U.S. Mortgage Index

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Public institution profile · Bank · Not a recommendation

Bank OZK

BankLittle Rock, ARActive

FDIC certificate 110

Data observedAugust 3, 2026Section records may have different source dates.

Identifiers, verification, and corrections

Stable identifiers

Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.

FDIC certificate
110
company ID
Not published — no verified match
More identifiers
Federal Reserve
107244
OCC charter number
Not published — no verified match
Not published — no verified match
Official website
http://www.ozk.com

Verify at FDICVerify at FFIEC NIC / regulator

Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Profile notes

This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.

Data correction

Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.

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At a glance

Institution type
Bank
Status
Active
Headquarters
Little Rock, AR
HMDA activity
Published activity year 2025
Listed branch locations
263
Complaint records
CFPB search status is not currently available.
CRA examinations
Satisfactory, exam June 1, 2026
Institution history
22 published events

What USMI publishes

Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.

Institution type
Bank
Status
Active
Headquarters
Little Rock, AR
activity
Published activity year 2025
Listed branch locations
263
Complaint records
CFPB search status is not currently available.
CRA examinations
Satisfactory, exam June 1, 2026
Institution history
22 published events

Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.

What this profile is not

  • Not a lender recommendation or ranking.
  • Not a mortgage rate sheet or quote.
  • Not an underwriting, approval, or eligibility decision.
  • Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
  • Not a complaint-resolution channel.
  • Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.

HMDA

Mortgage activity

Reported records for the selected year. These figures are not a lender score.

5,857reported records

2,626reported originations

2025 reported mortgage activity. Source: HMDA.

HMDA2025The year selector below shows each published activity year.

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activity

Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.

Geographynationwide

HMDA source observed2026-08-09

HMDA records

5,857

2025

Loan originations

2,626

2025

Denials

1,669

2025

Withdrawals

584

2025

Denial rate among decisioned applications

37.8%

2025

Annual history

Scroll sideways to review every HMDA column.

Annual HMDA activity history
YearHMDA recordsOriginationsApproved but not acceptedDenialsWithdrawalsDenial rate
20255,8572,6261211,66958437.8%
20244,5431,840981,56946244.7%
20231,8898574878220246.4%
20222,2811,1935579923439.0%
20212,6581,3665490433438.9%
20203,1961,551811,08445839.9%
20193,4851,606771,41538745.7%
20183,3371,612911,25836042.5%

Detailed activity

Loan type and purpose

Loan type and purpose breakdown for 2025
CategoryHMDA records
Conventional5,611
FHA183
VA39
RHS / FSA24
Home purchase2,324
Home improvement1,648
Refinancing937
Cash-out refinancing295

State reporting

23 states / territories reported

How to read these figures

HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.

CFPB

CFPB consumer submissions

Complaints are consumer submissions and are not findings of wrongdoing.

CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.

Ask about these complaints

CFPB Mortgage Complaint Activity

Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.

Total CFPB mortgage complaint records

28

Coverage start

December 1, 2012

Data through

August 20, 2026

Annual activity

CFPB mortgage complaint records by year
YearComplaint records
20171
20184
20192
20204
20211
20221
20232
20241
20254
20268

Leading issues

  1. Closing on a mortgage

    None

    5

  2. Trouble during payment process

    None

    5

  3. Applying for a mortgage or refinancing an existing mortgage

    None

    3

  4. Closing on a mortgage

    Fees or costs after closing

    2

  5. Struggling to pay mortgage

    Foreclosure

    2

View all issues (14)

  1. Trouble during payment process

    Escrow, taxes, or insurance

    2

  2. Trouble during payment process

    Payment process

    2

  3. Applying for a mortgage or refinancing an existing mortgage

    Confusing or misleading advertising or marketing

    1

  4. Applying for a mortgage or refinancing an existing mortgage

    Loan estimate or other related disclosures

    1

  5. Incorrect information on your report

    Account information incorrect

    1

  6. Incorrect information on your report

    Information belongs to someone else

    1

  7. Trouble during payment process

    Fees charged

    1

  8. Trouble during payment process

    Paying off the loan

    1

  9. Trouble during payment process

    Trying to communicate with the company to fix an issue while managing or servicing your loan

    1

States

  1. Georgia

    11

  2. Texas

    6

  3. Florida

    3

  4. North Carolina

    2

  5. Alabama

    1

View all states (10)

  1. Arkansas

    1

  2. Illinois

    1

  3. Maryland

    1

  4. New Jersey

    1

  5. None

    1

Company response

  1. Closed with explanation

    28

Timely response

Timely-response figures are a count distribution as reported to CFPB, not a score.

