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LITTLE ROCK - Bank OZK (NASDAQ:OZK) reported record second quarter earnings that exceeded analyst expectations, with net income available to common stockholders reaching $178.9 million, a 3.1% increase from the same period last year.
The regional bank posted earnings per share of $1.58 for the quarter, beating the analyst estimate of $1.53. Revenue came in at $427.99 million, surpassing the consensus estimate of $423.45 million.
"Our excellent results for the quarter included record net income, record EPS, record net interest income, excellent growth in loans and deposits, and solid asset quality," said George Gleason, Chairman and Chief Executive Officer. "These results demonstrate our team’s ability to proactively and effectively manage the various challenges of this environment while capitalizing on numerous opportunities."
The bank’s performance for the first half of 2025 showed a modest improvement, with net income available to common stockholders at $346.8 million, up 0.5% from $345.0 million in the first six months of 2024. EPS for the first half reached $3.05, a 0.7% increase YoY.
Bank OZK reported total assets of $41.5 billion as of June 30, 2025. The bank operates over 250 offices across nine states, including Arkansas, Georgia, Florida, North Carolina, Texas, Tennessee, New York, California, and Mississippi.
One of the bank’s stated goals for 2025 is to improve on its record 2024 performance in terms of net income and EPS. Based on first-half results, management expressed confidence in achieving this objective despite the current dynamic operating environment.
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