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17901 Chenal Parkway
Little Rock, AR 72223

Bank of the Ozarks is headquartered in Little Rock and is the 3rd largest bank in the state of Arkansas. It is also the 178th largest bank in the nation. It was established in 1903 and as of March of 2014, it had grown to 1,306 employees at 148 locations. Bank of the Ozarks has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bank of the Ozarks had $56.56 million in non-current loans and owned real-estate with $739.18 million in equity and loan loss allowances on hand to cover it. This gives Bank of the Ozarks a Texas Ratio of 7.65% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bank of the Ozarks experienced no significant changes from 3.48% as of March 31, 2013 to 7.65% as of March 31, 2014, resulting in a negative change of 119.66%. This indicates that the balance sheet and financial strength for Bank of the Ozarks has had no significant changes in recent periods.

Deposit Growth


In the past year, Bank of the Ozarks has increased its total deposits by $926.59 million, resulting in 30.87% 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.



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 $5.02 billion in assets with $739.18 million in equity, resulting in a capitalization level of 14.71%, which is excellent.

Institution Statistics

FDIC Certificate #110
Year Established1903
Primary RegulatorFDIC
Assets and Liabilities
Assets$5.02 billion
Loans$3.53 billion
Deposits$3.93 billion
Equity Capital$695.31 million
Loan Loss Allowance$43.86 million
Unbacked Noncurrent Loans$39.61 million
Real Estate Owned$16.95 million
Historic Data - March 2013
Assets$3.95 billion
Equity Capital$571.22 million
Loan Loss Allowance$38.42 million
Unbacked Noncurrent Loans$39.61 million
Real Estate Owned$11.11 million
Profit Margin - Quarterly
Net Interest Margin5.17%
Return on Assets2.19%
Return on Equity15.72%
Interest Income$57.05 million

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Bank of the Ozarks has 115 locations. Click to view all Bank of the Ozarks locations.