  1. Yes

    28

How to read these figures

Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing. CFPB complaint records are submissions received by the Consumer Financial Protection Bureau. Complaint volume does not establish misconduct or wrongdoing. Counts can be influenced by company size, mortgage servicing volume, time in operation, consumer awareness and reporting, and corporate reporting structure. U.S. Mortgage Index does not treat complaint allegations as independently verified facts.

Read the methodology

Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.

Regulatory records

Regulatory & institutional records

Only records that apply to this institution are shown. Identifiers stay as published.

FFIEC NICAugust 19, 2026Observed date for the NIC institution record.

Ask about this regulatory record

Institution identity

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name
Bank OZK
Display name
Bank OZK
Institution status
Active
FDIC insured
Yes
FDIC insured since
January 1, 1934
Established date
March 3, 1903
Charter class
State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
Primary federal regulator
Federal Deposit Insurance Corporation
Headquarters
Little Rock, AR, 72223, United States
Website
http://www.ozk.com
FDIC certificate number
110
Federal Reserve
107244
Domestic location count
276
Source observed
August 3, 2026

Regulatory information

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status
ACTIVE
Primary federal regulator
FDIC
Institution type
Non-member Bank
Primary activity
NAICS 52211
FDIC certificate
110
Federal Reserve
107244
Headquarters
18000 Cantrell Road, Little Rock, AR, 72223, United States
Primary deposit insurer
Deposit Insurance Fund (DIF)
Source observed
August 19, 2026

Community Reinvestment Act (CRA)

Latest available CRA evaluation

Rating
Satisfactory
Exam date
June 1, 2026
Regulator
FDIC
Examination method
Large Bank Exam

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.

Historical CRA evaluations

Scroll sideways to see every CRA examination column.

Historical CRA evaluations
Exam dateCRA ratingRegulatorExamination method
June 1, 2026SatisfactoryFDICLarge Bank Exam
March 1, 2023SatisfactoryFDICLarge Bank Exam
February 1, 2020SatisfactoryFDICLarge Bank Exam
August 1, 2016SatisfactoryFDICLarge Bank Exam
October 1, 2013SatisfactoryFDICLarge Bank Exam
May 1, 2010SatisfactoryFDICLarge Bank Exam
January 1, 2007SatisfactoryFDICLarge Bank Exam
December 1, 2004SatisfactoryFDICLarge Bank Exam
March 1, 2002SatisfactoryFDICLarge Bank Exam
August 1, 1997OutstandingFDICSmall Bank
January 1, 1995OutstandingFDICNot Reported
June 1, 1992OutstandingFDICNot Reported

Read the methodology

Formal hierarchy

FFIEC NIC hierarchy rows

16

Showing 1 through 16 of 16 relationship records

FFIEC NIC organizational relationships
RelationshipInstitutionTypeLocation
Direct relationshipBOTO HOLDINGS, INC.Domestic Entity OtherDallas, TX
Direct relationshipBOTO LLCDomestic Entity OtherLittle Rock, AR
Direct relationshipELIZABETH STATION, LLCDomestic Entity OtherMarietta, GA
Direct relationshipHIGHLANDS GROUP, INC, THEDomestic Entity OtherLittle Rock, AR
Direct relationshipINTERVEST STATUTORY TRUST IIDomestic Entity OtherNew York, NY
Direct relationshipINTERVEST STATUTORY TRUST IIIDomestic Entity OtherNew York, NY
Direct relationshipINTERVEST STATUTORY TRUST IVDomestic Entity OtherNew York, NY
Direct relationshipINTERVEST STATUTORY TRUST VDomestic Entity OtherNew York, NY
Direct relationshipOMNIBANK CENTER BUSINESS CONDOMINIUMS OWNERS ASSOCIATION, INC.Domestic Entity OtherHouston, TX
Direct relationshipOZARK CAPITAL STATUTORY TRUST IIDomestic Entity OtherHartford, CT
Direct relationshipOZARK CAPITAL STATUTORY TRUST IIIDomestic Entity OtherLittle Rock, AR
Direct relationshipOZARK CAPITAL STATUTORY TRUST IVDomestic Entity OtherLittle Rock, AR
Direct relationshipOZARK CAPITAL STATUTORY TRUST VDomestic Entity OtherLittle Rock, AR
Direct relationshipRESG CAYMAN ISLANDS SPE, LLCDomestic Entity OtherDallas, TX
Direct relationshipSUMMIT REAL ESTATE INVESTMENTS INCDomestic Entity OtherArkadelphia, AR
ROOT_INSTITUTIONBANK OZKNon-member BankLittle Rock, AR

