Bank OZK

What Bank OZK does

Bank OZK is a publicly traded regional bank (NASDAQ: OZK) headquartered in Little Rock, Arkansas, operating with approximately $59 billion in total assets across 1001-5000 employees as of year-end 2025. Founded in 1903 as Bank of the Ozarks and rebranded in 2018, the bank serves four primary customer segments: individual consumers (checking, savings, mortgages, HELOCs, credit cards), small to mid-sized businesses (business checking, treasury management, merchant services via Clover, commercial loans), real estate developers and construction firms (large-scale construction and CRE financing through the Real Estate Specialties Group), and corporate/institutional clients (lending to non-depository financial institutions across 42+ industry verticals). The bank generated approximately $1.66 billion in revenue and $699 million in net income in 2024-2025, with record diluted EPS of $6.18 in 2025.

The bank operates a hybrid distribution model combining a physical branch network, comprehensive online/mobile banking platforms (supported by OZK Cards app, OZK Credit Score+, mobile wallet integration, and Zelle), and a relationship-driven field sales force for commercial and CRE lending. Its revenue model is anchored in net interest income (~$1.59B in 2025) from the spread between loan and deposit rates, supplemented by non-interest income from deposit fees, lending-related fees, treasury management, and merchant services. Technology infrastructure is standard regional bank digital banking with card management, mobile deposit, bill pay, and credit monitoring features; no proprietary AI/ML capabilities are disclosed.

Strategically, Bank OZK has built a national construction lending franchise evidenced by $50M-$400M+ transactions in luxury residential, multifamily, industrial, and mixed-use developments across Florida, Texas, Arizona, Illinois, and other markets. Growth is concentrated in CIB expansion to diversify away from the 421% CRE/TCE concentration risk flagged by Moody's, alongside a 25-year track record of consecutive dividend increases and inclusion in the S&P High Yield Dividend Aristocrats index since 2018. The bank has historically pursued selective M&A (Community & Southern Bank in 2016, C1 Financial for $402.5M in 2015) as part of its expansion strategy.

Name

Bank OZK

Legal name

Bank OZK

Website

https://ozk.com

Company type

Public

Founded year

1903

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Bank OZK is a publicly traded regional bank (NASDAQ: OZK) headquartered in Little Rock, Arkansas, with approximately $59 billion in total assets serving individual consumers, small-to-mid-sized businesses, real estate developers, and corporate/institutional clients nationwide through retail banking, commercial lending, and a national construction financing franchise.

Ownership category

akta.pro rank

Product category

Regional Commercial and Retail Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

National Commercial Banks (6021), State Commercial Banks (6022), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Agricultural & Rural Development Banks (FSABAKAE), Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

Keywords

• Retail banking services
• Commercial real estate lending
• Construction financing
• Corporate institutional banking
• Treasury management services

Headquarters

HQ city

Little Rock

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Net Interest Income: The primary revenue driver, generated from the spread between interest earned on loans (commercial real estate, construction, corporate lending) and interest paid on deposits. The bank earned record annual net interest income of $1.59 billion in 2025.
2. Non-interest Income: Fees from deposit service charges, lending-related fees (origination, commitment, amendment), treasury management fees, merchant services income, and trust and wealth management fees.
3. Corporate & Institutional Banking (CIB): Growing division providing lending services to non-depository financial institutions, asset-based lending, fund finance, equipment finance, lender finance, and franchise capital solutions across 42+ industry verticals.
4. Dividend Income: The bank has paid consecutive quarterly dividends for 63+ quarters, with the common dividend raised annually for 25 consecutive years, providing a yield of approximately 3.7-4.0% and a preferred stock yield of 7.3%.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels7 records

Core offering

Bank OZK is a regional commercial bank that accepts deposits and originates loans across consumer, small-business, and institutional banking channels. Its core offerings include personal checking, savings, CDs, IRAs, mortgages and HELOCs, business checking, business loans and lines of credit, treasury management, merchant payment processing (Clover), trust and wealth services, and large-scale construction and commercial real estate financing through its Real Estate Specialties Group.

