Bank OZK (OZK)
NASDAQ: OZK · Real-Time Price · USD
51.80
+0.72 (1.41%)
At close: Nov 4, 2026, 4:00 PM EST
51.06
-0.74 (-1.43%)
After-hours: Nov 4, 2026, 7:30 PM EST
Bank OZK Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 | 1,151 | 2,834 | 2,781 | 2,150 | 1,033 | 2,054 |
Investment Securities | 4,355 | 2,157 | 1,580 | 2,070 | 1,943 | 1,699 |
Trading Asset Securities | - | - | - | - | 8.82 | 14.96 |
Mortgage-Backed Securities | - | 1,106 | 1,256 | 1,174 | 1,549 | 2,217 |
Total Investments | 4,355 | 3,263 | 2,836 | 3,244 | 3,500 | 3,932 |
Gross Loans | 34,135 | 32,318 | 29,969 | 26,459 | 20,786 | 18,319 |
Allowance for Loan Losses | -469.86 | -475.72 | -465.55 | -339.39 | -208.86 | -217.38 |
Other Adjustments to Gross Loans | - | - | - | - | -6.92 | -11.45 |
Net Loans | 33,665 | 31,842 | 29,503 | 26,120 | 20,570 | 18,090 |
Property, Plant & Equipment | 984.45 | 922 | 739.11 | 676.82 | 678.41 | 695.86 |
Goodwill | 660.79 | 660.79 | 660.79 | 660.79 | 660.79 | 660.79 |
Other Intangible Assets | - | - | - | - | 2.75 | 8.27 |
Accrued Interest Receivable | 192.58 | 171.58 | 174.03 | 170.11 | 125.13 | 83.03 |
Other Receivables | - | 72.6 | 39.3 | - | - | - |
Other Real Estate Owned & Foreclosed | 420.41 | 61.08 | 69.38 | 61.72 | 6.62 | 5.74 |
Other Long-Term Assets | 1,724 | 944.14 | 1,416 | 1,104 | 1,037 | 959.99 |
Total Assets | 43,189 | 40,786 | 38,259 | 34,237 | 27,657 | 26,530 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 Bearing Deposits | 30,884 | 23,885 | 22,416 | 19,339 | 15,302 | 13,575 |
Institutional Deposits | - | 5,667 | 4,857 | 3,970 | 1,540 | 1,650 |
Non-Interest Bearing Deposits | 3,944 | 3,833 | 3,770 | 4,096 | 4,658 | 4,984 |
Total Deposits | 34,828 | 33,385 | 31,043 | 27,405 | 21,500 | 20,209 |
Short-Term Borrowings | - | - | 420 | 800 | 600 | - |
Current Portion of Long-Term Debt | 750 | 0.54 | 0.81 | 5.32 | 6.67 | - |
Current Portion of Leases | - | 13.45 | - | - | - | - |
Current Income Taxes Payable | - | - | - | 42.5 | 32.2 | 11.2 |
Accrued Interest Payable | 848.35 | 478.62 | 408.73 | 143.37 | 145.16 | 111.54 |
Long-Term Debt | 350 | 349.39 | 348.58 | 347.76 | 346.95 | 1,102 |
Long-Term Leases | - | 159.25 | 64 | 69.9 | 56.5 | 64.1 |
Trust Preferred Securities | 113.4 | 113.65 | 113.65 | 121.65 | 121.59 | 121.03 |
Other Long-Term Liabilities | 151.26 | 156.13 | 153.81 | 161.83 | 156.42 | 71.61 |
Total Liabilities | 37,041 | 34,656 | 32,553 | 29,097 | 22,966 | 21,691 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Preferred Stock, Redeemable | 338.98 | 338.98 | 338.98 | 338.98 | 338.98 | 338.98 |
Common Stock | 1.08 | 1.1 | 1.14 | 1.13 | 1.17 | 1.25 |
Additional Paid-In Capital | 1,401 | 1,497 | 1,626 | 1,612 | 1,754 | 2,094 |
Retained Earnings | 4,649 | 4,317 | 3,816 | 3,284 | 2,773 | 2,378 |
Comprehensive Income & Other | -241.39 | -24.86 | -76.14 | -97.37 | -177.65 | 23.84 |
Total Common Equity | 5,809 | 5,791 | 5,367 | 4,800 | 4,351 | 4,497 |
Minority Interest | - | - | 0.57 | 0.98 | 1.36 | 3.12 |
Shareholders' Equity | 6,148 | 6,130 | 5,706 | 5,140 | 4,691 | 4,839 |
Total Liabilities & Equity | 43,189 | 40,786 | 38,259 | 34,237 | 27,657 | 26,530 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Total Debt | 1,213 | 636.28 | 947.04 | 1,345 | 1,132 | 1,288 |
Net Cash (Debt) | -62.61 | 2,198 | 1,834 | 804.9 | -89.43 | 781.2 |
Net Cash Growth | - | 19.82% | 127.86% | - | - | -35.84% |
Net Cash Per Share | -0.57 | 19.41 | 16.09 | 7.01 | -0.74 | 6.03 |
Filing Date Shares Outstanding | 108.4 | 110.39 | 113.6 | 113.05 | 117.05 | 124.64 |
Total Common Shares Outstanding | 108.4 | 110.38 | 113.46 | 113.15 | 117.18 | 125.44 |
Book Value Per Share | 53.59 | 52.46 | 47.30 | 42.42 | 37.13 | 35.85 |
Tangible Book Value | 5,149 | 5,130 | 4,706 | 4,139 | 3,687 | 3,828 |
Tangible Book Value Per Share | 47.50 | 46.48 | 41.48 | 36.58 | 31.47 | 30.52 |