Also known as: Bank OZK
Bank OZK is a regional bank headquartered in Little Rock, Arkansas, publicly traded and operating across the southeastern and midwestern United States. It is particularly known for its commercial real estate lending business, which is a significant driver of its overall loan portfolio.
For individual customers, Bank OZK offers personal checking and savings accounts, home mortgages, personal loans, and deposit products. The bank has branches across Arkansas, Georgia, Florida, North Carolina, Texas, Alabama, and other states.
Bank OZK's commercial real estate lending operation has a national reach, financing large-scale development and construction projects across many US markets. This institutional lending activity is separate from its retail consumer banking and is primarily of interest to developers and commercial investors.
For businesses, Bank OZK provides commercial loans, commercial real estate financing, business deposit accounts, and treasury services. The bank is active in both small business banking and large commercial lending.
For home buyers, Bank OZK Mortgage offers conventional loan products. Personal deposits and consumer loans are available at branches.
Bank OZK's commercial real estate lending operation has developed a national reputation for financing large-scale construction and development projects. This part of the business is primarily of interest to commercial real estate developers and institutional investors rather than individual consumers. Retail customers generally interact with the bank through its southeastern branches.
Bank OZK is FDIC-insured and deposits are covered up to applicable limits. Rates, fees, and product availability vary by individual circumstances and location.
Quick info
Bank
Bank OZK
Bank OZK (publicly traded)
FDIC-insured.
2026-06-06
Want to feel clearer about your money?
Ask Fin gives you simple tools for budgeting, spotting savings, exploring income ideas and building better money habits. General guidance only — not regulated advice.
Start with Ask Fin — freeMain products and services
Commercial real estate loans; personal banking; business banking
Review scores are third-party public indicators only. They are not a recommendation or endorsement by Ask Fin and are not a measure of product suitability for your circumstances.
No review data available for this company.
Source URLs
Date checked
2026-06-06
How do I make a complaint about Bank OZK?
Start with Bank OZK's internal complaints process. If unresolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint. Depending on the type of company, your state attorney general or banking regulator may also be relevant.
Is Bank OZK regulated in the US?
Use the NMLS Consumer Access tool at nmlsconsumeraccess.org to check licensing. For banks, check the FDIC BankFind Suite. For credit unions, check the NCUA Credit Union Locator. Ask Fin includes regulatory reference numbers where publicly available.
How do I find Bank OZK's official contact details?
Always use the contact details on the company's official website. Do not use numbers or emails received in unsolicited calls or messages. Verify the website by checking the NMLS or FDIC/NCUA databases if in doubt.
What should I do if I think Bank OZK has treated me unfairly?
Document everything in writing. Contact the company's complaints team first. If not resolved, submit a complaint to the CFPB or your state attorney general. The NFCC (1-800-388-2227) can provide free guidance for debt-related issues.
Where can I get free help with a Bank OZK issue?
Contact the CFPB (consumerfinance.gov), call 211 for local resources, or contact the NFCC (nfcc.org or 1-800-388-2227) for debt and budget help. For legal issues, Legal Services Corporation (lsc.gov) provides free legal aid.
Ask Fin gives you simple money tools for budgeting, spotting savings and building better money habits. General guidance only — not regulated financial advice.
Start with Ask FinFree — no payment details needed.