Investor Presentaiton
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Bank OZK (Nasdaq: OZK) – At a Glance
Bank OZK is a high-performing regional bank with deep expertise in specialized lending businesses nationwide. It operates
through 229 retail branches in Arkansas, Georgia, Florida, North Carolina and Texas and 12 loan production offices.
Recent Financial Highlights*
Total Assets
$32.8 billion
☐
Total Loans
$25.3 billion
☐
Total Deposits
$25.6 billion
"
Total Common Stockholders' Equity
$4.56 billion
CALIFORNIA
3
"
9M23 Net Interest Margin
5.29%
■
9M23 Efficiency Ratio
33.1%
9M23 Net Charge-off Ratio*
**
0.15%
9M23 Return on Average Assets*
**
2.26%
9M23 Return on Average TCE***
17.7%
☐
TCE / TA Ratio+
12.2%
22
TEXAS
74
ARKANSAS
71
MISSISSIPPI
GEORGIA
NEW YORK
NORTH CAROLINA
43
FLORIDA
26
* As of September 30, 2023
**
Annualized
+ The calculation of the Bank's tangible common stockholders' equity ("TCE") and the reconciliation to GAAP
are included in the schedule at the end of this presentation.
<> Bank OZK
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