Bank OZK Announces Second Quarter 2026 Earnings
Rhea-AI Summary
Bank OZK (Nasdaq: OZK) reported second quarter 2026 net income available to common stockholders of $163.3 million, down 8.7% from $178.9 million a year earlier but up 2.5% from $159.3 million in the first quarter of 2026. Diluted EPS was $1.49, a 5.7% decline year-over-year and a 3.5% increase sequentially. For the first six months of 2026, net income was $322.6 million, down 7.0% from $346.8 million, with EPS of $2.93, a 3.9% decrease from $3.05.
According to Bank OZK, key second-quarter performance metrics included a 1.60% return on assets, 4.24% net interest margin and 39.2% efficiency ratio, along with increases in book value and tangible book value per common share and higher capital ratios. The bank reported continued progress on strategic loan portfolio diversification. As of June 30, 2026, Bank OZK had $41.7 billion in total assets and operated 267 offices across nine states.
Positive
- Q2 2026 net income $163.3 million, up 2.5% sequentially
- Q2 2026 EPS $1.49, up 3.5% from Q1 2026
- Return on assets 1.60% for Q2 2026
- Net interest margin 4.24% for Q2 2026
- Efficiency ratio 39.2% for Q2 2026
- Increases in book value and tangible book value per common share
- Capital ratios increased during the quarter
- Loan portfolio diversification described as making significant progress
Negative
- Q2 2026 net income down 8.7% year-over-year
- First-half 2026 net income down 7.0% year-over-year
- Q2 2026 EPS $1.49, down 5.7% year-over-year
- First-half 2026 EPS $2.93, down 3.9% year-over-year
Key Figures
Previous Earnings Reports
| Date | Event | Sentiment | 24h Move | Catalyst |
|---|---|---|---|---|
| Apr 21 | Q1 2026 earnings | Negative | -2.8% | Year-over-year net income and EPS declines accompanied first-quarter results. |
| Jan 20 | Q4 2025 earnings | Neutral | +0.1% | Quarterly declines contrasted with record full-year EPS and loan growth. |
| Oct 16 | Q3 2025 earnings | Positive | -2.3% | Record quarterly net income and EPS were followed by a negative reaction. |
| Jul 17 | Q2 2025 earnings | Positive | +0.1% | Record second-quarter net income and diluted EPS accompanied the release. |
| Apr 16 | Q1 2025 earnings | Negative | +5.8% | Year-over-year net income and diluted EPS declined in the first quarter. |
24h Move is the share-price change in the day after each event; other market factors may also have contributed.
OZK's tag-specific earnings reactions were mixed, with three divergent outcomes and two aligned outcomes across the five available events.
Key Terms
return on assets financial
net interest margin financial
efficiency ratio financial
AI-generated analysis. How Rhea-AI works. Not financial advice.
LITTLE ROCK, Ark., July 21, 2026 (GLOBE NEWSWIRE) -- Bank OZK (the “Bank”) (Nasdaq: OZK) today announced that net income available to common stockholders for the second quarter of 2026 was
George Gleason, Chairman and Chief Executive Officer, stated, “We are pleased to report our solid financial results for the quarter including EPS of
MANAGEMENT COMMENTS, FINANCIAL SUPPLEMENT AND CONFERENCE CALL
In connection with this release, the Bank released its management comments on its quarterly results and a financial supplement, which are available at the Bank's investor relations website.
Management will conduct a conference call to take questions at 7:30 a.m. CT (8:30 a.m. ET) on Wednesday, July 22, 2026. Interested parties may access the conference call live via webcast on the Bank’s investor relations website, or may participate via telephone by registering using this online form. Upon registration, all telephone participants will receive the dial-in number along with a unique PIN number that can be used to access the call. A replay of the conference call webcast will be archived on the Bank’s website for at least 30 days.
GENERAL INFORMATION
Bank OZK (Nasdaq: OZK) is a regional bank providing innovative financial solutions delivered by expert bankers with a relentless pursuit of excellence. Established in 1903, Bank OZK conducts banking operations in 267 offices in nine states including Arkansas, Georgia, Florida, Texas, North Carolina, Tennessee, New York, California and Mississippi and had
The Bank files annual, quarterly and current reports, proxy materials, and other information required by the Securities Exchange Act of 1934 with the Federal Deposit Insurance Corporation (“FDIC”), copies of which are available electronically at the FDIC’s website and are also available on the Bank’s investor relations website at ir.ozk.com. Use this online form to receive automated email notifications for these materials.
FORWARD-LOOKING STATEMENTS
This press release and other communications by the Bank and its management may include certain statements that constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact that they do not relate strictly to historical or current facts. Forward-looking statements often use words such as “anticipates,” “targets,” “expects,” “hopes,” “estimates,” “intends,” “plans,” “goals,” “believes,” " feels," “continue” and other similar expressions or future or conditional verbs such as “will,” “may,” “might,” “should,” “would” and “could.” Forward-looking statements represent the Bank’s current expectations, plans or forecasts of its future results, revenues, liquidity, net interest income, provision for credit losses, expenses, efficiency ratio, capital measures, strategy, deposits, assets, and future business and economic conditions more generally, and other future matters. These statements are not guarantees of future results or performance and involve certain known and unknown risks, uncertainties and assumptions that are difficult to predict and are often beyond the Bank’s control. Actual outcomes and results may differ materially from those expressed in, or implied by, any of these forward-looking statements.
| Investor Contact: | Jay Staley (501) 906-7842 | |
| Media Contact: | Michelle Rossow (501) 906-3922 | |
