# BANK OZK
LITTLE ROCK, AR · FDIC certificate 110 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $41.70B | |
| Deposits | $34.00B | |
| Loans and leases | $32.56B | |
| Total equity | $6.28B | |
| Loans / deposits | 94.42% (p80 of band) | 85.78% |
| Liquid assets / assets | 13.88% (p9 of band) | |
| Uninsured deposits / deposits | 32.47% (p35 of band) | 38.39% |
| Brokered deposits | 6.04% | |
| Wholesale funding | 6.04% (p44 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.96% (p97 of band) | 10.17% |
| Unrealized securities loss / equity | -0.56% (p91 of band) | -7.43% |
| AOCI / equity | -0.03% (p76 of band) | |
| ROA (annualized) | 1.60% (p77 of band) | 1.24% |
| Net interest margin | 4.14% (p82 of band) | 3.57% |
| Efficiency ratio | 39.52% (p16 of band) | |
| Noncurrent loans | 0.92% (p74 of band) | 0.66% |
| Net charge-offs (annualized) | 0.49% (p89 of band) | |
| Reserve coverage of noncurrent | 153.63% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 110.58% (p100 of band) | |
| Auto loans | $3.0M (0.01% of loans; DQ 0.73%, NCO 0.00%) | |
| Loans to nondepository financials | $3.26B (52% of equity) (p81 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 3286 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 5 | deposits shrinking, assets shrinking |  |
| 2012-09 | 4 |  | assets shrinking |
| 2012-12 | 2 |  | uninsured deposits leaving, deposits shrinking |
| 2013-03 | 3 | noncurrent p90 |  |
| 2013-06 | 2 |  | noncurrent p90 |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 2 | charge-offs p90 | reserve under noncurrent |
| 2015-06 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 4 | loans exceed deposits, liquid assets <10% | capital falling |
| 2016-03 | 3 | brokered >10%, wholesale funding >15% | uninsured deposits leaving, loans exceed deposits, liquid assets <10% |
| 2016-06 | 2 |  | wholesale funding >15% |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 1 |  | brokered >10%, capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | uninsured deposits leaving |  |
| 2019-06 | 1 |  | uninsured deposits leaving |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | deposits shrinking |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | deposits shrinking |
| 2022-06 | 2 | capital falling |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | capital falling |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | loans-to-lenders >50% equity |  |
| 2025-09 | 2 | capital falling | loans-to-lenders >50% equity |
| 2025-12 | 2 | charge-offs p90 | capital falling |
| 2026-03 | 1 |  | charge-offs p90 |
| 2026-06 | 2 | loans-to-lenders >50% equity |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-02 [$42B Arkansas bank plants flag in Raleigh. And it's looking for talent - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNYkd6eUF3U3NYTHBYRl9lMUdJY0Rkalg1cW85OWFGVVk3MllQcmswaF9FbW85UmhpTkpTUUxuZFBjbXB5MFZUdGpmUFZpVjh2NVhhakg3TEtPVmRsU1FMMVBaLV9yVUJDT1M5Ri1BNDZSWG5EWnc5R3lQbUtHNTc2Ynd6OTRVQUUzZU5RQ3o1dG1VS1FoNmxwWjFxZjMtaFV0SXRVS3Zn?oc=5) · The Business Journals
