Investor Presentaiton
Community Bank Lending - An Important & Well-Established Business
Community Banking Business Model
• Our Community Banking loans, which accounted for 20% of the funded balance of non-purchased loans as of
September 30, 2023, include consumer and small business loans, loans originated by our commercial
(generalist) lenders, and loans originated by our specialty lending teams in Community Banking, which include
our government guaranteed, agricultural (including poultry), business aviation, affordable housing, middle
market CRE, home builder finance and equipment finance/capital solutions lending teams.
• Growth in these units is an important part of our broader strategy for portfolio diversification, both in terms of
product types and geography.
($ Millions)
Community Banking's Non-purchased Loans
$6,000
$5,015
$5,029
$4,631
$4,748
$4,792
$4,796
$4,391
$5,000
$4,179
$4,181
$4,000
$3,000
$2,000
$1,000
$-
3Q21
4Q21
1Q22
2Q22
3Q22
4Q22
Period End Non-purchased Community Banking Loans
17
1Q23
2Q23
3Q23
Bank OZKView entire presentation