Why Bank OZK

Founded on a legacy of more than 120 years in banking, Bank OZK is much more than just a company. We’re nationally recognized as an industry leader in financial services. That means we combine exceptional service with innovative technologies to deliver smart solutions to our clients across the country. We’re investing in small businesses, fueling economies in local communities and changing skylines in the largest cities across America. Here, we're not simply filling roles. We're fostering even greater careers.

The foundation for a great career starts with an exceptional team and a comprehensive benefits package. We believe in providing our dedicated team members with the best resources to support their physical, mental and financial wellbeing, including generous PTO, 401(k) matching, health, dental, vision (and pet!) insurance as well as special perks and discounts. Learn more about Bank OZK benefits.

Job Purpose & Scope

Responsible for nurturing professional relationships with customers by engaging in meaningful conversations regarding their financial needs and goals, identifying referral opportunities, and processing financial transactions. Promote a positive, helpful, and friendly team environment and provide exceptional customer service at all times.

Essential Job Functions

Cultivate professional relationships with customers, utilizing assessment tools and engaging customers in meaningful conversations to uncover needs, make appropriate recommendations, and submit referrals to banking center team members or line of business partners.
Utilize assessment tools to maintain detailed notes regarding customer conversations and interactions.
Facilitate and process account transactions accurately and efficiently to minimize errors and reduce fraud.
Actively participate in morning huddles.
May open new accounts, as needed and with documented approval of management.
Demonstrate competency and accountability to maintain banking center operational standards, ensuring compliance with internal controls, operational procedures, and risk management.
Actively promote teamwork, leading by example and taking initiative to assist others.
Demonstrate effective organizational and time management skills.
Provide backup and assistance to other retail banking locations, as requested.
Model and champion the Bank’s standards for exceptional customer service.
Demonstrate empathy and proactively resolve client concerns in a timely, professional, and positive manner, escalating issues to next level of authority, as needed.
Enthusiastically support the bank’s values and mission.
Display a high degree of integrity, trustworthiness, and professionalism at all times.
Complete all essential training timely.
Display enthusiasm for continuous learning, accepting and applying constructive feedback from more experienced team members.
Maintain consistent, good punctuality and attendance to work.
Adhere to all Bank policies, procedures, and guidelines

Knowledge, Skills & Abilities

Knowledge of bank products and services (e.g., online banking, mobile banking applications, banking cards)
Knowledge of bank policies and procedures
Ability to provide excellent customer service and demonstrate a helpful, friendly, approachable, enthusiastic, and professional disposition
Ability to communicate effectively both verbally and in writing
Ability to demonstrate team player approach, capable of thriving in a continually changing environment
Ability to demonstrate critical thinking skills and accurate and efficient productivity, including attention to detail
Ability to work without close supervision
Ability to maintain confidentiality
Ability to follow policy and procedure including safety and security procedures
Ability to travel to other work locations (e.g., training, staffing shortages), as needed
Skill in using computer and Microsoft Office applications necessary to perform essential job functions

Basic Qualifications

High school diploma or equivalent required; bachelor’s degree preferred
1+ year experience interacting with people and displaying excellent service skills, demonstrated through work, military and/or education, required
Knowledge of and experience with bank products, online banking, mobile banking applications, banking cards, etc. preferred
Cash handling experience preferred

Job Expectations

Operate customary equipment and technology used in a business environment, with or without accommodation.

Note: This description is not an exhaustive list of all job functions, duties, skills, and job standards required. Other job functions, duties, skills, and standards may be added. Management reserves the right to add or change the job requirements at any time.

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EEO Statement

Bank OZK is an equal opportunity employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, disability status, protected veteran status, or any other characteristic protected by federal, state, and local law. Member FDIC.

About the company

Bank OZK is a regional bank specializing in commercial real estate construction financing for institutional developers in major U.S. markets. It funds large CRE projects through its Real Estate Specialties Group using a strong retail deposit base and senior-secured loans with low leverage. It differentiates itself with disciplined underwriting, deep asset expertise, and a two-part model that includes Corporate and Institutional Banking (sponsor, equipment, and fund finance) supported by an in-house capital markets desk and treasury management. Its goal is to maintain leadership in high-barrier urban projects while staying resilient across economic cycles by expanding services and deepening institutional relationships.

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

Little Rock, Arkansas

Founded

1903

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Simplify's Take

What believers are saying

Southern Land closed a $165.9 million OZK loan for 2811 Kirby on 2026-08-11.
The board authorized a $200 million buyback on 2026-06-29 and raised dividends.
RESG originated about $38.75 billion over five years ended 2026-06-30, proving scale.

