🏦Bank Scorer

BANK OZK

LITTLE ROCK, AR · Supervised by FDIC

Est. 1903FDIC #110RSSD: FDIC-110
Satisfactory Same

Current rating · Exam: March 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Consumer Complaints (12 mo)

4

0.1 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 1.59%

Institution Profile

FDIC BankFind

Address

18000 Cantrell Rd, LITTLE ROCK, AR

County

Pulaski County

Established

March 3, 1903

Total Assets

$41.7B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2023

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$41.7B

Total Deposits

$33.8B

Net Loans

$32.5B

Net Income

$163M

ROA

1.59%

ROE

10.64%

Risk-Based Capital

14.63%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

Mortgage Denial Rate39.32%Peer avg: 26.91%▼ Below avg
Complaints / $B0.10Peer avg: 0.04▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

242

Branch Deposits

$33.5B

1-Year Change

+12

5-year net change: +3 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243,99046.12%39.32%
20231,88945.37%41.40%
20222,28152.3%35.03%
20212,65851.39%34.01%
20203,17448.87%34.15%
20193,48546.08%40.60%
20183,32148.54%37.88%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Consumer Complaints

CFPB · through Jun 2026

Last 12 Months

4

All Time

15

Monetary Relief

0%

Untimely Response

0%

Most common complaint type: Checking or savings account· 0.1 per $B assets (12m)

Monthly Complaints (last 24 months)

MonthComplaintsWith Monetary Relief
July 202400
August 202400
September 202400
October 202400
November 202400
December 202400
January 202500
February 202500
March 202500
April 202500
May 202500
June 202500
July 202500
August 202500
September 202510
October 202500
November 202500
December 202510
January 202600
February 202600
March 202610
April 202600
May 202600
June 202610

Data through Jun 2026. Zero-height bars indicate months with no complaints on record.

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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