Logotype for Bank OZK

Bank OZK (OZK) investor relations material

Bank OZK Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Logotype for Bank OZK
Q3 2025 earnings summary17 Oct, 2025

Executive summary

  • Asset quality was stable, with three loan migrations and charge-offs already identified, and strong sponsor support through 41 loan extensions or modifications, $70M in additional reserve deposits, $13.5M in fees, and $80M in unscheduled paydowns.

  • Largest foreclosed asset, Lincoln Yards Land in Chicago, was sold at book value, and two other major OREO assets are under contract with expected neutral to positive outcomes.

  • Achieved record net income of $180.5 million for Q3 2025, up 1.9% year-over-year, and record diluted EPS of $1.59, up 2.6% from Q3 2024.

  • Management highlighted record net interest income, growth in capital ratios, and solid asset quality.

  • Combined special mention, substandard, and foreclosed assets declined modestly, reflecting stable asset quality.

Outlook and guidance

  • Expectation for mid-single-digit loan growth in 2026, with more meaningful growth in 2027 as the payoff wave subsides and all growth engines contribute.

  • Net income and EPS growth in 2026 expected to be positive but modest, with more material growth anticipated in 2027.

  • Margin expected to compress for a couple of quarters after Fed cuts, then stabilize as deposit costs catch up and loan floors provide support.

  • Management expects strong results for the full year, building on record performance in the first nine months.

  • Forward-looking statements caution that actual results may differ due to risks and uncertainties.

Segment performance

  • CIB (Corporate & Institutional Banking) saw record origination growth, with nearly two dozen new relationships and increased fee income from capital markets activities.

  • CIB is actively rebalancing its portfolio to improve utilization and shed legacy low-fee relationships.

  • RESG (Real Estate Specialties Group) experienced elevated paydowns, reflecting increased liquidity and refinancing options in CRE markets.

  • Indirect marine and RV business and commercial banking are expected to continue steady growth.

  • CIB's strategic realignment and expansion into new business lines, with a focus on high utilization and fee income.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Bank OZK earnings date

Logotype for Bank OZK
Q4 202516 Jan, 2026
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Bank OZK earnings date

Logotype for Bank OZK
Q4 202516 Jan, 2026

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

Frequently asked questions

Bank OZK provides various retail and commercial banking services. It accepts various deposit products, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement accounts (IRA) and certificates of deposits (CD). Bank OZK is based in Little Rock, Arkansas.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage