Bank OZK (OZK) Company Report

OZK reported a mixed asset quality picture for Q3 2025, including three loan migrations that resulted in charge-offs and reserves, but also successfully sold its largest foreclosed asset at book value and has its next two largest under contract with expected neutral to positive gains.
The company experienced elevated RESG paydowns in Q3 2025, which are anticipated to continue through 2026 due to record originations in 2022. This is expected to result in mid-single-digit loan growth in 2026, with significantly more diversified growth projected for 2027 and beyond as the RESG payoff wave subsides.
OZK is actively expanding its CIB group, which achieved record origination growth in Q3 2025, with the strategic goal for CIB to comprise 30% to 40% of the loan book over several years, aiming for higher utilization rates and diversification.
While record net interest income and EPS are expected in 2026, year-over-year gains may be relatively small due to ongoing investments and RESG payoffs. More material EPS and net income growth is projected for 2027 and future years as investments mature and the payoff wave passes.

Oct 17, 2025, 12:30 PM

OZK Discusses RESG Payoff Wave and CIB-Led Diversified Growth Strategy

OZK

Guidance Update

New Projects/Investments

Hiring

OZK anticipates an exceptionally high level of RESG (Real Estate Specialties Group) loan payoffs in late 2025 and throughout 2026, stemming from record originations in 2022, with potential acceleration from Fed rate cuts.
The company is strategically expanding its CIB (Commercial & Industrial Banking) group to drive future loan growth, diversify the portfolio, and generate higher fee income and low-cost deposits, aiming for CIB to become a significant, almost equal, component to RESG.
Despite the RESG payoff wave, OZK projects a mid-single-digit loan growth rate for 2026, with expectations for stronger, diversified growth from 2027 onwards as CIB and other business units fully contribute.
Management emphasizes rigorous underwriting and asset quality across all loan types, including NDFI and life science, and expects the majority of sponsors to continue supporting their projects.

Oct 17, 2025, 12:30 PM

Bank OZK Announces Record Third Quarter 2025 Earnings

OZK

Earnings

Guidance Update

Bank OZK reported record net income available to common stockholders of $180.5 million and record diluted earnings per common share (EPS) of $1.59 for the third quarter of 2025, representing increases of 1.9% and 2.6% respectively, compared to the third quarter of 2024.
For the first nine months of 2025, net income available to common stockholders increased 1.0% to $527.4 million, and EPS rose 1.3% to $4.64.
Chairman and CEO George Gleason highlighted the third quarter's achievements of record net income, record EPS, record net interest income, meaningful growth in capital ratios, and solid asset quality, positioning the bank for record full-year results.
As of September 30, 2025, Bank OZK had $41.6 billion in total assets.

Oct 16, 2025, 8:05 PM

Earnings Transcripts

Quarterly earnings call transcripts for Bank OZK.

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