Bank OZK (OZK) Quarterly Income Statement

120+ quarters historyFree accessUpdated daily

Bank OZK (OZK) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

OZK Income Statement

Bank OZK (OZK) annual income statement — 30-year revenue, gross profit & net income history

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23	Q2'23	Q1'23	Q4'22	Q3'22	Q2'22	Q1'22	Q4'21	Q3'21

Net Interest Income	392.15M	385.57M	407.05M	413.86M	396.75M	374.51M	379.4M	389.4M	387.99M	376.93M	370.55M	367.26M	356.82M	344.85M	332.49M	294.62M	265.79M	249.34M	266.38M	247.96M
NII Growth %	-1.16%	2.95%	7.29%	6.28%	2.26%	-0.64%	2.39%	6.03%	8.74%	9.3%	11.45%	24.66%	34.25%	38.3%	24.82%	18.82%	10.4%	6.27%	12.11%	10.37%
Net Interest Margin %	0.94%	0.93%	1%	0.99%	0.96%	0.96%	0.99%	1.04%	1.05%	1.05%	1.08%	1.12%	1.16%	1.19%	1.2%	1.12%	1.03%	0.94%	1%	0.95%
Interest Income	635.02M	629.02M	671.01M	695.03M	668.34M	635.74M	662.63M	682.05M	667.84M	637.05M	605.5M	565.51M	508.45M	448.72M	398.92M	323.29M	281.49M	262.37M	280.48M	262.66M
Interest Expense	242.87M	243.45M	263.96M	281.17M	271.6M	261.23M	283.24M	292.65M	279.84M	260.12M	234.95M	198.25M	151.62M	103.87M	66.43M	28.67M	15.7M	13.03M	14.1M	14.71M
Loan Loss Provision	45.6M	41.95M	50.57M	48.31M	35.22M	38.42M	37.17M	46.44M	49.01M	42.92M	43.83M	44.04M	41.77M	35.83M	32.51M	39.77M	7.03M	4.19M	-7.99M	-7.45M
Non-Interest Income	37.87M	32.53M	33.6M	36.08M	31.29M	34.72M	32.94M	33.6M	28.78M	29.08M	44.87M	25.73M	31.99M	27.81M	25.4M	27.26M	24.48M	29.64M	27.47M	23.73M
Non-Interest Income %	8.81%	7.78%	7.63%	8.02%	7.31%	8.49%	7.99%	7.94%	6.91%	7.16%	10.8%	6.55%	8.23%	7.46%	7.1%	8.47%	8.43%	10.62%	9.35%	8.73%
Total Net Revenue	430.02M	418.1M	440.65M	449.94M	428.04M	409.23M	412.34M	423M	416.78M	406.02M	415.41M	392.99M	388.81M	372.66M	357.89M	321.88M	290.27M	278.98M	293.85M	271.69M
Revenue Growth %	0.46%	2.17%	6.87%	6.37%	2.7%	0.79%	-0.74%	7.64%	7.19%	8.95%	16.07%	22.09%	33.95%	33.58%	21.79%	18.47%	8.94%	5.29%	11.18%	9.24%
Non-Interest Expense	170.65M	164.54M	161.65M	159.31M	153.16M	146.95M	140.13M	140.4M	137.45M	133.31M	152.85M	128.98M	129.35M	126.22M	116.87M	113.79M	107.46M	105.88M	107.88M	108.14M
Efficiency Ratio	39.68%	39.35%	36.68%	35.41%	35.78%	35.91%	33.98%	33.19%	32.98%	32.83%	36.79%	32.82%	33.27%	33.87%	32.66%	35.35%	37.02%	37.95%	36.71%	39.8%
Operating Income	213.77M	211.61M	228.43M	242.31M	239.66M	223.86M	235.04M	236.16M	230.31M	229.78M	218.73M	219.97M	217.68M	210.62M	208.51M	168.32M	175.79M	168.91M	193.96M	171M
Operating Margin %	49.71%	50.61%	51.84%	53.86%	55.99%	54.7%	57%	55.83%	55.26%	56.59%	52.65%	55.97%	55.99%	56.52%	58.26%	52.29%	60.56%	60.55%	66.01%	62.94%
Operating Income Growth %	-10.8%	-5.47%	-2.81%	2.61%	4.06%	-2.58%	7.45%	7.36%	5.8%	9.1%	4.9%	30.69%	23.83%	24.69%	7.5%	-1.57%	-10.18%	-12.14%	24.24%	23.47%
Pretax Income	213.77M	211.61M	228.43M	242.31M	239.66M	223.86M	235.04M	236.16M	230.31M	229.78M	218.73M	219.97M	217.68M	210.62M	208.51M	168.32M	175.79M	168.91M	193.96M	171M
Pretax Margin %	49.71%	50.61%	51.84%	53.86%	55.99%	54.7%	57%	55.83%	55.26%	56.59%	52.65%	55.97%	55.99%	56.52%	58.26%	52.29%	60.56%	60.55%	66.01%	62.94%
Income Tax	46.4M	48.25M	52.52M	57.74M	56.66M	51.89M	52.83M	54.95M	52.78M	54.23M	43.6M	46.14M	45.72M	40.7M	45.69M	35.97M	39.38M	36.41M	44.2M	40.71M
Effective Tax Rate %	21.71%	22.8%	22.99%	23.83%	23.64%	23.18%	22.48%	23.27%	22.92%	23.6%	19.93%	20.98%	21%	19.33%	21.91%	21.37%	22.4%	21.56%	22.79%	23.81%
Net Income	167.37M	163.36M	175.96M	184.58M	182.98M	171.96M	182.18M	181.19M	177.54M	175.54M	175.13M	173.79M	171.96M	169.9M	162.88M	132.35M	136.41M	132.51M	149.76M	130.29M
Net Margin %	38.92%	39.07%	39.93%	41.02%	42.75%	42.02%	44.18%	42.84%	42.6%	43.23%	42.16%	44.22%	44.23%	45.59%	45.51%	41.12%	46.99%	47.5%	50.97%	47.96%
Net Income Growth %	-8.53%	-5%	-3.41%	1.87%	3.06%	-2.04%	4.03%	4.26%	3.24%	3.32%	7.52%	31.31%	26.07%	28.22%	8.76%	1.58%	-9.39%	-10.72%	24.27%	19.26%
Net Income (Continuing)	167.37M	163.36M	175.91M	184.57M	183M	171.97M	182.21M	181.21M	177.53M	175.56M	175.13M	173.83M	171.97M	169.91M	162.82M	132.35M	136.41M	132.5M	149.77M	130.28M
EPS (Diluted)	1.49	1.44	1.53	1.59	1.58	1.47	1.56	1.55	1.52	1.51	1.50	1.49	1.47	1.41	1.34	1.08	1.10	1.02	1.15	1.00
EPS Growth %	-5.7%	-2.04%	-1.92%	2.58%	3.95%	-2.65%	4%	4.03%	3.4%	7.09%	11.94%	37.96%	33.64%	38.24%	16.52%	8%	-5.17%	-10.53%	23.66%	19.05%
EPS (Basic)	1.49	1.44	1.54	1.60	1.59	1.48	1.57	1.56	1.53	1.51	1.51	1.50	1.47	1.42	1.35	1.08	1.10	1.03	1.16	1.01
Diluted Shares Outstanding	109.7M	110.92M	112.07M	113.54M	113.77M	114.22M	114.02M	114.03M	114M	113.88M	113.76M	113.77M	114.28M	117.41M	118.2M	118.86M	120.83M	125M	129.93M	129.93M