Bank OZK (OZK) Debt/Assets Ratio: History & Chart

Bank OZK(OZK)

Banks - Regional · Little Rock, AR

$45.64-0.95 (-2.04%)

Delayed quote: Oct 6, 2026, 1:15 PM EDT

About Bank OZK

Bank OZK is a financial institution offering a comprehensive range of banking services to both retail and commercial clients. Its deposit offerings encompass a wide array of account types, such as demand deposit accounts (both interest and non-interest-bearing), business sweep, savings, money market, and individual retirement accounts, alongside various time deposit options. Beyond deposits, Bank OZK extends diverse lending solutions. These include financing for real estate, consumers, and businesses, as well as specialized areas like recreational vehicles, marine vessels, commercial & industrial projects, and government-guaranteed loans. The bank also supports agriculture, small businesses, homebuilders, and affordable housing initiatives. Additional financial provisions cover business aviation and subscription-based services, as well as conventional mortgage and other loan products. Furthermore, the institution delivers trust and wealth management services. This encompasses personal wealth planning, custodial arrangements, investment management, and retirement account administration. For corporate clients, it provides essential corporate trust services, acting as a trustee, paying agent, and registered transfer agent, among other related functions. Its suite of treasury management offerings is designed to streamline business operations, featuring services like automated clearing house (ACH) transactions, wire transfers, detailed transaction reporting, wholesale lockbox processing, remote deposit capture, automated credit line transfers, account reconciliation, positive pay fraud prevention, and merchant and commercial card services. It also manages specialized accounts such as zero balance and investment sweep accounts. Customers also benefit from convenient access through ATMs, telephone, online, and mobile banking platforms. The bank issues both debit and credit cards, offers safe deposit boxes, and processes merchant debit and credit card transactions, along with other supplementary products and services. With a history dating back to its founding in 1903, Bank OZK is headquartered in Little Rock, Arkansas. It expanded its footprint to approximately 240 branches across states including Arkansas, Georgia, Florida, North Carolina, Texas, Carolina, California, New York, and Mississippi as of the end of 2021. The institution adopted its current name, Bank OZK, in July 2018, having previously been known as Bank of the Ozarks.

Little Rock, AR

3,286 employees

www.ozk.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: George G. Gleason

View full financials

OZK Debt to Assets Ratio Metrics

DEBT TO ASSETS RATIO

1.60%

DEBT TO ASSETS RATIO AVG TTM

1.91%

DEBT TO ASSETS RATIO AVG 3Y

2.13%

DEBT TO ASSETS RATIO AVG 5Y

3.27%

DEBT TO ASSETS RATIO AVG 10Y

3.09%

DEBT TO ASSETS RATIO AVG 15Y

4.36%

DEBT TO ASSETS RATIO AVG 20Y

6.92%

CURRENT VS TTM AVG

-16.32%

CURRENT VS 3Y AVG

-24.81%

CURRENT VS 5Y AVG

-50.98%

CURRENT VS 10Y AVG

-48.21%

CURRENT VS 15Y AVG

-63.28%

CURRENT VS 20Y AVG

-76.83%

SECTOR MEDIAN · FINANCIAL SERVICES

0.05%

median of 682 covered companies

CURRENT VS SECTOR MEDIAN

+3104.70%

vs the sector median at left

NAME	MARKET CAP	DEBT TO ASSETS RATIO	TTM	3Y	5Y
Bank OZK (OZK)	$4.98B	1.60%	1.91%	2.13%	3.27%
Axos Financial, Inc. (AX)vs ›	$5.07B	0.04%	N/A	N/A	N/A
Selective Insurance Group, Inc. (SIGI)vs ›	$5.07B	0.06%	N/A	N/A	N/A
Eastern Bankshares, Inc. (EBC)vs ›	$4.89B	0.01%	N/A	N/A	N/A
Hamilton Lane Incorporated (HLNE)vs ›	$4.86B	0.14%	N/A	N/A	N/A
Main Street Capital Corporation (MAIN)vs ›	$5.10B	0.43%	N/A	N/A	N/A
RLI Corp. (RLI)vs ›	$5.11B	0.05%	N/A	N/A	N/A
Figure Technology Solutions, Inc. Class A Common Stock (FIGR)vs ›	$5.11B	0.49%	N/A	N/A	N/A
JPMorgan U.S. Tech Leaders ETF (JTEK)vs ›	$4.82B	N/A	N/A	N/A	N/A
Bank OZK (OZKAP)vs ›	$5.21B	0.02%	N/A	N/A	N/A

