Investor Presentaiton
Asset Quality Consistently Better than the Industry Average
Net Charge-Off Ratio (%)
(All data annualized where appropriate)
2.52 2.55
1.75
1.55
Net Charge-off Ratios: 3Q23
9M23
• Non-purchased loans:
0.17%
0.12%
• Purchased loans:
-1.64% 2.01%
• Total loans:
0.15% 0.15%
1.10
9M2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
- FDIC Insured Institutions
*
0.97
0.83
0.78
0.59
0.73
0.69
0.57 0.59
0.59
0.53
0.56
0.49
0.49
0.39
0.45
0.49 0.46
0.44 0.47 0.50 0.48 0.52 0.50
0.45
0.33
0.26
0.17
0.36 0.24 0.22 0.20
0.25 0.27
0.24
0.26
0.10 0.11 0.12
0.16 0.17
0.07 0.07 0.34 0.11 0.16
0.15
0.06 0.04
1.29
2011
2010
2009
<> Bank OZK
Since going public in 1997, our average annual net charge-off ratio has outperformed the industry in EVERY year, and
it has been approximately 35% of the industry's ratio. More recently, over the last ten years our average annual net
charge-off ratio has been approximately 14 bps, or approximately 31% of the industry's ratio.
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
Bank OZK
19
* Data for all FDIC insured institutions from the FDIC Quarterly Banking Profile, last updated second quarter 2023.
Annualized when appropriate.View entire presentation