Investor Presentaiton

Non-GAAP Reconciliations Calculation of Total Common Stockholders' Equity, Total Tangible Common Stockholders' Equity and the Ratio of Total Tangible Common Stockholders' Equity to Total Tangible Assets Unaudited (Dollars in Thousands) Calculation of Average Common Stockholders' Equity, Average Tangible Common Stockholders' Equity and the Annualized Returns on Average Common Stockholders' Equity and Average Tangible Common Stockholders' Equity Unaudited (Dollars in Thousands) September 30, 2023 Total stockholders' equity before noncontrolling interest $ Less preferred stock 4,903,504 (338,980) Net Income Available To Common Stockholders Average Stockholders' Equity Before Total common stockholders' equity 4,564,524 Less intangible assets: Goodwill Core deposit and other intangible assets, net of accumulated amortization Total intangibles Total tangible common stockholders' equity Total assets Less intangible assets: Goodwill Core deposit and other intangible assets, net of accumulated amortization Total intangibles Total tangible assets Ratio of total common stockholders' equity to total assets Ratio of total tangible common stockholders' equity to total tangible assets Three Months Ended * 9/30/2022 9/30/2023 Nine Months Ended * 9/30/2022 9/30/2023 $ 128,302 $ 169,746 388,688 $ $ 503,517 Noncontrolling Interest Less Average Preferred Stock (660,789) Total Average common stockholders' equity 4,635,887 4,885,620 4,680,513 4,809,053 (338,980) (338,980) (338,980) (338,980) 4,296,907 4,546,640 4,341,533 4,470,073 Less Average Intangible Assets: (660,789) Goodwill (660,789) (660,789) (660,789) (660,789) $ 3,903,735 Core deposit and other intangible assets, net of accumulated amortization (4,747) (6,124) (1,098) $ 32,767,328 Total Average Intangibles (665,536) (660,789) (666,913) (661,887) (660,789) Average Tangible Common Stockholders' Equity $ 3,631,371 $ $ 3,885,851 3,674,620 $ 3,808,186 Return On Average Common Stockholders' Equity 11.85% 14.81% 11.97% 15.06% (660,789) 32,106,539 Return On Average Tangible Common Stockholders' Equity 14.02% 17.33% 14.14% 17.68% 13.93% * Ratios for interim periods annualized based on actual days 12.16% Calculation of Pre-Tax Pre-Provision Net Revenue Unaudited (Dollars in Thousands) Three Months Ended Nine Months Ended 9/30/2022 9/30/2023 9/30/2022 9/30/2023 Net income available to common stockholders Preferred stock dividends $ 128,302 $ 4,047 169,746 $ 4,047 388,688 $ 12,574 503,517 12,141 Earnings attributable to noncontrolling interest 37 3 50 Provision for income taxes 35,969 46,144 Provision for credit losses 39,771 Pre-tax pre-provision net revenue $ 208,089 $ 44,036 264,010 $ 111,754 50,986 564,005 $ 132,564 121,638 769,910 40 Bank OZK

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