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Bank OZK

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Bank OZK Rates & Review March 2026

Q: Is Bank OZK a safe place to deposit money?

Yes, Bank OZK is considered a safe financial institution. With a Texas Ratio of 2.7773377427897%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

Q: How many branches does Bank OZK operate?

Bank OZK currently maintains approximately 268 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 15, 2026

Bank OZK's 7-Month CDs rates are at 4.00%. MonitorBankRates evaluates the financial stability of Bank OZK with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.78%. Rates were last updated on 03/15/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.78%

Excellent Lower than avg

Bank OZK

18000 Cantrell Rd
Little Rock, AR 72223

https://www.ozk.com

Bank OZK CD Rates

Product	Rate	APY	Term	View More
7-Month CDs	-	4.00%	7
Details On New 7-Month CDs Last Updated 03/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

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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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 03/03/1903

FDIC Insurance Date 01/01/1934

Domestic Offices 268

Total Branches 268

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.78%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.2888%

Return on Equity (ROE) 14.3500%

Non-Performing Loans (NPL) 0.17%

Total Assets $40,785,840,000

Total Deposits $33,384,965,000

Equity Capital $6,129,851,000

Net Income $715,480,000

Headquarters Little Rock

Total Offices 268

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Bank OZK

Is Bank OZK a safe place to deposit money?

Yes, Bank OZK is considered a safe financial institution. With a Texas Ratio of 2.7773377427897%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Bank OZK operate?

Bank OZK currently maintains approximately 268 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.