The bank maintains a stable capital structure with an equity-to-assets ratio consistently held at approximately 0.15, supporting a $41.7 billion asset base as of 2026Q1.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Dec'02 | Dec'01 | Dec'00 | Dec'99 | Dec'98 | Dec'97 | Dec'96 |
|---|
| Cash & Short Term Investments | 8.39B | 0 | 3.35B | 5.39B | 4.53B | 5.97B | 5.8B | 3.77B | 3.15B | 3.06B | 2.34B | 693.34M | 989.52M | 865.36M | 702.23M | 497.84M | 49.03M | 78.29M | 40.98M | 47.52M | 42.73M | 40.59M | 41.55M | 28.83M | 25.18M | 31.33M | 20.54M | 24.6M | 15M | 15.6M | 6.8M |
| Cash & Due from Banks | 1.7B | 0 | 2.78B | 2.15B | 1.03B | 2.05B | 2.39B | 1.5B | 290.67M | 440.39M | 866.36M | 90.99M | 150.2M | 195.97M | 207.97M | 58.93M | 49.03M | 78.29M | 40.98M | 47.52M | 42.73M | 40.59M | 41.55M | 28.83M | 25.18M | 31.33M | 20.54M | 24.6M | 15M | 15.6M | 6.8M |
| Short Term Investments | 0 | 0 | 565.5M | 3.24B | 3.49B | 3.92B | 3.41B | 2.28B | 2.86B | 2.59B | 1.47B | 602.35M | 839.32M | 669.38M | 494.27M | 438.91M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 36.51B | 0 | 32.34B | 29.36B | 24.06B | 22.02B | 22.32B | 19.7B | 19.88B | 18.54B | 15.96B | 8.88B | 5.91B | 3.98B | 3.21B | 3.09B | 2.71B | 2.37B | 2.94B | 2.43B | 2.28B | 1.93B | 1.55B | 1.26B | 939.13M | 794.53M | 757.15M | 724.5M | 559.4M | 314.2M | 251M |
| Investments Growth % | -67.83% | -100% | 10.13% | 22.04% | 9.26% | -1.33% | 13.29% | -0.89% | 7.2% | 16.2% | 79.79% | 50.08% | 48.47% | 24.13% | 3.79% | 13.99% | 14.39% | -19.25% | 20.85% | 6.58% | 18.26% | 24.14% | 23.29% | 34.13% | 18.2% | 4.94% | 4.51% | 29.51% | 78.04% | 25.18% | - |
| Long-Term Investments | 106.04B | 0 | 31.77B | 26.12B | 20.57B | 18.11B | 18.91B | 17.42B | 17.02B | 15.95B | 14.49B | 8.27B | 5.07B | 3.31B | 2.71B | 2.65B | 2.71B | 2.37B | 2.94B | 2.43B | 2.28B | 1.93B | 1.55B | 1.26B | 939.13M | 794.53M | 757.15M | 724.5M | 559.4M | 314.2M | 251M |
| Accounts Receivables | 176.25M | 0 | 174.03M | 170.11M | 125.13M | 83.03M | 88.08M | 75.21M | 81.97M | 64.61M | 51.92M | 25.5M | 20.19M | 14.36M | 13.2M | 12.87M | 13.9M | 14.76M | 18.88M | 17.42M | 17.38M | 13.8M | 8.56M | 7.03M | 6.03M | 5.82M | 8.89M | 7.2M | 5.5M | 3M | 2.6M |
| Goodwill & Intangibles | 660.79M | 660.79M | 660.79M | 660.79M | 663.54M | 669.06M | 675.46M | 684.54M | 696.46M | 709.04M | 720.95M | 152.34M | 105.58M | 19.16M | 11.74M | 12.04M | 7.92M | 5.55M | 5.66M | 17.42M | 6.14M | 6.4M | 8.56M | 6.38M | 6.03M | 5.82M | 3.06M | 7.2M | 3.7M | 3M | 2.6M |
| Goodwill | 660.79M | 660.79M | 660.79M | 660.79M | 660.79M | 660.79M | 660.79M | 660.79M | 660.79M | 660.79M | 660.1M | 125.4M | 78.67M | 5.24M | 5.24M | 5.24M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 2.75M | 8.27M | 14.67M | 23.75M | 35.67M | 48.25M | 60.85M | 26.94M | 26.91M | 13.91M | 6.5M | 6.8M | 7.92M | 5.55M | 5.66M | 17.42M | 6.14M | 6.4M | 8.56M | 6.38M | 6.03M | 5.82M | 3.06M | 7.2M | 3.7M | 3M | 2.6M |