These rows are the FFIEC NIC formal hierarchy. They are not branch locations and they are not the separate institution-relationship records.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type
FDIC-insured state-chartered nonmember bank

Locations

Branch and office locations

Start with the published count and primary location. Search stays paged so the first view stays readable.

FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.

Ask about these locations

Branch locations

Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.

Branch network

Listed locations

263

Showing 201 through 250 of 263 listed locations

Scroll sideways to see every branch column.

Showing 201 through 250 of 263 FFIEC NIC branch locations
BranchAddressCityStatePostal code
CRAMERTON BRANCH5800 West Wilkinson BlvdBelmontNC28012
BESSEMER CITY BRANCH1225 Gastonia HwyBessemer CityNC28016
BOILINGS SPRINGS BRANCH208 North Main StreetBoiling SpringsNC28017
BURLINGTON - HUFFMAN MILL ROAD BRANCH166 Huffman Mill RoadBurlingtonNC27215
CHARLOTTE PARK ROAD BRANCH4200 Park RoadCharlotteNC28209
CONCORD BRANCH660 Penny Lane, NEConcordNC28025
CORNELIUS BRANCH19811 West Catawba AvenueCorneliusNC28031
FOREST CITY BRANCH108 Plaza Drive ExtensionForest CityNC28043
GASTONIA BRANCH529 South New Hope RDGastoniaNC28054
HARRISBURG BRANCH4075 Highway 49 SouthHarrisburgNC28075
KINGS MOUNTAIN BRANCH300 West Mountain StreetKings MountainNC28086
LANDIS BRANCH105 North Main StreetLandisNC28088
LAWNDALE BRANCH103 Piedmont DriveLawndaleNC28090
LEXINGTON BRANCH119 W Center STLexingtonNC27292
LINCOLNTON BRANCH2317 East Main StreetLincolntonNC28092
MOCKSVILLE BRANCH135 Boxwood Village DRMocksvilleNC27028
LAKE BOONE LOAN PRODUCTION OFFICE3701 Lake Boone Trail, Suite 2ARaleighNC27607
SHELBY EAST BRANCH1338 East Dixon BlvdShelbyNC28152
SHELBY HIGHLAND BRANCH1127 East Marion STShelbyNC28150
SHELBY MAIN BRANCH106 South Lafayette StreetShelbyNC28150
SHELBY NORTH BRANCH801 North Lafayette STShelbyNC28150
SHELBY SOUTH BRANCH526 South Lafayette StreetShelbyNC28150
WILMINGTON MILITARY CUTOFF ROAD1105 Military Cutoff RoadWilmingtonNC28405
WINSTON SALEM BRANCH1230 Creekshire WayWinston SalemNC27103
NEW YORK BRANCH1 Rockefeller PlazaNew YorkNY10020
NEW YORK LOAN PRODUCTION OFFICE230 Park AvenueNew YorkNY10169
MADISON BRANCH2227 Gallatin Pike NorthMadisonTN37115
ALLEN TEXAS BRANCH1054 West Bethany DriveAllenTX75013
AUSTIN - SLAUGHTER LANE BRANCH3520 W. Slaughter LaneAustinTX78749
AUSTIN SPICEWOOD SPRINGS BRANCH3901-a Spicewood Springs RDAustinTX78759
BANK OF THE OZARKS CARROLLTON BRANCH3336 East Hebron ParkwayCarrolltonTX75010
CEDAR PARK BRANCH1861 South Lakeline BlvdCedar ParkTX78613
COLLEYVILLE BLVD. BRANCH4841 Colleyville BlvdColleyvilleTX76034
23 SPRINGS BRANCH2323 Cedar Springs RDDallasTX75201
DALLAS - GREENVILLE AVE. BRANCH9728 Greenville AveDallasTX75243
DALLAS FORT WORTH AVENUE BRANCH2821 Fort Worth AvenueDallasTX75211
DALLAS PRESTON BRANCH14999 Preston RoadDallasTX75254
WESTCHESTER DRIVE LOAN PRODUCTION BRANCH8201 Preston Road, Suite 700DallasTX75223
DENTON UNIVERSITY DRIVE BRANCH1444 W. University DriveDentonTX76201
FORT WORTH SYCAMORE BRANCH7900 Crowley RoadFort WorthTX76134
FT. WORTH BASSWOOD BLVD. BRANCH4401 Basswood BlvdFort WorthTX76137
EAST PARKWOOD AVENUE BRANCH301 East Parkwood AvenueFriendswoodTX77546
FRISCO, TX PRESTON BRANCH5178 Preston RoadFriscoTX75034
LEBANON TOLLWAY BRANCH7197 Lebanon RoadFriscoTX75034
HICKORY CREEK FM 2181 BRANCH4400 Fm2181Hickory CreekTX75065
CYPRESS CREEK BRANCH2821 FM 1960 Road WestHoustonTX77014
HOUSTON - ELDRIDGE BRANCH1503 Eldridge PkwyHoustonTX77077
HOUSTON - NW FREEWAY BRANCH14561 Northwest FreewayHoustonTX77040
HOUSTON MONTROSE BRANCH4409 Montrose Blvd.HoustonTX77006
HOUSTON OLD SPANISH TRAIL BRANCH5751 Blythewood Street, Suite 800HoustonTX77021

