18000 Cantrell Rd
Little Rock, AR 72223
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Phone 800 274 4482
Reviewed by HB | September 12, 2023 |
Can not cash a check at the branch on Chenal, because I did not have an appointment for the lobby. Could not use the Window service, it closes at 2pm on a Friday. I have a business account and am finding it very difficult to bank at this establishment. Will not even mention the online banking error caused by a bank employee that took more work to correct than it is worth. Hate it, try to bank local, but this is nuts.
Bank OZK is an FDIC insured institution located in Little Rock, AR. It was founded in 1903 and has approximately $36.84 billion in assets. Customers can open an account at one of its 270 branches.
FDIC Insured | Yes |
FDIC Certificate | # 110 |
Date Established | 1903 |
Assets | $ 36.84 billion |
Loans | $ 28.27 billion |
Deposits | $ 29.94 billion |
Capital | $ 5.41 billion |
For a more detailed analysis of Bank OZK's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Your Current Location: Ohio, OH 43085
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Bank OZK
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Lender | APR | Rate (%) | Monthly Payment |
Learn More |
---|---|---|---|---|
NMLS ID: 1835285 |
6.518% |
6.375% 1.00 points $4,800 fees |
$1,997 | Learn More |
NMLS ID: 2578474 |
6.620% |
6.500% 0.88 points $4,010 fees |
$2,023 | Learn More |
NMLS ID: 1025894 |
6.962% |
6.875% 0.63 points $2,841 fees |
$2,103 | Learn More |
NMLS ID: 1907 |
7.181% |
7.125% 0.63 points $1,802 fees |
$2,156 | Learn More |
Lender | APR (%)? | Monthly Payment? | Learn More |
---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR
7.240 %
After Intro: 7.240 % |
$0 |
Learn More
More Info |
Achieve Loans See Table |
Intro APR
9.250 %
After Intro: 9.250 % |
$0 |
Learn More
More Info |
Note to Bank OZK
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Bank OZK branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Branch | Distance | Map | View Lobby Hours |
---|---|---|---|
304.61 | A | View Lobby Hours | |
305.76 | B | View Lobby Hours | |
308.15 | C | View Lobby Hours | |
320.59 | D | View Lobby Hours | |
323.07 | E | View Lobby Hours | |
323.77 | F | View Lobby Hours | |
325.33 | G | View Lobby Hours | |
329.17 | H | View Lobby Hours | |
330.21 | I | View Lobby Hours | |
331.20 | J | View Lobby Hours | |
331.81 | K | View Lobby Hours | |
331.82 | L | View Lobby Hours | |
332.27 | M | View Lobby Hours | |
332.80 | N | View Lobby Hours | |
333.36 | O | View Lobby Hours | |
335.82 | P | View Lobby Hours | |
336.87 | Q | View Lobby Hours | |
337.83 | R | View Lobby Hours | |
339.53 | S | View Lobby Hours | |
339.79 | T | View Lobby Hours | |
341.48 | U | View Lobby Hours | |
343.60 | V | View Lobby Hours | |
347.52 | W | View Lobby Hours | |
349.83 | X | View Lobby Hours | |
355.21 | Y | View Lobby Hours | |
357.66 | Z | View Lobby Hours |
Bank OZK is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
or use your BestCashCow account
The following ratios and data are available to help you better understand the financial condition of Bank OZK. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Bank OZK | U.S. Bank Average |
---|---|
2.67% | 4.48% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of June 30, 2024, Bank OZK had $85,266,000 in non-current loans and $70,004,000 in owned real estate. To cover these potential losses it had $5,408,785,000 in equity and $407,079,000 in loans loss reserves. That gives it a Texas Ratio of 2.67%.
Bank OZK | U.S. Bank Average |
---|---|
13.4% | 10.46% |
Bank OZK has a Return on Equity of 13.4% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Bank OZK | U.S. Bank Average |
---|---|
14.68% | 10.84% |
Bank OZK has a Capitalization of 14.68% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
As of June 30, 2024, Bank OZK had assets of $36,836,173,000, loans of $28,266,606,000, and deposits of $29,943,663,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
ASSETS | |
---|---|
Cash & Balances due from depository institutions | $ 2.57 billion |
Interest-bearing balances | $ 2.36 billion |
Total securities | $ 2.98 billion |
Federal funds sold and reverse repurchase | N.A. |
Net loans and leases | $ 28.27 billion |
Loan loss allowance | $ 407.08 million |
Trading account assets | N.A. |
Bank premises and fixed assets | N.A. |
Other real estate owned | $ 70.00 million |
Goodwill and other intangibles | $ 660.79 million |
All other assets | $ 1,162.34 million |
Total Assets | $ 31.43 billion |
LIABILITIES | |
---|---|
Total deposits | $ 29.94 billion |
Interest-bearing deposits | $ 25.90 billion |
Deposits held in domestic offices | $ 29.94 billion |
% insured (estimated) | 65.37% |
Federal funds purchased and repurchase agreements | $ 200.94 million |
Trading liabilities | N.A. |
Other borrowed funds | $ 500.03 million |
Subordinated debt | $ 469.82 million |
All other liabilities | $ 352.81 million |
Total Liabilities | $ 31.43 billion |
Shareholders’ Equity | $ 5.41 billion |
INCOME AND EXPENSES | |
---|---|
Total Interest Income | $ 1,304.89 million |
Total Interest Expense | $ 539.96 million |
Net interest income | $ 764.93 million |
Provision for loan and lease losses | $ 91.94 million |
Total non interest income | $ 57.87 million |
Total non interest expense | $ 270.76 million |
Pre-tax Net Operating Income | $ 344.70 million |
The top three loan types in Bank OZK’s loan portfolio are Construction and Development Loans, Commercial Real Estate, and Multifamily Mortgages.
