Bank of the Ozarks

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

FDIC

Bank of the Ozarks is headquartered in Little Rock and is the 4th largest bank in the state of Arkansas. It is also the 204th largest bank in the nation. It was established in 1903 and as of December of 2012, it had grown to 1,120 employees at 118 locations. Bank of the Ozarks has a 5-star health rating.

Related Posts

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 Q4 2012


Institution Statistics


Bank of the Ozarks
FDIC Certificate #110
BankRate ReportView
Year Established1903
Employees1120
Primary RegulatorFDIC

Assets and Liabilities

Assets$3.89 billion
Loans$2.68 billion
Deposits$2.97 billion
Equity Capital$557.60 million
Loan Loss Allowance$38.74 million
Unbacked Noncurrent Loans$9.25 million
Real Estate Owned$13.49 million

Historic Data - December 2011

Assets$3.83 billion
Equity Capital$466.23 million
Loan Loss Allowance$39.17 million
Unbacked Noncurrent Loans$14.25 million
Real Estate Owned$31.61 million

Profit Margin - Quarterly

Net Interest Margin5.77%
Return on Assets2.11%
Return on Equity15.96%
Interest Income$195.75 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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, 2012 Bank of the Ozarks had $22.74 million in non-current loans and owned real-estate with $596.34 million in equity and loan loss allowances on hand to cover it. This gives Bank of the Ozarks a Texas Ratio of 3.81% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for Bank of the Ozarks decreased significantly from 9.07% as of December 31, 2011 to 3.81% as of December 31, 2012, resulting in a positive change of 57.98%.This indicates that the balance sheet and financial strength for Bank of the Ozarks has improved significantly in recent periods.
Deposit Growth3
In the past year, Bank of the Ozarks has increased its total deposits by $13.52 million, resulting in 0.46% 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 average.
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 $3.89 billion in assets with $596.34 million in equity, resulting in a capitalization level of 15.32%, which is excellent.
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