Q4: 2026-01-20 Earnings Summary

EPS of $1.53 misses by $0.02

| Revenue of $440.65M (6.87% Y/Y) beats by $6.31M

Bank OZK (OZK) Q4 2025 Earnings Call January 21, 2026 8:30 AM EST

Company Participants

Jay Staley George Gleason - Chairman & CEO Paschall Hamblen - President Jake Munn - President of Corporate & Institutional Banking Tim Hicks - Chief Financial Officer

Conference Call Participants

Stephen Scouten - Piper Sandler & Co., Research Division Manan Gosalia - Morgan Stanley, Research Division Brian Martin - Janney Montgomery Scott LLC, Research Division Sun Young Lee - TD Cowen, Research Division Jordan Ghent - Stephens Inc., Research Division Catherine Mealor - Keefe, Bruyette, & Woods, Inc., Research Division Timur Braziler - Wells Fargo Securities, LLC, Research Division

Presentation

Operator

Good day, and thank you for standing by. Welcome to Bank OZK Fourth Quarter and Full Year 2025 Earnings Conference Call.

[Operator Instructions]

Please be advised that today’s conference is being recorded.

I would now like to hand the conference over to your speaker today, Jay Staley, Managing Director of Investor Relations and Corporate Development. Please go ahead. .

Jay Staley

Good morning. I’m Jay Staley, Managing Director of Investor Relations and Corporate Development for Bank OZK. Thank you for joining our call this morning and participating in our question-and-answer session. .

In today’s Q&A session, we may make forward-looking statements about our expectations, estimates and outlook for the future. Please refer to our earnings release, management comments, financial supplement and other public filings for more information on the various factors and risks that may cause actual results or outcomes to vary from those projected in or implied by such forward-looking statements.

Joining me on the call to take your questions are George Gleason, Chairman and CEO; Brannon Hamblen, President; Cindy Wolfe, Chief Operating Officer; Tim Hicks, Chief Financial Officer; and Jake Munn, President, Corporate and Institutional Banking.

We’ll now open up the lines for your questions. Let me now ask our