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.