# Bank OZK

> Bank OZK is a Little Rock-based, publicly traded regional bank that pairs a 267-office consumer and business banking network with national specialty-lending businesses. Its defining franchise is the Real Estate Specialties Group, a construction and development finance operation that helps fund large projects in major U.S. markets, while newer corporate and institutional teams broaden the loan book into asset-based lending, fund finance, equipment finance and sponsor finance. At June 30, 2026, Bank OZK reported $41.7 billion in assets, $34.0 billion in deposits and $32.56 billion in loans.

- **Founded:** 1903
- **Headquarters:** Little Rock, United States
- **Team size:** More than 3,200 employees; LinkedIn listed about 3,091 employee profiles in 2026.
- **Products:** Personal banking, Business banking, Treasury management, Real Estate Specialties Group, Corporate and Institutional Banking
- **Notable:** Grew from two branches, 28 employees and $28 million in assets in 1979 to $41.7 billion in assets and 267 offices by June 2026., Reported record net interest income of $1.59 billion for 2025., Was named one of the Top 25 Best U.S. Banks in Bank Director's 2025 RankingBanking Study.

## Products & services

- **Personal banking** — Checking, savings, money market and retirement accounts, debit and credit cards, personal loans, mortgages, digital banking and Zelle payments.
- **Business banking** — Business checking and savings, commercial loans and credit lines, merchant services and online banking for companies from small firms to established corporations.
- **Treasury management** — Cash-management tools including ACH, wires, positive pay, remote deposit capture, lockbox, account reconciliation and liquidity services.
- **Real Estate Specialties Group** — National construction and development financing for complex commercial real-estate projects; the group was formed in 2003.
- **Corporate and Institutional Banking** — Asset-based lending, fund finance, equipment finance and capital solutions, corporate banking, sponsor finance and natural-resources lending.
- **Trust and wealth** — Investment management, financial and retirement planning, personal and corporate trust, estate settlement and custodial services.
- **Association services** — Deposit, lending and lockbox solutions for community associations and property-management professionals nationwide.
- **Indirect consumer lending** — Consumer loans originated nationally through recreational-vehicle and marine dealer networks.

## Achievements

- Grew from two branches, 28 employees and $28 million in assets in 1979 to $41.7 billion in assets and 267 offices by June 2026.
- Reported record net interest income of $1.59 billion for 2025.
- Was named one of the Top 25 Best U.S. Banks in Bank Director's 2025 RankingBanking Study.
- Was named by Forbes among America's Best Banks each year from 2019 through 2026, according to Bank OZK.
- Raised its quarterly common-stock dividend for the 64th consecutive quarter in July 2026.
- Built the Real Estate Specialties Group into a nationally recognized construction and development finance operation.
- Has been included in the S&P High Yield Dividend Aristocrats Index since January 2018.
- Maintained a 39.2% efficiency ratio and 1.60% return on assets in the second quarter of 2026.

## Latest updates

- **2026-07** — Reported second-quarter net income available to common stockholders of $163.3 million, diluted EPS of $1.49 and assets of $41.7 billion.
- **2026-07** — Raised the quarterly common dividend to $0.48 per share, the 64th consecutive quarterly increase.
- **2026-06** — Authorized a new stock-repurchase program of up to $200 million, effective July 1, 2026 through July 1, 2027 unless changed by the board.
- **2026-04** — Reported first-quarter net income available to common stockholders of $159.3 million and diluted EPS of $1.44.
- **2026-01** — Reported full-year 2025 net income available to common stockholders of $699.3 million and record net interest income of $1.59 billion.
- **2025-08** — Featured among the institutions evaluated in Bank Director's 2025 RankingBanking report on the 300 largest publicly traded U.S. banks.

## Links

- Website: https://www.ozk.com/
- LinkedIn: https://www.linkedin.com/company/bank-ozk/
- Twitter/X: https://twitter.com/bankozk
- Instagram: https://www.instagram.com/bankozk/
- Facebook: https://www.facebook.com/bankozk/

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Profile page: https://yespress.io/bank-ozk
Published by YesPress — https://yespress.io
Last updated: 2026-08-11