Bank OZK Announces Third Quarter 2026 Earnings

Record assets, loans and deposits accompanied lower year-over-year quarterly profit and diluted earnings per share.

Rhea-AI Summary

Bank OZK (Nasdaq: OZK) reported third-quarter 2026 net income available to common stockholders of $164.3 million, down year over year. Net income fell 9.0% from $180.5 million a year earlier but rose 0.6% from $163.3 million in the second quarter. Diluted earnings per common share were $1.50, down 5.7% from $1.59 a year earlier and up 0.7% from $1.49 in the preceding quarter.

For the first nine months of 2026, net income available to common stockholders declined 7.7% to $487.0 million, while diluted EPS fell 4.5% to $4.43. Third-quarter annualized return on average assets was 1.55%, net interest margin was 4.24%, and the efficiency ratio was 39.9%. Total assets, loans and deposits reached record levels; assets totaled $43.2 billion at September 30, 2026. Management will hold a results conference call on October 21.

3 points · 0 major

NegativeiHow this balance works

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Rhea-AI gives every point it takes from this document a weight. Minor counts 1, Moderate 3 and Major 9, so one Major point outweighs several Minor ones. The bar adds up the weights on each side, and when neither side holds more than 65% of the total the balance reads Mixed.

It reads the document as published, with the same rules for every company, and it does not look at what the market expected or at how the stock traded, so a point can be objectively good on a day the stock falls.

Rhea-AI Sentiment measures something else, the tone of the wording.

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0 major · 4 points

How the balance works

Positive

• Minor pointTotal assets reached a record level, totaling $43.2 billion at September 30, 2026.
• Minor pointLoans reached a record level in the third quarter of 2026.
• Minor pointDeposits reached a record level in the third quarter of 2026.

Negative

• Moderate pointThird-quarter common-stockholder net income of $164.3 million fell 9.0% year over year but rose 0.6% sequentially.
• Moderate pointNine-month common-stockholder net income fell 7.7% to $487.0 million from $527.4 million in 2025.
• Minor pointThird-quarter diluted EPS of $1.50 fell 5.7% year over year but rose 0.7% sequentially.
• Minor pointNine-month diluted EPS fell 4.5% to $4.43 from $4.64 in 2025.

Key Figures

Q3 net income: $164.3 million; down 9.0% year over year and up 0.6% sequentially Q3 diluted EPS: $1.50; down 5.7% year over year and up 0.7% sequentially Nine-month net income: $487.0 million; down 7.7% +4 more

Q3 net income

$164.3 million; down 9.0% year over year and up 0.6% sequentially

Third quarter of 2026

Q3 diluted EPS

$1.50; down 5.7% year over year and up 0.7% sequentially

Third quarter of 2026

Nine-month net income

$487.0 million; down 7.7%

First nine months of 2026 versus first nine months of 2025

Nine-month EPS

$4.43; down 4.5%

First nine months of 2026 versus first nine months of 2025

Return on average assets

1.55%

Annualized, third quarter of 2026

Net interest margin

4.24%

Third quarter of 2026

Efficiency ratio

39.9%

Third quarter of 2026

Previous Earnings Reports

2 past events · Latest: Jul 21

Same Type 2 events

1. Jul 21

   Quarterly earnings

   24h Move

   +0.4%

   Q2 net income and EPS fell year over year but rose sequentially.

2. Oct 16

   Quarterly earnings

   24h Move

   -2.3%

   Record Q3 2025 net income and EPS provide the prior-year comparison.

24h Move is the share-price change in the day after each event; other market factors may also have contributed.

Key Terms

eps, annualized return on average assets, net interest margin, efficiency ratio

4 terms

eps financial

"Diluted earnings per common share (“EPS”) for the third quarter of 2026"

Earnings per share (EPS) measures how much profit a company makes for each outstanding share of its stock by dividing the company’s profit after expenses by the number of shares. It matters to investors because it shows how much of the company’s “pie” each share represents—higher EPS usually signals greater profitability per share, helps compare companies of different sizes, and influences stock valuations and investor decisions.

View in glossary

annualized return on average assets financial

"an annualized return on average assets of 1.55%"

A profitability ratio that expresses the annualized percentage return a company earned on its asset base during a reporting period. It is calculated by taking the period's profit measure (commonly net income) divided by the average total assets for the same period, then converting that result to an annual rate when the reporting period is shorter or longer than one year (for example by scaling a quarterly result by four or using days-in-period to annualize). The precise numerator (net income, operating income, or pre-tax income) and the method for computing average assets (simple average of opening and closing balances or a weighted average of more frequent balances) vary by practice, so comparisons require the same definitions on both sides.

net interest margin financial

"a net interest margin of 4.24%"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

efficiency ratio financial

"an efficiency ratio of 39.9%"

A measure of how much a company spends to produce each dollar of revenue, usually shown as operating expenses divided by revenue and expressed as a percentage. Think of it as a household’s budget: a lower percentage means more of each dollar earned stays as profit, while a higher number means costs are eating into returns. Investors use it to judge cost control and compare how efficiently companies turn revenue into earnings, especially in banks and financial firms.

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LITTLE ROCK, Ark., Oct. 20, 2026 (GLOBE NEWSWIRE) -- Bank OZK (the “Bank”) (Nasdaq: OZK) today announced that net income available to common stockholders for the third quarter of 2026 was $164.3 million, a decrease of 9.0% from $180.5 million for the third quarter of 2025, but an increase of 0.6% from $163.3 million for the second quarter of 2026. For the first nine months of 2026, net income available to common stockholders was $487.0 million, a 7.7% decrease from $527.4 million for the first nine months of 2025. Diluted earnings per common share (“EPS”) for the third quarter of 2026 were $1.50, a decrease of 5.7% from $1.59 for the third quarter of 2025, but an increase of 0.7% from $1.49 for the second quarter of 2026. EPS for the first nine months of 2026 were $4.43, a 4.5% decrease from $4.64 for the first nine months of 2025.

George Gleason, Chairman and Chief Executive Officer, stated, “We are pleased to report our solid financial results for the quarter including net income available to common stockholders of $164.3 million; EPS of $1.50; an annualized return on average assets of 1.55%; a net interest margin of 4.24%; an efficiency ratio of 39.9%; and record levels of total assets, loans and deposits. We continued to make significant progress on numerous strategic initiatives.  We believe we are well-positioned for the future."

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, October 21, 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 268 offices in nine states including Arkansas, Georgia, Florida, Texas, North Carolina, Tennessee, New York, California and Mississippi and had $43.2 billion in total assets as of September 30, 2026. For more information, visit ozk.com.

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

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What were Bank OZK's third-quarter 2026 earnings?

Bank OZK reported net income available to common stockholders of $164.3 million and diluted earnings per common share of $1.50. Net income decreased 9.0% and diluted EPS decreased 5.7% from the third quarter of 2025.

How did Bank OZK's third-quarter 2026 earnings compare with the second quarter?

Net income available to common stockholders increased 0.6% from $163.3 million, while diluted EPS increased 0.7% from $1.49. Third-quarter net income was $164.3 million, and diluted EPS was $1.50.