Bank of the Ozarks

Bank of the Ozarks Locations
17901 Chenal Parkway
Little Rock, AR 72223
800-274-4482
www.bankozarks.com

Bank of the Ozarks is headquartered in Little Rock and is the 2nd largest bank in the state of Arkansas. It is also the 202nd largest bank in the nation. It was established in 1903 and as of September of 2011, it had grown to 1,102 employees at 116 locations. Bank of the Ozarks has a 3-star health rating.

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1.41% 9-Month CD At Bank Of The Ozarks In Dallas Fort Worth (Forum) - 10/3/2010

Bank of the Ozarks is advertising a 1.41% APY 9-month CD. Minimum deposit is $5,000. This was advertised in the 9/30/2010 Dallas Morning News. The ad is available online (click the details link). The ad also lists a 1.21% APY money market account for ba

9-Month CD and Money Market Promotion at Bank of the Ozarks in Dallas - Local Only - 8/23/2010

Bank of the Ozarks is advertising two bank account specials: a 1.41% APY 9-month CD and a 1.21% APY money market account. The minimum for the CD is $5K, and money market minimum balance is $10K. These ...

EXPIRED: 4.01% CD with Terms of 5 to 13 Months at Bank of the Ozarks in Dallas - 9/8/2008

Bank of the Ozarks is advertising a CD with a yield of 4.01% APY for terms of 5 to 13 months. The minimum deposit $5,000. This CD special doesn't seem to be listed at the bank's website. It was advertised in yesterday's Dallas Morning News. The ad is...

4.07% Money Market Account in Dallas at Bank of the Ozarks - 4/17/2008

Bank of the Ozarks is advertising a 4.07% APY on its Investor's Choice Money Market Account. The minimum deposit is $10,000. It doesn't seem to be listed at the bank's website. It was advertised in today's Dallas Morning News. The ad is available online...

2008



Data for Q3 2011


Institution Statistics


Bank of the Ozarks
FDIC Certificate #110
BankRate ReportView
Year Established1903
Employees1102
Primary RegulatorFDIC

Assets and Liabilities

Assets$3.92 billion
Loans$2.68 billion
Deposits$3.06 billion
Equity Capital$449.63 million
Loan Loss Allowance$39.14 million
Unbacked Noncurrent Loans$204.13 million
Real Estate Owned$107.31 million

Historic Data - September 2010

Assets$3.16 billion
Equity Capital$360.43 million
Loan Loss Allowance$40.25 million
Unbacked Noncurrent Loans$16.80 million
Real Estate Owned$58.70 million

Profit Margin - Quarterly

Net Interest Margin5.69%
Return on Assets3.14%
Return on Equity28.05%
Interest Income$146.44 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio2
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Bank of the Ozarks had $311.44 million in non-current loans and owned real-estate with $488.76 million in equity and loan loss allowances on hand to cover it. This gives Bank of the Ozarks a Texas Ratio of 63.72% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend2
The Texas Ratio for Bank of the Ozarks increased slightly from 28.31% as of September 30, 2010 to 63.72% as of September 30, 2011, resulting in a negative change of 125.06%. This indicates that the balance sheet and financial strength for Bank of the Ozarks has declined slightly in recent periods.
Deposit Growth5
In the past year, Bank of the Ozarks has increased its total deposits by $637.91 million, resulting in 26.34% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of the Ozarks has shown is excellent.
Capitalization5
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of the Ozarks has $3.92 billion in assets with $488.76 million in equity, resulting in a capitalization level of 12.46%, which is excellent.
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