Product overview

Bank OZK offers a comprehensive regional banking platform providing personal and business banking products across checking, savings, lending, and treasury management. Personal banking includes multiple checking account tiers (OZK Checking, Interest+ Checking, Freedom Advantage Checking), savings options (OZK Savings, First Savings, Money Market, CDs), retirement accounts (Traditional IRA, Roth IRA, SEP, CESA), and home lending products (Fixed-Rate Mortgages, Adjustable-Rate Mortgages, Freedom Advantage Mortgage, HELOC). Business banking encompasses four checking variants, two savings/money market products, and specialized lending for real estate, equipment, and working capital. Supporting services include Treasury Management with payables/receivables solutions, Merchant Services via Clover partnership, overdraft protection products (Bounce Proof, Bounce Proof Plus, Safety Link), and digital banking tools (Mobile & Online Banking, OZK Cards, CardValet, Credit Score+, My Change Keeper). The company is headquartered in Little Rock, Arkansas.

Differentiator

Problem solved

Functional benefit

Products and services

• OZK Checking Basic personal checking account with $50 minimum opening deposit and a $7 monthly service fee that is waivable via direct deposit of $500+, $500 average balance, or 10+ debit transactions; includes online banking and a Visa debit card.
• OZK Interest+ Checking Interest-bearing personal checking account with $12 monthly fee waivable at $2,500 average balance; earns interest, includes incoming wire transfer rebates and up to four ATM fee rebates per cycle.
• Freedom Advantage Checking Basic checking account with $25 minimum opening deposit, $5 monthly fee, no overdraft protection, no dormancy/inactivity or telephone transfer fees, with no check-ordering capability.
• OZK Savings Personal savings account with $50 minimum opening deposit, tiered interest rates, and participation in the Greater Savings prize-linked savings promotion.
• OZK First Savings Savings account designed for children under 18 with $5 minimum opening deposit and no monthly service fee.
• OZK Money Market Interest-bearing money market account with $50 minimum opening deposit, tiered interest rate based on balance, and up to six withdrawals/transfers per month without fee; $10 fee per excess transaction.
• Certificates of Deposit (CDs) Fixed-rate time deposits with terms from 7 days to 5 years, $1,000 minimum to open and earn APY, daily compounding, and early withdrawal penalties; 8-month CD offered at 4.10% APY.
• Traditional IRA Tax-advantaged retirement savings available as Money Market or Certificate of Deposit options with $1,000 minimum balance.
• Roth IRA Tax-advantaged retirement account for post-tax contributions, available as Money Market or Termed options with no mandatory withdrawals.
• Simplified Employee Pension Plan (SEP) IRA Retirement plan for self-employed individuals and small business owners, available as Money Market or Termed options.
• Coverdell Educational Savings Account (CESA) Tax-free educational savings account for children under 18, with funds required to be used by age 30.
• Fixed-Rate Mortgages Home loans with consistent interest rates over the loan term, keeping monthly principal and interest payments predictable.
• Adjustable-Rate Mortgages (ARM) Home loans with introductory lower rates that adjust based on market conditions, rate caps, and index rates.
• Freedom Advantage Mortgage Zero-down-payment mortgage without Private Mortgage Insurance (PMI), restricted to one- or two-unit detached single family homes meeting income and location requirements.
• Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity with 5.49% introductory APR for 12 months, variable 7.00% APR thereafter (capped at 16.00%, floor at 4.00%); available in AR, FL, GA, NC, and TN.
• Bank OZK Visa Credit Cards Consumer Visa credit cards issued through First National Bank of Omaha (FNBO) for Bank OZK personal customers.
• OZK Business Checking Basic business checking with $100 minimum opening, 250 combined items free per cycle, $500 minimum balance to waive monthly fee, and online bill pay included; non-interest bearing.
• OZK Growth Business Checking Business checking with 500 combined items free per cycle, $10,000 average daily balance required to waive $20 monthly fee, unlimited free online bill pay, and interest-bearing feature.
• OZK Interest+ Business Checking Interest-earning business checking with 100 combined items free per cycle, requiring $5,000 average daily balance to waive the $15 monthly fee.
• OZK Non-Profit Checking Business checking designed for non-profits and community groups with $100 minimum opening, no monthly minimum balance requirement, and 50 combined items free per cycle.
• OZK Business Savings Business savings account with $100 opening deposit and $100 minimum daily balance to avoid monthly service fee.
• OZK Business Money Market Business money market account with $5,000 opening deposit and detailed monthly statements.
• Long-Term & Short-Term Business Loans Customized financing solutions for sustainable growth and immediate opportunities, including equipment loans, real estate loans, and working capital lines.
• Business Real Estate Loans Commercial real estate financing for owner-occupied or non-owner-occupied properties, including purchase, renovation, and new construction.
• Business Lines of Credit Flexible credit lines providing capital access when needed for business growth and operational expenses.
• Treasury Management Comprehensive cash flow and financial operations management for businesses, including payables, receivables, funds management, fraud protection, and information reporting delivered through an online platform.
• Merchant Services Payment processing solutions offered through the Clover (First Data Merchant Services) partnership, with competitive rates, next-day funding, flexible billing, and 24/7 technical support; includes a 90-day free trial and $450 rebate promotion for qualifying accounts.
• Agricultural Lending Specialized agricultural lending services for farming operations and agribusinesses within Bank OZK's regional footprint.
• Association Services Banking and treasury services tailored to membership-based associations, including deposit accounts, lending, and cash management.
• Government & Institutional Banking Specialized banking services for government entities and institutions, including deposit, lending, and treasury management under Senior Vice President Eric Munson's leadership.
• Real Estate Specialties Group (RESG) Lending Bank OZK's Real Estate Specialties Group provides large-scale construction and commercial real estate financing to national developers for luxury residential, multifamily, mixed-use, hospitality, and industrial projects across the U.S.
• Corporate & Institutional Banking (CIB) Lending CIB provides asset-based lending, fund finance, equipment finance, lender finance, franchise capital solutions, and corporate lending services to non-depository financial institutions and corporate borrowers across 42+ industry verticals, with expansion into Atlanta and Nashville.
• Trust & Wealth Services Professional financial planning and wealth services for individuals and families, including trust administration, estate planning, wealth management, and retirement planning.

