Bank OZK (OZK) Balance Sheet
OZK balance sheet, 2025
December 31, 2025 · U.S. dollars$40.79B assets = $34.66B liabilities + $6.13B equity
Both columns are drawn to the same scale: what OZK owns equals what it owes plus shareholders’ equity. Hover a block for its value.
OZK financial health
Descriptive bands, not a rating. Fiscal 2025.
OZK balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $18.89B2016 | $40.79B2025 | +8.9%/yr | |
| Total liabilities | $16.10B2016 | $34.66B2025 | +8.9%/yr | |
| Shareholders’ equity | $2.79B2016 | $6.13B2025 | +9.1%/yr | |
| Cash & short-term investments | $2.34B2016 | $3.24B2025 | +3.7%/yr | |
| Total debt | $447.8M2016 | $463.6M2025 | +0.4%/yr | |
| Net cash (debt) | $1.89B2016 | $2.77B2025 | +$884.6M | |
| Working capital | −$13.32B2016 | −$766.4M2025 | +$12.6B | |
| Book value per share | $26.662016 | $54.702025 | +8.3%/yr | |
| Debt / equity | 0.162016 | 0.082025 | −0.08 | |
| Shares outstanding | 104.7M2016 | 112.1M2025 | +0.8%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
OZK assets
OZK liabilities and equity
OZK debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
OZK balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $3.24B | $3.35B | $5.39B | $4.53B | $5.97B | $5.80B | $3.77B | $3.15B | $3.06B | $2.34B |
| Cash & equivalents | $2.83B | $2.78B | $2.15B | $1.03B | $2.05B | $2.39B | $1.50B | $290.7M | $440.4M | $866.4M |
| Short-term investments | $404.5M | $565.5M | $3.24B | $3.49B | $3.92B | $3.41B | $2.28B | $2.86B | $2.62B | $1.47B |
| Receivables | $171.6M | $174.0M | $170.1M | $125.1M | $83.0M | $88.1M | $75.2M | $82.0M | $64.6M | $51.9M |
| Inventory | $0 | $0 | $1.98B | −$1.17B | −$2.16B | −$2.49B | −$1.62B | $16.2M | $25.4M | $43.7M |
| Other current assets | $0 | $0 | $0 | $1.17B | $2.16B | $2.49B | $1.62B | $15.01B | $14.27B | $0 |
| Total current assets | $3.07B | $3.52B | $5.56B | $4.65B | $6.05B | $5.89B | $3.85B | $18.26B | $17.42B | $2.39B |
| Property, plant & equipment (net) | $922.0M | $739.1M | $676.8M | $678.4M | $695.9M | $738.8M | $711.5M | $567.2M | $519.8M | $504.1M |
| Goodwill & intangible assets | $660.8M | $660.8M | $1.34B | $663.5M | $669.1M | $675.5M | $684.5M | $696.5M | $709.0M | $721.0M |
| Long-term investments | $2.61B | $2.84B | $3.24B | $3.50B | $3.93B | $3.41B | $2.28B | $2.86B | $2.62B | $14.49B |
| Other non-current assets | $33.53B | $30.50B | $23.41B | $18.16B | $15.18B | $16.46B | $16.03B | $0 | $0 | $788.6M |
| Total assets | $40.79B | $38.26B | $34.24B | $27.66B | $26.53B | $27.16B | $23.56B | $22.39B | $21.28B | $18.89B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $233.9M | $186.8M | $251.9M | $221.8M | $216.4M | $186.2M | $72.6M |
| Short-term debt | — | — | $823.9M | $626.1M | $6.1M | $8.0M | $383.1M | $128.5M | $90.1M | $65.1M |
| Deferred revenue | — | — | — | −$392.3M | $158.1M | $217.9M | −$161.3M | $87.8M | $96.1M | −$12.8M |
| Total current liabilities | $3.83B | $31.04B | $27.41B | $21.73B | $20.40B | $21.71B | $221.8M | $216.4M | $186.2M | $15.71B |
| Long-term debt | $463.6M | $883.0M | $1.27B | $1.08B | $1.22B | $1.10B | $695.0M | $439.3M | $364.0M | $160.1M |
| Other long-term liabilities | $30.36B | $626.5M | $417.6M | $156.4M | $71.6M | $81.5M | $0 | $0 | $0 | $222.5M |
| Total liabilities | $34.66B | $32.55B | $29.10B | $22.97B | $21.69B | $22.89B | $19.40B | $18.61B | $17.81B | $16.10B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $1.1M | $1.1M | $1.1M | $1.2M | $1.3M | $1.3M | $1.3M | $1.3M | $1.3M | $1.90B |
| Retained earnings (deficit) | $4.32B | $3.82B | $3.28B | $2.77B | $2.38B | $1.95B | $1.87B | $1.57B | $1.25B | $914.4M |
| Treasury stock | — | — | — | — | — | — | — | — | — | −$6.9M |
