Company Profile
- Bank OZK (NASDAQ: OZK) (“the bank”) is a regional bank headquartered in Little Rock, Arkansas with over 240 retail branch offices largely spread across six southern states. The bank (est. 1903) was purchased in 1979 by current Chairman and CEO, George Gleason, who still holds considerable shareholder controlling interest, with ~5% of common shares at YE24.
- The bank’s operating strategy is primarily centered around its various lending segments with funding provided via its large retail banking operation. OZK’s largest lending segment is its Real Estate Specialties Group (“RESG”) which offers financing for large acquisition, development and construction projects across the United States. RESG comprised 58% of total loans outstanding at 3Q25 and ~66% of the bank’s $18 billion in unfunded loan commitments.
- OZK’s other lending segments include its indirect RV and marine lending, which totaled approximately $4.2 billion at 3Q25 as well as its Corporate…