Quantifiable outcome

• Record annual net interest income of $1.59 billion in 2025, with full-year net income of $699.3 million and diluted EPS of $6.18
• +3 more outcomes

Named customers12 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Twelve partnerships are on record, tiered minor, major and core.

• Hunt Capital Partners and Sycamore DevelopmentminorChannel Partner/ Reseller/ DistributorBank OZK provided construction and bridge loans to Hunt Capital Partners and Sycamore Development for the $125 million West End Lofts mixed-income redevelopment project in Dallas, TX. Permanent financing was sourced from Grandbridge.
• CMC Group and Fort PartnersmajorChannel Partner/ Reseller/ DistributorBank OZK provided $323.8 million construction financing for Four Seasons Private Residences Coconut Grove, a 20-story luxury waterfront condo tower in Miami, FL. The project broke ground in October and targets mid-2028 completion with 70 residences.
• Fortune International Group and Château GroupmajorChannel Partner/ Reseller/ DistributorBank OZK provided a $418.3 million construction loan for The St. Regis Residences Sunny Isles Beach project, consisting of two towers with a combined estimated sellout exceeding $3 billion. The loan was later increased from an initial amount.
• Allen Morris Co.majorChannel Partner/ Reseller/ DistributorBank OZK provided a $132.5 million construction loan for Ponce Park, an ultra-luxury 11-story condominium development in Coral Gables, FL. Construction began December 2025 with completion targeted for early 2028. Financing was arranged by Lotus Capital Partners.
• Lovett Industrial and Peakline Real Estate FundsminorChannel Partner/ Reseller/ DistributorBank OZK provided senior construction financing for North Park Logistics Center, a 1.14 million SF Class A cross-dock logistics facility in Glendale, Arizona (Metro Phoenix). CBRE handles marketing and leasing. First phase targeted Q2 2027 completion.
• Rosso Development and Midtown DevelopmentminorChannel Partner/ Reseller/ DistributorBank OZK originated a $45 million construction loan for The Standard Residences Midtown Miami, a 12-story residential tower developed in partnership with Hyatt. The loan was paid off early ahead of the project's opening with only 5 of 228 residences remaining.
• Trilogy Real Estate GroupminorChannel Partner/ Reseller/ DistributorBank OZK provided an $82.3 million construction loan for Edgewater 27, a multifamily tower in Miami's Edgewater neighborhood with 247 units, featuring a pool and coworking space amenities.
• IPA Capital Markets / Marcus & MillichapminorChannel Partner/ Reseller/ DistributorIPA Capital Markets, a division of Marcus & Millichap, arranged $96.7 million in financing from Bank OZK for a three-property industrial portfolio in Rockford, Illinois spanning over 650,000 SF. The portfolio includes two stabilized build-to-suit facilities for a global pharmaceutical services provider.
• UrbanStreet GroupminorChannel Partner/ Reseller/ DistributorBank OZK provided a $94 million construction loan for the first phase of UrbanStreet Group's redevelopment of the former Motorola campus in Schaumburg, Illinois. The mixed-use development includes residential, retail, and entertainment spaces with total investment expected to surpass $1 billion.
• Vintage City Development / JLL Capital MarketsminorChannel Partner/ Reseller/ DistributorJLL Capital Markets arranged $63.2 million from Bank OZK as senior construction loan for ECCO, a 258-unit luxury multifamily development in Elizabeth, NJ (phase 2 of Vintage City Development), adjacent to the $75 million Elizabeth Train Station.
• Federal Home Loan Bank of Dallas (FHLB Dallas)minorChannel Partner/ Reseller/ DistributorBank OZK distributed a $2 million Affordable Housing Program (AHP) grant from FHLB Dallas to Austin Housing Finance Corp. and SGI Ventures for The Roz affordable apartment community in South Austin. FHLB Dallas awarded $78.9 million in AHP funding in 2024.
• Clover (First Data Merchant Services)coreTechnology or IntegrationBank OZK Merchant Services partners with Clover (First Data) to offer payment processing solutions to business clients, including a limited-time 90-day free trial and $450 rebate promotion for qualifying accounts opened by June 30, 2026.