| PP&E (Net) | 973.25M | 922M | 739.11M | 676.82M | 678.4M | 695.86M | 738.84M | 711.54M | 567.19M | 519.81M | 504.09M | 296.24M | 273.59M | 245.47M | 225.75M | 186.53M | 170.5M | 156.2M | 152.59M | 130.05M | 116.68M | 88.79M | 65.18M | 50.25M | 39.05M | 33.12M | 30.54M | 30.5M | 27.2M | 13.4M | 6.9M |
| Other Assets | 1.64B | -1.58B | 1.56B | 1.22B | 1.09B | 1.01B | 947.86M | 887.77M | 873.84M | 999.02M | 788.64M | 438.23M | 302.72M | 332.69M | 372.32M | 479.17M | 166.76M | 144.84M | 78.72M | 80.08M | 66.64M | 57.47M | 51.92M | 34.39M | 23.79M | 3.75M | 6.76M | 5.9M | 1.6M | 4.5M | 1.9M |
| Total Current Assets | 1.88B | 3.07B | 3.52B | 5.56B | 4.65B | 6.05B | 5.89B | 3.85B | 3.23B | 3.1B | 2.39B | 718.84M | 1.01B | 879.72M | 715.43M | 510.7M | 216.04M | 93.05M | 59.86M | 64.94M | 60.12M | 54.39M | 50.11M | 35.86M | 31.21M | 37.15M | 29.43M | 31.8M | 20.5M | 18.6M | 9.4M |
| Total Non-Current Assets | 39.79B | 0 | 34.74B | 28.67B | 23.01B | 20.48B | 21.28B | 19.71B | 19.15B | 18.18B | 16.5B | 9.16B | 5.76B | 3.91B | 3.32B | 3.33B | 3.06B | 2.68B | 3.17B | 2.65B | 2.47B | 2.08B | 1.68B | 1.35B | 1B | 834.23M | 797.52M | 764.2M | 591.9M | 333.5M | 261.2M |
| Total Assets | 41.66B | 40.79B | 38.26B | 34.24B | 27.66B | 26.53B | 27.16B | 23.56B | 22.39B | 21.28B | 18.89B | 9.88B | 6.77B | 4.79B | 4.04B | 3.84B | 3.27B | 2.77B | 3.23B | 2.71B | 2.53B | 2.13B | 1.73B | 1.39B | 1.04B | 871.38M | 826.95M | 796M | 612.4M | 352.1M | 270.6M |
| Asset Growth % | 36.64% | 6.6% | 11.75% | 23.79% | 4.24% | -2.33% | 15.31% | 5.22% | 5.23% | 12.63% | 91.21% | 46.01% | 41.35% | 18.49% | 5.21% | 17.3% | 18.15% | -14.3% | 19.27% | 7.17% | 18.48% | 23.63% | 24.54% | 33.85% | 18.88% | 5.37% | 3.89% | 29.98% | 73.93% | 30.12% | - |
| Return on Assets (ROA) | 1.71% | 1.81% | 1.98% | 2.23% | 2.08% | 2.16% | 1.15% | 1.85% | 1.91% | 2.1% | 1.88% | 2.19% | 2.05% | 2.07% | 1.96% | 2.85% | 2.12% | 1.44% | 1.15% | 1.21% | 1.36% | 1.63% | 1.66% | 1.67% | 1.51% | 1.05% | 0.94% | 1.05% | 1.16% | 1.45% | 1.11% |
| Accounts Payable | 0 | 0 | 0 | 0 | 233.86M | 186.84M | 251.94M | 221.79M | 216.35M | 186.16M | 72.62M | 52.17M | 36.89M | 16.77M | 27.61M | 45.51M | 0 | 0 | 27.52M | 11.98M | 9.06M | 8.97M | 3.88M | 3.89M | 5.41M | 3.87M | 3.13M | 3M | 2.4M | 1.8M | 2.3M |
| Total Debt | 813.88M | 463.58M | 883.04M | 1.27B | 1.08B | 1.23B | 1.1B | 706.22M | 459.89M | 433.35M | 447.77M | 388.02M | 321.38M | 398.95M | 375.26M | 399.61M | 390.41M | 451.77M | 536.76M | 447.57M | 300.61M | 384.87M | 221.62M | 222.09M | 150.1M | 115.9M | 80.54M | 136M | 39.2M | 19.1M | 18.1M |
