Bank OZK

Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 1.4 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Good asset quality (6.1).

Other Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 13.9. Operating profits as a percentage of assets at 2.8%, coupled with a return on assets of 2.2 has resulted in Excellent (10.0) profitability.

Asset Mix: Comm re (16%), securities (9%), consumer loans (9%), cash (6%), comm loans (4%), home mtgs (2%), other (54%)

States with Branches: AR, FL, GA, NC, SC, TX

Asset Quality

Non-Performing Loans to Capital

1.35%

Non-Performing Assets to Assets

0.37%

Non-Performing Loans to Loans

0.26%

Loan Loss Reserves to Loans

1.28%

Charge-Offs to Average Loans

0.13%

5-Year Charge-Offs to Average Loans

0.14%

5-Year Asset Growth

10.59%

1-Year Asset Growth

23.80%

Profitability

Operating Profit to Average Assets

2.81%

Return on Equity

14.25%

Net Interest Spread

5.10%

5-Year ROAA (Return on Average Assets)

1.84%

Overhead Efficiency Ratio

33.90%

Liquidity

Liquidity Ratio

15.38%

Hot Money

31.78%

Corporate Info

Group Affiliation

Investment Rating

Address

18000 Cantrell Road
Little Rock, AR 72223

Phone Number

(501) 978-2265

Year Founded

FDIC Number

110

Website

http://www.ozk.com

Largest Affiliates

No affiliate information available.