NAME

MARKET CAP

DEBT TO ASSETS RATIO

TTM

Bank OZK (OZK)

$4.98B

1.60%

1.91%

2.13%

3.27%

Axos Financial, Inc. (AX)vs ›

$5.07B

0.04%

N/A

Selective Insurance Group, Inc. (SIGI)vs ›

$5.07B

0.06%

N/A

Eastern Bankshares, Inc. (EBC)vs ›

$4.89B

0.01%

N/A

Hamilton Lane Incorporated (HLNE)vs ›

$4.86B

0.14%

N/A

Main Street Capital Corporation (MAIN)vs ›

$5.10B

0.43%

N/A

RLI Corp. (RLI)vs ›

$5.11B

0.05%

N/A

Figure Technology Solutions, Inc. Class A Common Stock (FIGR)vs ›

$5.11B

0.49%

N/A

JPMorgan U.S. Tech Leaders ETF (JTEK)vs ›

$4.82B

N/A

Bank OZK (OZKAP)vs ›

$5.21B

0.02%

N/A

Debt to Assets Ratio FAQ

What is the debt to assets ratio for Bank OZK (OZK)?

The debt to assets ratio for OZK stock is 1.60%.

Is Bank OZK's debt to assets ratio high or low?

The debt to assets ratio of 1.60% is 51% below its 5-year average of 3.27%, near the low end of its 5-year range (1.14%–5.80%).

What is the TTM average debt to assets ratio for Bank OZK (OZK)?

The TTM average debt to assets ratio for OZK stock is 1.91%.

What is the 3Y average debt to assets ratio for Bank OZK (OZK)?

The 3Y average debt to assets ratio for OZK stock is 2.13%.

What is the 5Y average debt to assets ratio for Bank OZK (OZK)?

The 5Y average debt to assets ratio for OZK stock is 3.27%.

What is the 10Y average debt to assets ratio for Bank OZK (OZK)?

The 10Y average debt to assets ratio for OZK stock is 3.09%.

What is the 15Y average debt to assets ratio for Bank OZK (OZK)?

The 15Y average debt to assets ratio for OZK stock is 4.36%.

What is the 20Y average debt to assets ratio for Bank OZK (OZK)?

The 20Y average debt to assets ratio for OZK stock is 6.92%.

DATE	DEBT TO ASSETS RATIO
2026-06-30	1.60%
2026-03-31	1.95%
2025-12-31	1.14%
2025-09-30	1.83%
2025-06-30	3.05%
2025-03-31	1.95%
2024-12-31	2.31%
2024-09-30	1.66%
2024-06-30	2.36%
2024-03-31	1.86%
2023-12-31	3.72%
2023-09-30	5.80%
2023-06-30	5.12%
2023-03-31	5.05%
2022-12-31	3.89%
2022-09-30	3.52%
2022-06-30	3.75%
2022-03-31	4.61%
2021-12-31	4.63%
2021-09-30	4.68%
2021-06-30	4.15%
2021-03-31	4.04%
2020-12-31	4.06%
2020-09-30	4.09%
2020-06-30	4.76%
2020-03-31	5.69%
2019-12-31	3.00%
2019-09-30	2.81%
2019-06-30	2.42%
2019-03-31	1.61%
2018-12-31	2.05%
2018-09-30	1.79%
2018-06-30	2.36%
2018-03-31	2.24%
2017-12-31	2.04%
2017-09-30	2.19%
2017-06-30	2.25%
2017-03-31	2.42%
2016-12-31	2.37%
2016-09-30	2.46%
2016-06-30	3.55%
2016-03-31	1.97%
2015-12-31	3.93%
2015-09-30	3.85%
2015-06-30	4.01%
2015-03-31	4.28%
2014-12-31	4.75%
2014-09-30	7.47%
2014-06-30	6.38%
2014-03-31	7.89%
2013-12-31	8.33%
2013-09-30	8.42%
2013-06-30	11.90%
2013-03-31	9.53%
2012-12-31	9.29%
2012-09-30	9.89%
2012-06-30	11.59%
2012-03-31	10.15%
2011-12-31	10.41%
2011-09-30	10.19%
2011-06-30	9.86%
2011-03-31	11.62%
2010-12-31	11.93%
2010-09-30	13.07%
2010-06-30	13.84%
2010-03-31	15.22%
2009-12-31	16.30%
2009-09-30	16.57%
2009-06-30	15.68%
2009-03-31	15.87%
2008-12-31	16.60%
2008-09-30	17.51%
2008-06-30	3.55%
2008-03-31	19.77%
2007-12-31	16.51%
2007-09-30	15.77%
2007-06-30	8.94%
2007-03-31	7.04%
2006-12-31	11.88%
2006-09-30	13.31%
2006-06-30	18.24%
2006-03-31	14.78%
2005-12-31	18.03%
2005-09-30	18.68%
2005-06-30	15.12%
2005-03-31	15.12%
2004-12-31	12.83%
2004-09-30	15.17%
2004-06-30	14.76%
2004-03-31	11.82%
2003-12-31	16.02%
2003-09-30	9.33%
2003-06-30	11.41%
2003-03-31	11.43%
2002-12-31	14.49%
2002-09-30	12.17%

