Bank OZK reported total assets of $41.6 billion, total loans of $32.8 billion, and total deposits of $34.0 billion as of September 30, 2025. The net interest margin for the first nine months of 2025 was 4.3%. The efficiency ratio for the same period was 35.4%. The annualized net charge-off ratio was 0.3%, and return on average assets was 1.8%. The return on average tangible common equity was 14.4%, and the tangible common equity to tangible assets ratio was 12.4%. During the third quarter of 2025, the net interest margin was 4.4%, down by one basis point from the prior quarter and by 20 basis points year-over-year. Bank OZK continued to outperform the industry in net interest margin by 1.1 percentage points in the latest available comparative quarter. The bank expects its full-year 2025 net charge-off ratio to remain below the industry average but higher than in 2024. Bank OZK operates 248 retail branches across six states and 13 loan production offices nationwide.
Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Bank OZK published the original content used to generate this news brief on November 19, 2025, and is solely responsible for the information contained therein.
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