Bank Ozk (FDIC #110): Bank Stress & Real-Estate Credit Exposure
Bank Ozk (FDIC Cert #110): bank stress 41/100, contained, STABLE over 7 days.
Bank Ozk (#110) lends in 104 counties across 6 states; Bank Ozk (#110) reaches 1,972 ZIP codes: Georgia 40 counties, 345 ZIPs; Arkansas 24 counties, 273 ZIPs; North Carolina 14 counties, 204 ZIPs; Florida 13 counties, 537 ZIPs; Texas 11 counties, 559 ZIPs; Tennessee 2 counties, 54 ZIPs.
Bank Ozk (#110) largest markets: Harris County, TX (1,001 branches, 143 ZIPs) (#110), Dallas County, TX (380 branches, 95 ZIPs) (#110), Miami Dade County, FL (405 branches, 81 ZIPs) (#110), Bexar County, TX (78 branches, 78 ZIPs) (#110), Tarrant County, TX (380 branches, 76 ZIPs) (#110), Travis County, TX (189 branches, 63 ZIPs) (#110).
Bank Ozk (#110) reports $41.70 billion in total assets; Bank Ozk (#110) equity $6.28 billion (15.1% of Bank Ozk (#110) assets); Bank Ozk (#110) domestic deposits $34.00 billion; Bank Ozk (#110) net income $330.7 million; Bank Ozk (#110) return on assets 1.60%; Bank Ozk (#110) return on equity 10.69%; Bank Ozk (#110) net interest income $777.7 million; Bank Ozk (#110) call report June 30, 2026.
Bank Ozk (#110) noncurrent real-estate loans 0.44% of its book; Bank Ozk (#110) commercial real estate 15.52%; Bank Ozk (#110) multifamily 0.01%; Bank Ozk (#110) residential 1.08%; Bank Ozk (#110) net charge-offs on real estate 1.30%; Bank Ozk (#110) residential charge-offs 2.15%.
Bank Ozk (#110) net interest margin 4.14% against an eight-quarter Bank Ozk (#110) average of 4.33% (Bank Ozk (#110) compression 0.19 points); Bank Ozk (#110) real-estate loans 44.5% of equity; Bank Ozk (#110) non-residential real estate 215.4% of equity; Bank Ozk (#110) rate-exposure score 40/100, Bank Ozk (#110) fixed-rate trap 40/100; Bank Ozk (#110) risk type credit driven; Bank Ozk (#110) rate regime rates elevated, Bank Ozk (#110) snapshot October 20, 2026.
Bank Ozk (#110) stress score moved from 40.6 on June 22, 2026 to 40.8 on October 20, 2026; Bank Ozk (#110) ranged 40.6 to 40.8 over 117 snapshots.
Bank Ozk (#110) alerts: 39 counties; top Bank Ozk (#110) alert scores: Calhoun County, AR 46 (moderate); Dallas County, AR 40 (moderate); Madison County, AR 37 (moderate); Jefferson County, AR 35 (low); Van Buren County, AR 32 (low).