Bank OZK
Bank OZK is an FDIC insured institution headquartered at
18000 Cantrell Rd, Little Rock, AR 72223.
It was founded in
0000 and has approximately $31 billion in
assets. Customers can open an account at one of its 270 branches.
Deposit Rates - October 3, 2023
SAVINGS RATES | APY | MIN | |
---|---|---|---|
Savings
|
0.05% | $2,500 | Compare |
CD RATES | APY | MIN | |
---|---|---|---|
Special: 11 Mo CD
|
1.00% | $1,000 | Compare |
30 Mo CD
|
0.50% | $10,000 | Compare |
MM RATES | APY | MIN | |
---|---|---|---|
Money Market
|
0.20% | $2,500 | Compare |
Money Market
|
0.20% | $10,000 | Compare |
Money Market
|
0.10% | $10,000 | Compare |
Money Market
|
0.20% | $25,000 | Compare |
Money Market
|
0.15% | $25,000 | Compare |
FIXED IRA RATES | APY | MIN |
---|---|---|
Special: 11 Mo FIRA
|
1.00% | $1,000 |
INT CHECKING RATES | APY | MIN |
---|---|---|
Int Ckg
|
0.05% | $2,500 |
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Overview 2023
General Bank Information
FDIC Insured | Yes |
FDIC Certificate | # 110 |
Date Established | 0000 |
Assets | $ 30.76 billion |
Loans | $ 23.34 billion |
Deposits | $ 23.98 billion |
Capital | $ 4.81 billion |
Summary Balance Sheet as of June 30, 2023
ASSETS | |
Cash & Balances due from depository institutions | $ 1,454.79 million |
Interest-bearing balances | $ 1,332.48 million |
Total securities | $ 3.26 billion |
Federal funds sold and reverse repurchase | N.A. |
Net loans and leases | $ 23.34 billion |
Loan loss allowance | $ 263.19 million |
Trading account assets | $ 8.99 million |
Bank premises and fixed assets | N.A. |
Other real estate owned | $ 61.56 million |
Goodwill and other intangibles | $ 661.17 million |
All other assets | $ 1,162.34 million |
Total Assets | $ 25.95 billion |
LIABILITIES | |
Total deposits | $ 23.98 billion |
Interest-bearing deposits | $ 19.45 billion |
Deposits held in domestic offices | $ 23.98 billion |
% insured (estimated) | 63.77% |
Federal funds purchased and repurchase agreements | $ 129.48 million |
Trading liabilities | N.A. |
Other borrowed funds | $ 500.03 million |
Subordinated debt | $ 469.00 million |
All other liabilities | $ 352.81 millionn |
Total Liabilities | $ 25.95 billion |
Shareholders’ Equity | $ 4.81 billion |
Summary Income Statement as of June 30, 2023
INCOME AND EXPENSES | |
Total Interest Income | $ 957.17 million |
Total Interest Expense | $ 255.49 million |
Net interest income | $ 701.68 million |
Provision for loan and lease losses | $ 77.60 million |
Total non interest income | $ 59.80 million |
Total non interest expense | $ 255.57 million |
Pre-tax Net Operating Income | $ 344.70 million |
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Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only.
- 1LOCAL CDBankARKANSAS$50,00011 Month1.00%N.A.$1,000-SCENARIO
Year Rate
1.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 500 350 2 50,500 505 354 3 51,005 510 357 4 51,515 515 361 5 52,030 520 364 6 52,551 526 368 7 53,076 531 372 8 53,607 536 375 9 54,143 541 379 10 54,684 547 383 11 55,231 552 387 12 55,783 558 390 13 56,341 563 394 14 56,905 569 398 15 57,474 575 402 16 58,048 580 406 17 58,629 586 410 18 59,215 592 415 19 59,807 598 419 20 60,405 604 423 TOTAL $11,010 $7,707 - 2LOCAL CDOnline Bank-$50,00060 Month4.00%4.62x (National Avg. - 0.87%)$2,500-SCENARIO
Year Rate
4.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,000 1,400 2 52,000 2,080 1,456 3 54,080 2,163 1,514 4 56,243 2,250 1,575 5 58,493 2,340 1,638 6 60,833 2,433 1,703 7 63,266 2,531 1,771 8 65,797 2,632 1,842 9 68,428 2,737 1,916 10 71,166 2,847 1,993 11 74,012 2,960 2,072 12 76,973 3,079 2,155 13 80,052 3,202 2,241 14 83,254 3,330 2,331 15 86,584 3,463 2,424 16 90,047 3,602 2,521 17 93,649 3,746 2,622 18 97,395 3,896 2,727 19 101,291 4,052 2,836 20 105,342 4,214 2,950 TOTAL $59,556 $41,689 - 3LOCAL CDOnline Bank-$50,00024 Month4.30%7.14x (National Avg. - 0.60%)$2,500-SCENARIO
