Investor Presentaiton

Our Favorable Ratios of Nonperforming Loans, Nonperforming Assets and Loans Past Due Provide Meaningful Data Points on our Asset Quality Asset Quality Overview OZK NPLs ($) OZK NPLs / Non-purchased Loans (%) Our ratios for nonperforming non- purchased loans ("NPLs"), nonperforming assets, excluding purchased loans ("NPAs") and non- purchased loans past due 30+ days, including nonaccrual non- purchased loans ("Loans Past Due") continued our longstanding track record of performing well relative to industry averages, and we expect that favorable performance to continue. NPLs were $63 million, or 0.25% of total non-purchased loans, at 9/30/2023. NPAs, which include NPLs and foreclosed assets, were $131 million, or 0.40% of total assets, at 9/30/2023. Loans Past Due, including past due nonaccrual non-purchased loans, were $53 million, or 0.21% of total non-purchased loans, at 9/30/2023. Loans Past Due ($ millions) NPAS ($ millions) $100 $80 $60 $40 $20 $- NPLs ($ millions) $150 $125 $100 $75 $50 $25 $- 2Q09 $100 $80 $60 $40 $20 $- 6007 4Q09 3Q11 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 ντον 1Q15 2Q15 3Q15 4Q15 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 στον 1Q20 FDIC Industry Data (%)* 6.0% 5.0% 4.0% 3.0% 2.0% 1.0% 2Q20 3Q20 4Q20 IZOL 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 0.0% *Note: Data for all FDIC insured institutions from the FDIC Quarterly Banking Profile, last updated second quarter 2023. Percent of Loans Noncurrent is the percentage of loans that are past due 90 days or more or that are in nonaccrual status. OZK NPAs ($) OZK NPAS/Total Assets (%) FDIC Industry Data (%) ** 4.0% 6008 4Q09 1Q10 2Q10 BQ10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 STOL OZK Loans Past Due ($) 2Q13 BQ13 4Q13 1Q14 2Q14 3014 4Q14 1Q15 2Q15 3Q15 4Q15 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 BQ18 4Q18 1Q19 2Q19 ** Note: Data for all FDIC insured institutions from the FDIC Quarterly Banking Profile, last updated second quarter 2023. Noncurrent assets plus other real estate owned to assets (%). στο ε 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 BQ21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 OZK Loans Past Due % FDIC Industry Data (%) *** 2Q09 3Q09 4Q09 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 BQ11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15 4Q15 1Q16 2Q16 BQ16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 20 4Q18 *** Note: Data for all FDIC insured institutions from the FDIC Quarterly Banking Profile, last updated second quarter 2023. Percent of Loans Noncurrent + Percent of Loans 30-89 Days Past Due. Bank OZK 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q23 2Q23 3Q23 8.0% 6.0% 4.0% 2.0% 0.0% 3.0% - 2.0% 1.0% 0.0%

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