What critics are saying

Bank OZK took 1050 Brickworks on 2026-06-30, exposing empty-office losses in Atlanta.
Q2 2026 net income fell 8.7%; CRE stress already compresses earnings.
Houston office vacancy hit 25% in 2026, threatening 2811 Kirby and similar loans.

What makes Bank OZK unique

Bank OZK still dominates senior CRE construction lending through RESG, funding complex projects.
George Gleason’s underwriting discipline delivered a 4.24% net interest margin on 2026-06-30.
The bank expands CIB with equipment financing, as Empire Asset Finance chose OZK.

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Benefits

Health Insurance
Dental Insurance
Vision Insurance
Pet Insurance
401(k) Company Match
Paid Vacation

Company News

Yahoo Finance

Oct 21st, 2026

Bank OZK diversifies from CRE as new commercial unit hits $8.63B in loans

Bank OZK, the Arkansas lender known for commercial real estate (CRE) loans, made progress diversifying in the third quarter. Its Corporate and Institutional Banking division ended the period with $8.63 billion of loans, up nearly $1.4 billion from June 30, after adding 65 new client relationships. Net income fell 9% from a year earlier to $164.3 million, while loans grew 3.9%. Earnings per share of $1.50 beat the consensus estimate of $1.44. CRE repayments of $1.65 billion outpaced originations of $1.55 billion. Chief executive officer George Gleason expects elevated repayments through 2027 and a return to CRE loan growth in 2028. Shares closed up more than 4% at $48.09.

Daily Political

Oct 21st, 2026

What Bank OZK (OZK) said on its Q3 earnings call.

What Bank OZK (OZK) said on its Q3 earnings call. Posted by Jeff Wilder on Oct 21st, 2026 Bank OZK (NASDAQ:OZK) outlined plans for stronger loan growth in 2027 while acknowledging that elevated repayments in its Real Estate Specialties Group, or RESG, portfolio are expected to pressure loan balances in the fourth quarter of 2026. During the company's third-quarter conference call, Chairman and CEO George Gleason said third-quarter loan growth was driven primarily by Corporate and Institutional Banking, or CIB, with additional contributions from indirect RV and marine lending and community banking. However, several anticipated RESG repayments shifted from the third quarter into the fourth quarter. In the first 19 days of October, Bank OZK had already recorded roughly $690 million of RESG payoffs and paydowns, Gleason said. The company expects near-record, and potentially record, RESG repayments during the fourth quarter. As a result, the bank expects a modest retracement in loan balances during the quarter and maintained full-year loan growth guidance of 3% to 5%. Loan growth expected to accelerate in 2027. Looking ahead, Gleason said Bank OZK expects loan growth of 10% to 12% in 2027, supported by opportunities across its business lines. He said the projected growth outlook reflects both continued momentum in CIB, indirect lending and community banking, as well as the timing of repayments that may occur earlier than initially expected. "We have a pretty good line of sight into opportunities that all of our business lines are working on," Gleason said, while noting that prospective loans are not final until they close and are booked. The bank expects loan growth to accelerate further in 2028 as the current wave of RESG repayments subsides. Gleason said RESG balances, which have been declining due to high payoff activity, could reach an inflection point and begin contributing to growth in 2028. Bank OZK also launched a Powersports lending business on Oct. 1, expanding its indirect lending platform beyond RV and marine financing. Gleason said the new business can use some of the same dealer relationships while reaching a customer base that differs from its existing RV and marine borrowers. Diversification remains a core strategy. Management emphasized that reducing concentration in commercial real estate remains a central strategic priority. Gleason said RESG represented about 70% of loans several years ago but has since fallen below 50% and continues to decline. CIB is expected to exceed RESG in outstanding balances at some point in 2027. Gleason said CIB's expansion does not simply replace one concentration with another because the business spans multiple loan types, geographies, industries and customers. The company said its CIB customer base includes borrowers across 44 different three-digit North American Industry Classification System codes. Jake Munn, president of Corporate and Institutional Banking, said CIB now has nine major