What are the current interest rates at Bank OZK?

Current rates for Bank OZK include: 12-Month CD: 4.20%

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Bank OZK Rates & Review September 2026

Item: Bank OZK
Rating: 2
Author: Susan Bush

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

Bank OZK's 11-Months 11-Month CD rates are at 4.20%. MonitorBankRates evaluates the financial stability of Bank OZK with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.37%. Rates last updated and verified on 09/18/2026.

Bank OZK money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bank OZK? Share your experience about Bank OZK by leaving a review below, or read customer reviews before you decide to use Bank OZK.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.37%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Bank OZK

18000 Cantrell Rd
Little Rock, AR 72223

https://www.ozk.com

Bank OZK CD Rates

Product	Rate	APY	Term	View More
11-Month CD	-	4.20%	11 months
Details Lock in up to 4.20% Annual Percentage Yield On New 11-Month CDs Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.37%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Bank OZK’s Texas Ratio rose from 2.78% in Q3 2023 to 9.37% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$41.7B	9.37%	5.0	A
March 31, 2026	$41.7B	7.25%	5.0	A
December 31, 2025	$40.8B	6.46%	5.0	A
September 30, 2025	$41.6B	3.64%	5.0	A+
June 30, 2025	$41.5B	3.66%	5.0	A+
March 31, 2025	$39.2B	3.64%	5.0	A+
December 31, 2024	$38.3B	3.50%	5.0	A+
September 30, 2024	$37.4B	4.52%	5.0	A+
June 30, 2024	$36.8B	2.87%	5.0	A+
March 31, 2024	$36.0B	2.31%	5.0	A+
December 31, 2023	$34.2B	2.48%	5.0	A+
September 30, 2023	$32.8B	2.78%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bank OZK is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bank OZK rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bank OZK's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bank OZK

FDIC Certificate # 110

Address 18000 Cantrell Rd, Little Rock, AR 72223 · Pulaski

Website https://www.ozk.com

Established 19030303

FDIC Insurance Date 19340101

Domestic Offices 272

Total Branches 272

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

9.37%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5984%

Return on Equity (ROE) 10.6900%

Non-Performing Loans (NPL) 0.72%

Total Assets $41,703,134,000

Total Deposits $33,996,752,000

Equity Capital $6,278,068,000

Net Income $330,735,000

Headquarters Little Rock

Total Branches and Offices 272

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Bank OZK earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

John Butler

★★★★★

July 15, 2026

Excellent Service, best CD rates around. They have handled multiple different types of accounts and online transferring between the different accounts is very simple. We have done banking for many years and have no desire or reason to change. Their security protocols seem to protect our funds, as we have never had any issues regarding the safety of our funds. Keep up the great work with your well deserved A+ bank rating. Thanks, J.B.

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Susan Bush

★★☆☆☆

June 10, 2026

Love the service and friendly staff of our branch in Buchanan, Ga. They\'re always very courteous and helpful.

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Want to discuss Bank OZK with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

Average Rating

★★★☆☆

Total Reviews

Add Your Rating and Review for Bank OZK

Frequently Asked Questions About Bank OZK

How many branches does Bank OZK operate?

Bank OZK currently maintains approximately 272 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Bank OZK does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank OZK provides members with tools to manage their accounts and build a solid financial history.

Does Bank OZK offer online and mobile banking?

Most modern institutions like Bank OZK provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ozk.com.