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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Arkansas, the state note

Bank Ozk

Little Rock, Arkansas · $41.70B in assets · beside the 11 other the South Central states banks over $10B (the state alone holds too few in the band to rank)

The filing

53.1%
CRE / loans
12th of 12
-1.3%
Loans, year over year
12th of 12, largest first
95.8%
Loans / deposits
11th of 12

Bank Ozk is the second largest of the 12 the South Central states banks nearest its size over $10B, with $41.70B in assets at 30 June 2026. Loans are 95.8% of deposits, 11th of 12 against a median of 90.8%, and equity is 15.1% of assets, 3rd of 12. Loans grew -1.3% in the year, the slowest in the cohort, and deposits grew 1.4%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 0.92% of the book, 7th of 12 against a median of 0.92%; 0.07% is 30 to 89 days past due, and the allowance covers them 1.5 times. Net charge-offs are 0.62% of loans, the highest in the cohort. Commercial real estate is 53.1% of loans, the highest in the cohort against a median of 36.9%, and 260% of capital, below the 300% screen, with construction at 104% against the 100% screen.

Return on assets is 1.61%, 4th of 12 against a median of 1.39%, on an efficiency ratio of 39.5%, 2nd of 12. Five years ago it was 2.22%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 2.6% of loans).

Commercial real estate, share of loansSouth Central states banks over $10B · 30 June 2026 · lower is stronger, listed first
median 36.9% FH First Horizon Bank 20.9% HW Hancock Whitney Bank 24.2% AB Arvest Bank 29.3% OB Origin Bank 34.4% TB Trustmark Bank 35.5% SY Stock Yards Bank & Trust Co. 36.0% F Firstbank 37.8% RB Renasant Bank 41.8% SB Servisfirst Bank 46.1% SB Simmons Bank 46.3% CB Centennial Bank 47.6% BO Bank Ozk 53.1%
Loans, year over yearSouth Central states banks over $10B · 30 June 2026 · no better direction, largest first
median +5.3% F Firstbank +30.4% SY Stock Yards Bank & Trust Co. +15.1% CB Centennial Bank +12.9% SB Servisfirst Bank +9.3% AB Arvest Bank +7.0% SB Simmons Bank +5.6% OB Origin Bank +5.0% HW Hancock Whitney Bank +4.9% TB Trustmark Bank +3.9% FH First Horizon Bank +3.4% RB Renasant Bank +2.7% BO Bank Ozk -1.3%

SBA 7(a), FY2008 to FY2026

Bank Ozk is the 37th largest 7(a) lender into Florida of 528, with $199M across 326 loans, 0.7% of everything approved in the state (Live Oak Banking Company leads with $1.78B). 89 of its 143 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Florida, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Pinellas, FL$43M9th of 1712.6%-0.6 pts
Hillsborough, FL$41M16th of 1951.9%+0.1 pts
Miami-Dade, FL$21M35th of 2150.5%quiet FY2022
Fulton, GA$19M41st of 2110.6%-0.4 pts
Harris, TX$18M81st of 3140.2%-0.2 pts
Lee, FL$17M16th of 1691.5%-0.4 pts
Manatee, FL$17M11th of 1322.4%-0.1 pts
Gwinnett, GA$16M38th of 1690.7%-0.4 pts
Benton, AR$15M6th of 903.6%+0.3 pts
Saint Johns, FL$11M12th of 1132.0%thin
Sebastian, AR$10M4th of 508.6%quiet FY2022
Clay, AR$10M2nd of 922.2%quiet FY2017
Cherokee, GA$9M20th of 1171.5%-0.2 pts
130 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services136$103M19.7%0.13%140th of 2,596
Retail trade138$79M15.1%0.13%132nd of 2,589
Health care & social assistance91$67M12.9%0.14%105th of 2,172
Agriculture, forestry & fishing34$48M9.2%0.59%22nd of 1,007
Manufacturing73$39M7.5%0.10%186th of 2,246
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and Bank Ozk
LO Live Oak Banking Company 6.1% $1.78B · 1,383 loans TB Truist Bank 4.5% $1.31B · 2,609 loans WF Wells Fargo Bank National Associa… 4.3% $1.25B · 5,346 loans TB TD Bank, National Association 3.5% $1.03B · 6,653 loans TH The Huntington National Bank 3.3% $954M · 2,284 loans NB Newtek Bank, National Association 2.6% $757M · 1,920 loans NS Newtek Small Business Finance, In… 2.5% $728M · 1,047 loans SB Southstate Bank, National Associa… 2.4% $700M · 1,040 loans RL Readycap Lending, LLC 2.1% $615M · 1,593 loans PB Pinnacle Bank 2.1% $609M · 729 loans BO Bank Ozk 0.7% $199M · 326 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Bank OzkRankCohort median
Total CRE against capital, the 300% screen260%8th of 12252%
Construction against capital, the 100% screen104%11th of 1267%
Construction and land development, share of loans21.3%12th of 129.8%
Non-owner-occupied nonfarm nonresidential, share of loans24.0%9th of 1221.4%
Total CRE, the guidance definition, share of loans53.1%12th of 1236.9%
CRE growth over 36 months, the third prong+9.8%6th of 12+14.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Horizon Bank$84.12B1.4%56.0%0.83%0.19%1.1%95.7%11.2%
Bank Ozk$41.70B1.6%39.5%0.92%0.62%1.4%95.8%15.1%
Hancock Whitney Bank$36.33B1.0%55.3%0.57%0.17%1.3%82.4%12.0%
Arvest Bank$28.05B0.5%81.6%0.86%0.37%1.1%83.2%8.4%
Renasant Bank$26.99B1.4%55.7%0.96%0.05%1.5%87.7%15.4%
Simmons Bank$24.73B1.2%56.8%0.92%0.20%1.3%90.7%13.1%
Centennial Bank$24.55B2.0%42.2%0.55%0.07%1.9%87.1%17.2%
Trustmark Bank$19.19B1.3%63.0%1.14%0.12%1.0%87.6%11.6%
Servisfirst Bank$18.34B1.9%29.6%1.18%0.17%1.3%99.5%10.9%
Firstbank$16.76B1.5%52.8%1.40%0.08%1.5%90.9%11.7%
Stock Yards Bank & Trust Co.$10.36B1.6%52.6%0.31%0.00%1.4%93.0%12.0%
Origin Bank$10.18B1.2%57.1%0.97%0.08%1.2%92.6%11.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bank OzkCohort median
20212026Change20212026Change
Loans$18.27B$32.56B+78%$10.62B$17.56B+65%
Deposits$20.71B$34.00B+64%$14.43B$19.75B+37%
NPA / loans0.31%0.92%+0.62 pts0.61%0.92%+0.31 pts
Efficiency39.2%39.5%+0.3 pts62.9%55.5%-7.4 pts
ROA2.22%1.61%-0.61 pts1.40%1.39%-0.01 pts

This read was prepared for Bank Ozk's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bank Ozk is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks over $10B
Institution www.ozk.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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