The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 7 points (83 → 76), mostly because the loan quality component weakened by 25 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Arkansas

Yes. Bank OZK is an FDIC-insured institution (FDIC certificate #110). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.5% of deposits ($11.0B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.96%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.83% (benchmark: 10%).

Check how much of your own balance is covered

Bank OZK lists 255 offices in 174 cities across 6 states. Most locations:

• Little Rock, AR (10)
• Hot Springs, AR (7)
• Houston, TX (7)
• Bradenton, FL (4)
• Conway, AR (4)
• Dallas, TX (4)
• Shelby, NC (4)
• Tampa, FL (4)
• Benton, AR (3)
• Cumming, GA (3)
• Fayetteville, AR (3)
• Fort Myers, FL (3)

All branch addresses and map

Over the last three years, the CFPB forwarded 153 consumer complaints about BANK OZK to the company (67 in the last 12 months). 100.0% received a timely response. That is 4.5 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Bank OZK reported 5,000 home-loan applications under HMDA (LEI 549300VYK2WBD7SST478): 2,626 originated ($1,290,290,000 total), 1,669 denied, and 584 withdrawn or closed by the applicant. Its denial rate on decided applications was 37.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Bank OZK

Former names

Bank of the Ozarks, nwa; Bank of the Ozarks; Newton County Bank

Type

State-chartered bank

FDIC certificate #

110

RSSD ID

107244

Primary regulator

FDIC

Established

March 3, 1903

Headquarters

18000 Cantrell Rd, Little Rock, AR 72223

Website

www.ozk.com

Employees

3,286