Bank OZK reported net income available to common stockholders of $171.9 million for the fourth quarter of 2025, down 3.5% from $178.1 million in the year-ago period. Diluted EPS of $1.53 fell 1.9% from $1.56 a year earlier. For the full year, net income was $699.3 million, essentially flat versus $700.3 million in 2024, while record diluted EPS of $6.18 rose 0.7% from $6.14. Management attributed the slight decline in quarterly results to elevated credit-loss provisions and higher operating expenses that offset solid revenue growth.

During 2025, the bank’s loan portfolio expanded by $2.35 billion, or 7.8%, and deposits increased by $2.34 billion, or 7.5%. These funding and lending gains helped generate a record annual net interest income of $1.59 billion. Over the past three years, total assets have grown cumulatively by 47%, reaching $40.8 billion at December 31, 2025. The franchise operates 265 offices across nine states, underscoring its regional footprint and capacity to capture local commercial and consumer banking opportunities.

In the fourth quarter, net charge-offs totaled just under $100 million, reflecting ongoing elevated loss experience in certain commercial real estate segments. The bank increased its provision for credit losses to address higher cost-of-risk expectations, which weighed on profitability. Additionally, asset sensitivity in the current rate environment and anticipated central bank rate cuts are expected to compress net interest margin in 2026. Management reiterated confidence in its conservative underwriting standards, robust capital ratios, and resilient credit quality to support dividend growth and share buybacks despite these headwinds.