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800-274-4482
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 181st largest bank in the nation. It was established in 1903 and as of December of 2013, it had grown to 1,223 employees at 135 locations. Bank of the Ozarks has a A+ health rating.

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Health

Data for Q4 2013

Institution Health

A+

Texas Ratio

GRADE:
A+

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 December 31, 2013 Bank of the Ozarks had $44.45 million in non-current loans and owned real-estate with $713.13 million in equity and loan loss allowances on hand to cover it. This gives Bank of the Ozarks a Texas Ratio of 6.23% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Bank of the Ozarks experienced no significant changes from 3.81% as of December 31, 2012 to 6.23% as of December 31, 2013, resulting in a negative change of 63.48%. This indicates that the balance sheet and financial strength for Bank of the Ozarks has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Bank of the Ozarks has increased its total deposits by $761.59 million, resulting in 25.65% 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.

Capitalization

GRADE:
A+

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 $4.78 billion in assets with $713.13 million in equity, resulting in a capitalization level of 14.92%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #110
Year Established1903
Employees1223
Primary RegulatorFDIC
Assets and Liabilities
Assets$4.78 billion
Loans$3.31 billion
Deposits$3.73 billion
Equity Capital$670.19 million
Loan Loss Allowance$42.95 million
Unbacked Noncurrent Loans$32.68 million
Real Estate Owned$11.78 million
Historic Data - December 2012
Assets$3.89 billion
Equity Capital$557.60 million
Loan Loss Allowance$38.74 million
Unbacked Noncurrent Loans$32.68 million
Real Estate Owned$13.49 million
Profit Margin - Quarterly
Net Interest Margin5.56%
Return on Assets2.17%
Return on Equity15.28%
Interest Income$212.33 million
Rates

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Locations

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