| Accumulated other comprehensive income | −$24.9M | −$76.1M | −$97.4M | −$177.6M | $23.8M | $58.3M | $27.3M | −$34.1M | −$12.7M | −$25.9M |
| Minority interest | $0 | $571,000 | $975,000 | $1.4M | — | — | — | — | — | $3.3M |
| Total shareholders' equity | $6.13B | $5.71B | $5.14B | $4.69B | $4.84B | $4.27B | $4.15B | $3.77B | $3.46B | $2.79B |
| Key figures | ||||||||||
| Total debt | $463.6M | $883.0M | $1.27B | $1.08B | $1.23B | $1.10B | $1.08B | $567.9M | $454.1M | $447.8M |
| Net cash (debt) | $2.77B | $2.46B | $4.12B | $3.45B | $4.74B | $4.70B | $2.70B | $2.59B | $2.61B | $1.89B |
| Working capital | −$766.4M | −$27.52B | −$21.84B | −$17.08B | −$14.35B | −$15.82B | $3.63B | $18.05B | $17.24B | −$13.32B |
| Tangible book value | $5.47B | $5.04B | $3.80B | $4.03B | $4.17B | $3.60B | $3.47B | $3.08B | $2.75B | $2.07B |
| Book value per share | $54.70 | $50.04 | $44.75 | $38.85 | $37.31 | $33.01 | $32.20 | $29.31 | $27.53 | $26.66 |
| Shares outstanding | 112.1M | 114.0M | 114.8M | 120.7M | 129.6M | 129.4M | 129.0M | 128.7M | 125.8M | 104.7M |
| Current ratio | 0.80 | 0.11 | 0.20 | 0.21 | 0.30 | 0.27 | 17.35 | 84.41 | 93.59 | 0.15 |
| Quick ratio | 0.89 | 0.11 | 0.20 | 0.21 | 0.30 | 0.27 | 17.35 | 14.95 | 16.80 | 0.15 |
| Debt / equity | 0.08 | 0.15 | 0.25 | 0.23 | 0.25 | 0.26 | 0.26 | 0.15 | 0.13 | 0.16 |
| Equity / assets | 15.0% | 14.9% | 15.0% | 17.0% | 18.2% | 15.7% | 17.6% | 16.9% | 16.3% | 14.8% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $1.55B | $1.70B | $3.24B | $3.54B | $3.14B | $2.83B | $3.35B | $5.63B | $5.55B | $5.40B | $5.39B | $5.02B |
| Cash & equivalents | $1.55B | $1.70B | $2.83B | $3.12B | $2.71B | $2.38B | $2.78B | $2.68B | $2.57B | $2.32B | $2.15B | $1.86B |
| Short-term investments | $486.4M | $457.6M | $404.5M | $420.0M | $437.6M | $450.9M | $565.5M | $2.95B | $2.98B | $3.07B | $3.24B | $3.15B |
| Receivables | $175.4M | $176.2M | $171.6M | $178.3M | $182.9M | $174.3M | $174.0M | $173.2M | $177.4M | $175.2M | $170.1M | $154.2M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$2.75B | −$2.50B | $1.98B | −$2.09B |
| Other current assets | — | $0 | — | $0 | $0 | $0 | $0 | $0 | $2.75B | $2.50B | $0 | $2.09B |
| Total current assets | — | $1.88B | — | $3.72B | $3.33B | $3.00B | $3.52B | $5.80B | $5.73B | $5.57B | $5.56B | $5.17B |
| Property, plant & equipment (net) | $980.6M | $973.2M | $922.0M | $890.4M | $869.1M | $767.8M | $739.1M | $712.8M | $702.5M | $681.9M | $676.8M | $665.8M |
| Goodwill & intangible assets | $660.8M | $660.8M | $660.8M | $660.8M | $660.8M | $660.8M | $660.8M | $660.8M | $660.8M | $660.8M | $1.34B | $1.32B |
| Long-term investments | $4.24B | $3.84B | $2.61B | $2.76B | $2.82B | $2.97B | $2.84B | $2.95B | $2.98B | $3.07B | $3.24B | $3.15B |
| Other non-current assets | $35.83B | $34.31B | $36.59B | $33.58B | $33.78B | $31.77B | $30.50B | $27.31B | $26.76B | $26.04B | $23.41B | $22.45B |
| Total assets | $41.70B | $41.66B | $40.79B | $41.61B | $41.45B | $39.17B | $38.26B | $37.44B | $36.84B | $36.03B | $34.24B | $32.77B |
| Liabilities | ||||||||||||
| Accounts payable | — | — | — | — | — | — | — | — | — | — | — | $252.0M |
| Short-term debt | $734,000 | $350.6M | — | — | — | — | $438.4M | — | — | — | $823.9M | — |
| Total current liabilities | $734,000 | $350.6M | — | $33.98B | $33.52B | $31.93B | $31.04B | $30.57B | $29.94B | $29.41B | $27.41B | $25.80B |
| Long-term debt | $463.9M | $813.9M | $463.6M | $763.4M | $1.26B | $763.0M | $883.0M | $621.1M | $870.8M | $671.6M | $1.27B | $1.90B |
| Other long-term liabilities | $34.96B | $34.34B | — | $764.6M | $744.0M | $645.0M | $626.5M | $655.6M | $613.0M | $684.4M | $417.6M | $158.1M |
