Investor Presentaiton
Efficiency Ratio Among the Best in the Industry
• Most banks with a good efficiency ratio focus relentlessly on controlling costs. We take a different approach. We
achieve our excellent efficiency ratio by pursuing a business model that generates strong revenue. This allows us
to be highly efficient while also constantly improving our products and technology for our customers and
providing competitive pay and benefits for our teammates.
• As shown below, in the quarter just ended, our efficiency ratio was 32.6%.
Efficiency Ratio (%) vs. the Industry
63.2
70.0%
60.4
61.9
58.7
56.2
55.7
55.2
53.0
60.0%
50.0%
40.1
37.1
38.2
37.3
35.5
32.8
33.6
33.0
32.6
40.0%
30.0%
20.0%
10.0%
0.0%
3Q21
4Q21
1Q22
2Q22
3Q22
4Q22
1Q23
2Q23
3Q23
■ Bank OZK
FDIC Insured Institutions*:
We have consistently been among the nation's most efficient banks, having ranked in the
top decile of the industry for 21 consecutive years.
**
I
*
Data for all FDIC insured institutions from the FDIC Quarterly Banking Profile, last updated second quarter 2023.
** Data from S&P Global CaplQ.
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