{"id":801786,"date":"2025-01-16T16:05:21","date_gmt":"2025-01-16T21:05:21","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\/"},"modified":"2025-01-16T16:05:21","modified_gmt":"2025-01-16T21:05:21","slug":"bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\/","title":{"rendered":"Bank OZK Announces Record Fourth Quarter and Full Year 2024 Earnings"},"content":{"rendered":"
\n

LITTLE ROCK, Ark., Jan. 16, 2025 (GLOBE NEWSWIRE) — Bank OZK (the \u201cBank\u201d) (Nasdaq: OZK) today announced that net income available to common stockholders for the fourth quarter of 2024 was $178.1 million, its ninth consecutive quarterly record and a 4.1% increase from $171.1 million for the fourth quarter of 2023. For the full year of 2024, net income available to common stockholders was a record $700.3 million, a 3.8% increase from $674.6 million for the full year of 2023.<\/p>\n

Diluted earnings per common share for the fourth quarter of 2024 were $1.56, its ninth consecutive quarterly record and a 4.0% increase from $1.50 for the fourth quarter of 2023. For the full year of 2024, diluted earnings per common share were a record $6.14, a 4.6% increase from $5.87 for the full year of 2023.<\/p>\n

Pre-tax pre-provision net revenue (\u201cPPNR\u201d) was $272.2 million for the fourth quarter of 2024, a 3.7% increase from $262.6 million for the fourth quarter of 2023, but a 3.7% decrease from the third quarter of 2024. For the full year of 2024, PPNR was a record $1.11 billion, a 7.2% increase from $1.03 billion for the full year of 2023. The calculation of PPNR and the reconciliation to generally accepted accounting principles (\u201cGAAP\u201d) are included in the schedules accompanying this release.<\/p>\n

Provision for credit losses was $37.2 million for the fourth quarter of 2024 compared to $43.8 million for the fourth quarter of 2023, while our net charge-offs were only $12.4 million and $4.1 million, respectively. For the full year of 2024, provision for credit losses was $175.6 million compared to $165.5 million for the full year of 2023, while our net charge-offs were only $57.4 million and $29.5 million, respectively. The Bank\u2019s allowance for credit losses (\u201cACL\u201d) was $619.4 million at December 31, 2024, an increase of $118.1 million or 23.6% compared to $501.2 million at December 31, 2023.<\/p>\n

The Bank\u2019s annualized returns on average assets, average common stockholders\u2019 equity and average tangible common stockholders\u2019 equity for the fourth quarter of 2024 were 1.87%, 13.33% and 15.22%, respectively, compared to 2.04%, 14.58% and 16.99%, respectively, for the fourth quarter of 2023. The Bank\u2019s returns on average assets, average common stockholders\u2019 equity and average tangible common stockholders\u2019 equity for the full year of 2024 were 1.91%, 13.77% and 15.82%, respectively, compared to 2.20%, 14.93% and 17.50%, respectively, for the full year of 2023. The calculation of the Bank\u2019s returns on average common stockholders\u2019 equity and average tangible common stockholders\u2019 equity and the reconciliations to GAAP are included in the schedules accompanying this release.<\/p>\n

George Gleason, Chairman and Chief Executive Officer stated, \u201cWe are very pleased to have achieved record net income and earnings per share in each quarter of 2024 and for the full year. Our results for the quarter just ended were our ninth consecutive quarter of record net income and record earnings per share. Our consistent achievement of record earnings, while maintaining sound asset quality, has allowed us to accumulate capital, increase dividends and significantly expand and grow our business.\u201d<\/p>\n

\n
\n KEY BALANCE SHEET METRICS<\/u>
\n <\/strong>\n <\/p>\n

Loans were $29.97 billion at December 31, 2024, a 13.3% increase from $26.46 billion at December 31, 2023. Deposits were $31.04 billion at December 31, 2024, a 13.3% increase from $27.41 billion at December 31, 2023. Total assets were $38.26 billion at December 31, 2024, an 11.7% increase from $34.24 billion at December 31, 2023.<\/p>\n

Common stockholders\u2019 equity was $5.37 billion at December 31, 2024, an 11.8% increase from $4.80 billion at December 31, 2023. Tangible common stockholders\u2019 equity was $4.71 billion at December 31, 2024, a 13.7% increase from $4.14 billion at December 31, 2023.<\/p>\n

Book value per common share was $47.30 at December 31, 2024, an 11.5% increase from $42.42 at December 31, 2023. Tangible book value per common share was $41.48 at December 31, 2024, a 13.4% increase from $36.58 at December 31, 2023.<\/p>\n

The Bank’s strong earnings and earnings retention rate, among other factors, have contributed to its robust capital ratios. The Bank\u2019s ratio of total common stockholders\u2019 equity to total assets was 14.03% at December 31, 2024, compared to 14.02% at December 31, 2023. Its ratio of total tangible common stockholders\u2019 equity to total tangible assets was 12.52% at December 31, 2024, compared to 12.33% at December 31, 2023. The calculations of the Bank\u2019s total common stockholders\u2019 equity, tangible common stockholders\u2019 equity, tangible book value per common share, and ratio of total tangible common stockholders\u2019 equity to total tangible assets and the reconciliations to GAAP are included in the schedules accompanying this release.<\/p>\n

\n
\n ASSET QUALITY<\/u>
\n <\/strong>\n <\/p>\n

The Bank\u2019s ratio of nonperforming loans to loans was 0.44% at December 31, 2024, compared to 0.23% as of December 31, 2023. The Bank\u2019s ratio of nonperforming assets to total assets was 0.53% at December 31, 2024, compared to 0.38% as of December 31, 2023. The Bank’s annualized ratio of net charge-offs of loans to average loans was 0.16% for the fourth quarter and 0.20% for the year ended December 31, 2024, compared to 0.06% for the fourth quarter and 0.13% for the year ended December 31, 2023.<\/p>\n

\n
\n MANAGEMENT COMMENTS, CONFERENCE CALL, TRANSCRIPT AND FILINGS <\/u>
\n <\/strong>\n <\/p>\n

In connection with this release, the Bank released management comments on its quarterly results, which are available at https:\/\/ir.ozk.com<\/u><\/a>. This release should be read in conjunction with management comments on the fourth quarter and full year 2024 results.<\/p>\n

Management will conduct a conference call to take questions at 10:00 a.m. CT (11:00 a.m. ET) on Friday, January 17, 2025. Interested parties may access the conference call live via webcast on the Bank\u2019s investor relations website at https:\/\/ir.ozk.com\/news\/event-calendar<\/u><\/a>, or may participate via telephone by registering using this online form<\/u><\/a>. Upon registration, all telephone participants will receive the dial-in number along with a unique PIN number that can be used to access the call. A replay of the conference call webcast will be archived on the Bank’s website for at least 30 days.<\/p>\n

The Bank files annual, quarterly and current reports, proxy materials, and other information required by the Securities Exchange Act of 1934 with the Federal Deposit Insurance Corporation (\u201cFDIC\u201d), copies of which are available electronically at the FDIC\u2019s website at\u00a0https:\/\/efr.fdic.gov\/fcxweb\/efr\/index.html<\/u><\/a>\u00a0and are also available on the Bank\u2019s investor relations website at\u00a0ir.ozk.com<\/u><\/a>. To receive automated email alerts for these materials please visit\u00a0https:\/\/ir.ozk.com\/other\/email-alerts<\/u><\/a>\u00a0to sign up.<\/p>\n

\n
\n NON-GAAP FINANCIAL MEASURES <\/u>
\n <\/strong>\n <\/p>\n

This release contains certain non-GAAP financial measures.\u00a0The Bank uses these non-GAAP financial measures, specifically return on average common stockholders\u2019 equity, return on average tangible common stockholders\u2019 equity, tangible book value per common share, total common stockholders\u2019 equity, total tangible common stockholders\u2019 equity, the ratio of total tangible common stockholders\u2019 equity to total tangible assets, and PPNR, to assess the strength of its capital, its ability to generate earnings on tangible capital invested by its shareholders and trends in its net revenue. These measures adjust GAAP financial measures to exclude certain financial measures, such as, preferred stock, goodwill, provision for income taxes, provision for credit loses, and other measures. Management believes presentation of these non-GAAP financial measures provides useful supplemental information which contributes to a proper understanding of the financial results and capital levels of the Bank. These non-GAAP disclosures should not be viewed as a substitute for financial results determined in accordance with GAAP, and they are not necessarily comparable to non-GAAP performance measures that may be presented by other banks. Reconciliations of these non-GAAP financial measures to the most directly comparable GAAP financial measures are included in the tables at the end of this release under the caption \u201cReconciliation of Non-GAAP Financial Measures.\u201d<\/p>\n

