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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 110 · AR A · 84/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (84/100)
  • MID-PACK #1407/4307
  • PHOTO-FINISH United Bank · AL
  • TIER1-WELL 11.7% Tier 1
  • TEXAS-CLEAN 5.2% Texas
  • ROA-STRONG 1.78% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: United Bank, AL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank OZK

Lowest and highest poles plus nearest scored peers outside Arkansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Amalgamated Bank of… · IL · …84/100Bank OZK · AR · this bank84/100Sundance State Bank · WY · n…84/100The Bank of Romney · WV · ne…84/100United Bank · AL · near84/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank OZK · July 2026

What Bank OZK's Call Report plate shows

Bank OZK (FDIC Cert #110) carries a PlainBankData health grade of A at 84/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,407 of 4,307. Tier 1 capital prints at 11.72%, clearing the 10% well-capitalized line. The Texas Ratio is 5.17%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.78%. Balance-sheet scale is $40.8B, 58th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is United Bank (AL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank OZK

4 FAILURE resolutions in Arkansas since 2000 (3 since 2008)

Bank OZK's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Bank OZK remains an active FDIC-insured reporter.

  • ALLIED BANK MULBERRY, AR 2016 → TODAY'S BANK
  • FIRST SOUTHERN BANK BATESVILLE, AR 2010 → SOUTHERN BANK
  • ANB FINANCIAL NATIONAL ASSOCIATION BENTONVILLE, AR 2008 → PULASKI BANK AND TRUST CO

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Arkansas banks.

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.

0/100100/100National avg77/10084/100
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 Assets

$40.8B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.32% 11.72% 13.12%
Basel III capital ratios - Bank OZK

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

84 Top 33% higher than 67% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank OZK 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Bank OZK

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

What these ratios mean →

Earnings posture at Bank OZK

Return on Assets (ROA)
85th percentile nationally
1.78%
Return on Equity (ROE)
12.05%
Efficiency Ratio
35.94%

What these mean →

Income & expense at Bank OZK

$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.

FDIC Failed Bank List → View Bank OZK on FDIC BankFind →

Top banks in Arkansas by total assets

Largest banks headquartered in Arkansas
  1. 1
    Bank OZK $40.8B

    Little Rock, AR · Grade A

  2. 2
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  3. 3
    Simmons Bank $24.5B

    Pine Bluff, AR · Grade C

  4. 4
    Centennial Bank $22.7B

    Conway, AR · Grade A

  5. 5
    First Security Bank $8.4B

    Searcy, AR · Grade A

Top 5 banks in Arkansas ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to Bank OZK nationally by total assets
  1. 1
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  2. 2
    Deutsche Bank Trust Company Americas $43.0B

    New York, NY · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Raymond James Bank $43.4B

    Saint Petersburg, FL · Grade A

  5. 5
    Atlantic Union Bank $37.5B

    Richmond City, VA · Grade A

  6. 6
    Associated Bank $45.1B

    Green Bay, WI · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($40.8B here), outside Arkansas so the neighborhood is not state containment.

MidFirst Bank $41.4B · OK Deutsche Bank Trust Company Americas $43.0B · NY Prosperity Bank $38.5B · TX Raymond James Bank $43.4B · FL

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.

Bank OZK Call Report profile · FDIC Failed Bank List · Arkansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arkansas

All Arkansas banks →
BankAssetsGradeROA
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%