BlastPoint's Banking Scorecard

Bank OZK

$10B-$250B Specialty: Commercial AR FDIC cert 110

Little Rock, AR

272 branches across AR · GA · FL · TX · NC · CA · TN · MS · NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 4 in AR.
Deposits +1.4% year over year ($34.0B on the books).
Delinquency rate 0.94%.
Return on assets 1.60%.
Efficiency ratio 39.52% vs a 53.67% peer average.
Loan-to-deposit ratio 94.42% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 4 in AR

View $10B-$250B leaderboard (AR) →

Bank OZK has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.21% above tier average
+ Net Interest Margin 0.22% above tier average
+ Efficiency Ratio 14.15% below tier average
+ Delinquency Rate 0.08% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 5.0% in tier
- Margin Compression: Bottom 38.9% in tier
- Nonperforming Asset Ratio 0.68% above tier average

Get updates when Bank OZK releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$41.7B +0.6% YoY +0.1% QoQ	-$1.9B	$43.6B -13.8% YoY	$2.4B +2.9% YoY	$6.3B +7.7% YoY	73%
Total Loans ?	$32.1B -1.2% YoY -1.2% QoQ	+$4.1B	$28.0B -8.6% YoY	$1.7B +5.8% YoY	$3.2B +9.4% YoY	76%
Total Deposits ?	$34.0B +1.4% YoY +0.7% QoQ	-$1.4B	$35.4B -14.0% YoY	$2.0B +2.5% YoY	$4.9B +7.3% YoY	74%
Return on Assets ?	1.60% -10.8% YoY +0.8% QoQ	+0.21%	1.39% +25.9% YoY	1.32% +8.9% YoY	1.30% +12.1% YoY	77%
Net Interest Margin ?	4.14% -2.8% YoY +0.7% QoQ	+0.22%	3.92% +8.9% YoY	4.10% +6.0% YoY	3.95% +4.9% YoY	80%
Efficiency Ratio ?	39.52% +10.3% YoY +0.4% QoQ	-14.15%	53.67% -1.9% YoY	61.09% -4.5% YoY	70.05% +2.5% YoY	Top 11.5% in tier
Delinquency Rate ?	0.94% +419.3% YoY +2.5% QoQ	-0.08%	1.01% -2.8% YoY	1.05% +22.1% YoY	0.98% +16.3% YoY	30%
Loan-to-Deposit Ratio ?	94.42% -2.6% YoY -1.9% QoQ	+11.81%	82.61% +3.1% YoY	82.37% +1.8% YoY	79.03% +2.3% YoY	19%
Non-Interest-Bearing Deposit Share ?	11.62% +1.6% YoY +0.6% QoQ	-8.96%	20.58% +4.9% YoY	19.62% +0.3% YoY	21.98% -0.6% YoY	21%
Nonperforming Asset Ratio ?	1.41% +169.5% YoY +31.8% QoQ	+0.68%	0.73% +5.8% YoY	0.84% +30.0% YoY	0.69% +15.8% YoY	Bottom 7.9% in tier
Tier 1 Capital Ratio ?	12.56% +5.6% YoY +1.7% QoQ	-2.79%	15.35% -0.4% YoY	13.64% +0.9% YoY	17.09% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.17% +6.0% YoY +116.2% QoQ	-0.33%	0.50% +10.5% YoY	0.36% -4.6% YoY	0.66% +5.2% YoY	19%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Noninterest-Bearing	11.6% +0.2pp YoY +0.1pp QoQ	-9.4pp	21.0%	19.6%	22.2%	18%
Brokered Deposits	7.4% -1.1pp YoY +0.1pp QoQ	-1.8pp	9.2%	7.2%	8.5%	62%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
C&I	14.3% +7.2pp YoY +2.6pp QoQ	-2.8pp	17.2%	12.7%	12.5%	45%
CRE	56.5% -10.0pp YoY -4.1pp QoQ	+14.5pp	42.0%	41.0%	41.4%	78%
1-4 Family	5.2% +0.5pp YoY +0.1pp QoQ	-17.9pp	23.1%	28.1%	31.3%	9%
Consumer	14.0% +1.6pp YoY +0.6pp QoQ	+1.1pp	12.9%	4.5%	5.0%	80%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
CET1 Ratio	11.8% +0.7pp YoY +0.2pp QoQ	-3.5pp	15.3%	15.1%	19.7%	17%
Leverage Ratio	14.0% +0.4pp YoY +0.2pp QoQ	+3.5pp	10.4%	11.9%	12.6%	96%
Total Capital Ratio	14.8% +0.7pp YoY +0.2pp QoQ	-1.7pp	16.5%	16.3%	20.8%	60%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Full-Time Employees	3,286 +81 (+2.5%) YoY -65 (-1.9%) QoQ	+28	3,258	315	482	72%
Assets per Employee ($)	$12.7M -1.9% YoY +2.1% QoQ	-$14.3M	$27.0M	$6.7M	$8.8M	53%
Branch Count	272 +16 (+6.2%) YoY +1 (+0.4%) QoQ	+134	137	25	18	88%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.4%	0.1%	0.4%	n/a
Nonaccrual	0.9% +0.8pp YoY 0.0pp QoQ	+0.2pp	0.7%	1.1%	1.0%	80%
Allowance Coverage	1.54x -82.7% YoY -5.1% QoQ	-1.27x	2.81x	4.69x	20.23x	40%
Net Charge-off Rate (YTD)	0.6% +0.4pp YoY +0.1pp QoQ	+0.2pp	0.4%	0.2%	0.2%	86%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
ROE	10.7% -1.5pp YoY 0.0pp QoQ	-1.9pp	12.6%	12.3%	11.6%	48%
Cost of Funds (YTD)	2.6% -0.4pp YoY 0.0pp QoQ	+0.6pp	2.0%	2.0%	1.7%	83%
Net Income ($, YTD)	$330.7M -6.8% YoY — QoQ	+$33.9M	$296.8M	$16.0M	$40.4M	75%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#3 of 40 • Bottom 5.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.42%

(Tier: 82.61%, National: 79.03%)

worse than tier avg

40 of 40 Large banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Margin Compression

decline

#8 of 18 • Bottom 38.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.60%

(Tier: 1.39%, National: 1.30%)

better than tier avg

18 of 18 Large banks match · 413 nationally

→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 39.52%

Peer Median: 53.67%

#17 of 139 Top 11.5% in $10B-$250B

Net Interest Margin

profitability

Value: 4.14%

Peer Median: 3.92%

#29 of 139 Top 20.1% in $10B-$250B

Return on Assets

profitability

Value: 1.60%

Peer Median: 1.39%

#33 of 139 Top 23.0% in $10B-$250B

Total Loans

size

Value: $32.10B

Peer Median: $27.97B

#34 of 139 Top 23.7% in $10B-$250B

Top Weaknesses (4 metrics)

129

Nonperforming Asset Ratio

credit_quality

Value: 1.41%

Peer Median: 0.73%

#129 of 139 Bottom 7.9% in $10B-$250B

114

Loan-to-Deposit Ratio

liquidity

Value: 94.42%

Peer Median: 82.61%

#114 of 139 Bottom 18.7% in $10B-$250B

113

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.50%

#113 of 139 Bottom 19.4% in $10B-$250B

111

Non-Interest-Bearing Deposit Share

funding

Value: 11.62%

Peer Median: 20.58%

#111 of 139 Bottom 20.9% in $10B-$250B