Bank Ozk
Little Rock, Arkansas · FDIC Cert #110
Bank Ozk is an FDIC-insured bank (Certificate #110) with $36.8B in total assets and $29.9B in total deposits as of the Q2 2024 Call Report. Headquartered in Little Rock, Arkansas, the bank maintains a Tier 1 capital ratio of 10.91% (Well-Capitalized) and a nonperforming loan ratio of 0.30%. BankHealthData assigns a composite Health Grade of B (72/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank Ozk (FDIC cert 110) is a large bank with $36.8B in total assets and $29.9B in deposits, headquartered in Little Rock, Arkansas. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is adequate: Tier 1 capital ratio of 10.91% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.30% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 15.1% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 2.58% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Bank Ozk carries a composite BankHealth grade of B (72/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank Ozk
- Total Assets
- $36.8B
- Total Deposits
- $29.9B
- Tier 1 Capital Ratio
- 10.91%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.30%
- Liquidity Ratio
- 15.07%
- Return on Assets
- 2.58%
- Headquarters
- Little Rock, Arkansas
- FDIC Certificate
- #110
- Health Grade
- B (72/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank Ozk holds a Tier 1 capital ratio of 10.91%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank Ozk has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank Ozk shows strong financial health indicators. With $36.8B in assets and a Health Score of 72/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank Ozk Compares
Bank Ozk’s Health Score of 72 is 6 points above the Arkansas state average of 66 across 57 FDIC-insured banks. Its 10.91% Tier 1 capital ratio is 3.1 points below the US banking industry average near 14%. The 0.30% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.58% is in line with or above the national ROA benchmark of ~1.1%. Among 58 similarly-sized banks, the average Health Score is 80, meaning this bank ranks below its size cohort. Site-wide, Bank Ozk is 2 points above the portfolio average of 70.
Frequently Asked Questions
Bank Ozk has a Bank Health Score of B (72/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.91%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank Ozk's Tier 1 capital ratio of 10.91% and nonperforming loan ratio of 0.30% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank Ozk is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #110). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank Ozk holds $36.8B in total assets and $29.9B in total deposits. It is headquartered in Little Rock, Arkansas (FDIC Certificate #110).
Bank Ozk has a Tier 1 capital ratio of 10.91%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.30%, and the return on assets is 2.58%.
Yes. Bank Ozk is FDIC-insured (Certificate #110). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank Ozk's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.