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Investor Presentaiton

Net Interest Margin Trends • During the quarter just ended, our net interest margin was 5.05%, decreasing 27 bps from the second quarter of 2023, but increasing two bps from the third quarter of 2022. Compared to the second quarter of 2023, our yield on average earning assets in the quarter just ended increased 19 bps to 7.76%, and our cost of interest bearing liabilities increased 55 bps to 3.59%. Compared to the third quarter of 2022, our yield on average earning assets increased 224 bps and our cost of interest bearing liabilities increased 287 bps. Net Interest Margin vs. the Industry Favorable 2.04% Variance vs Industry* 6.00% 5.54% 5.46% 5.32% 5.03% 5.05% 5.00% 4.52% 4.41% 4.16% 4.24% 4.00% 3.37% 3.31% 3.28% 3.14% 2.80% 3.00% 2.56% 2.56% 2.54% 2.00% 1.00% 0.00% 3Q21 4Q21 1Q22 Bank OZK 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 FDIC Insured Institutions* We continue to outperform the industry on net interest margin. In fact, in the second quarter of 2023, the latest quarter for which comparative data is available, our net interest margin outperformed the industry by 204 bps. * Data for all FDIC insured institutions from the FDIC Quarterly Banking Profile, last updated second quarter 2023. 29 Bank OZK
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