Bank OZK, headquartered in Little Rock, Arkansas, is a U.S. chartered commercial bank offering a broad range of financial services to businesses and individuals. The company provides loans and credit facilities for commercial real estate, construction, land acquisition, multi-family housing and commercial and industrial projects. In addition to lending, Bank OZK offers deposit products including checking, savings, money market accounts and certificates of deposit, along with treasury management services designed to support corporate clients in managing cash flow and operational needs.
The bank also operates mortgage banking services that originate and sell residential mortgage loans, serving homebuyers through a network of loan officers across select states. Through its insurance premium finance subsidiary, Bank OZK provides financing solutions for insurance premiums, enabling businesses and individuals to manage insurance costs in industries such as healthcare, construction and transportation. This diversified model allows the bank to generate fee income from multiple streams beyond traditional lending.
Founded as Bank of the Ozarks in 1903 in Jasper, Arkansas, the institution became a bank holding company under the leadership of George S. Gleason Jr., who acquired it in 1983 and relocated its operations to Little Rock. In 2018, the company rebranded to Bank OZK to unify its growing network and modernize its identity. Over time, Bank OZK has expanded its geographic footprint to serve customers across the Southeastern U.S., Texas, Florida, California and Washington, while maintaining a community-oriented approach.
Today, Bank OZK is led by George S. Gleason Jr., who serves as chairman and chief executive officer, supported by a management team with extensive experience in banking and real estate finance. The company remains focused on disciplined credit underwriting, strategic growth in key markets and leveraging technology to enhance the customer experience, positioning itself as a regional bank with a specialized commercial lending franchise.
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