BlastPoint's Banking Scorecard
Bank OZK
Little Rock, AR
272 branches across AR · GA · FL · TX · NC · CA · MS · NY · TN
Bank OZK has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.30% above tier average
- + Net Interest Margin 0.34% above tier average
- + Efficiency Ratio 14.55% below tier average
- + Delinquency Rate 0.11% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 42.9% in tier
- - Liquidity Strain: Bottom 44.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$41.7B
+6.4% YoY
+2.2% QoQ
|
-$5.7B |
$47.4B
-2.0% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.0% YoY
|
70% |
| Total Loans ? |
$32.5B
+6.1% YoY
+2.1% QoQ
|
+$2.9B |
$29.6B
-0.4% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.7% YoY
|
74% |
| Total Deposits ? |
$33.8B
+5.8% YoY
+1.1% QoQ
|
-$5.0B |
$38.7B
-1.6% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.0% YoY
|
72% |
| Return on Assets ? |
1.59%
-10.8% YoY
-10.8% QoQ
|
+0.30% |
1.28%
+19.3% YoY
|
1.34%
+14.2% YoY
|
1.24%
+13.1% YoY
|
81% |
| Net Interest Margin ? |
4.11%
-2.8% YoY
-5.0% QoQ
|
+0.34% |
3.77%
+5.6% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
84% |
| Efficiency Ratio ? |
39.35%
+9.6% YoY
+9.5% QoQ
|
-14.55% |
53.90%
-4.0% YoY
|
61.77%
-4.8% YoY
|
66.84%
-3.8% YoY
|
Top 12.6% in tier |
| Delinquency Rate ? |
0.91%
+345.6% YoY
-14.8% QoQ
|
-0.11% |
1.02%
-4.1% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
96.24%
+0.3% YoY
+0.9% QoQ
|
+15.36% |
80.88%
+2.0% YoY
|
80.49%
+1.3% YoY
|
76.69%
+0.9% YoY
|
Bottom 14.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.55%
-4.7% YoY
+0.6% QoQ
|
-8.27% |
19.82%
+0.3% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.1% YoY
|
23% |
| Nonperforming Asset Ratio ? |
1.07%
+97.6% YoY
+10.4% QoQ
|
+0.34% |
0.73%
+4.0% YoY
|
0.79%
+32.8% YoY
|
0.66%
+19.3% YoY
|
Bottom 11.9% in tier |
| Tier 1 Capital Ratio ? |
12.35%
+2.0% YoY
-1.2% QoQ
|
-3.21% |
15.56%
-0.1% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.08%
-11.8% YoY
-76.5% QoQ
|
-0.15% |
0.23%
+0.9% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.0% YoY
|
21% |
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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 (0)
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.