\n
\n FORWARD-LOOKING STATEMENTS<\/u>
\n <\/strong>\n <\/p>\n

This press release and other communications by the Bank include certain \u201cforward-looking statements\u201d regarding the Bank\u2019s plans, expectations, thoughts, beliefs, estimates, goals and outlook for the future that are intended to be covered by the Private Securities Litigation Reform Act of 1995. Forward-looking statements are based on management\u2019s expectations as well as certain assumptions and estimates made by, and information available to, management at the time. Those statements are not guarantees of future results or performance and are subject to certain known and unknown risks, uncertainties and other factors that may cause actual results to differ materially from those expressed in, or implied by, such forward-looking statements. These risks, uncertainties and other factors include, but are not limited to: potential delays or other problems in implementing the Bank\u2019s growth, expansion and acquisition strategies, including obtaining regulatory or other approvals, delays in acquiring satisfactory sites, obtaining permits and designing, constructing and opening new offices, relocating, selling or closing existing offices, or integrating any acquisitions; the availability of and access to capital; possible downgrades in the Bank\u2019s credit ratings or outlook which could increase the costs of or decrease the availability of funding from capital markets; the ability to attract new or retain existing deposits or to retain or grow loans, including growth from unfunded closed loans; the ability to generate future revenue growth or to control future growth in non-interest expense; interest rate fluctuations, including changes in the yield curve between short-term and long-term interest rates or changes in the relative relationships of various interest rate indices; competitive factors and pricing pressures, including their effect on the Bank\u2019s net interest margin or core spread; general economic, unemployment, credit market and real estate market conditions, and the effect of such conditions on the creditworthiness of borrowers, collateral values, the value of investment securities and asset recovery values; conditions within the banking industry; recently enacted and potential new laws and regulatory requirements or changes to existing laws and regulatory requirements, including changes affecting oversight of the financial services industry, changes intended to manage or mitigate climate and related environmental risks or changes in the interpretation and enforcement of such laws and requirements; changes as a result of the recent U.S. presidential and congressional elections; impacts of potential changes in U.S. tax, tariff and immigration laws, regulations and policies; the costs and expenses to comply with new and\/or existing legislation and regulatory requirements; uncertainty regarding changes in U.S. government monetary and fiscal policy; the impact of any U.S. federal government shutdown or budgetary crisis; FDIC special assessments or changes to regular assessments; the ability to keep pace with technological changes, including changes regarding artificial intelligence and maintaining cybersecurity; the impact of any failure in, or breach of, our operational or security systems or infrastructure, or those of third parties with whom we do business or others, including as a result of cyberattacks or an increase in the incidence or severity of fraud, illegal payments, security breaches or other illegal acts impacting the Bank, its customers or others; natural disasters; acts of war or terrorism; the potential impact of continuing inflationary pressures; the potential impact of supply chain disruptions; national or international political instability or military conflict, including the conflict in the Middle East and the ongoing war in Ukraine; competition for and costs of recruiting and retaining qualified personnel; impairment of our goodwill; adoption of new accounting standards, or changes in existing standards; and adverse results (including costs, fines, reputational harm and\/or other negative effects) from current or future litigation, regulatory examinations or other legal and\/or regulatory actions or rulings as well as other factors identified in this communication or as detailed from time to time in our public filings, including those factors described in the disclosures under the headings \u201cForward-Looking Information\u201d and \u201cItem 1A. Risk Factors\u201d in our most recent Annual Report on Form 10-K for the year ended December 31, 2023 and our quarterly reports on Form 10-Q. Should one or more of the foregoing risks materialize, or should underlying assumptions prove incorrect, actual results or outcomes may vary materially from those described in, or implied by, such forward-looking statements. The Bank disclaims any obligation to update or revise any forward-looking statements based on the occurrence of future events, the receipt of new information or otherwise.<\/p>\n