Scale indicators15 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Renasant Corporation: Mississippi-headquartered Southeast regional bank with similar size (~$2B market cap), community/commercial banking model, and CRE lending exposure in markets overlapping Bank OZK's footprint.
• Synovus Financial: Columbus, Georgia-based regional bank with comparable size (~$6B market cap), Southeast commercial banking franchise, and CRE lending portfolio overlapping Bank OZK's Atlanta and Florida expansion markets.
• Pinnacle Financial Partners: Nashville-based regional bank with similar size (~$7B market cap), commercial banking focus, and Southeast deposit franchise overlap with Bank OZK's Tennessee and North Carolina footprint. Comparable CRE and CIB growth strategy.
• Webster Financial: Northeast-based regional bank with a comparable commercial banking and CRE lending mix, similar size ($8B+ market cap), and a focus on middle-market and institutional clients that overlaps with Bank OZK's CIB strategy.
• United Community Banks: Georgia-based Southeast regional bank with comparable size (~$3B market cap), commercial banking focus, and significant CRE lending portfolio that competes with Bank OZK's RESG in the Southeast.
• BankUnited: BankUnited is a Miami-headquartered regional bank with comparable CRE lending exposure (especially in Florida multifamily and condo) and similar middle-market business banking focus. It is the most direct peer to Bank OZK's RESG-driven model and CRE concentration profile.
• Cadence Bank: Mid-sized regional bank (~5B market cap) with overlapping commercial banking, CRE, and corporate banking services across the Southeast and Texas, directly competing for institutional and middle-market lending relationships.
• Cullen/Frost Bankers: Texas-based regional bank of similar size (~$7B market cap) with comparable commercial banking and CRE lending model, conservative culture, and history of consistent dividend growth analogous to Bank OZK.

Broad incumbents

• Hancock Whitney Corporation: Gulf Coast regional bank with comparable size, commercial banking focus, and CRE lending across markets overlapping with Bank OZK's Florida and Texas expansion. A broader incumbent with similar conservative banking culture.
• First Horizon Corporation: Larger Southeast-headquartered regional bank (~$10B+ market cap) with overlapping commercial banking, CRE lending, and wealth management services. A broader incumbent serving many of the same customer segments as Bank OZK across the Southeast.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/bankozk
• LinkedInlinkedin.com/company/bank-ozk
• Instagraminstagram.com/bankozk
• Xx.com/bankozk

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A4 records

Investments27 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bank OZK