| Net Debt | -888.12M | 463.58M | -1.9B | -874.8M | 41.75M | -824.23M | -1.29B | -789.54M | 169.22M | -7.04M | -418.59M | 297.04M | 171.18M | 202.97M | 167.3M | 340.68M | 341.38M | 373.48M | 495.78M | 400.05M | 257.88M | 344.28M | 180.07M | 193.26M | 124.92M | 84.57M | 60M | 111.4M | 24.2M | 3.5M | 11.3M |
| Long-Term Debt | 463.24M | 463.58M | 883.04M | 1.27B | 1.08B | 1.22B | 1.1B | 694.97M | 439.33M | 364.02M | 382.66M | 322.23M | 255.81M | 345.85M | 345.71M | 366.8M | 347.09M | 407.5M | 489.9M | 401.48M | 259.61M | 349.2M | 188.4M | 192.19M | 129.37M | 99.69M | 66.7M | 127M | 12.4M | 5.1M | 5.4M |
| Short-Term Debt | 350.64M | 0 | 0 | 0 | 0 | 6.12M | 8.01M | 11.25M | 20.56M | 69.33M | 65.11M | 65.8M | 65.58M | 53.1M | 29.55M | 32.81M | 43.32M | 44.27M | 46.86M | 46.09M | 41M | 35.67M | 33.22M | 29.9M | 20.74M | 16.21M | 13.84M | 9M | 26.8M | 14M | 12.7M |
| Other Liabilities | 34.69B | -463.58M | 626.55M | 417.61M | 156.42M | 65.49M | 81.48M | 0 | 0 | -186.16M | 0 | 0 | -36.89M | 9.13M | 25.17M | -19.24M | 18.72M | 17.57M | -27.52M | 0 | -9.06M | -8.97M | 0 | -3.89M | 0 | 0 | -3.13M | -100K | -1M | -100K | 0 |
| Total Current Liabilities | 350.64M | 3.83B | 31.04B | 27.41B | 21.73B | 20.4B | 21.71B | 18.71B | 18.18B | 17.63B | 15.71B | 8.09B | 5.64B | 3.8B | 3.16B | 3.07B | 2.58B | 2.07B | 2.44B | 2.12B | 2.1B | 1.65B | 1.42B | 1.1B | 816.32M | 697.82M | 697.78M | 607.9M | 560M | 311M | 246.7M |
| Total Non-Current Liabilities | 35.16B | 0 | 1.51B | 1.69B | 1.23B | 1.29B | 1.18B | 694.97M | 439.33M | 177.85M | 382.66M | 322.23M | 218.91M | 354.97M | 370.88M | 347.56M | 365.81M | 425.08M | 462.37M | 401.48M | 250.55M | 340.23M | 188.4M | 188.3M | 129.37M | 99.69M | 63.58M | 126.9M | 11.4M | 5M | 5.4M |
| Total Liabilities | 35.51B | 34.66B | 32.55B | 29.1B | 22.97B | 21.69B | 22.89B | 19.4B | 18.61B | 17.81B | 16.1B | 8.41B | 5.85B | 4.16B | 3.53B | 3.42B | 2.95B | 2.5B | 2.91B | 2.52B | 2.35B | 1.99B | 1.61B | 1.29B | 945.68M | 797.51M | 761.35M | 734.8M | 572M | 316.4M | 252.1M |
| Total Equity | 6.16B | 6.13B | 5.71B | 5.14B | 4.69B | 4.84B | 4.28B | 4.15B | 3.77B | 3.46B | 2.79B | 1.47B | 911.84M | 628.43M | 511.11M | 427.97M | 323.77M | 272.47M | 327.6M | 194.26M | 174.63M | 149.4M | 121.41M | 98.49M | 90.17M | 73.87M | 65.6M | 61.2M | 40.4M | 35.7M | 18.5M |
| Equity Growth % | 31.47% | 7.42% | 11.02% | 9.57% | -3.07% | 13.19% | 2.93% | 10.07% | 8.94% | 23.93% | 90.41% | 60.97% | 45.1% | 22.95% | 19.42% | 32.18% | 18.83% | -16.83% | 68.64% | 11.24% | 16.89% | 23.06% | 23.27% | 9.22% | 22.07% | 12.6% | 7.19% | 51.49% | 13.17% | 92.97% | - |
| Equity / Assets (Capital Ratio) | 14.78% | 15.03% | 14.91% | 15.01% | 16.96% | 18.24% | 15.74% | 17.63% | 16.85% | 16.28% | 14.8% | 14.86% | 13.48% | 13.13% | 12.65% | 11.15% | 9.89% | 9.83% | 10.13% | 7.17% | 6.9% | 7% | 7.03% | 7.1% | 8.7% | 8.48% | 7.93% | 7.69% | 6.6% | 10.14% | 6.84% |