\n
\n GENERAL INFORMATION<\/u>
\n <\/strong>\n <\/p>\n

Bank OZK (Nasdaq: OZK) is a regional bank providing innovative financial solutions delivered by expert bankers with a relentless pursuit of excellence. Established in 1903, Bank OZK conducts banking operations in more than 240 offices in nine states including Arkansas, Georgia, Florida, North Carolina, Texas, Tennessee, New York, California and Mississippi and had $38.26 billion in total assets as of December 31, 2024. For more information, visit www.ozk.com<\/u><\/a>.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Consolidated Balance Sheets<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n December 31,<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n(Dollars in thousands)<\/td>\n<\/tr>\n
\n ASSETS<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Cash and cash equivalents<\/td>\n\u00a0<\/td>\n$<\/td>\n2,781,101<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,149,529<\/td>\n\u00a0<\/td>\n<\/tr>\n
Investment securities \u2013 available for sale (\u201cAFS\u201d)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,836,150<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,244,371<\/td>\n\u00a0<\/td>\n<\/tr>\n
Federal Home Loan Bank of Dallas (\u201cFHLB\u201d) and other bankers\u2019 bank stocks<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39,930<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,400<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29,968,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,459,075<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(465,547<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(339,394<\/td>\n)<\/td>\n<\/tr>\n
Net Loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29,503,320<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,119,681<\/td>\n\u00a0<\/td>\n<\/tr>\n
Premises and equipment, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n739,111<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n676,821<\/td>\n\u00a0<\/td>\n<\/tr>\n
Foreclosed assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n69,381<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n61,720<\/td>\n\u00a0<\/td>\n<\/tr>\n
Accrued interest receivable<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n174,025<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n170,110<\/td>\n\u00a0<\/td>\n<\/tr>\n
Bank owned life insurance (\u201cBOLI\u201d)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n829,405<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n808,490<\/td>\n\u00a0<\/td>\n<\/tr>\n
Goodwill<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n660,789<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n660,789<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n625,640<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n295,546<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n\u00a0<\/td>\n$<\/td>\n38,258,852<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n34,237,457<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n LIABILITIES AND STOCKHOLDERS\u2019 EQUITY<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposits:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Demand non-interest bearing<\/td>\n\u00a0<\/td>\n$<\/td>\n3,769,543<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,095,874<\/td>\n\u00a0<\/td>\n<\/tr>\n
Savings and interest bearing transaction<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,954,723<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,074,296<\/td>\n\u00a0<\/td>\n<\/tr>\n
Time<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,318,806<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,234,973<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31,043,072<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,405,143<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other borrowings<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n420,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n805,318<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated notes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n348,575<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n347,761<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated debentures<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n113,652<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n121,652<\/td>\n\u00a0<\/td>\n<\/tr>\n
Reserve for losses on unfunded loan commitments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n153,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n161,834<\/td>\n\u00a0<\/td>\n<\/tr>\n
Accrued interest payable and other liabilities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n472,733<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n255,773<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32,552,658<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29,097,481<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commitments and contingencies<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Stockholders\u2019 equity:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Preferred Stock: $0.01 par value; 100,000,000 shares authorized;
\u00a0\u00a0 14,000,000 issued and outstanding at December 31, 2024 and
December 31, 2023<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n338,980<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n338,980<\/td>\n\u00a0<\/td>\n<\/tr>\n
Common Stock: $0.01 par value; 300,000,000 shares authorized;
\u00a0\u00a0\u00a0 113,457,726 and 113,148,672 shares issued and outstanding at
\u00a0\u00a0\u00a0 December 31, 2024 and December 31, 2023, respectively<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n1,135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,131<\/td>\n\u00a0<\/td>\n<\/tr>\n
Additional paid-in capital<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,625,506<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,612,446<\/td>\n\u00a0<\/td>\n<\/tr>\n
Retained earnings<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,816,138<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,283,818<\/td>\n\u00a0<\/td>\n<\/tr>\n
Accumulated other comprehensive loss<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(76,136<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(97,374<\/td>\n)<\/td>\n<\/tr>\n
Total stockholders\u2019 equity before noncontrolling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,705,623<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,139,001<\/td>\n\u00a0<\/td>\n<\/tr>\n
Noncontrolling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n571<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n975<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,706,194<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,139,976<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities and stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n$<\/td>\n38,258,852<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n34,237,457<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Consolidated Statements of Income<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Three Months Ended<\/strong>
\n
\n December 31,<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n Year Ended<\/strong>
\n
\n December 31,<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n(Dollars in thousands, except per share amounts)<\/td>\n<\/tr>\n
Interest income:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans<\/td>\n\u00a0<\/td>\n$<\/td>\n615,384<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n563,256<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,458,551<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,991,546<\/td>\n\u00a0<\/td>\n<\/tr>\n
Investment securities:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Taxable<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,736<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,667<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n34,736<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39,429<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tax-exempt<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,192<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,670<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46,067<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38,957<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposits with banks<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,324<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,901<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n110,223<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n58,241<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n662,636<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n605,494<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,649,577<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,128,173<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest expense:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n273,119<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n218,474<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,084,855<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n627,050<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other borrowings<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,153<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,329<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,819<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n41,669<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated notes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,631<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,631<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,439<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,439<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated debentures<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,335<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,512<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,740<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,530<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n283,238<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n234,946<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,115,853<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n688,688<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n379,398<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n370,548<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,533,724<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,439,485<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n37,174<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,832<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n175,552<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n165,470<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income after provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n342,224<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n326,716<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,358,172<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,274,015<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest income:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposit-related fees:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
NSF fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,129<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,228<\/td>\n\u00a0<\/td>\n<\/tr>\n
Overdraft fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,488<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,571<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,842<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,831<\/td>\n\u00a0<\/td>\n<\/tr>\n
All other service charges<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,537<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,333<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29,495<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,995<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loan-related fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,786<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,755<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28,144<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,920<\/td>\n\u00a0<\/td>\n<\/tr>\n
BOLI income:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Increase in cash surrender value<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,807<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,401<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,677<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,696<\/td>\n\u00a0<\/td>\n<\/tr>\n
Death benefits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,966<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,344<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,966<\/td>\n\u00a0<\/td>\n<\/tr>\n
Trust income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,632<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,165<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,567<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,524<\/td>\n\u00a0<\/td>\n<\/tr>\n
Gains on sales of other assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n582<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,288<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,417<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,029<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net gains on investment securities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,177<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n560<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,243<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,110<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,242<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,367<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,117<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total non-interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32,942<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n37,027<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n124,413<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n122,549<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest expense:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Salaries and employee benefits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n77,719<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n66,270<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n296,016<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n258,846<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net occupancy and equipment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,901<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,234<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n71,676<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n72,591<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other operating expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n44,507<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n61,507<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n183,601<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n198,124<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total non-interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n140,127<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n145,011<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n551,293<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n529,561<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Income before taxes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n235,039<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n218,732<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n931,292<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n867,003<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for income taxes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n52,831<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,600<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n214,789<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n176,164<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n182,208<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n175,132<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n716,503<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n690,839<\/td>\n\u00a0<\/td>\n<\/tr>\n
Earnings attributable to noncontrolling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(26<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(6<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(47<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(56<\/td>\n)<\/td>\n<\/tr>\n
Preferred stock dividends<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,187<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,187<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income available to common stockholders<\/td>\n\u00a0<\/td>\n$<\/td>\n178,135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n171,079<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n700,269<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n674,596<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Basic earnings per common share<\/td>\n\u00a0<\/td>\n$<\/td>\n1.57<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.51<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n6.16<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5.89<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Diluted earnings per common share<\/td>\n\u00a0<\/td>\n$<\/td>\n1.56<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.50<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n6.14<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5.87<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Consolidated Statements of Stockholders\u2019 Equity<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Preferred Stock<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Common Stock<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Additional<\/strong>
\n
\n Paid-in<\/strong>
\n
\n Capital<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n Retained Earnings<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Accumulated Other Comprehensive (Loss) Income<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Non-Controlling Interest<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Total<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n(Dollars in thousands, except per share amounts)<\/td>\n<\/tr>\n
\n Three months ended December 31, 2024:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 September 30, 2024<\/td>\n\u00a0<\/td>\n$<\/td>\n338,980<\/td>\n\u00a0<\/td>\n$<\/td>\n1,135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,619,832<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,684,869<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(51,957<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n696<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,593,555<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n182,208<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n182,208<\/td>\n\u00a0<\/td>\n<\/tr>\n
Earnings attributable to noncontrolling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(26<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total other comprehensive income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(24,179<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(24,179<\/td>\n)<\/td>\n<\/tr>\n
Preferred stock dividends, $0.28906 per share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,047<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,047<\/td>\n)<\/td>\n<\/tr>\n
Common stock dividends, $0.41 per share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(46,866<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(46,866<\/td>\n)<\/td>\n<\/tr>\n
Return of capital paid to non-controlling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(151<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(151<\/td>\n)<\/td>\n<\/tr>\n
Issuance of 11,290 shares of common stock pursuant to stock-based compensation plans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n417<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n417<\/td>\n\u00a0<\/td>\n<\/tr>\n
Stock-based compensation expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,257<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,257<\/td>\n\u00a0<\/td>\n<\/tr>\n
Forfeitures of 3,450 shares of\u00a0unvested restricted common stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 December 31, 2024<\/td>\n\u00a0<\/td>\n$<\/td>\n338,980<\/td>\n\u00a0<\/td>\n$<\/td>\n1,135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,625,506<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,816,138<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(76,136<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n571<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,706,194<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Year ended December 31, 2024:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 December 31, 2023<\/td>\n\u00a0<\/td>\n$<\/td>\n338,980<\/td>\n\u00a0<\/td>\n$<\/td>\n1,131<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,612,446<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,283,818<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(97,374<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n975<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,139,976<\/td>\n\u00a0<\/td>\n<\/tr>\n
Cumulative effect of change in accounting principle<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,690<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,690<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 January 1, 2024<\/td>\n\u00a0<\/td>\n$<\/td>\n338,980<\/td>\n\u00a0<\/td>\n$<\/td>\n1,131<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,612,446<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,296,508<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(97,374<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n975<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,152,666<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n716,503<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n716,503<\/td>\n\u00a0<\/td>\n<\/tr>\n
Earnings attributable to noncontrolling
interest<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(47<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n47<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total other comprehensive income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,238<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,238<\/td>\n\u00a0<\/td>\n<\/tr>\n
Preferred stock dividends, $1.15624 per share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(16,187<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(16,187<\/td>\n)<\/td>\n<\/tr>\n
Common stock dividends, $1.58 per share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(180,639<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(180,639<\/td>\n)<\/td>\n<\/tr>\n
Return of capital to non-controlling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(451<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(451<\/td>\n)<\/td>\n<\/tr>\n
Issuance of 532,941 shares of common stock pursuant to stock-based compensation plans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n856<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n862<\/td>\n\u00a0<\/td>\n<\/tr>\n
Repurchase and cancellation of 11,903 shares of common stock under share repurchase program, including excise taxes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(462<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(462<\/td>\n)<\/td>\n<\/tr>\n
Repurchase and cancellation of 184,415 shares of common stock withheld for tax pursuant to stock-based compensation plans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(8,008<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(8,010<\/td>\n)<\/td>\n<\/tr>\n
Stock-based compensation expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,674<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,674<\/td>\n\u00a0<\/td>\n<\/tr>\n
Forfeitures of 27,569 shares of unvested\u00a0restricted common stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 December 31, 2024<\/td>\n\u00a0<\/td>\n$<\/td>\n338,980<\/td>\n\u00a0<\/td>\n$<\/td>\n1,135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,625,506<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,816,138<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(76,136<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n571<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,706,194<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Consolidated Statements of Stockholders\u2019 Equity<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Preferred Stock<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Common Stock<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Additional<\/strong>
\n
\n Paid-in<\/strong>
\n
\n Capital<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n Retained Earnings<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Accumulated Other Comprehensive (Loss) Income<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Non-Controlling Interest<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Total<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n(Dollars in thousands, except per share amounts)<\/td>\n<\/tr>\n
\n Three months ended December 31, 2023:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 September 30, 2023<\/td>\n\u00a0<\/td>\n$<\/td>\n338,980<\/td>\n\u00a0<\/td>\n$<\/td>\n1,131<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,607,510<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,154,869<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(198,986<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n1,409<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,904,913<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n175,132<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n175,132<\/td>\n\u00a0<\/td>\n<\/tr>\n
Earnings attributable to noncontrolling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(6<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total other comprehensive income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n101,612<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n101,612<\/td>\n\u00a0<\/td>\n<\/tr>\n
Preferred stock dividends, $0.28906 per share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,047<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,047<\/td>\n)<\/td>\n<\/tr>\n
Common stock dividends, $0.37 per share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(42,130<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(42,130<\/td>\n)<\/td>\n<\/tr>\n
Return of capital to non-controlling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(440<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(440<\/td>\n)<\/td>\n<\/tr>\n
Issuance of 17,018 shares of common\u00a0stock pursuant to stock-based\u00a0compensation plans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n547<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n547<\/td>\n\u00a0<\/td>\n<\/tr>\n
Stock-based compensation expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,389<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,389<\/td>\n\u00a0<\/td>\n<\/tr>\n
Forfeitures of 4,578 shares of unvested restricted common stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 December 31, 2023<\/td>\n\u00a0<\/td>\n$<\/td>\n338,980<\/td>\n\u00a0<\/td>\n$<\/td>\n1,131<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,612,446<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,283,818<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(97,374<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n975<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,139,976<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Year ended December 31, 2023:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 December 31, 2022<\/td>\n\u00a0<\/td>\n$<\/td>\n338,980<\/td>\n\u00a0<\/td>\n$<\/td>\n1,172<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,753,941<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,773,135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(177,649<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n1,359<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,690,938<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n690,839<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n690,839<\/td>\n\u00a0<\/td>\n<\/tr>\n
Earnings attributable to noncontrolling\u00a0interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(56<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n56<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total other comprehensive income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n80,275<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n80,275<\/td>\n\u00a0<\/td>\n<\/tr>\n
Preferred stock dividends, $1.15624 per share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(16,187<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(16,187<\/td>\n)<\/td>\n<\/tr>\n
Common stock dividends, $1.42 per share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(163,913<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(163,913<\/td>\n)<\/td>\n<\/tr>\n
Return of capital to non-controlling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(440<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(440<\/td>\n)<\/td>\n<\/tr>\n
Issuance of 522,651 shares of common\u00a0stock pursuant to stock-based\u00a0compensation plans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,166<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,171<\/td>\n\u00a0<\/td>\n<\/tr>\n
Repurchase and cancellation of 4,304,239\u00a0shares of common stock under share\u00a0repurchase program, including excise taxes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(44<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(151,421<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(151,465<\/td>\n)<\/td>\n<\/tr>\n
Repurchase and cancellation of 215,362\u00a0shares of common stock withheld for tax\u00a0pursuant to stock-based compensation\u00a0plans.<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(8,672<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(8,674<\/td>\n)<\/td>\n<\/tr>\n
Stock-based compensation expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,432<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,432<\/td>\n\u00a0<\/td>\n<\/tr>\n
Forfeitures of 31,306 shares of unvested\u00a0restricted common stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 December 31, 2023<\/td>\n\u00a0<\/td>\n$<\/td>\n338,980<\/td>\n\u00a0<\/td>\n$<\/td>\n1,131<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,612,446<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,283,818<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(97,374<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n975<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,139,976<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Summary of Non-Interest Expense<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Three Months Ended<\/strong>
\n
\n December 31,<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n Year Ended<\/strong>
\n
\n December 31,<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n(Dollars in thousands)<\/td>\n<\/tr>\n
Salaries and employee benefits<\/td>\n$<\/td>\n77,719<\/td>\n\u00a0<\/td>\n$<\/td>\n66,270<\/td>\n\u00a0<\/td>\n$<\/td>\n296,016<\/td>\n\u00a0<\/td>\n$<\/td>\n258,846<\/td>\n<\/tr>\n
Net occupancy and equipment<\/td>\n\u00a0<\/td>\n17,901<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,234<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n71,676<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n72,591<\/td>\n<\/tr>\n
Other operating expenses:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Software and data processing<\/td>\n\u00a0<\/td>\n10,964<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,577<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46,980<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39,212<\/td>\n<\/tr>\n
Professional and outside services<\/td>\n\u00a0<\/td>\n6,600<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,233<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24,872<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,423<\/td>\n<\/tr>\n
Deposit insurance and assessments<\/td>\n\u00a0<\/td>\n5,975<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,803<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,584<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n30,351<\/td>\n<\/tr>\n
Advertising and public relations<\/td>\n\u00a0<\/td>\n3,702<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,153<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,576<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,150<\/td>\n<\/tr>\n
Amortization of CRA and tax credit investments(1)<\/sup><\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,618<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,768<\/td>\n<\/tr>\n
Other<\/td>\n\u00a0<\/td>\n17,266<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,123<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n65,589<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n63,220<\/td>\n<\/tr>\n
Total non-interest expense<\/td>\n$<\/td>\n140,127<\/td>\n\u00a0<\/td>\n$<\/td>\n145,011<\/td>\n\u00a0<\/td>\n$<\/td>\n551,293<\/td>\n\u00a0<\/td>\n$<\/td>\n529,561<\/td>\n<\/tr>\n<\/table>\n

