Bank OZK Announces Fourth Quarter and Full Year 2025 Earnings
Rhea-AI Summary
Bank OZK (Nasdaq: OZK) reported fourth-quarter 2025 net income available to common stockholders of $171.9 million (down 3.5% year-over-year) and full-year 2025 net income of $699.3 million (down 0.1% year-over-year). Diluted EPS were $1.53 for Q4 2025 (down 1.9% YoY) and a record $6.18 for full-year 2025 (up 0.7% YoY). Management cited $2.35 billion (7.8%) loan growth, $2.34 billion (7.5%) deposit growth, and record annual net interest income of $1.59 billion. Total assets were $40.8 billion as of December 31, 2025. A conference call is scheduled for January 21, 2026 at 7:30 a.m. CT.
Positive
- Full-year EPS $6.18 — new company record
- Record annual net interest income $1.59 billion
- Loan growth of $2.35 billion (7.8%) in 2025
- Deposit growth of $2.34 billion (7.5%) in 2025
- Total assets of $40.8 billion as of 12/31/2025
Negative
- Q4 2025 net income declined 3.5% YoY to $171.9 million
- Full-year 2025 net income decreased 0.1% YoY to $699.3 million
- Q4 2025 diluted EPS fell 1.9% YoY to $1.53
News Market Reaction – OZKAP
In the Jan 21 session, OZKAP gained 0.71%, reflecting a mild positive market reaction.
Data tracked by StockTitan Argus on the day of publication.
AI-generated analysis. How Rhea-AI works. Not financial advice.
LITTLE ROCK, Ark., Jan. 20, 2026 (GLOBE NEWSWIRE) -- Bank OZK (the “Bank”) (Nasdaq: OZK) today announced that net income available to common stockholders for the fourth quarter of 2025 was
George Gleason, Chairman and Chief Executive Officer, stated, "Our 2025 net income available to common stockholders of
MANAGEMENT COMMENTS, FINANCIAL SUPPLEMENT AND CONFERENCE CALL
In connection with this release, the Bank released its management comments on its quarterly and full year 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, January 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 265 offices in nine states including Arkansas, Georgia, Florida, North Carolina, Texas, 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 | |