business lines and that recent loan growth was supported by more than 65 new relationships and more than 18 material loan upsizes. He said the portfolio had no past-due loans and no trailing net charge-offs at the end of the quarter. Management said it remains focused on high-prime and super-prime borrowers in indirect lending, while community banking is pursuing more small-business and consumer relationships. Gleason said indirect lending has historically represented roughly 12% to 13% of loans and could rise a few percentage points above the company's prior 10% to 15% target range following the Powersports launch. Deposit mix, fee income and efficiency. Bank OZK said it is investing in treasury management capabilities, technology and personnel to deepen relationships with CIB and community banking clients and generate more low-cost and non-interest-bearing deposits. Munn said CIB deposits increased more than 20% quarter over quarter. He added that the bank is seeking to expand fee-generating services including commodity hedging, interest-rate hedging, capital markets offerings, private wealth and treasury management. Gleason said the company has made more progress diversifying its loan portfolio than it has improving its deposit mix, but he expects more visible gains in deposits and fee income through 2027 and 2028. The company expects fourth-quarter non-interest income to set another record, excluding periods that included bargain-purchase gains from acquisitions, and projected high-single-digit growth in non-interest income in 2027 compared with 2026. Management also said it is seeking to preserve its historically low efficiency ratio despite continued investments in customer-facing businesses and technology. Gleason said Bank OZK has reduced its total headcount by 94 employees over the past two quarters while adding personnel in targeted growth areas. "That is not a result of getting out of any businesses," Gleason said. "That is just a fact that we've looked at a lot of these things we built over the last decade and realized... we can re-engineer those units and be much more effective." Credit outlook and Real Estate assets. The company said it is encouraged by leasing, refinancing and sales activity across its commercial real estate portfolio. President Brannon Hamblen cited continued leasing in multifamily, industrial, office and life-science properties, as well as liquidity in debt markets that has supported loan repayments. Management said net charge-offs are likely to remain elevated in 2026 and 2027 but should show improvement during 2027. Chief Financial Officer Tim Hicks said lower special-mention balances and the company's lowest quarterly net charge-off ratio of the year were positive developments, though future provisioning will also depend on loan growth and macroeconomic conditions. Bank OZK reported approximately $420 million in foreclosed assets, consisting principally of seven properties. Gleason said the bank has active prospective buyers for all but one of the assets. For an Atlanta property, management is prioritizing leasing rather than a sale, citing potential upside from a patient approach. The company also addressed the RaDD project in San Diego, where the mezzanine lender and equity sponsor contributed a combined $100 million of additional capital. Gleason said the additional investment and negotiations over potential future capital contributions demonstrate the sponsors' commitment to the project. Hamblen said the property's leasing strategy has expanded beyond local life-science and office users to include potential tenants in clinical research, pharmaceutical, technology, artificial intelligence and defense industries. On capital deployment, Hicks said organic growth remains the bank's first priority, while its capital levels also provide flexibility for share repurchases and continued dividend increases. Bank OZK has increased its dividend for 65 consecutive quarters, he said, and has repurchased nearly $1 billion of shares over the past five years. About Bank OZK (NASDAQ:OZK). Bank OZK (NASDAQ:OZK) is a regional financial institution headquartered in Little Rock, Arkansas. The company provides banking services to individuals, businesses and institutions, including deposit accounts, commercial and consumer loans, mortgage lending, treasury management and online and mobile banking. Bank OZK also operates specialized lending businesses, including its Real Estate Specialties Group, which provides financing for commercial real estate development and other complex real estate projects.