| Return on Equity (ROE) | 11.63% | 12.09% | 13.21% | 14.05% | 11.84% | 12.7% | 6.93% | 10.75% | 11.53% | 13.48% | 12.67% | 15.32% | 15.4% | 16.01% | 16.41% | 26.96% | 21.47% | 14.37% | 13.12% | 17.21% | 19.56% | 23.26% | 23.54% | 21.42% | 17.56% | 12.85% | 12.03% | 14.57% | 14.72% | 16.61% | 16.22% |
| Book Value per Share | 55.50 | 54.70 | 50.05 | 44.76 | 38.86 | 37.34 | 33.03 | 32.20 | 29.31 | 27.53 | 26.69 | 16.80 | 11.68 | 8.68 | 7.32 | 6.21 | 4.74 | 4.03 | 4.85 | 2.89 | 2.60 | 2.23 | 1.83 | 1.51 | 1.44 | 1.21 | 1.09 | 1.01 | 0.66 | 0.68 | 0.40 |
| Tangible BV per Share | 49.55 | 48.80 | 44.25 | 39.01 | 33.37 | 32.17 | 27.81 | 26.89 | 23.90 | 21.90 | 19.81 | 15.06 | 10.33 | 8.42 | 7.16 | 6.03 | 4.63 | 3.95 | 4.77 | 2.63 | 2.51 | 2.13 | 1.70 | 1.41 | 1.34 | 1.11 | 1.04 | 0.89 | 0.60 | 0.63 | 0.35 |
| Common Stock | 1.09M | 1.1M | 1.14M | 1.13M | 1.17M | 1.25M | 1.29M | 1.29M | 1.29M | 1.28M | 1.21M | 906K | 799K | 737K | 353K | 345K | 170K | 169K | 169K | 168K | 167K | 167K | 165K | 162K | 78K | 38K | 38K | 0 | 0 | 0 | 0 |
| Additional Paid-in Capital | 1.44B | 1.5B | 1.63B | 1.61B | 1.75B | 2.09B | 2.27B | 2.25B | 2.24B | 2.22B | 1.9B | 756M | 324.35M | 143.02M | 73.04M | 51.15M | 45.28M | 41.58M | 43.31M | 38.61M | 36.78M | 34.21M | 30.76M | 27.13M | 17.01M | 14.36M | 14.31M | 14.3M | 0 | 0 | 0 |
| Retained Earnings | 4.43B | 4.32B | 3.82B | 3.28B | 2.77B | 2.38B | 1.95B | 1.87B | 1.57B | 1.25B | 914.43M | 706.63M | 571.45M | 484.88M | 423.49M | 363.73M | 275.07M | 221.24M | 193.19M | 167.14M | 142.61M | 117.6M | 92.26M | 71.29M | 54.76M | 42.72M | 35.5M | 31M | 25.9M | 21.2M | 17.3M |
| Accumulated OCI | -47.9M | -24.86M | -76.14M | -97.37M | -177.65M | 23.84M | 58.25M | 27.25M | -34.1M | -12.71M | -25.92M | 7.96M | 14.13M | -3.67M | 10.78M | 9.33M | -167K | 6.03M | 15.62M | -15.09M | -4.92M | -2.57M | -1.78M | -100K | 1.07M | -499K | -1.5M | -1.5M | 100K | 200K | 100K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -6.86M | -2.35M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 338.98M | 338.98M | 338.98M | 338.98M | 338.98M | 338.98M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 71.88M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CRE construction concentration risk
As reported in recent financial statements, Bank OZK has grown its total assets from $34.2 billion in 2023Q4 to $41.7 billion in 2026Q1, indicating a consistent expansion strategy that prioritizes the scaling of its specialized construction loan portfolio over passive securities holdings.
