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	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 Income on Loans	2,394	2,475	2,459	1,992	1,190	1,019
Interest Income on Investments	199.1	195.22	191.03	136.63	76.3	52.47
Total Interest Income	2,593	2,670	2,650	2,128	1,266	1,071
Interest Paid on Deposits	983.27	1,049	1,085	627.05	94.57	64.42
Interest Paid on Borrowings	22.15	29.17	31	61.64	29.25	17.17
Total Interest Expense	1,005	1,078	1,116	688.69	123.83	81.59
Net Interest Income	1,588	1,592	1,534	1,439	1,142	989.72
Net Interest Income Growth	1.49%	3.81%	6.55%	26.02%	15.41%	11.38%
Trust Income	-	-	-	-	7.99	8.51
Gain (Loss) on Sale of Assets	-	-	-	-	11.47	9.96
Gain (Loss) on Sale of Investments	-	-	-	-27.77	-18.27	-14.57
Other Non-Interest Income	94.74	91.4	81.08	76.5	46.39	51.92
Total Non-Interest Income	140.26	135.7	124.41	94.78	93.4	98.43
Non-Interest Income Growth	4.92%	9.07%	31.26%	1.47%	-5.11%	2.83%
Revenues Before Loan Losses	1,728	1,728	1,658	1,534	1,236	1,088
Provision for Loan Losses	185.88	172.51	175.55	165.47	83.49	-77.94
Revenue	1,542	1,555	1,483	1,369	1,152	1,166
Revenue Growth	0.20%	4.91%	8.31%	18.80%	-1.20%	49.36%
Salaries and Employee Benefits	345.47	322.92	275.34	241.41	213.17	198.56
Occupancy Expenses	76.98	65.28	60.38	61.99	59.96	56.4
Selling, General & Administrative	57.95	57.95	52.55	44.18	32.1	29.18
Other Non-Interest Expense	194.24	174.91	163.03	154.21	126.2	131.06
Total Non-Interest Expense	674.65	621.07	551.29	501.79	431.43	415.2
EBT Excluding Unusual Items	867.48	934.27	931.29	867	720.72	750.89
Pretax Income	867.48	934.27	931.29	867	721.53	752.92
Income Tax Expense	192.47	218.81	214.79	176.16	157.44	173.89
Earnings From Continuing Operations	675.01	715.46	716.5	690.84	564.09	579.03
Minority Interest in Earnings	0.05	0.02	-0.05	-0.06	0.05	-0.03
Net Income	675.06	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	658.87	699.29	700.27	674.6	547.52	579
Net Income Growth	-6.61%	-0.14%	3.81%	23.21%	-5.44%	98.36%
Basic Shares Outstanding	110	113	114	114	120	129
Diluted Shares Outstanding	111	113	114	115	121	130
Shares Change	-2.83%	-0.69%	-0.71%	-4.86%	-6.88%	0.14%
EPS (Basic)	5.98	6.20	6.16	5.89	4.55	4.49
EPS (Diluted)	5.97	6.18	6.14	5.87	4.54	4.47
EPS Growth	-3.70%	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	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
Dividend Per Share	1.860	1.740	1.580	1.420	1.260	1.133
Dividend Growth	9.41%	10.13%	11.27%	12.70%	11.26%	5.10%
Effective Tax Rate	22.19%	23.42%	23.06%	20.32%	21.82%	23.09%

SEC Filings: 10-K · 10-Q