Compared to other banks in Arkansas, Bank OZK has a significantly higher percent of Multifamily Mortgages, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
% Loans |
% Comparison to Other Banks |
|||
---|---|---|---|---|
Low | Med | High | ||
1-4 Family Residential Loans | 3.45 | ✓ | ||
Multifamily Mortgages |
3.98 | ✓ | ||
Credit Card Loans | 0.00 | ✓ | ||
Consumer Auto Loans | 0.02 | ✓ | ||
Small Business Loans | 1.43 | ✓ | ||
Construction and Development Loans | 27.63 | ✓ | ||
Commercial Real Estate | 14.86 | ✓ | ||
Commercial and Industrial Loans | 2.46 | ✓ | ||
Farm Loans | 0.01 | ✓ |
Customer Reviews for Bank OZK
HB
September 12, 2023 |
Can not cash a check at the branch on Chenal, because I did not have an appointment for the lobby. Could not use the Window service, it closes at 2pm on a Friday. I have a business account and am finding it very difficult to bank at this establishment. Will not even mention the online banking error caused by a bank employee that took more work to correct than it is worth. Hate it, try to bank local, but this is nuts.
Is this review helpful? Yes:0 / No: 0
Horrible bank. Don't even try to open an account
September 6, 2023 |
I wasted 30 minutes jumping through all their hoops trying to open an account online, only to get near the end and have a message, "Oops, something happened. Try again." I called their toll free line and had to wait too long. The lady said, "I will send you an email and you can continue. You won't lose any of your data." I tried it; it wouldn't let me access my data. I called again. This time another lady said, "It doesn't save your data. You have to start over." There are too many banks who want our business; we don't have to put up with crap like this. Don't waste your time.
Is this review helpful? Yes:1 / No: 1
Beth Ytzen
May 6, 2023 |
Good down home bank. I have been banking with Bank OZK for 9+ years and have never had any problems. Service is prompt, personal and pleasant. I have had several CDs with them and all were exactly as expected. I also bank online with them and whenever I have had a question or problem they can alway answer or handle the problem. I highly recommend Bank OZK. My branch is in Lonsdale, AR, near Hot Springs, AR. I plan to continue to hold my checking and savings accounts there. In the current economy, CDs are not very competitive there, however.
Is this review helpful? Yes:2 / No: 0
MDoss
January 22, 2023 |
HORRIBLE! First time I went to Bank to talk about opening CD of a fairly significant amount, their doors were locked in the middle of the day. Someone came to the door and said they were in a meeting but could talk to me. Was fairly pleased with how things went. I went back to Ozk after going to my bank to get a cashier's check. No other customers were in the bank or the drivethrough. The teller said she would ask the banker if she could meet with me. Said she could help me if I could wait 10 - 15 minutes as she was helping another customer. After 15 minutes, and seeing the banker working on her computer in an empty office, I walked over to verify she was not with a customer and not on the phone. She came out and asked if I was going to open the CD today; I told her I might but had some questions. She said if I was going to open it today she had a few minutes, if not it would be about 10 - 15 minutes. She went back to her computer work. Another women walked into her office and I could here her helping her with whatever she was working on. I asked if someone could help me and was very rudely told she would be with me in a little bit. I ran! Guess they didn't have time to help their one customer.
Is this review helpful? Yes:2 / No: 0
Keep your friends close but your enemies closer than that. Guess which one would be you OZ.
September 20, 2021 |
Run for them hills and quickly too I might add if you want to keep more of your money than you put in their process for any length of time. If they can run a automatic payment to come out of my account even though I didn't have enough money in my account to take the payment out and causing my account to be overdrawn and God only knows what kind of amount that will be either way it's going to cause my next month's disability check to send me right back to overdrawn for it too. Who knows how long it will take to get my head above water. But they don't think that my debit card has taken out of my account 3 pages of dates, times and locations that almost 1000 dollars within less than 18 hour stretch ending in the very early morning hours? They should have gotten in a vehicle and driven to my house with the red flags waving or something other than that. My debt card has been declined before when I went to the store and they didn't mind embarrassing me to death when they declined it so why did one payment work and go through and the other one didn't. I'll let you know why they got to make some money off me too by letting that go through but they didn't have anything to gain by shutting down the payment that I will pay big and be in a bad place trying to get by and above water. And they've even said to change banks I'd have to have enough money in my account to cover my payments for 2 months. Guess that'll work living on my disability income wrong and wouldn't even let me raise the amount that I could take out of the atm so I don't have to pay someone to take me to the bank when my check deposits so who's money is that in the account with all my information on it? I hate this bank. And they keep going down hill because I'm usually one of those people who keeps giving people too many chances rather than stop looking for good when you already have enough proof it's not good and never will be. You are not the original owner that opened The Bank of the Carolinas are you? Can't be the same ones who did. They were good people who took care of their customers. Got to get some ducks in a row and rowing away from here asap.
Is this review helpful? Yes:1 / No: 2
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