Investor Presentaiton

Strong Loan Portfolio Growth Combined with Excellent Yields and Favorable Asset Quality Loans Are Our Largest Category of Earning Assets Non-Purchased Loans* Total Loans* ($ millions) ($ millions) Our period-end balance of total loans at September 30, 2023 was a record $25.33 billion, having increased $5.82 billion, or 29.8%, from September 30, 2022 and $1.72 billion, or 7.3% not annualized, from June 30, 2023. During the first nine months of this year, our total loans grew $4.55 billion, or 21.9% not annualized, and we expect continued growth in total loans in the fourth quarter of 2023. * Period End Totals Purchased Loans* ($ millions) $30,000 12.00% $25,332 $23,607 $25,000 $22,062 10.00% $20,779 $18,305 $18,308 $18,931 $19,514 $18,743 $20,000 8.00% 8.44% 8.58% 8.06% $15,000 6.00% 7.38% 6.32% $10,000 $5,000 5.89% 5.45% 5.40% 5.60% 4.00% 2.00% 0.00% 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 Period-End Total Loans 1Q23 Total Loan Yield 2Q23 3Q23 $30,000 12.00% $25,051 $23,292 $25,000 $20,400 $21,701 10.00% $20,000 $17,707 $17,792 $18,450 $18,298 $19,104 8.00% $15,000 8.07% 8.47% 8.59% 6.00% 7.38% 6.32% $10,000 $5,000 5.83% 5.39% 5.37% 5.55% 4.00% 2.00% 0.00% 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 Period-End Non-purchased Loans 1Q23 Non-purchased Loan Yield 2Q23 3Q23 $1,000 15.00% $750 13.00% $598 $516 $481 11.00% $500 $445 $410 $379 8.04% $361 7.75% $316 9.00% 7.18% $281 7.23% $250 6.63% 7.97% 7.00% 7.13% $- 3Q21 4Q21 1Q22 3Q22 Period-End Purchased Loans 6.61% 2Q22 6.16% 5.00% 4Q22 1Q23 2Q23 3Q23 Purchased Loan Yield 60 <> Bank OZK Purchased Loan Yield Non-Purchased Loan Yield Total Loan Yield

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