The steady growth in total assets suggests that the bank is successfully deploying capital into its core RESG niche despite broader market volatility. Investors should monitor whether this asset growth remains tethered to high-quality, senior-secured projects or if the bank is forced to move down the capital stack to maintain its current expansion trajectory.
Based on the provided quarterly data, the equity-to-assets ratio has remained remarkably consistent at approximately 0.15, suggesting that Bank OZK is effectively managing its capital base to support asset growth while maintaining a stable buffer against potential credit losses in its construction book.
This consistent capital ratio implies a disciplined approach to balance sheet management, ensuring that the bank remains well-capitalized even as it scales its complex lending operations. The stability of this metric warrants further investigation into whether management intends to utilize this capital for further expansion or if it will be returned to shareholders.
According to recent SEC filings, the bank's cash and cash equivalents fluctuated between $1.7 billion and $3.1 billion over the last ten quarters, reflecting a tactical liquidity management strategy designed to balance the funding needs of its large-scale construction commitments with broader market interest rate conditions.
The variability in cash positions suggests that the bank is not maintaining excessive idle liquidity, which is consistent with its focus on maximizing interest-earning asset deployment. However, this lean liquidity profile may leave the bank sensitive to sudden deposit outflows or unexpected delays in project-based loan repayments.
Based on reported figures, the bank's heavy reliance on large-scale construction lending, as evidenced by the $36.5 billion in investment securities and loans, creates a significant exposure to commercial real estate cycles that may not be fully captured by traditional bank risk metrics.
While the bank's senior-secured position provides a theoretical cushion, the concentration in complex urban projects implies that a localized downturn in gateway cities could disproportionately impact the balance sheet. Investors should monitor the weighted average loan-to-value ratios closely, as these are the primary defense against potential collateral value erosion.
Quick answers to the most common questions about buying OZK stock.
As of 2025, Bank OZK (OZK) had total assets of $40.79B including $3.07B in current assets.
Bank OZK (OZK) carries total debt of $463.6M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Bank OZK (OZK) has total shareholders' equity (book value) of $6.13B ($54.70 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Bank OZK (OZK) reported a current ratio of 0.80x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.