Total Assets
$40.8B
Total balance-sheet footings
FDIC Cert #110 · Little Rock, Arkansas · Est. 1903
Bank OZK - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $40.8B
- Total assets
- A
- Health grade · Excellent
- 1.78%
- Return on assets
- 11.7%
- Tier 1 capital
Data updated July 2026
The verdict
Bank OZK earns a PlainBankData health grade of A (84/100), with well-capitalized at 11.72% Tier 1, profitable at 1.78% ROA, efficient (36% cost ratio).
- #58
- largest of 4,313 FDIC banks by assets
- 99th
- percentile by asset size, nationally
- 11.72%
- Tier 1 ratio - above the 10% well-capitalized line
- 85th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Bank OZK's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank OZK's composite health score
Tier 1 Capital Ratio (11.72%) 28/40
Return on Assets (ROA) (1.78%) 25/25
Texas Ratio (5.17%) 16/20
Efficiency Ratio (35.94%) 15/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$33.4B
Customer-funded liabilities
Net Loans
$31.8B
Outstanding loan book
Net Income
$715M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank OZK ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank OZK's score of 84/100 falls in the highlighted band.
Bank OZK's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank OZK's $40.8B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.72% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.72%
Texas Ratio
5.17%
Equity Capital
$6.1B
Profitability metrics
Return on Assets (ROA)
85th percentile nationally
1.78%
Return on Equity (ROE)
12.05%
Efficiency Ratio
35.94%
What the numbers say about Bank OZK
Bank OZK is an FDIC-insured institution (Certificate #110) headquartered in Little Rock, Arkansas, established in 1903. It holds $40.8B in total assets - 58th of 4,313 FDIC-insured banks, $33.4B in customer deposits, and $31.8B in net loans. Capital-wise, the Tier 1 ratio sits at 11.72%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 5.17%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (84 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Bank OZK sits in the top decile of all FDIC-insured institutions by asset size (58th of 4,313), and within Arkansas it ranks 1st of 78 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Arvest Bank, at $27.8B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$2.7B
Interest Income
$136M
Non-Interest Income
$621M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank OZK reports a Texas Ratio of 5.17% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.17% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Arkansas by total assets
National size peers: banks closest to Bank OZK by assets
Measured strictly by total assets rather than geography, Bank OZK's closest national peers include MidFirst Bank, Deutsche Bank Trust Company Americas, Prosperity Bank, Raymond James Bank, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Arkansas. Averaged across this asset-matched cohort, return on assets runs 1.34% (Bank OZK is above that at 1.78%), the efficiency ratio averages 49.42% (Bank OZK runs leaner at 35.94%), and Tier 1 capital averages 21.52% (Bank OZK holds less at 11.72%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $40.8B in assets, Bank OZK has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Bank OZK (this bank) | AR | $40.8B | 1.78% | 35.94% | 11.72% |
| MidFirst Bank | OK | $41.4B | 1.19% | 57.08% | 18.53% |
| Deutsche Bank Trust Company Americas | NY | $43.0B | 1.86% | 45.65% | 56.62% |
| Prosperity Bank | TX | $38.5B | 1.44% | 41.99% | 16.51% |
| Raymond James Bank | FL | $43.4B | 1.47% | 37.33% | 13.95% |
| Atlantic Union Bank | VA | $37.5B | 0.99% | 57.84% | 13.02% |
| Associated Bank, National Association | WI | $45.1B | 1.10% | 56.64% | 10.52% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank OZK (FDIC Cert #110) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Arkansas
All Arkansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Arvest BankFayetteville | $27.8B | C | 0.49% |
| Simmons BankPine Bluff | $24.5B | C | -1.40% |
| Centennial BankConway | $22.7B | A | 2.14% |
| First Security BankSearcy | $8.4B | A | 1.81% |
| ENCORE BANKLittle Rock | $3.6B | C | 0.19% |
| First Community BankBatesville | $3.4B | B | 1.09% |
| Farmers Bank & Trust CompanyMagnolia | $3.1B | B | 1.36% |
| Southern Bancorp BankArkadelphia | $2.8B | B | 0.81% |
Frequently asked questions
What is Bank OZK's health grade?▼
Bank OZK receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank OZK?▼
Bank OZK holds $40.8B in total assets and $33.4B in deposits, ranking 58th of 4,313 FDIC-insured banks by asset size. It is headquartered in Little Rock, Arkansas.
Is my money safe at Bank OZK?▼
Yes, deposits at Bank OZK (Certificate #110) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank OZK's Tier 1 Capital Ratio?▼
Bank OZK has a Tier 1 Capital Ratio of 11.72%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank OZK?▼
Bank OZK has a Texas Ratio of 5.17%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank OZK?▼
Bank OZK has an Efficiency Ratio of 35.94%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank OZK's profile as a depositor or analyst.
- Bank OZK's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank OZK against other Arkansas banks before moving funds. Arkansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.