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Investor Presentaiton

% of Total Commitment The RESG Portfolio Includes Loans of Many Different Sizes RESG Portfolio Stratification by Total Commitment - As of September 30, 2023 ($ millions) Commitment Distribution by Size No. of Total Funded $20,000 100% Tranche Loans Funded & Unfunded ■Funded ($ millions) $0 - $125mm 263 $ 8,169 $ 15,037 ▲ LTV Ratio* (%) Unfunded ($ millions) LTC Ratio* (%) 90% $125+ mm - $250mm 52 3,372 8,855 $250+ mm- - $375mm 13 1,219 3,924 80% $375+ mm - $500mm 6 1,866 2,494 $15,000 $500+ mm Total 3 1,143 2,330 70% 337 $ 15,769 $ 32,640 12% 8% 27% 7% 56% 60% 54% 52% 50% 50% $10,000 50% 46% $5,000 40% 45% 43% 43% 43% 42% 30% 20% 10% 0% $0 - $125mm $125+ mm - $250mm $250+ mm - $375mm $375+ mm - $500mm $500+ mm * Assumes all loans are fully funded; calculation based on total commitment by tranche as a % of total cost and total appraised value of loans within each tranche. LTV data based on most recent appraisals and utilizing, in most cases, "as stabilized" values for income producing properties. Bank OZK 16
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