Brian Martin

Manan Gosalia

Stephen Scouten

Catherine Mealor

Matt Olney

Michael Rose

Timur Braziler

Nicholas Holowko

Samuel Varga

Benjamin Gerlinger

Jordan Gant

Tim Mitchell

- 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.  **[0001569650_2190087_1]** 
- The company experienced **elevated RESG paydowns** in Q3 2025, which are anticipated to continue through **2026** due to record originations in 2022.  **[0001569650_2190087_3]** **[0001569650_2190087_4]** **[0001569650_2190087_5]**  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.  **[0001569650_2190087_4]** **[0001569650_2190087_5]** 
- 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.  **[0001569650_2190087_5]** **[0001569650_2190087_6]** **[0001569650_2190087_7]** **[0001569650_2190087_10]** 
- 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.  **[0001569650_2190087_11]**

OZK Discusses Q3 2025 Asset Quality, Loan Growth Outlook, and CIB Expansion

- 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.  **[0001569650_2190066_4]** **[0001569650_2190066_13]** 
- 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.  **[0001569650_2190066_4]** **[0001569650_2190066_12]** **[0001569650_2190066_13]** 
- 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.  **[0001569650_2190066_4]** 
- 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.  **[0001569650_2190066_9]** **[0001569650_2190066_13]** **[0001569650_2190066_14]**

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

- 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.  **[1569650_11ecbe03deeb4da289f143bfb744c8a5_0]** 
- 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**.  **[1569650_11ecbe03deeb4da289f143bfb744c8a5_0]** 
- 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**.  **[1569650_11ecbe03deeb4da289f143bfb744c8a5_0]** 
- As of September 30, 2025, Bank OZK had **$41.6 billion in total assets**.  **[1569650_11ecbe03deeb4da289f143bfb744c8a5_0]**

Bank OZK Announces Record Third Quarter 2025 Earnings

Bank OZK (OZK)