Side-by-side · Q2 2026 data
Bank OZK vs Live Oak Banking Company
Metric by metric
| Measure | Bank OZK | Live Oak Banking Company |
|---|---|---|
| TellerScore | 76 (stronger) | 33 |
| Capital cushion | 90 (stronger) | 30 |
| Loan quality | 69 (stronger) | 0 |
| Earnings | 84 (stronger) | 58 |
| Funding & liquidity | 46 | 70 (stronger) |
| Problem-loan coverage | 83 (stronger) | 23 |
| Peer percentile | 91st | 2nd |
| Total assets | $41.7B | $16.0B |
| Deposits / shares | $34.0B | $14.7B |
| Capital ratio | 13.96% (stronger) | 7.99% |
| Problem loans | 0.92% (stronger) | 4.01% |
| Net charge-offs | 0.62% (stronger) | 0.67% |
| Return on assets | 1.60% (stronger) | 0.96% |
| Loans ÷ deposits | 94.4% | 88.2% (stronger) |
| Uninsured deposits | 32.5% | 16.6% (stronger) |
| Offices | 255 | 1 |
| CFPB complaints (3 yrs) | 153 | 101 |
| Complaints per $1B deposits | 4.5 (stronger) | 6.9 |
| Mortgage denial rate (HMDA) | 37.8% | — |
Bank OZK has the higher TellerScore (76 vs 33). On the 8 directional measures above (where higher or lower is clearly better), Bank OZK leads on 6 and Live Oak Banking Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.