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

History

Institution history

Events are listed by date. The source event type is kept with the record.

HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.

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Institution history

History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.

Institutional history

FFIEC NIC history events

22

Showing 1 through 22 of 22 history events

FFIEC NIC institutional history events
Event dateEvent typeRelated institution
June 27, 2017Charter Discontinued (Merger or Purchase & Assumption)BANK OF THE OZARKS INC
July 22, 2016Charter Discontinued (Merger or Purchase & Assumption)C1 BANK
July 21, 2016Charter Discontinued (Merger or Purchase & Assumption)—
August 6, 2015Charter Discontinued (Merger or Purchase & Assumption)—
February 11, 2015Charter Discontinued (Merger or Purchase & Assumption)—
May 17, 2014Charter Discontinued (Merger or Purchase & Assumption)—
March 6, 2014Charter Discontinued (Merger or Purchase & Assumption)—
August 1, 2013Charter Discontinued (Merger or Purchase & Assumption)—
January 1, 2013Charter Discontinued (Merger or Purchase & Assumption)—
April 30, 2011Failure - Government Assistance ProvidedFIRST CHOICE COMMUNITY BANK
April 30, 2011Failure - Government Assistance ProvidedPARK AVENUE BANK, THE
January 15, 2011Failure - Government Assistance ProvidedOGLETHORPE BANK
December 18, 2010Failure - Government Assistance ProvidedCHESTATEE STATE BANK
September 11, 2010Failure - Government Assistance ProvidedHORIZON BANK
July 17, 2010Failure - Government Assistance ProvidedWOODLANDS BANK
March 27, 2010Failure - Government Assistance ProvidedUNITY NATIONAL BANK
June 13, 2003Charter Discontinued (Merger or Purchase & Assumption)—
June 11, 1999Charter Discontinued (Merger or Purchase & Assumption)—
January 8, 1999Charter Discontinued (Merger or Purchase & Assumption)HERITAGE BANC HOLDING, INC.
January 8, 1999Charter Discontinued (Merger or Purchase & Assumption)—
December 22, 1995Charter Discontinued (Merger or Purchase & Assumption)BANKSTOCK ONE, INC.
December 8, 1990Failure - Government Assistance ProvidedFIRST AMERICAN SAVINGS BANK, F.S.B.

These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

SourcesEach source keeps its own observed date. Dates are not combined into one profile date.

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Sources & methodology

Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.

CFPB Consumer Complaint Database search

Consumer Financial Protection Bureau

Source reviewed2026-08-03

Limitation

Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.

Methodology

HMDA modified LAR

Consumer Financial Protection Bureau

Source reviewed2026-08-03

Limitation

HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.

Methodology

Cite this profile

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