Bank OZK Announces Record Third Quarter 2025 Earnings

Rhea-AI Summary

Bank OZK (Nasdaq: OZK) reported record third-quarter 2025 results: net income available to common stockholders $180.5 million (up 1.9% YoY) and record diluted EPS $1.59 (up 2.6% YoY). For the first nine months of 2025, net income available to common stockholders was $527.4 million (up 1.0% YoY) and EPS was $4.64 (up 1.3% YoY).

Management cited record net interest income, growth in capital ratios, and solid asset quality. The Bank reported $41.6 billion in total assets as of September 30, 2025. Management comments, a financial supplement, and a conference call are available to investors.

Positive

• Net income $180.5M in Q3 2025 (+1.9% YoY)
• Record diluted EPS $1.59 in Q3 2025 (+2.6% YoY)
• YTD net income $527.4M for first nine months 2025 (+1.0% YoY)
• Total assets $41.6B as of Sept 30, 2025
• Management cited record net interest income and stronger capital ratios

Negative

• None.

Insights

Banking Financial Analyst

Bank OZK posted record Q3 2025 net income and EPS with modest year-over-year growth and stronger capital and asset metrics.

The Bank reported record third-quarter net income available to common stockholders of $180.5 million, up 1.9% year-over-year, and record diluted EPS of $1.59, up 2.6%. For the first nine months, net income was $527.4 million (up 1.0%) and EPS was $4.64 (up 1.3%). The Bank also reported $41.6 billion in total assets as of September 30, 2025.

These figures show clear, measurable improvement in profitability and per‑share earnings versus the prior year period, and management explicitly cites record net interest income, capital ratio growth, and stable asset quality as supporting evidence. Key dependencies include continued net interest income performance and asset quality remaining solid; the release provides no forward guidance beyond general statements and highlights a management conference call on October 17, 2025 for additional detail. Watch the conference call and the financial supplement for detail on loan performance, provision for credit losses, and capital measures over the coming 30–90 days to confirm whether quarter-to-quarter trends are sustainable.

LITTLE ROCK, Ark., Oct. 16, 2025 (GLOBE NEWSWIRE) -- Bank OZK (the “Bank”) (Nasdaq: OZK) today announced that net income available to common stockholders for the third quarter of 2025 was a record $180.5 million, a 1.9% increase from $177.1 million for the third quarter of 2024. For the first nine months of 2025, net income available to common stockholders was $527.4 million, a 1.0% increase from $522.1 million for the first nine months of 2024. Diluted earnings per common share ("EPS") for the third quarter of 2025 were a record $1.59, a 2.6% increase from $1.55 for the third quarter of 2024. EPS for the first nine months of 2025 were $4.64, a 1.3% increase from $4.58 for the first nine months of 2024.

George Gleason, Chairman and Chief Executive Officer, stated, “During the third quarter we achieved record net income, record EPS, record net interest income, meaningful growth in capital ratios and solid asset quality. Our strong results for the first nine months of the year put us in a great position to achieve record results for the full year.”

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 Friday, October 17, 2025. 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 over 260 offices in nine states including Arkansas, Georgia, Florida, North Carolina, Texas, Tennessee, New York, California and Mississippi and had $41.6 billion in total assets as of September 30, 2025. 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,” “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

What did Bank OZK (OZK) report for Q3 2025 net income?

Bank OZK reported $180.5 million in net income available to common stockholders for Q3 2025, a 1.9% increase year-over-year.

What was Bank OZK's diluted EPS (OZK) for Q3 2025 and how did it change?

Diluted EPS was $1.59 for Q3 2025, up 2.6% from Q3 2024.

When is Bank OZK's conference call for Q3 2025 results?

The conference call is scheduled for October 17, 2025 at 7:30 a.m. CT (8:30 a.m. ET) with a live webcast on the investor relations website.

How large were Bank OZK's total assets at September 30, 2025?

Total assets were reported at $41.6 billion as of September 30, 2025.

Where can investors find Bank OZK's Q3 2025 financial supplement and management comments?

The financial supplement and management comments are available on Bank OZK's investor relations website.