(1) Effective January 1, 2024, the Bank adopted ASU 2023-02, Investments-Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method, <\/em>which resulted in the amortization of the Bank’s CRA and tax credit investments being included in income tax expense instead of non-interest expense.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Summary of Total Loans Outstanding<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n December 31,<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n(Dollars in thousands)<\/td>\n<\/tr>\n
Real estate:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Residential 1-4 family<\/td>\n$<\/td>\n1,323,435<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.4<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n961,338<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.6<\/td>\n%<\/td>\n<\/tr>\n
Non-farm\/non-residential<\/td>\n\u00a0<\/td>\n7,842,692<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26.2<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,309,239<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20.1<\/td>\n\u00a0<\/td>\n<\/tr>\n
Construction\/land development<\/td>\n\u00a0<\/td>\n9,522,676<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31.8<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,653,487<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n44.0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Agricultural<\/td>\n\u00a0<\/td>\n296,898<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n256,423<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Multifamily residential<\/td>\n\u00a0<\/td>\n3,272,635<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.9<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,064,106<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7.8<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total real estate<\/td>\n\u00a0<\/td>\n22,258,336<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n74.3<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,244,593<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n76.5<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial and industrial<\/td>\n\u00a0<\/td>\n1,728,801<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.8<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,269,610<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.8<\/td>\n\u00a0<\/td>\n<\/tr>\n
Consumer<\/td>\n\u00a0<\/td>\n3,659,713<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.2<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,965,042<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.2<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other<\/td>\n\u00a0<\/td>\n2,322,017<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7.7<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,979,830<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7.5<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total loans<\/td>\n\u00a0<\/td>\n29,968,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n100.0<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,459,075<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n100.0<\/td>\n%<\/td>\n<\/tr>\n
Allowance for loan losses<\/td>\n\u00a0<\/td>\n(465,547<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(339,394<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net loans<\/td>\n$<\/td>\n29,503,320<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n26,119,681<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Allowance for Credit Losses<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Allowance for Loan Losses<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Reserve for Losses on Unfunded Loan Commitments<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Total Allowance for Credit Losses<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n(Dollars in thousands)<\/td>\n<\/tr>\n
\n Three months ended December 31, 2024:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 September 30, 2024<\/td>\n$<\/td>\n420,058<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n174,479<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n594,537<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs<\/td>\n\u00a0<\/td>\n(12,351<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(12,351<\/td>\n)<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n57,840<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(20,666<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n37,174<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 December 31, 2024<\/td>\n$<\/td>\n465,547<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n153,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n619,360<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Year ended December 31, 2024:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 December 31, 2023<\/td>\n$<\/td>\n339,394<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n161,834<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n501,228<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs<\/td>\n\u00a0<\/td>\n(57,420<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(57,420<\/td>\n)<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n183,573<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(8,021<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n175,552<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 December 31, 2024<\/td>\n$<\/td>\n465,547<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n153,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n619,360<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Three months ended December 31, 2023:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 September 30, 2023<\/td>\n$<\/td>\n303,358<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n158,128<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n461,486<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs<\/td>\n\u00a0<\/td>\n(4,090<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,090<\/td>\n)<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n40,126<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,706<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,832<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 December 31, 2023<\/td>\n$<\/td>\n339,394<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n161,834<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n501,228<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Year ended December 31, 2023:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 December 31, 2022<\/td>\n$<\/td>\n208,858<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n156,419<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n365,277<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs<\/td>\n\u00a0<\/td>\n(29,519<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(29,519<\/td>\n)<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n160,055<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,415<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n165,470<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 December 31, 2023<\/td>\n$<\/td>\n339,394<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n161,834<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n501,228<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Summary of Deposits \u2013 By Customer Type<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n December 31,<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n(Dollars in thousands)<\/td>\n<\/tr>\n
Non-interest bearing<\/td>\n$<\/td>\n3,769,543<\/td>\n\u00a0<\/td>\n12.1<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n4,095,874<\/td>\n\u00a0<\/td>\n14.9<\/td>\n%<\/td>\n<\/tr>\n
Interest bearing:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Consumer and commercial:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Consumer \u2013 Non-Time<\/td>\n\u00a0<\/td>\n2,983,401<\/td>\n\u00a0<\/td>\n9.6<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,792,199<\/td>\n\u00a0<\/td>\n10.2<\/td>\n\u00a0<\/td>\n<\/tr>\n
Consumer \u2013 Time<\/td>\n\u00a0<\/td>\n13,446,545<\/td>\n\u00a0<\/td>\n43.3<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,216,217<\/td>\n\u00a0<\/td>\n37.3<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial \u2013 Non-Time<\/td>\n\u00a0<\/td>\n2,728,307<\/td>\n\u00a0<\/td>\n8.8<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,439,175<\/td>\n\u00a0<\/td>\n8.9<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial \u2013 Time<\/td>\n\u00a0<\/td>\n970,320<\/td>\n\u00a0<\/td>\n3.1<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n767,566<\/td>\n\u00a0<\/td>\n2.8<\/td>\n\u00a0<\/td>\n<\/tr>\n
Public funds<\/td>\n\u00a0<\/td>\n3,964,350<\/td>\n\u00a0<\/td>\n12.8<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,725,766<\/td>\n\u00a0<\/td>\n13.6<\/td>\n\u00a0<\/td>\n<\/tr>\n
Brokered<\/td>\n\u00a0<\/td>\n2,611,464<\/td>\n\u00a0<\/td>\n8.4<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,655,317<\/td>\n\u00a0<\/td>\n9.7<\/td>\n\u00a0<\/td>\n<\/tr>\n
Reciprocal<\/td>\n\u00a0<\/td>\n569,142<\/td>\n\u00a0<\/td>\n1.9<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n713,029<\/td>\n\u00a0<\/td>\n2.6<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total deposits<\/td>\n$<\/td>\n31,043,072<\/td>\n\u00a0<\/td>\n100.0<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n27,405,143<\/td>\n\u00a0<\/td>\n100.0<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Selected Consolidated Financial Data<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Three Months Ended<\/strong>
\n
\n December 31,<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n Year Ended<\/strong>
\n
\n December 31,<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n % <\/strong>
\n
\n Change<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n %<\/strong>
\n
\n Change<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n(Dollars in thousands, except per share amounts)<\/td>\n<\/tr>\n
\n
\n Income statement data:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income<\/td>\n$<\/td>\n379,398<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n370,548<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.4<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n1,533,724<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,439,485<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.5<\/td>\n%<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n37,174<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,832<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(15.2<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n175,552<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n165,470<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.1<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest income<\/td>\n\u00a0<\/td>\n32,942<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n37,027<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(11.0<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n124,413<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n122,549<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.5<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest expense<\/td>\n\u00a0<\/td>\n140,127<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n145,011<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3.4<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n551,293<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n529,561<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.1<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n\u00a0<\/td>\n182,208<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n175,132<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n716,503<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n690,839<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.7<\/td>\n\u00a0<\/td>\n<\/tr>\n
Preferred stock dividends<\/td>\n\u00a0<\/td>\n4,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,187<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,187<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income available to common stockholders<\/td>\n\u00a0<\/td>\n178,135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n171,079<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.1<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n700,269<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n674,596<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.8<\/td>\n\u00a0<\/td>\n<\/tr>\n
Pre-tax pre-provision net revenue (1)<\/sup><\/td>\n\u00a0<\/td>\n272,213<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n262,564<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.7<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,106,844<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,032,473<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7.2<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Common share and per common share data:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Diluted earnings per common share<\/td>\n$<\/td>\n1.56<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.50<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.0<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n6.14<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5.87<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.6<\/td>\n%<\/td>\n<\/tr>\n
Basic earnings per common share<\/td>\n\u00a0<\/td>\n1.57<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.51<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.16<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.89<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.6<\/td>\n\u00a0<\/td>\n<\/tr>\n
Common stock dividends per share<\/td>\n\u00a0<\/td>\n0.41<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.37<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.8<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.58<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.42<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.3<\/td>\n\u00a0<\/td>\n<\/tr>\n
Book value per common share<\/td>\n\u00a0<\/td>\n47.30<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42.42<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.5<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n47.30<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42.42<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.5<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible book value per common share (1)<\/sup><\/td>\n\u00a0<\/td>\n41.48<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n36.58<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.4<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n41.48<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n36.58<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.4<\/td>\n\u00a0<\/td>\n<\/tr>\n
Weighted-average diluted shares outstanding (thousands)<\/td>\n\u00a0<\/td>\n114,101<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n113,756<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.3<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n114,015<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n114,833<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(0.7<\/td>\n)<\/td>\n<\/tr>\n
End of period shares outstanding (thousands)<\/td>\n\u00a0<\/td>\n113,458<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n113,149<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.3<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n113,458<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n113,149<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.3<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Balance sheet data at period end:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n$<\/td>\n38,258,852<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n34,237,457<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.7<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n38,258,852<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n34,237,457<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.7<\/td>\n%<\/td>\n<\/tr>\n
Loans<\/td>\n\u00a0<\/td>\n29,968,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,459,075<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.3<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29,968,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,459,075<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.3<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan losses<\/td>\n\u00a0<\/td>\n465,547<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n339,394<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n37.2<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n465,547<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n339,394<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n37.2<\/td>\n\u00a0<\/td>\n<\/tr>\n
Foreclosed assets<\/td>\n\u00a0<\/td>\n69,381<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n61,720<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.4<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n69,381<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n61,720<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.4<\/td>\n\u00a0<\/td>\n<\/tr>\n
Investment securities \u2013 AFS<\/td>\n\u00a0<\/td>\n2,836,150<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,244,371<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(12.6<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,836,150<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,244,371<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(12.6<\/td>\n)<\/td>\n<\/tr>\n
Deposits<\/td>\n\u00a0<\/td>\n31,043,072<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,405,143<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.3<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31,043,072<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,405,143<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.3<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other borrowings<\/td>\n\u00a0<\/td>\n420,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n805,318<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(47.7<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n420,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n805,318<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(47.7<\/td>\n)<\/td>\n<\/tr>\n
Unfunded loan commitments<\/td>\n\u00a0<\/td>\n19,078,633<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,561,029<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(7.2<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,078,633<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,561,029<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(7.2<\/td>\n)<\/td>\n<\/tr>\n
Reserve for losses on unfunded loan commitments<\/td>\n\u00a0<\/td>\n153,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n161,834<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5.0<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n153,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n161,834<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5.0<\/td>\n)<\/td>\n<\/tr>\n
