Bank OZK reports Q3 net interest margin of 4.35% and net charge-off ratio of 0.26%
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Bank OZK reported a Q3 2025 net interest margin of 4.35% and a net charge-off ratio of 0.26%. Total assets were $41.6 billion, with loans at $32.8 billion and deposits at $34.0 billion. The bank's efficiency ratio was 35.4%, and return on average assets was 1.8%. It outperformed the industry in net interest margin by 1.1 percentage points. Bank OZK expects its full-year net charge-off ratio to remain below the industry average but higher than in 2024.
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