Bank OZK reported total assets of $41.6 billion, total loans of $32.8 billion, and total deposits of $34.0 billion as of September 30, 2025. The net interest margin for the first nine months of 2025 was 4.3%. The efficiency ratio for the same period was 35.4%. The annualized net charge-off ratio was 0.3%, and return on average assets was 1.8%. The return on average tangible common equity was 14.4%, and the tangible common equity to tangible assets ratio was 12.4%. During the third quarter of 2025, the net interest margin was 4.4%, down by one basis point from the prior quarter and by 20 basis points year-over-year. Bank OZK continued to outperform the industry in net interest margin by 1.1 percentage points in the latest available comparative quarter. The bank expects its full-year 2025 net charge-off ratio to remain below the industry average but higher than in 2024. Bank OZK operates 248 retail branches across six states and 13 loan production offices nationwide.