Bank OZK (OZK) Investor presentation summary

Financial performance highlights

• Achieved record net income of $180.5 million and record diluted EPS of $1.59 in Q3 2025.

• Net interest income reached a record $413.9 million in Q3 2025, up 6.3% year-over-year.

• Deposits hit a record $33.98 billion, marking the twelfth consecutive quarterly record.

• Efficiency ratio was 35.1%, among the best in the industry.

• Book value per share rose to $51.09, with tangible book value per share at $45.23.

Loan portfolio and diversification

• Total loans were $32.85 billion at September 30, 2025, with CIB and Indirect RV & Marine showing strong growth.

• RESG loans accounted for 57.7% of the portfolio, down from previous highs, as repayments remain elevated.

• CIB and Indirect RV & Marine portfolios are expected to drive further diversification and growth.

• RESG maintains low leverage with a weighted average LTC of 50% and LTV of 46%.

• Portfolio diversification by product type and geography remains a strategic focus.

Asset quality and risk management

• Annualized net charge-off ratio was 0.41% for Q3 and 0.26% for the first nine months of 2025, well below industry averages.

• Allowance for credit losses (ACL) increased to $679.6 million, or 1.34% of loans and unfunded commitments.

• Nonperforming loans to total loans ratio was 0.46% at September 30, 2025.

• RESG loans are structured to incentivize sponsor support, with $1.2 billion in additional equity contributions over 13 quarters.

• Risk ratings and asset quality metrics remain stable despite macroeconomic challenges.