Total common stockholders\u2019 equity (1)<\/sup><\/td>\n\u00a0<\/td>\n5,366,643<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,800,021<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.8<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,366,643<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,800,021<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.8<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total tangible common stockholders\u2019 equity (1)<\/sup><\/td>\n\u00a0<\/td>\n4,705,854<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,139,232<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.7<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,705,854<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,139,232<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.7<\/td>\n\u00a0<\/td>\n<\/tr>\n
Accumulated other comprehensive loss<\/td>\n\u00a0<\/td>\n(76,136<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(97,374<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(76,136<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(97,374<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loan to deposit ratio<\/td>\n\u00a0<\/td>\n96.54<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n96.55<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n96.54<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n96.55<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Selected ratios:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average assets (2)<\/sup><\/td>\n\u00a0<\/td>\n1.87<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.04<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.91<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.20<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average common stockholders\u2019 equity (1) (2)<\/sup><\/td>\n\u00a0<\/td>\n13.33<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.58<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.77<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.93<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average tangible common stockholders\u2019 equity (1) (2)<\/sup><\/td>\n\u00a0<\/td>\n15.22<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.99<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.82<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17.50<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total tangible common stockholders\u2019 equity to total tangible assets (1)<\/sup><\/td>\n\u00a0<\/td>\n12.52<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.33<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.52<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.33<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest margin \u2013 FTE (2)<\/sup><\/td>\n\u00a0<\/td>\n4.33<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.82<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.56<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.16<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Efficiency ratio<\/td>\n\u00a0<\/td>\n33.71<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35.33<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n33.00<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n33.67<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs to average loans (2)<\/sup><\/td>\n\u00a0<\/td>\n0.16<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.06<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.20<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.13<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Nonperforming loans to loans<\/td>\n\u00a0<\/td>\n0.44<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.25<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.44<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.25<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Nonperforming assets to total assets<\/td>\n\u00a0<\/td>\n0.53<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.38<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.53<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.38<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan losses to loans<\/td>\n\u00a0<\/td>\n1.55<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.28<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.55<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.28<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for credit losses to loans and unfunded\u00a0loan commitments<\/td>\n\u00a0<\/td>\n1.26<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.07<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.26<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.07<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Other information:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-accrual loans<\/td>\n$<\/td>\n131,494<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n66,677<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n131,494<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n66,677<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n (1)\u00a0\u00a0<\/sup>Calculations of pre-tax pre-provision net revenue, total common stockholders\u2019 equity, tangible book value per common share and returns on average common stockholders\u2019 equity and average tangible common stockholders\u2019 equity, total tangible common stockholders’ equity to total tangible assets and the reconciliations to GAAP are included in the schedules accompanying this release.
(2)\u00a0\u00a0<\/sup>Ratios for interim periods annualized based on actual days.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Selected Consolidated Financial Data (continued)<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n December 31, 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\n % <\/strong>
\n
\n Change<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n(Dollars in thousands, except per share amounts)<\/td>\n<\/tr>\n
\n
\n Income statement data:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income<\/td>\n$<\/td>\n379,398<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n389,398<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2.6<\/td>\n%)<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n37,174<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46,443<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(20.0<\/td>\n)<\/td>\n<\/tr>\n
Non-interest income<\/td>\n\u00a0<\/td>\n32,942<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n33,605<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2.0<\/td>\n)<\/td>\n<\/tr>\n
Non-interest expense<\/td>\n\u00a0<\/td>\n140,127<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n140,401<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(0.2<\/td>\n)<\/td>\n<\/tr>\n
Net income<\/td>\n\u00a0<\/td>\n182,208<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n181,206<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.6<\/td>\n\u00a0<\/td>\n<\/tr>\n
Preferred stock dividends<\/td>\n\u00a0<\/td>\n4,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income available to common stockholders<\/td>\n\u00a0<\/td>\n178,135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n177,147<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.6<\/td>\n\u00a0<\/td>\n<\/tr>\n
Pre-tax pre-provision net revenue (1)<\/sup><\/td>\n\u00a0<\/td>\n272,213<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n282,602<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3.7<\/td>\n)<\/td>\n<\/tr>\n
\n
\n Common share and per common share data:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Diluted earnings per common share<\/td>\n$<\/td>\n1.56<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.55<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.6<\/td>\n%<\/td>\n<\/tr>\n
Basic earnings per common share<\/td>\n\u00a0<\/td>\n1.57<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.56<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.6<\/td>\n\u00a0<\/td>\n<\/tr>\n
Common stock dividends per share<\/td>\n\u00a0<\/td>\n0.41<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.40<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.5<\/td>\n\u00a0<\/td>\n<\/tr>\n
Book value per common share<\/td>\n\u00a0<\/td>\n47.30<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46.31<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.1<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible book value per common share (1)<\/sup><\/td>\n\u00a0<\/td>\n41.48<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40.49<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.4<\/td>\n\u00a0<\/td>\n<\/tr>\n
Weighted-average diluted shares outstanding (thousands)<\/td>\n\u00a0<\/td>\n114,101<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n114,031<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.1<\/td>\n\u00a0<\/td>\n<\/tr>\n
End of period shares outstanding (thousands)<\/td>\n\u00a0<\/td>\n113,458<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n113,450<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Balance sheet data at period end:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n$<\/td>\n38,258,852<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n37,441,804<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.2<\/td>\n%<\/td>\n<\/tr>\n
Loans<\/td>\n\u00a0<\/td>\n29,968,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29,218,144<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.6<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan losses<\/td>\n\u00a0<\/td>\n465,547<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n420,058<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.8<\/td>\n\u00a0<\/td>\n<\/tr>\n
Foreclosed assets<\/td>\n\u00a0<\/td>\n69,381<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n77,949<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(11.0<\/td>\n)<\/td>\n<\/tr>\n
Investment securities \u2013 AFS<\/td>\n\u00a0<\/td>\n2,836,150<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,952,022<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3.9<\/td>\n)<\/td>\n<\/tr>\n
Deposits<\/td>\n\u00a0<\/td>\n31,043,072<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n30,571,613<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.5<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other borrowings<\/td>\n\u00a0<\/td>\n420,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n151,035<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n178.6<\/td>\n\u00a0<\/td>\n<\/tr>\n
Unfunded loan commitments<\/td>\n\u00a0<\/td>\n19,078,633<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,307,972<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1.2<\/td>\n)<\/td>\n<\/tr>\n
Reserve for losses on unfunded loan commitments<\/td>\n\u00a0<\/td>\n153,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n174,479<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(11.8<\/td>\n)<\/td>\n<\/tr>\n
Total common stockholders\u2019 equity (1)<\/sup><\/td>\n\u00a0<\/td>\n5,366,643<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,253,879<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.1<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total tangible common stockholders\u2019 equity (1)<\/sup><\/td>\n\u00a0<\/td>\n4,705,854<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,593,090<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.5<\/td>\n\u00a0<\/td>\n<\/tr>\n
Accumulated other comprehensive loss<\/td>\n\u00a0<\/td>\n(76,136<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(51,957<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loan to deposit ratio<\/td>\n\u00a0<\/td>\n96.54<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n95.57<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Selected ratios:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average assets (2)<\/sup><\/td>\n\u00a0<\/td>\n1.87<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.90<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average common stockholders\u2019 equity (1) (2)<\/sup><\/td>\n\u00a0<\/td>\n13.33<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.65<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average tangible common stockholders\u2019 equity (1) (2)<\/sup><\/td>\n\u00a0<\/td>\n15.22<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.65<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total tangible common stockholders\u2019 equity to total tangible assets (1)<\/sup><\/td>\n\u00a0<\/td>\n12.52<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.49<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest margin \u2013 FTE (2)<\/sup><\/td>\n\u00a0<\/td>\n4.33<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.55<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Efficiency ratio<\/td>\n\u00a0<\/td>\n33.71<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32.95<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs to average loans (2)<\/sup><\/td>\n\u00a0<\/td>\n0.16<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.36<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Nonperforming loans to loans<\/td>\n\u00a0<\/td>\n0.44<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.60<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Nonperforming assets to total assets<\/td>\n\u00a0<\/td>\n0.53<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.68<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan losses to loans<\/td>\n\u00a0<\/td>\n1.55<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.44<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for credit losses to loans and unfunded\u00a0loan commitments<\/td>\n\u00a0<\/td>\n1.26<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.23<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Other information:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-accrual loans<\/td>\n$<\/td>\n131,494<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n175,665<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n (1)\u00a0\u00a0<\/sup>Calculations of pre-tax pre-provision net revenue, total common stockholders\u2019 equity, tangible book value per common share and returns on average common stockholders\u2019 equity and average tangible common stockholders\u2019 equity, total tangible common stockholders’ equity to total tangible assets and the reconciliations to GAAP are included in the schedules accompanying this release.
(2)\u00a0\u00a0<\/sup>Ratios for interim periods annualized based on actual days.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Supplemental Quarterly Financial Data<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n 12\/31\/24<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 9\/30\/24<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 6\/30\/24<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3\/31\/24<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 12\/31\/23<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n(Dollars in thousands, except per share amounts)<\/td>\n<\/tr>\n
\n
\n Earnings summary:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income<\/td>\n$<\/td>\n379,398<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n389,398<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n387,994<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n376,934<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n370,548<\/td>\n\u00a0<\/td>\n<\/tr>\n
Federal tax (FTE) adjustment<\/td>\n\u00a0<\/td>\n3,324<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,151<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,037<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,030<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,925<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income (FTE)<\/td>\n\u00a0<\/td>\n382,722<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n392,549<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n391,031<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n379,964<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n373,473<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n(37,174<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(46,443<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(49,012<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(42,923<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(43,832<\/td>\n)<\/td>\n<\/tr>\n
Non-interest income<\/td>\n\u00a0<\/td>\n32,942<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n33,605<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28,782<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29,084<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n37,027<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest expense<\/td>\n\u00a0<\/td>\n(140,127<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(140,401<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(137,451<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(133,314<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(145,011<\/td>\n)<\/td>\n<\/tr>\n
Pre-tax income (FTE)<\/td>\n\u00a0<\/td>\n238,363<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n239,310<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n233,350<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n232,811<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n221,657<\/td>\n\u00a0<\/td>\n<\/tr>\n
FTE adjustment<\/td>\n\u00a0<\/td>\n(3,324<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,151<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,037<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,030<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,925<\/td>\n)<\/td>\n<\/tr>\n
Provision for income taxes<\/td>\n\u00a0<\/td>\n(52,831<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(54,953<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(52,778<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(54,226<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(43,600<\/td>\n)<\/td>\n<\/tr>\n
Noncontrolling interest<\/td>\n\u00a0<\/td>\n(26<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(12<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(18<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(6<\/td>\n)<\/td>\n<\/tr>\n
Preferred stock dividend<\/td>\n\u00a0<\/td>\n(4,047<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,047<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,047<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,047<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,047<\/td>\n)<\/td>\n<\/tr>\n
Net income available to common stockholders<\/td>\n$<\/td>\n178,135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n177,147<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n173,496<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n171,490<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n171,079<\/td>\n\u00a0<\/td>\n<\/tr>\n
Earnings per common share \u2013 diluted<\/td>\n$<\/td>\n1.56<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.55<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.52<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.51<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.50<\/td>\n\u00a0<\/td>\n<\/tr>\n
Pre-tax pre-provision net revenue (1)<\/sup><\/td>\n$<\/td>\n272,213<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n282,602<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n279,325<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n272,704<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n262,564<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Selected balance sheet data at period end:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n$<\/td>\n38,258,852<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n37,441,804<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n36,836,173<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n36,029,904<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n34,237,457<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans<\/td>\n\u00a0<\/td>\n29,968,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29,218,144<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28,673,685<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28,031,348<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,459,075<\/td>\n\u00a0<\/td>\n<\/tr>\n
