Bank OZK: how it compares with its peers
Against 67 U.S. banks with half to twice its assets, Bank OZK's strongest measure in Q2 2026 is net interest margin (4.14% vs. a 3.60% peer median). Its weakest relative measure is assets per employee ($12.7M vs. $12.4M).
| Measure | Bank OZK | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.60% | 1.25% | Top third Ahead of 82% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.14% | 3.60% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 39.52% | 52.70% | Top third Ahead of 85% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.7M | $12.4M | Middle third Ahead of 54% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.42% | 85.40% | Context |
What it means for lending operations
Its efficiency ratio of 39.52% is better than the 52.70% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- MidFirst Bank Oklahoma City, OK · $42.83B
- Deutsche Bank Trust Company Americas New York, NY · $40.53B
- Barclays Bank Delaware Wilmington, DE · $43.45B
- Prosperity Bank El Campo, TX · $43.88B
- Atlantic Union Bank Richmond City, VA · $38.02B
- Raymond James Bank Saint Petersburg, FL · $45.60B
Questions about Bank OZK
How big is Bank OZK?
Bank OZK, established in 1903, is headquartered in Little Rock, AR. It reported $41.70B in total assets in its Q2 2026 FDIC call report and operates 274 offices.
What is Bank OZK's return on assets?
1.60% annualized in Q2 2026, against a 1.25% median for 67 U.S. banks with half to twice its assets, ahead of 82% of them.
What is Bank OZK's efficiency ratio?
39.52% in Q2 2026: it spent about 40 cents in noninterest expense for each dollar of revenue. The peer median is 52.70%, and lower is better.
Is Bank OZK growing its loans?
Net loans shrank 1.2% over the year to Q2 2026, while deposits grew 1.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arkansas bank ranked.