
Earnings From Continuing Operations	715.46	716.5	690.84	564.09	579.03
Minority Interest in Earnings	0.02	-0.05	-0.06	0.05	-0.03
Net Income	715.48	716.46	690.78	564.14	579
Preferred Dividends & Other Adjustments	16.19	16.19	16.19	16.62	-
Net Income to Common	699.29	700.27	674.6	547.52	579
Net Income Growth	-0.14%	3.72%	22.45%	-2.57%	98.36%
Basic Shares Outstanding	113	114	114	120	129
Diluted Shares Outstanding	113	114	115	121	130
Shares Change (YoY)	-0.69%	-0.71%	-4.86%	-6.88%	0.14%
EPS (Basic)	6.20	6.16	5.89	4.55	4.49
EPS (Diluted)	6.18	6.14	5.87	4.54	4.47
EPS Growth	0.65%	4.60%	29.29%	1.57%	98.03%
Dividend Per Share	1.740	1.580	1.420	1.260	1.133
Dividend Growth	10.13%	11.27%	12.70%	11.26%	5.10%
Effective Tax Rate	23.42%	23.06%	20.32%	21.82%	23.09%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q