Investment securities \u2013 AFS<\/td>\n\u00a0<\/td>\n2,836,150<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,952,022<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,981,929<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,072,391<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,244,371<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposits<\/td>\n\u00a0<\/td>\n31,043,072<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n30,571,613<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29,943,663<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29,406,070<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,405,143<\/td>\n\u00a0<\/td>\n<\/tr>\n
Unfunded loan commitments<\/td>\n\u00a0<\/td>\n19,078,633<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,307,972<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,737,557<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,458,796<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,561,029<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Allowance for credit losses:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balance at beginning of period<\/td>\n$<\/td>\n594,537<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n574,101<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n536,887<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n501,228<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n461,486<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs<\/td>\n\u00a0<\/td>\n(12,351<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(26,007<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(11,798<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(7,264<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,090<\/td>\n)<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n37,174<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46,443<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n49,012<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42,923<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,832<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balance at end of period<\/td>\n$<\/td>\n619,360<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n594,537<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n574,101<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n536,887<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n501,228<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan losses<\/td>\n$<\/td>\n465,547<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n420,058<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n407,079<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n365,935<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n339,394<\/td>\n\u00a0<\/td>\n<\/tr>\n
Reserve for losses on unfunded loan commitments<\/td>\n\u00a0<\/td>\n153,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n174,479<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n167,022<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n170,952<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n161,834<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total allowance for credit losses<\/td>\n$<\/td>\n619,360<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n594,537<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n574,101<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n536,887<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n501,228<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Selected ratios:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest margin \u2013 FTE (2)<\/sup><\/td>\n\u00a0<\/td>\n4.33<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.55<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.68<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.71<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.82<\/td>\n%<\/td>\n<\/tr>\n
Efficiency ratio<\/td>\n\u00a0<\/td>\n33.71<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32.95<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32.74<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32.59<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35.33<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs to average loans (2)<\/sup><\/td>\n\u00a0<\/td>\n0.16<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.36<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.17<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.11<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.06<\/td>\n\u00a0<\/td>\n<\/tr>\n
Nonperforming loans to loans<\/td>\n\u00a0<\/td>\n0.44<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.60<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.30<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.22<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.25<\/td>\n\u00a0<\/td>\n<\/tr>\n
Nonperforming assets to total assets<\/td>\n\u00a0<\/td>\n0.53<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.68<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.42<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.34<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.38<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan losses to loans<\/td>\n\u00a0<\/td>\n1.55<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.44<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.42<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.31<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.28<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for credit losses to loans\u00a0and unfunded loan commitments<\/td>\n\u00a0<\/td>\n1.26<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.23<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.19<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.11<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.07<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans past due 30 days or more, including past due\u00a0non-accrual loans, to total loans<\/td>\n\u00a0<\/td>\n0.17<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.14<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.17<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.18<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.21<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n (1)\u00a0\u00a0<\/sup>Calculations of pre-tax pre-provision net revenue and the reconciliation to GAAP are included in the schedules accompanying this release.
(2)\u00a0\u00a0<\/sup>Ratios for interim periods annualized based on actual days.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Average Consolidated Balance Sheets and Net Interest Analysis \u2013 FTE<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Three Months Ended December 31,<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Year Ended December 31,<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Average Balance<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Income\/ Expense<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Yield\/Rate<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Average Balance<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Income\/ Expense<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Yield\/Rate<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Average Balance<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Income\/ Expense<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Yield\/Rate<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Average Balance<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Income\/ Expense<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Yield\/Rate<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n(Dollars in thousands)<\/td>\n<\/tr>\n
\n ASSETS<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest earning assets:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest earning deposits<\/td>\n$<\/td>\n2,263,875<\/td>\n\u00a0<\/td>\n$<\/td>\n26,324<\/td>\n\u00a0<\/td>\n4.63<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n1,637,395<\/td>\n\u00a0<\/td>\n$<\/td>\n21,902<\/td>\n\u00a0<\/td>\n5.31<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n2,138,560<\/td>\n\u00a0<\/td>\n$<\/td>\n110,223<\/td>\n\u00a0<\/td>\n5.15<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n1,164,595<\/td>\n\u00a0<\/td>\n$<\/td>\n58,241<\/td>\n\u00a0<\/td>\n5.00<\/td>\n%<\/td>\n<\/tr>\n
Investment securities:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Taxable<\/td>\n\u00a0<\/td>\n1,679,300<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,736<\/td>\n\u00a0<\/td>\n2.07<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,143,606<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,667<\/td>\n\u00a0<\/td>\n1.79<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,846,639<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n34,736<\/td>\n\u00a0<\/td>\n1.88<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,299,254<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39,429<\/td>\n\u00a0<\/td>\n1.71<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tax-exempt \u2013 FTE<\/td>\n\u00a0<\/td>\n1,262,676<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,432<\/td>\n\u00a0<\/td>\n4.86<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,097,750<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,506<\/td>\n\u00a0<\/td>\n4.88<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,195,851<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n58,312<\/td>\n\u00a0<\/td>\n4.88<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,049,642<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n49,313<\/td>\n\u00a0<\/td>\n4.70<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total loans \u2013 FTE<\/td>\n\u00a0<\/td>\n29,952,752<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n615,468<\/td>\n\u00a0<\/td>\n8.17<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,861,611<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n563,344<\/td>\n\u00a0<\/td>\n8.64<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28,711,132<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,458,847<\/td>\n\u00a0<\/td>\n8.56<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,580,165<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,991,953<\/td>\n\u00a0<\/td>\n8.45<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total earning assets \u2013 FTE<\/td>\n\u00a0<\/td>\n35,158,603<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n665,960<\/td>\n\u00a0<\/td>\n7.54<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n30,740,362<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n608,419<\/td>\n\u00a0<\/td>\n7.85<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n33,892,182<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,662,118<\/td>\n\u00a0<\/td>\n7.85<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28,093,656<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,138,936<\/td>\n\u00a0<\/td>\n7.61<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest earning assets<\/td>\n\u00a0<\/td>\n2,679,566<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,538,592<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,723,606<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,550,276<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n$<\/td>\n37,838,169<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n33,278,954<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n36,615,788<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n30,643,932<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n LIABILITIES AND STOCKHOLDERS\u2019 EQUITY<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest bearing liabilities:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposits:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Savings and interest bearing transaction<\/td>\n$<\/td>\n9,371,509<\/td>\n\u00a0<\/td>\n$<\/td>\n64,674<\/td>\n\u00a0<\/td>\n2.75<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n9,004,724<\/td>\n\u00a0<\/td>\n$<\/td>\n64,165<\/td>\n\u00a0<\/td>\n2.83<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n9,247,175<\/td>\n\u00a0<\/td>\n$<\/td>\n269,072<\/td>\n\u00a0<\/td>\n2.91<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n9,152,060<\/td>\n\u00a0<\/td>\n$<\/td>\n211,498<\/td>\n\u00a0<\/td>\n2.31<\/td>\n%<\/td>\n<\/tr>\n
Time deposits<\/td>\n\u00a0<\/td>\n17,326,058<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n208,445<\/td>\n\u00a0<\/td>\n4.79<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,280,889<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n154,309<\/td>\n\u00a0<\/td>\n4.61<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,622,440<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n815,783<\/td>\n\u00a0<\/td>\n4.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,543,800<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n415,552<\/td>\n\u00a0<\/td>\n3.94<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total interest bearing deposits<\/td>\n\u00a0<\/td>\n26,697,567<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n273,119<\/td>\n\u00a0<\/td>\n4.07<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,285,613<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n218,474<\/td>\n\u00a0<\/td>\n3.89<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,869,615<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,084,855<\/td>\n\u00a0<\/td>\n4.19<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,695,860<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n627,050<\/td>\n\u00a0<\/td>\n3.18<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other borrowings (1)<\/sup><\/td>\n\u00a0<\/td>\n500,286<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,153<\/td>\n\u00a0<\/td>\n4.10<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n863,828<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,329<\/td>\n\u00a0<\/td>\n5.20<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n257,055<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,819<\/td>\n\u00a0<\/td>\n4.21<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n803,797<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n41,669<\/td>\n\u00a0<\/td>\n5.18<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated notes<\/td>\n\u00a0<\/td>\n348,475<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,631<\/td>\n\u00a0<\/td>\n3.00<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n347,661<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,631<\/td>\n\u00a0<\/td>\n3.00<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n348,170<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,439<\/td>\n\u00a0<\/td>\n3.00<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n347,356<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,439<\/td>\n\u00a0<\/td>\n3.01<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated debentures<\/td>\n\u00a0<\/td>\n121,565<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,335<\/td>\n\u00a0<\/td>\n7.64<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n121,652<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,512<\/td>\n\u00a0<\/td>\n8.19<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n121,630<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,740<\/td>\n\u00a0<\/td>\n8.01<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n121,648<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,530<\/td>\n\u00a0<\/td>\n7.83<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total interest bearing liabilities<\/td>\n\u00a0<\/td>\n27,667,893<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n283,238<\/td>\n\u00a0<\/td>\n4.07<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,618,754<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n234,946<\/td>\n\u00a0<\/td>\n3.95<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,596,470<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,115,853<\/td>\n\u00a0<\/td>\n4.20<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,968,661<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n688,688<\/td>\n\u00a0<\/td>\n3.28<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest bearing liabilities:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest bearing deposits<\/td>\n\u00a0<\/td>\n3,812,596<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,150,323<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,917,887<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,315,200<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other non-interest bearing liabilities<\/td>\n\u00a0<\/td>\n701,650<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n513,326<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n674,873<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n502,732<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities<\/td>\n\u00a0<\/td>\n32,182,139<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28,282,403<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31,189,230<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,786,593<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total stockholders\u2019 equity before\u00a0noncontrolling interest<\/td>\n\u00a0<\/td>\n5,655,337<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,995,217<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,425,658<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,855,976<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Noncontrolling interest<\/td>\n\u00a0<\/td>\n693<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,334<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n900<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,363<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities and stockholders\u2019 equity<\/td>\n$<\/td>\n37,838,169<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n33,278,954<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n36,615,788<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n30,643,932<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income \u2013 FTE<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n382,722<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n373,473<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,546,265<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,450,248<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest margin \u2013 FTE<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.33<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.82<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.56<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.16<\/td>\n%<\/td>\n<\/tr>\n
Core spread (2)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.10<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.75<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.37<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.27<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