- 2026-07-23 [Bank OZK Drops Real Estate Exposure Below 50% - The Real Deal](https://news.google.com/rss/articles/CBMijwFBVV95cUxOQVBlaTlkektyektLTWlENVZRZEpMVWk5QmFXSDdmMkdkbjZnZVVubmowQXcycWF4VnY3WUV6elBOa2lBcVdWMTdtbkRadHRHRlBLQXgwTDJOZGh0VEFjS3c2UGZRTTE5N1FPR0xwOEEzOEc0Z203UXNlMzVidHd3V2Fjd01KWWl0V0pqS3BzUQ?oc=5) · The Real Deal
- 2026-07-21 [Little Rock-based Bank OZK reports quarterly net income of $163.3 million - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMingFBVV95cUxPbUx2MFdNRWk5T3JGNVRnYjg0dFVFclA4NUlLelV0ckZ4aFVnQnF4NTZ2aXRJODV6dkp3OVJxSER2Q0xaQjl6NzJUYmljZkhuRHBTemdiczhoUGVNeEhVcERjbFNrdzlwZHp0c1JOeWdtNlVGY1hTNGhhejc0WlJuOVYzNGU5eU5zOF9STEVVMFoxUllBYml5eEdmWmkydw?oc=5) · The Arkansas Democrat-Gazette
- 2026-07-21 [Bank OZK posts quarterly declines in net income, revenue - Talk Business & Politics](https://news.google.com/rss/articles/CBMikwFBVV95cUxNZG16TkxTTGFRbllaSFZDaWpFQnBQZXJSRGw0U0JsQlhxVHVUNzlnTWtPNi00YTh4cXIyTmUwZWMzRnRQVDRZeE5oSUFLLTJmRGhvSm5qT0JFTWlxeURsRXJRQndCb2lLbU04ZzZSRXBFNTBLUUNyenpycU44WTk4X3E0SEppTWFSNVhhYXcxZVFPUjQ?oc=5) · Talk Business &amp; Politics
- 2026-07-28 [Bank OZK Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE53cS1id0I2bzJFSWt2Vzl4Z09VRUNjVmhibWN3eHRTam5SX2xDWTJ1X3JqLVIwTVM4ekpIUmNzcnJhcVBEWU41aGRkX3dlOV9JYXkxSzYxSmw5MlBLbkNjRDlFWER6M2M?oc=5) · reveliolabs.com
- 2026-04-06 [Bank OZK Hires Kyle Gilliam to Lead Equipment Finance Division (Super Mover) - Arkansas Business](https://news.google.com/rss/articles/CBMirAFBVV95cUxPZ2xQRXZsUWppQWtDcXh5VUVhWXo0U2VINkFSMjh1NVV4My1UbTQ5YU9TNXRSOVM0THR0UERFbmlrTVZCODlIYTE5dkpDSHdJREQybHU4aHNBa09qRkZwcnljSkViY0xsLXo1eHNkT3hYdmpyZjBPU3ZPWml3Zzk2eHNqRGFoVW1DMFJnN0ljRWc2MUZ3U05tUG9HMFRRQWZQZGtXOHg0djM3Q1hE?oc=5) · Arkansas Business
- 2026-01-28 [Arkansas bank thinks it has a buyer for the rest of Baltimore Peninsula - The Baltimore Banner](https://news.google.com/rss/articles/CBMisAFBVV95cUxNMFpNZV9XcE5ObFo3NjZ6M0p3bmk5a0h5NUl0eVNWYXZaVjQydHJORmZkZEVBZHMtVjZjZVRjZF8tLTBPeHRsSzl6dDExSE54VlY0YlUxQ2RtYVdpMmRmbXJpQUltSm85cVVQcXYydW0yem9BdzFVYy1BS0VadzNBajdJSDhIZDlSZlZZYkVLclJlU0lnWnVNaDc4VmhVbkRtRWFUcFlSUFd5Wnl2VnNaVQ?oc=5) · The Baltimore Banner
- 2026-06-19 [Diamonds welcome Ozarks, return home to Bank OZK - Hot Springs Sentinel Record](https://news.google.com/rss/articles/CBMikAFBVV95cUxOeE5KNm9wVzVRT3pPV0ZydmktTDlBb1ZtRXU3TGRmNWZ0TmJBRGk1X1JGcEZHUllkWUh4MEdaRGhRZ0tFVWxOci1aNjdCWmw1eDM0QXlxT1NlLVExM3Z6RVZrekZhVWlxbzdHRHBUd21Lbjd2d1dhcDN6Y0p3LVJFMWZCQlotZmpOSVotcTBwSmM?oc=5) · Hot Springs Sentinel Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=110 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/46.json (key "110", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide