BlastPoint's Banking Scorecard
Bank OZK
Large
Specialty: Commercial
AR
FDIC cert 110
Little Rock, AR
69
banks in Large tier nationally
2 in AR
View Large leaderboard (AR) →
Bank OZK shows strong momentum with 2 strengths and 6.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.58% above tier
- + Efficiency Ratio 19.08% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$40.8B
+6.6% YoY
-2.0% QoQ
|
-$34.1B |
$74.9B
-4.4% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$31.8B
+7.9% YoY
-1.5% QoQ
|
-$14.6B |
$46.4B
-2.1% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$33.4B
+7.5% YoY
-1.8% QoQ
|
-$27.1B |
$60.5B
-4.5% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
1.78%
-9.3% YoY
-0.9% QoQ
|
+0.58% |
1.19%
+17.8% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.33%
-5.8% YoY
+0.5% QoQ
|
+0.87% |
3.46%
+13.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
35.94%
+8.1% YoY
+0.7% QoQ
|
-19.08% |
55.03%
-2.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
1.07%
+140.4% YoY
+131.2% QoQ
|
+0.19% |
0.88%
-0.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
95.38%
+0.4% YoY
+0.3% QoQ
|
+13.66% |
81.72%
+3.9% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.48%
-5.5% YoY
-0.0% QoQ
|
-8.49% |
19.97%
+0.5% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.97%
+85.8% YoY
+82.2% QoQ
|
+0.42% |
0.55%
+9.0% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? |
12.50%
+2.9% YoY
+1.4% QoQ
|
-0.83% |
13.33%
-0.7% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.33%
+2.3% YoY
+35.6% QoQ
|
-0.75% |
1.09%
+2.4% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 9%
in Large
Why this stands out
Current:
1.78%
(Tier avg: 1.19%, National avg: 1.12%)
Efficiency Ratio
metric
Top 7%
in Large
Why this stands out
Current:
35.94%
(Tier avg: 55.03%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Efficiency Ratio
Current: 35.94% · Tier avg: 55.03%
91
91th pctile
Return on Assets
Current: 1.78% · Tier avg: 1.19%
90
90th pctile
Loan-to-Deposit Ratio
Current: 95.38% · Tier avg: 81.72%
86
86th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.46%
51
51th pctile
Total Loans
Current: $31.8B · Tier avg: $46.4B
45
45th pctile
Total Deposits
Current: $33.4B · Tier avg: $60.5B
43
43th pctile
Tier 1 Capital Ratio
Current: 12.50% · Tier avg: 13.33%
41
41th pctile
Total Assets
Current: $40.8B · Tier avg: $74.9B
29
29th pctile
Delinquency Rate
Current: 1.07% · Tier avg: 0.88%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 11.48% · Tier avg: 19.97%
13
13th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 1.09%
13
13th pctile
Nonperforming Asset Ratio
Current: 0.97% · Tier avg: 0.55%
Top Weaknesses
13
13th pctile
Nonperforming Asset Ratio
Current: 0.97% · Tier avg: 0.55%
13
13th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 1.09%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 11.48% · Tier avg: 19.97%
29
29th pctile
Delinquency Rate
Current: 1.07% · Tier avg: 0.88%
41
41th pctile
Total Assets
Current: $40.8B · Tier avg: $74.9B
43
43th pctile
Tier 1 Capital Ratio
Current: 12.50% · Tier avg: 13.33%
45
45th pctile
Total Deposits
Current: $33.4B · Tier avg: $60.5B
51
51th pctile
Total Loans
Current: $31.8B · Tier avg: $46.4B
86
86th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.46%
90
90th pctile
Loan-to-Deposit Ratio
Current: 95.38% · Tier avg: 81.72%
91
91th pctile
Return on Assets
Current: 1.78% · Tier avg: 1.19%
93
93th pctile
Efficiency Ratio
Current: 35.94% · Tier avg: 55.03%