| Total liabilities | $35.43B | $35.51B | $34.66B | $35.51B | $35.53B | $33.33B | $32.55B | $31.85B | $31.43B | $30.76B | $29.10B | $27.86B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $1.1M | $1.1M | $1.1M | $1.1M | $1.1M | $1.1M | $1.1M | $1.1M | $1.1M | $1.1M | $1.1M | $1.1M |
| Retained earnings (deficit) | $4.54B | $4.43B | $4.32B | $4.20B | $4.07B | $3.94B | $3.82B | $3.68B | $3.55B | $3.42B | $3.28B | $3.15B |
| Accumulated other comprehensive income | −$26.8M | −$47.9M | −$24.9M | −$36.0M | −$68.2M | −$69.3M | −$76.1M | −$52.0M | −$100.9M | −$107.2M | −$97.4M | −$199.0M |
| Minority interest | — | — | $0 | $202,000 | $208,000 | — | — | — | — | — | — | — |
| Total shareholders' equity | $6.28B | $6.16B | $6.13B | $6.09B | $5.92B | $5.83B | $5.71B | $5.59B | $5.41B | $5.27B | $5.14B | $4.90B |
| Key figures | ||||||||||||
| Total debt | $668.2M | $813.9M | $463.6M | $763.4M | $1.26B | $763.0M | $883.0M | $621.1M | $870.8M | $671.6M | $1.27B | $1.90B |
| Net cash (debt) | $886.1M | $888.1M | $2.77B | $2.78B | $1.88B | $2.07B | $2.46B | $5.01B | $4.68B | $4.72B | $4.12B | $3.12B |
| Working capital | — | $1.53B | — | −$30.27B | −$30.20B | −$28.92B | −$27.52B | −$24.77B | −$24.22B | −$23.83B | −$21.84B | −$20.63B |
| Tangible book value | $5.62B | $5.50B | $5.47B | $5.43B | $5.26B | $5.17B | $5.04B | $4.93B | $4.75B | $4.61B | $3.80B | $3.58B |
| Book value per share | $57.23 | $55.50 | $54.70 | $53.67 | $52.08 | $51.06 | $50.04 | $49.05 | $47.44 | $46.25 | $45.18 | $43.10 |
| Shares outstanding | 109.7M | 110.9M | 112.1M | 113.5M | 113.8M | 114.2M | 114.0M | 114.0M | 114.0M | 113.9M | 113.8M | 113.8M |
| Current ratio | — | 5.36 | — | 0.11 | 0.10 | 0.09 | 0.11 | 0.19 | 0.19 | 0.19 | 0.20 | 0.20 |
| Quick ratio | 2,356.55 | 5.36 | — | 0.11 | 0.10 | 0.09 | 0.11 | 0.19 | 0.19 | 0.19 | 0.20 | 0.20 |
| Debt / equity | 0.11 | 0.13 | 0.08 | 0.13 | 0.21 | 0.13 | 0.15 | 0.11 | 0.16 | 0.13 | 0.25 | 0.39 |
| Equity / assets | 15.1% | 14.8% | 15.0% | 14.6% | 14.3% | 14.9% | 14.9% | 14.9% | 14.7% | 14.6% | 15.0% | 15.0% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed December 31, 2025); data from EODHD.
OZK financial position
At the end of fiscal 2025 (December 31, 2025), Bank OZK had total assets of $40.8 billion (up 6.6% from a year earlier), total liabilities of $34.7 billion and shareholders' equity of $6.1 billion. It held $3.2 billion in cash and short-term investments against $463.6 million of debt, a net cash position of $2.8 billion. Its current ratio was 0.80. In the latest quarter (ended June 30, 2026) total assets were $41.7 billion and equity $6.3 billion.
Related: OZK income statement, OZK cash flow statement, OZK key metrics. See the OZK stock overview for the latest quote and news.
OZK balance sheet FAQ
What are Bank OZK's total assets?
Bank OZK reported total assets of $40.8 billion at the end of fiscal 2025 (December 31, 2025), compared with $38.3 billion a year earlier.
How much debt does Bank OZK have?
Bank OZK had $463.6 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.08.
How much cash does Bank OZK have?
Bank OZK held $3.2 billion in cash and short-term investments at the end of fiscal 2025; with $463.6 million of debt that is net cash of $2.8 billion.
What is Bank OZK's book value?
Bank OZK's shareholders' equity (book value) was $6.1 billion at the end of fiscal 2025, or $54.70 per share.
What is Bank OZK's current ratio?
Bank OZK had current assets of $3.1 billion and current liabilities of $3.8 billion, a current ratio of 0.80 (current liabilities exceed current assets).
How much goodwill does Bank OZK have?
Bank OZK carried $660.8 million of goodwill and intangible assets, 1.6% of total assets, at the end of fiscal 2025.