\n (1) <\/sup>The interest expense and the rates paid related to “other borrowings” include capitalized interest which totaled $0.8 million and $2.3 million for the fourth quarter and full year of 2024. Capitalized interest was not material for the fourth quarter and full year of 2023. Excluding capitalized interest from the “other borrowings” expense calculation would result in a rate of 4.76% and 5.12% for the fourth quarter and full year of 2024.
(2) <\/sup>Core spread is the difference between the yield on the Bank\u2019s loans-FTE and the rate on its interest bearing deposits.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Reconciliation of Non-GAAP Financial Measures<\/p>\n

<\/strong>
\n Calculation of Average Common Stockholders\u2019 Equity,
<\/strong>
\n Average Tangible Common Stockholders\u2019 Equity
<\/strong>
\n and the Annualized Returns on Average Common Stockholders\u2019 Equity and
<\/strong>
\n Average Tangible Common Stockholders\u2019 Equity
<\/strong>Unaudited<\/td>\n<\/tr>\n

\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n December 31,<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30,<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Year Ended December 31,<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n(Dollars in thousands)<\/td>\n<\/tr>\n
Net income available to common stockholders<\/td>\n$<\/td>\n178,135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n171,079<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n177,147<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n700,269<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n674,596<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average stockholders\u2019 equity before\u00a0noncontrolling interest<\/td>\n$<\/td>\n5,655,337<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,995,217<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,502,526<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,425,658<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,855,976<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less average preferred stock<\/td>\n\u00a0<\/td>\n(338,980<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(338,980<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(338,980<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(338,980<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(338,980<\/td>\n)<\/td>\n<\/tr>\n
Total average common stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n5,316,357<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,656,237<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,163,546<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,086,678<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,516,996<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less average intangible assets:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Goodwill<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n<\/tr>\n
Core deposit and other intangible assets,\u00a0net of accumulated amortization<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(821<\/td>\n)<\/td>\n<\/tr>\n
Total average intangibles<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(661,610<\/td>\n)<\/td>\n<\/tr>\n
Average tangible common stockholders\u2019 equity<\/td>\n$<\/td>\n4,655,568<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,995,448<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,502,757<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,425,889<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,855,386<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average common stockholders\u2019 equity(1)<\/sup><\/td>\n\u00a0<\/td>\n13.33<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.58<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.65<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.77<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.93<\/td>\n%<\/td>\n<\/tr>\n
Return on average tangible common\u00a0stockholders\u2019 equity(1)<\/sup><\/td>\n\u00a0<\/td>\n15.22<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.99<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.65<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.82<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17.50<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

\n (1) <\/sup>Ratios for interim periods annualized based on actual days.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Calculation of Total Common Stockholders\u2019 Equity, <\/strong>
\n
\n Total Tangible Common Stockholders\u2019 Equity <\/strong>
\n
\n and Tangible Book Value per Common Share<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n December 31,<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30,<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n(In thousands, except per share amounts)<\/td>\n<\/tr>\n
Total stockholders\u2019 equity before noncontrolling interest<\/td>\n$<\/td>\n5,705,623<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,139,001<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,592,859<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less preferred stock<\/td>\n\u00a0<\/td>\n(338,980<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(338,980<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(338,980<\/td>\n)<\/td>\n<\/tr>\n
Total common stockholders\u2019 equity<\/td>\n$<\/td>\n5,366,643<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,800,021<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,253,879<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less goodwill<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n<\/tr>\n
Total tangible common stockholders\u2019 equity<\/td>\n$<\/td>\n4,705,854<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,139,232<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,593,090<\/td>\n\u00a0<\/td>\n<\/tr>\n
Shares of common stock outstanding<\/td>\n\u00a0<\/td>\n113,458<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n113,149<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n113,450<\/td>\n\u00a0<\/td>\n<\/tr>\n
Book value per common share<\/td>\n$<\/td>\n47.30<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n42.42<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n46.31<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible book value per common share<\/td>\n$<\/td>\n41.48<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n36.58<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n40.49<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Calculation of Total Common Stockholders\u2019 Equity,<\/strong>
\n
\n Total Tangible Common Stockholders\u2019 Equity<\/strong>
\n
\n and the Ratio of Total Tangible Common Stockholders\u2019 Equity <\/strong>
\n
\n to Total Tangible Assets<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n December 31,<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30,<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n(Dollars in thousands)<\/td>\n<\/tr>\n
Total stockholders\u2019 equity before noncontrolling interest<\/td>\n$<\/td>\n5,705,623<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,139,001<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,592,859<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less preferred stock<\/td>\n\u00a0<\/td>\n(338,980<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(338,980<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(338,980<\/td>\n)<\/td>\n<\/tr>\n
Total common stockholders\u2019 equity<\/td>\n$<\/td>\n5,366,643<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,800,021<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,253,879<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less goodwill<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n<\/tr>\n
Total tangible common stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n4,705,854<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,139,232<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,593,090<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n$<\/td>\n38,258,852<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n34,237,457<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n37,441,804<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less goodwill<\/td>\n$<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n(660,789<\/td>\n)<\/td>\n<\/tr>\n
Total tangible assets<\/td>\n$<\/td>\n37,598,063<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n33,576,668<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n36,781,015<\/td>\n\u00a0<\/td>\n<\/tr>\n
Ratio of total common stockholders\u2019 equity to total assets<\/td>\n\u00a0<\/td>\n14.03<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.02<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.03<\/td>\n%<\/td>\n<\/tr>\n
Ratio of total tangible common stockholders\u2019 equity to total\u00a0tangible assets<\/td>\n\u00a0<\/td>\n12.52<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.33<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.49<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Calculation of Pre-Tax Pre-Provision Net Revenue<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Year Ended<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Dec 31,<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Sept 30,<\/strong>\n <\/td>\n\u00a0<\/td>\n\n June 30,<\/strong>\n <\/td>\n\u00a0<\/td>\n\n March 31,<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Dec 31,<\/strong>\n <\/td>\n\u00a0<\/td>\n\n December 31,<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n(Dollars in thousands)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income available to common\u00a0stockholders<\/td>\n$<\/td>\n178,135<\/td>\n\u00a0<\/td>\n$<\/td>\n177,147<\/td>\n\u00a0<\/td>\n$<\/td>\n173,496<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n171,490<\/td>\n\u00a0<\/td>\n$<\/td>\n171,079<\/td>\n\u00a0<\/td>\n$<\/td>\n700,269<\/td>\n\u00a0<\/td>\n$<\/td>\n674,596<\/td>\n<\/tr>\n
Preferred stock dividends<\/td>\n\u00a0<\/td>\n4,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,187<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,187<\/td>\n<\/tr>\n
Earnings attributable to\u00a0noncontrolling interest<\/td>\n\u00a0<\/td>\n26<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(8<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n47<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n56<\/td>\n<\/tr>\n
Provision for income taxes<\/td>\n\u00a0<\/td>\n52,831<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n54,953<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n52,778<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n54,226<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,600<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n214,789<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n176,164<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n37,174<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46,443<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n49,012<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42,923<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,832<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n175,552<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n165,470<\/td>\n<\/tr>\n
Pre-tax pre-provision net\u00a0revenue<\/td>\n$<\/td>\n272,213<\/td>\n\u00a0<\/td>\n$<\/td>\n282,602<\/td>\n\u00a0<\/td>\n$<\/td>\n279,325<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n272,704<\/td>\n\u00a0<\/td>\n$<\/td>\n262,564<\/td>\n\u00a0<\/td>\n$<\/td>\n1,106,844<\/td>\n\u00a0<\/td>\n$<\/td>\n1,032,473<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Investor Contact:<\/td>\n\u00a0<\/td>\nJay Staley (501) 906-7842<\/td>\n<\/tr>\n
Media Contact:<\/td>\n\u00a0<\/td>\nMichelle Rossow (501) 906-3922<\/td>\n<\/tr>\n<\/table>\n

