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Sep 30, 2025
Bank OZK Q3 2025 Earnings Report
Bank OZK reported steady profitability in Q3 2025 with modest earnings growth.
Key Takeaways
Bank OZK delivered stable Q3 results, with higher net interest income and improved non-interest income supporting earnings. Loan balances dipped slightly, while credit metrics remained sound.
Net income available to common stockholders was $180.53 million.
Diluted EPS came in at $1.59, up slightly from Q2.
Revenue (net interest income + non-interest income) totaled approximately $449.94 million.
Total assets grew to over $41.6 billion, reflecting continued balance sheet expansion.
Forward Guidance
No specific forward guidance was provided in the report.
Positive Outlook
- Stable earnings despite credit provisioning.
- Strong capital position and book value growth.
- Higher non-interest income helped support top line.
- Loan loss reserves remained well capitalized.
- Efficient cost control maintained low efficiency ratio.
Challenges Ahead
- Modest decline in total loans versus prior quarter.
- Higher credit provisioning impacting net income growth.
- Increased nonperforming loans during the quarter.
- Slight compression in net interest margin from prior year.
- No mention of specific future growth initiatives or outlook.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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