Banks | Bank OZK

Bank OZK


Bank OZK is an FDIC insured institution headquartered at 18000 Cantrell Rd, Little Rock, AR 72223.
It was founded in 1903 and has approximately $26 billion in assets. Customers can open an account at one of its 270 branches.

Deposit Rates - March 25, 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

Overview 2023

General Bank Information

FDIC Insured Yes
FDIC Certificate # 110
Date Established 1903
Assets $ 25.92 billion
Loans $ 19.31 billion
Deposits $ 20.40 billion
Capital $ 4.54 billion

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $ 895.82 million
Interest-bearing balances $ 713.35 million
Total securities $ 3.53 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 19.31 billion
Loan loss allowance $ 200.10 million
Trading account assets $ 2.48 million
Bank premises and fixed assets N.A.
Other real estate owned $ 6.28 million
Goodwill and other intangibles $ 664.73 million
All other assets $ 1,162.34 million
     Total Assets $ 21.69 billion

LIABILITIES
Total deposits $ 20.40 billion
      Interest-bearing deposits $ 15.58 billion
      Deposits held in domestic offices $ 20.40 billion
      % insured (estimated) 60.19%
Federal funds purchased and repurchase agreements $ 6.45 million
Trading liabilities N.A.
Other borrowed funds $ 500.03 million
Subordinated debt $ 468.19 million
All other liabilities $ 352.81 millionn
      Total Liabilities $ 21.69 billion
      Shareholders’ Equity $ 4.23 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $ 867.15 million
Total Interest Expense $ 57.39 million
Net interest income $ 809.75 million
Provision for loan and lease losses $ 50.99 million
Total non interest income $ 86.96 million
Total non interest expense $ 332.71 million
Pre-tax Net Operating Income $ 344.70 million

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Branches

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Bank OZK Locations

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.

  • 1
    LOCAL CD
    Bank OZK
    Bank
    ARKANSAS
    $50,000
    11 Month
    1.00%
    N.A.
    $1,000
    -
    SCENARIO
    Year Rate
    1.00%    		 Annual
    Interest    		 Annual 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
  • 2
    LOCAL CD
    Discover Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    60 Month
    4.10%
    5.06x (National Avg. - 0.81%)
    $2,500
    -
    SCENARIO
    Year Rate
    4.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,050 1,435
    2 52,050 2,134 1,494
    3 54,184 2,222 1,555
    4 56,406 2,313 1,619
    5 58,718 2,407 1,685
    6 61,126 2,506 1,754
    7 63,632 2,609 1,826
    8 66,241 2,716 1,901
    9 68,957 2,827 1,979
    10 71,784 2,943 2,060
    11 74,727 3,064 2,145
    12 77,791 3,189 2,233
    13 80,980 3,320 2,324
    14 84,300 3,456 2,419
    15 87,757 3,598 2,519
    16 91,355 3,746 2,622
    17 95,100 3,899 2,729
    18 98,999 4,059 2,841
    19 103,058 4,225 2,958
    20 107,284 4,399 3,079
    TOTAL $61,682 $43,178
  • 3
    LOCAL CD
    Discover Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    24 Month
    4.30%
    7.76x (National Avg. - 0.55%)
    $2,500
    -
    SCENARIO
    Year Rate
    4.30%    		 Annual
    Interest    		 Annual 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
  • 4
    LOCAL CD
    Discover Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    12 Month
    4.50%
    10.25x (National Avg. - 0.44%)
    $2,500
    -
    SCENARIO
    Year Rate
    4.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,250 1,575
    2 52,250 2,351 1,646
    3 54,601 2,457 1,720
    4 57,058 2,568 1,797
    5 59,626 2,683 1,878
    6 62,309 2,804 1,963
    7 65,113 2,930 2,051
    8 68,043 3,062 2,143
    9 71,105 3,200 2,240
    10 74,305 3,344 2,341
    11 77,648 3,494 2,446
    12 81,143 3,651 2,556
    13 84,794 3,816 2,671
    14 88,610 3,987 2,791
    15 92,597 4,167 2,917
    16 96,764 4,354 3,048
    17 101,119 4,550 3,185
    18 105,669 4,755 3,329
    19 110,424 4,969 3,478
    20 115,393 5,193 3,635
    TOTAL $70,586 $49,410


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