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Dec 31, 2025
Bank OZK Q4 2025 Earnings Report
Bank OZK reported stable results with slight declines in EPS and net income compared to the prior year quarter.
Key Takeaways
Bank OZK maintained solid profitability in Q4 2025 with strong net interest income, though credit loss provisions and non-interest expenses increased. EPS slightly decreased year-over-year.
Net income declined slightly to $175.9M despite higher interest income.
Diluted EPS decreased to $1.53 from $1.56 in Q4 2024.
Provision for credit losses rose to $50.6M in the quarter.
Nonperforming assets increased significantly, reaching 0.99% of total assets.
Forward Guidance
No formal forward guidance was provided in the financial supplement.
Positive Outlook
- Strong net interest income driven by loan performance.
- Book value per share increased to $52.46.
- Tangible book value per share rose to $46.48.
- Capital position remained robust with equity over $6.1B.
- Deposit growth continued, reaching over $33.3B.
Challenges Ahead
- EPS declined both sequentially and year-over-year.
- Nonperforming loans increased to over $341M.
- Net charge-offs surged to $98.3M in Q4.
- Efficiency ratio worsened to 36.36%.
- Return on assets and equity declined from the prior year.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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