Bank OZK

Bank OZK engages in the provision of community banking services. The firm offers deposit services such as checking, savings, money market, time deposit, and individual retirement accounts. It also provides loan services including types of real estate, consumer, commercial, industrial, and agricultural loans. The company was founded in 1903 and is headquartered in Little Rock, AR.

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

Earnings data Q1 2025

Earnings data Q2 2025

Earnings data Q3 2025

Earnings data Q4 2025

Earnings data Q1 2026

Bank OZK reports solid Q1 performance amidst margin challenges

Bank OZK's Q1 2023 performance reflected strength in lending and deposit growth, supported by a robust balance sheet and asset quality.
While facing challenges in margin compression and portfolio management, the bank's focus on risk management and capital strength positions it well.
Opportunities lie in navigating lending momentum, interest rate dynamics, and shareholder value enhancement through strategic initiatives.

Bank OZK maintains asset quality focus amidst economic caution

Bank OZK's Q2 2023 earnings call highlights steady performance, strong asset quality focus, and proactive credit management strategies. The company faces challenges in slower repayments and potential expense growth but sees opportunities in rate management and growth initiatives.

Bank OZK reports mixed Q3 performance, eyes growth opportunities

Bank OZK navigated a mixed landscape with a slowdown in projects but strong regional activity, maintaining disciplined practices and favorable credit quality.
The company's focus on organic loan growth, strong capital levels, and effective asset management position it well for future growth opportunities.
Challenges include potential liquidity impacts from longer-held RESG loans and undisclosed reserve information, while opportunities lie in market-driven loan payoffs and property valuation dynamics.

Bank OZK anticipates Fed cuts, focuses on disciplined growth strategy

Bank OZK's Q4 earnings call highlighted a conservative outlook for 2024, strong loan origination trends, and a focus on disciplined decision-making in a less competitive lending space. Challenges include navigating loan origination uncertainties and sponsor equity challenges. Opportunities exist in NII growth, talent acquisition, and customer-driven initiatives.

Bank OZK reports record earnings outlook amidst economic uncertainties

Bank OZK's Q1 2024 performance shows a focus on stable growth, cost management, and cautious optimism for record earnings.
The company is navigating challenges in negotiating rates, deposit pricing, and economic uncertainties while capitalizing on growth opportunities.
With a strategic emphasis on talent acquisition, product diversification, and maintaining credit risk factors, Bank OZK aims for organic expansion and financial stability.
Chairman George Gleason's outlook reflects a balanced approach to growth, risk management, and shareholder value creation.

Bank OZK reports solid Q2 performance, eyes diversification opportunities

Bank OZK's Q2 performance showed strong paydowns and a focus on CIB growth.
Emphasis on project quality and balance sheet diversification highlights strategic priorities.
Challenges with construction loans and capital requirements present areas for attention.
Opportunities for share repurchases and M&A could drive further growth and diversification.

Bank OZK addresses NIM pressure, focuses on asset quality

Bank OZK navigates NIM pressure, emphasizing loan growth and asset quality.
Commitment to high-quality assets and sponsor support mitigates risks.
Challenges include managing loan repricing, credit standards, and NIM fluctuations.
Opportunities lie in CIB growth, branch expansion, and fee income strategies.
Maintaining profitability through prudent risk management and relationship-based banking.

Bank OZK reports robust Q4 performance, eyes geographic expansion

Bank OZK's Q4 2024 earnings call highlighted strong performance in the CIB group, emphasizing credit quality and growth strategies. The company faces challenges in managing credit risk, regulatory changes, and yield differences. Opportunities for growth include geographic expansion, relationship-focused banking, and fee income generation.

Bank OZK reports strong loan growth and plans for expansion

Bank OZK's Q1 2025 earnings call highlighted strong loan growth, performance in CIB, and a cautious yet optimistic approach to growth amidst market uncertainties.

Bank OZK reports robust Q2 growth, eyes talent acquisition for expansion

Bank OZK's Q2 performance reflects strong growth and strategic hiring for expansion. While facing challenges in RESG, the bank maintains a positive outlook on loan growth. Opportunities lie in branch openings, talent acquisition, and continued growth in CIB.

Bank OZK manages challenges, eyes growth in loan originations

Bank OZK navigated challenges in loan migrations and Fed rate cuts, leveraging sponsor support and positive outcomes in various business lines for responsible growth and revenue generation. Anticipated loan growth in 2026 and 2027, along with cautious optimism for higher origination volumes, position the company for continued performance and expansion in the CIB group. The company's disciplined approach to team expansion and revenue generation underscores a strategic focus on credit quality, fee income opportunities, and sustainable growth.

Bank OZK reports successful Q4 earnings amidst market challenges

Bank OZK's Q4 2025 earnings call highlighted successful loan sales, stock buybacks, and insights on credit trends. The company's strong capital management strategies and focus on fee income growth potential position it well for the future. While facing challenges in the sponsor environment and credit trends, Bank OZK remains proactive in managing risks. Opportunities lie in investments in CIB, loan growth, and leveraging sponsor relationships for revenue enhancement.