Call reports 2025
OZARK BANK — 2025
What OZARK BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 344,869,000 | 363,635,000 | 344,814,000 | 346,613,000 |
| Total loans | 256,760,000 | 261,375,000 | 266,219,000 | 266,468,000 |
| Allowance for loan losses | 2,975,000 | 3,050,000 | 3,132,000 | 3,157,000 |
| Securities available for sale | 58,477,000 | 56,805,000 | 54,281,000 | 53,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,702,000 | 319,032,000 | 276,099,000 | 277,891,000 |
| Interest-bearing deposits | 251,271,000 | 268,605,000 | 226,263,000 | 227,844,000 |
| Noninterest-bearing deposits | 47,431,000 | 50,427,000 | 49,836,000 | 50,047,000 |
| Equity capital | 25,194,000 | 26,498,000 | 28,190,000 | 28,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,979,000 | 10,003,000 | 15,255,000 | 20,373,000 |
| Interest expense | 1,824,000 | 3,582,000 | 5,317,000 | 6,880,000 |
| Net interest income | 3,155,000 | 6,421,000 | 9,938,000 | 13,493,000 |
| Noninterest income | 320,000 | 634,000 | 969,000 | 1,308,000 |
| Noninterest expense | 2,104,000 | 4,180,000 | 6,312,000 | 8,524,000 |
| Provision for loan losses | 45,000 | 120,000 | 202,000 | 228,000 |
| Pretax income | 1,326,000 | 2,785,000 | 4,461,000 | 5,669,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 1,325,000 | 2,784,000 | 4,460,000 | 5,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,862,000 | 31,573,000 | 32,498,000 | 31,580,000 |
| Total capital | 33,836,000 | 34,634,000 | 35,591,000 | 34,676,000 |
| Risk-weighted assets | 237,678,000 | 244,681,000 | 247,221,000 | 247,486,000 |