DATE

DEBT TO ASSETS RATIO

2026-06-30

1.60%

2026-03-31

1.95%

2025-12-31

1.14%

2025-09-30

1.83%

2025-06-30

3.05%

2025-03-31

1.95%

2024-12-31

2.31%

2024-09-30

1.66%

2024-06-30

2.36%

2024-03-31

1.86%

2023-12-31

3.72%

2023-09-30

5.80%

2023-06-30

5.12%

2023-03-31

5.05%

2022-12-31

3.89%

2022-09-30

3.52%

2022-06-30

3.75%

2022-03-31

4.61%

2021-12-31

4.63%

2021-09-30

4.68%

2021-06-30

4.15%

2021-03-31

4.04%

2020-12-31

4.06%

2020-09-30

4.09%

2020-06-30

4.76%

2020-03-31

5.69%

2019-12-31

3.00%

2019-09-30

2.81%

2019-06-30

2.42%

2019-03-31

1.61%

2018-12-31

2.05%

2018-09-30

1.79%

2018-06-30

2.36%

2018-03-31

2.24%

2017-12-31

2.04%

2017-09-30

2.19%

2017-06-30

2.25%

2017-03-31

2.42%

2016-12-31

2.37%

2016-09-30

2.46%

2016-06-30

3.55%

2016-03-31

1.97%

2015-12-31

3.93%

2015-09-30

3.85%

2015-06-30

4.01%

2015-03-31

4.28%

2014-12-31

4.75%

2014-09-30

7.47%

2014-06-30

6.38%

2014-03-31

7.89%

2013-12-31

8.33%

2013-09-30

8.42%

2013-06-30

11.90%

2013-03-31

9.53%

2012-12-31

9.29%

2012-09-30

9.89%

2012-06-30

11.59%

2012-03-31

10.15%

2011-12-31

10.41%

2011-09-30

10.19%

2011-06-30

9.86%

2011-03-31

11.62%

2010-12-31

11.93%

2010-09-30

13.07%

2010-06-30

13.84%

2010-03-31

15.22%

2009-12-31

16.30%

2009-09-30

16.57%

2009-06-30

15.68%

2009-03-31

15.87%

2008-12-31

16.60%

2008-09-30

17.51%

2008-06-30

3.55%

2008-03-31

19.77%

2007-12-31

16.51%

2007-09-30

15.77%

2007-06-30

8.94%

2007-03-31

7.04%

2006-12-31

11.88%

2006-09-30

13.31%

2006-06-30

18.24%

2006-03-31

14.78%

2005-12-31

18.03%

2005-09-30

18.68%

2005-06-30

15.12%

2005-03-31

15.12%

2004-12-31

12.83%

2004-09-30

15.17%

2004-06-30

14.76%

2004-03-31

11.82%

2003-12-31

16.02%

2003-09-30

9.33%

2003-06-30

11.41%

2003-03-31

11.43%

2002-12-31

14.49%

2002-09-30

12.17%

Debt to Assets Ratio: 1.60%

OZK Debt to Assets Ratio

OZK Average Debt to Assets Ratio Chart

OZK Current vs Average Debt to Assets Ratio Chart

OZK Debt to Assets Ratio Metrics

OZK Competitors' Debt to Assets Ratio

Leverage Ratios Comparison

Debt to Assets Ratio Formula & Definition

Debt to Assets Ratio FAQ

OZK Debt to Assets Ratio History

Related Metrics