\"\"
\n
\n \"\"\n <\/div>\n

<\/div>\n","protected":false},"excerpt":{"rendered":"

LITTLE ROCK, Ark., Jan. 16, 2025 (GLOBE NEWSWIRE) — Bank OZK (the \u201cBank\u201d) (Nasdaq: OZK) today announced that net income available to common stockholders for the fourth quarter of 2024 was $178.1 million, its ninth consecutive quarterly record and a 4.1% increase from $171.1 million for the fourth quarter of 2023. For the full year of 2024, net income available to common stockholders was a record $700.3 million, a 3.8% increase from $674.6 million for the full year of 2023. Diluted earnings per common share for the fourth quarter of 2024 were $1.56, its ninth consecutive quarterly record and a 4.0% increase from $1.50 for the fourth quarter of 2023. For the full year of 2024, diluted earnings per common … <\/p>\n

Continue reading “Bank OZK Announces Record Fourth Quarter and Full Year 2024 Earnings”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-801786","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"\nBank OZK Announces Record Fourth Quarter and Full Year 2024 Earnings - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank OZK Announces Record Fourth Quarter and Full Year 2024 Earnings - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"LITTLE ROCK, Ark., Jan. 16, 2025 (GLOBE NEWSWIRE) — Bank OZK (the \u201cBank\u201d) (Nasdaq: OZK) today announced that net income available to common stockholders for the fourth quarter of 2024 was $178.1 million, its ninth consecutive quarterly record and a 4.1% increase from $171.1 million for the fourth quarter of 2023. For the full year of 2024, net income available to common stockholders was a record $700.3 million, a 3.8% increase from $674.6 million for the full year of 2023. Diluted earnings per common share for the fourth quarter of 2024 were $1.56, its ninth consecutive quarterly record and a 4.0% increase from $1.50 for the fourth quarter of 2023. For the full year of 2024, diluted earnings per common … Continue reading "Bank OZK Announces Record Fourth Quarter and Full Year 2024 Earnings"\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-16T21:05:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTMzMzQ2NCM2Njk4MTE0IzIxMjUyNDQ=\" \/>\n<meta name=\"author\" content=\"Newsdesk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Newsdesk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"21 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"Bank OZK Announces Record Fourth Quarter and Full Year 2024 Earnings\",\"datePublished\":\"2025-01-16T21:05:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\\\/\"},\"wordCount\":4135,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.globenewswire.com\\\/newsroom\\\/ti?nf=OTMzMzQ2NCM2Njk4MTE0IzIxMjUyNDQ=\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\\\/\",\"name\":\"Bank OZK Announces Record Fourth Quarter and Full Year 2024 Earnings - Market Newsdesk\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.globenewswire.com\\\/newsroom\\\/ti?nf=OTMzMzQ2NCM2Njk4MTE0IzIxMjUyNDQ=\",\"datePublished\":\"2025-01-16T21:05:21+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.globenewswire.com\\\/newsroom\\\/ti?nf=OTMzMzQ2NCM2Njk4MTE0IzIxMjUyNDQ=\",\"contentUrl\":\"https:\\\/\\\/www.globenewswire.com\\\/newsroom\\\/ti?nf=OTMzMzQ2NCM2Njk4MTE0IzIxMjUyNDQ=\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Bank OZK Announces Record Fourth Quarter and Full Year 2024 Earnings\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#website\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/\",\"name\":\"Market Newsdesk\",\"description\":\"Latest Business News in Real Time\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\",\"name\":\"Newsdesk\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a0d0bd5b0f0ca12a265a459b13169dac35f33776d8501eda5e68844a366f2f46?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a0d0bd5b0f0ca12a265a459b13169dac35f33776d8501eda5e68844a366f2f46?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a0d0bd5b0f0ca12a265a459b13169dac35f33776d8501eda5e68844a366f2f46?s=96&d=mm&r=g\",\"caption\":\"Newsdesk\"},\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/author\\\/newsdesk\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Bank OZK Announces Record Fourth Quarter and Full Year 2024 Earnings - Market Newsdesk","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\/","og_locale":"en_US","og_type":"article","og_title":"Bank OZK Announces Record Fourth Quarter and Full Year 2024 Earnings - Market Newsdesk","og_description":"LITTLE ROCK, Ark., Jan. 16, 2025 (GLOBE NEWSWIRE) — Bank OZK (the \u201cBank\u201d) (Nasdaq: OZK) today announced that net income available to common stockholders for the fourth quarter of 2024 was $178.1 million, its ninth consecutive quarterly record and a 4.1% increase from $171.1 million for the fourth quarter of 2023. For the full year of 2024, net income available to common stockholders was a record $700.3 million, a 3.8% increase from $674.6 million for the full year of 2023. Diluted earnings per common share for the fourth quarter of 2024 were $1.56, its ninth consecutive quarterly record and a 4.0% increase from $1.50 for the fourth quarter of 2023. For the full year of 2024, diluted earnings per common … Continue reading \"Bank OZK Announces Record Fourth Quarter and Full Year 2024 Earnings\"","og_url":"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\/","og_site_name":"Market Newsdesk","article_published_time":"2025-01-16T21:05:21+00:00","og_image":[{"url":"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTMzMzQ2NCM2Njk4MTE0IzIxMjUyNDQ=","type":"","width":"","height":""}],"author":"Newsdesk","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Newsdesk","Est. reading time":"21 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\/#article","isPartOf":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\/"},"author":{"name":"Newsdesk","@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979"},"headline":"Bank OZK Announces Record Fourth Quarter and Full Year 2024 Earnings","datePublished":"2025-01-16T21:05:21+00:00","mainEntityOfPage":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\/"},"wordCount":4135,"image":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\/#primaryimage"},"thumbnailUrl":"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTMzMzQ2NCM2Njk4MTE0IzIxMjUyNDQ=","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\/","url":"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\/","name":"Bank OZK Announces Record Fourth Quarter and Full Year 2024 Earnings - Market Newsdesk","isPartOf":{"@id":"https:\/\/www.marketnewsdesk.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\/#primaryimage"},"image":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\/#primaryimage"},"thumbnailUrl":"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTMzMzQ2NCM2Njk4MTE0IzIxMjUyNDQ=","datePublished":"2025-01-16T21:05:21+00:00","author":{"@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979"},"breadcrumb":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\/#primaryimage","url":"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTMzMzQ2NCM2Njk4MTE0IzIxMjUyNDQ=","contentUrl":"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTMzMzQ2NCM2Njk4MTE0IzIxMjUyNDQ="},{"@type":"BreadcrumbList","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-fourth-quarter-and-full-year-2024-earnings\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.marketnewsdesk.com\/"},{"@type":"ListItem","position":2,"name":"Bank OZK Announces Record Fourth Quarter and Full Year 2024 Earnings"}]},{"@type":"WebSite","@id":"https:\/\/www.marketnewsdesk.com\/#website","url":"https:\/\/www.marketnewsdesk.com\/","name":"Market Newsdesk","description":"Latest Business News in Real Time","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.marketnewsdesk.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979","name":"Newsdesk","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/a0d0bd5b0f0ca12a265a459b13169dac35f33776d8501eda5e68844a366f2f46?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a0d0bd5b0f0ca12a265a459b13169dac35f33776d8501eda5e68844a366f2f46?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a0d0bd5b0f0ca12a265a459b13169dac35f33776d8501eda5e68844a366f2f46?s=96&d=mm&r=g","caption":"Newsdesk"},"url":"https:\/\/www.marketnewsdesk.com\/index.php\/author\/newsdesk\/"}]}},"_links":{"self":[{"href":"https:\/\/www.marketnewsdesk.com\/index.php\/wp-json\/wp\/v2\/posts\/801786","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.marketnewsdesk.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.marketnewsdesk.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.marketnewsdesk.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.marketnewsdesk.com\/index.php\/wp-json\/wp\/v2\/comments?post=801786"}],"version-history":[{"count":0,"href":"https:\/\/www.marketnewsdesk.com\/index.php\/wp-json\/wp\/v2\/posts\/801786\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.marketnewsdesk.com\/index.php\/wp-json\/wp\/v2\/media?parent=801786"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.marketnewsdesk.com\/index.php\/wp-json\/wp\/v2\/categories?post=801786"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.marketnewsdesk.com\/index.php\/wp-json\/wp\/v2\/tags?post=801786"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}