Year Rate
4.30%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,150 1,505 2 52,150 2,242 1,570 3 54,392 2,339 1,637 4 56,731 2,439 1,708 5 59,171 2,544 1,781 6 61,715 2,654 1,858 7 64,369 2,768 1,938 8 67,137 2,887 2,021 9 70,024 3,011 2,108 10 73,035 3,140 2,198 11 76,175 3,276 2,293 12 79,451 3,416 2,391 13 82,867 3,563 2,494 14 86,430 3,717 2,602 15 90,147 3,876 2,713 16 94,023 4,043 2,830 17 98,066 4,217 2,952 18 102,283 4,398 3,079 19 106,681 4,587 3,211 20 111,268 4,785 3,349 TOTAL $66,053 $46,237 - 4LOCAL CDBank-$50,00060 Month4.66%5.39x (National Avg. - 0.87%)$500-SCENARIO
Year Rate
4.66%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,330 1,631 2 52,330 2,439 1,707 3 54,769 2,552 1,787 4 57,321 2,671 1,870 5 59,992 2,796 1,957 6 62,788 2,926 2,048 7 65,713 3,062 2,144 8 68,776 3,205 2,243 9 71,981 3,354 2,348 10 75,335 3,511 2,457 11 78,846 3,674 2,572 12 82,520 3,845 2,692 13 86,365 4,025 2,817 14 90,390 4,212 2,949 15 94,602 4,408 3,086 16 99,010 4,614 3,230 17 103,624 4,829 3,380 18 108,453 5,054 3,538 19 113,507 5,289 3,703 20 118,797 5,536 3,875 TOTAL $74,332 $52,033 - 5LOCAL CDBank-$50,00036 Month4.86%6.96x (National Avg. - 0.70%)$500-SCENARIO
Year Rate
4.86%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,430 1,701 2 52,430 2,548 1,784 3 54,978 2,672 1,870 4 57,650 2,802 1,961 5 60,452 2,938 2,057 6 63,390 3,081 2,157 7 66,471 3,230 2,261 8 69,701 3,387 2,371 9 73,088 3,552 2,486 10 76,641 3,725 2,607 11 80,365 3,906 2,734 12 84,271 4,096 2,867 13 88,367 4,295 3,006 14 92,661 4,503 3,152 15 97,165 4,722 3,306 16 101,887 4,952 3,466 17 106,838 5,192 3,635 18 112,031 5,445 3,811 19 117,476 5,709 3,997 20 123,185 5,987 4,191 TOTAL $79,172 $55,420 - 6LOCAL CDOnline Bank-$50,00012 Month5.00%10.22x (National Avg. - 0.49%)$2,500-SCENARIO
Year Rate
5.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,500 1,750 2 52,500 2,625 1,838 3 55,125 2,756 1,929 4 57,881 2,894 2,026 5 60,775 3,039 2,127 6 63,814 3,191 2,233 7 67,005 3,350 2,345 8 70,355 3,518 2,462 9 73,873 3,694 2,586 10 77,566 3,878 2,715 11 81,445 4,072 2,851 12 85,517 4,276 2,993 13 89,793 4,490 3,143 14 94,282 4,714 3,300 15 98,997 4,950 3,465 16 103,946 5,197 3,638 17 109,144 5,457 3,820 18 114,601 5,730 4,011 19 120,331 6,017 4,212 20 126,348 6,317 4,422 TOTAL $82,665 $57,865 - 7LOCAL CDBank-$50,00012 Month4.85%9.92x (National Avg. - 0.49%)$5,000-SCENARIO
Year Rate
4.85%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,425 1,698 2 52,425 2,543 1,780 3 54,968 2,666 1,866 4 57,634 2,795 1,957 5 60,429 2,931 2,052 6 63,360 3,073 2,151 7 66,433 3,222 2,255 8 69,654 3,378 2,365 9 73,033 3,542 2,479 10 76,575 3,714 2,600 11 80,289 3,894 2,726 12 84,183 4,083 2,858 13 88,266 4,281 2,997 14 92,546 4,489 3,142 15 97,035 4,706 3,294 16 101,741 4,934 3,454 17 106,676 5,174 3,622 18 111,849 5,425 3,797 19 117,274 5,688 3,981 20 122,962 5,964 4,175 TOTAL $78,925 $55,248 - 8LOCAL CDBank-$50,00012 Month5.65%11.55x (National Avg. - 0.49%)$1,000-SCENARIO
Year Rate
5.65%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,825 1,978 2 52,825 2,985 2,089 3 55,810 3,153 2,207 4 58,963 3,331 2,332 5 62,294 3,520 2,464 6 65,814 3,718 2,603 7 69,532 3,929 2,750 8 73,461 4,151 2,905 9 77,611 4,385 3,070 10 81,997 4,633 3,243 11 86,629 4,895 3,426 12 91,524 5,171 3,620 13 96,695 5,463 3,824 14 102,158 5,772 4,040 15 107,930 6,098 4,269 16 114,028 6,443 4,510 17 120,471 6,807 4,765 18 127,277 7,191 5,034 19 134,469 7,597 5,318 20 142,066 8,027 5,619 TOTAL $100,093 $70,065
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