Bank OZK Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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 Income on Loans	2,432	2,475	2,459	1,992	1,190	1,019
Interest Income on Investments	197.75	195.22	191.03	136.63	76.3	52.47
Total Interest Income	2,630	2,670	2,650	2,128	1,266	1,071
Interest Paid on Deposits	1,006	1,049	1,085	627.05	94.57	64.42
Interest Paid on Borrowings	24.97	29.17	31	61.64	29.25	17.17
Total Interest Expense	1,031	1,078	1,116	688.69	123.83	81.59
Net Interest Income	1,599	1,592	1,534	1,439	1,142	989.72
Net Interest Income Growth	3.80%	3.81%	6.55%	26.02%	15.41%	11.38%
Trust Income	0.62	-	-	-	7.99	8.51
Gain (Loss) on Sale of Assets	0.49	-	-	-	11.47	9.96
Gain (Loss) on Sale of Investments	-	-	-	-27.77	-18.27	-14.57
Other Non-Interest Income	93.76	91.4	81.08	76.5	46.39	51.92
Total Non-Interest Income	140.09	135.7	124.41	94.78	93.4	98.43
Non-Interest Income Growth	5.68%	9.07%	31.26%	1.47%	-5.11%	2.83%
Revenues Before Loan Losses	1,739	1,728	1,658	1,534	1,236	1,088
Provision for Loan Losses	186.43	172.51	175.55	165.47	83.49	-77.94
Revenue	1,552	1,555	1,483	1,369	1,152	1,166
Revenue Growth	2.44%	4.91%	8.31%	18.80%	-1.20%	49.36%
Salaries and Employee Benefits	342.94	322.92	275.34	241.41	213.17	198.56
Occupancy Expenses	74.39	65.28	60.38	61.99	59.96	56.4
Selling, General & Administrative	56.65	57.95	52.55	44.18	32.1	29.18
Other Non-Interest Expense	182.17	174.91	163.03	154.21	126.2	131.06
Total Non-Interest Expense	656.14	621.07	551.29	501.79	431.43	415.2
EBT Excluding Unusual Items	896.13	934.27	931.29	867	720.72	750.89
Pretax Income	896.13	934.27	931.29	867	721.53	752.92
Income Tax Expense	204.91	218.81	214.79	176.16	157.44	173.89
Earnings From Continuing Operations	691.22	715.46	716.5	690.84	564.09	579.03
Minority Interest in Earnings	0.06	0.02	-0.05	-0.06	0.05	-0.03
Net Income	691.28	715.48	716.46	690.78	564.14	579
Preferred Dividends & Other Adjustments	16.19	16.19	16.19	16.19	16.62	-
Net Income to Common	675.09	699.29	700.27	674.6	547.52	579
Net Income Growth	-3.85%	-0.14%	3.81%	23.21%	-5.44%	98.36%
Basic Shares Outstanding	111	113	114	114	120	129
Diluted Shares Outstanding	111	113	114	115	121	130
Shares Change	-2.16%	-0.69%	-0.71%	-4.86%	-6.88%	0.14%
EPS (Basic)	6.08	6.20	6.16	5.89	4.55	4.49
EPS (Diluted)	6.06	6.18	6.14	5.87	4.54	4.47
EPS Growth	-1.58%	0.65%	4.60%	29.29%	1.57%	98.03%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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
Dividend Per Share	1.820	1.740	1.580	1.420	1.260	1.133
Dividend Growth	9.64%	10.13%	11.27%	12.70%	11.26%	5.10%
Effective Tax Rate	22.87%	23.42%	23.06%	20.32%	21.82%	23.09%

SEC Filings: 10-K · 10-Q