Yahoo Finance

Oct 20th, 2026

Bank OZK beats forecasts with $168.4M third-quarter profit, or $1.50 per share

Bank OZK reported third-quarter net income of $168.4 million on Tuesday, or $1.50 per share. The Little Rock, Arkansas, bank beat Wall Street expectations. Seven analysts surveyed by Zacks Investment Research had expected earnings of $1.45 per share. The bank posted revenue of $694.4 million. Revenue net of interest expense was $439.2 million, ahead of the $432 million that five analysts expected.

Realty News Report

Aug 28th, 2026

Upper Kirby project gets $166M in financing.

Upper Kirby project gets $166M in financing. HOUSTON - (Realty News Report) - Nashville-based Southern Land Co. has secured a $165.9 million senior construction loan for 2811 Kirby, a mixed-use development going up on nearly two acres in Upper Kirby. The loan was provided by Bank OZK. 2811 Kirby, which broke ground earlier this year, will offer 331 apartments, including 18 penthouses, in a 38-story tower called Lily River Oaks. A separate 10-story commercial tower will have 107,000 SF of Class AA office space. The seventh floor spanning both towers will have a spa, fitness center, and garden deck for use by residential and office tenants. Stream Realty Partners is handling office leasing. "We are pleased to reach this important milestone as construction gets underway on our first development in Houston," said Tim Downey, founder and CEO of Southern Land Co. "Securing this financing from Bank OZK reflects the strength of the project and our confidence in the opportunity to create something truly special in Upper Kirby. 2811 Kirby is designed to be a landmark destination where people can live, work, dine and gather, while complementing the character and energy of one of Houston's most distinguished neighborhoods." Located just south of Westheimer, 2811 Kirby is near the River Oaks neighborhood, about four miles from downtown Houston. The 953,000-SF development will have 15,000 SF of restaurant and retail space and structured parking. "Tenants today are prioritizing quality, experience, and location, and 2811 Kirby checks all three boxes," said Dustin Downey, Chief Investment Officer, Southern Land Co. "We're already seeing strong interest from groups looking to relocate to Upper Kirby, and this project will offer a level of design, connectivity, and Class AA office space that doesn't currently exist in the Houston market." Houston's overall office vacancy rate is 25%, according to Cushman & Wakefield. Leasing has been strong in newer buildings, where the supply of available space is more limited. 2811 Kirby is one of only two for-lease office buildings currently under construction in the Houston area, along with the 118,500-SF Autry Park nearby. As companies seek offices with the best amenities and locations, as many as a dozen new buildings could break ground in Houston in the next few years, according to top leasing experts. The 2811 Kirby project team includes Solomon Cordwell Buenz (SCB) as architect and interior designer, Kimley-Horn for civil engineering, DeSimone Consulting Engineering, and Andres Construction, the general contractor. Southern Land Co. is handling landscape architecture. Southern Land Co. has developed single-family and multifamily properties in Texas since 2006. Current projects include Tucker Hill, a single-family community in McKinney; Lunaroya, a 66-lot, single-family community in Dripping Springs; and Deco, a 27-story luxury mixed-use community in Downtown Fort Worth. The company recently appointed Tony Marchbanks as National President, Homebuilding. Based in the firm's Plano office, Marchbanks previously served President and Chief Operating Officer of Highland Homes. He launched Highland Homes' Houston market from the ground up, growing it to 1,000 homes annually, and later led statewide operations producing more than 4,000 luxury homes each year. Southern Land Co. has $8 billion worth of projects in the pipeline in Tennessee, New York, California, Texas, Colorado, Pennsylvania, North Carolina, South Carolina, and Nevada. Feature image: Construction is underway at 2811 Kirby. Realty News Report photo Copyright 2026 Mark Your Calendar: CommGate will host its Economic Outlook -Wednesday, Sept. 23 from 3 to 6 p.m. at the Houston Country Club. Economist Ted C. Jones, PhD, will present an economic forecast examining trends that will shape the real estate market in the coming year. Following the presentation, connect at a networking social with beverages and hors d'oeuvres. Free for members of CommGate, CCIM, and SIOR. Non-members $50. Link to Registration

University of Arkansas at Little Rock

Aug 19th, 2026

UA Little Rock School of Business to honor Brandon, Pierce as Distinguished Alumni.

UA Little Rock School of Business to honor Brandon, Pierce as Distinguished Alumni. UA Little Rock August 19, 2026 From launching Arkansas's first legal distillery since Prohibition to helping families and businesses build long-term wealth, two UA Little Rock graduates will be recognized this fall for careers that have shaped business across Arkansas. The University of Arkansas at Little Rock School of Business will honor Phil Brandon, founder and CEO of Rock Town Distillery, with the Distinguished Alumnus Award and Ryder Pierce, executive vice president and investment manager at Bank OZK, with the Dean's Award for Excellence during the 2026 School of Business Distinguished Alumni Luncheon on Friday, Oct. 9, at the Statehouse Convention Center. The awards ceremony will be held from 11:30 a.m. to 1 p.m. in the Wally Allen Ballroom D. The luncheon celebrates graduates whose professional accomplishments, leadership, and service reflect the values of the UA Little Rock School of Business. Dr. Mark Funk, director of the UA Little Rock School of Business, said Brandon and Pierce reflect the qualities the school strives to instill in its graduates. "One of the greatest measures of a business school is the success of its graduates, and Phil Brandon and Ryder Pierce have built careers defined by leadership, integrity, and service," Funk said. "They represent different generations and industries, but both have made a meaningful impact through their work and have remained connected to the university. We are proud to recognize their accomplishments and the example they set for our students." The Distinguished Alumnus Award is the School of Business's highest honor, presented to a graduate who has made significant contributions to business while serving the Little Rock community and UA Little Rock. After earning his MBA (Master of Business Administration) from UA Little Rock, Brandon founded Rock Town Distillery in 2010, and under his leadership, Rock Town has grown into an internationally recognized, award-winning craft distillery whose bourbons, vodkas, gins, and other spirits have earned numerous national and international honors. Before launching Rock Town, Brandon spent more than two decades in the telecommunications industry. He has also supported economic development and the arts through leadership roles with organizations including the Downtown Little Rock Partnership and the Arkansas Symphony Orchestra. The Dean's Award for Excellence recognizes a graduate from the past decade who has demonstrated exceptional promise as a business leader while remaining engaged with the university and community. A graduate of UA Little Rock with bachelor's degrees in economics and finance, Pierce serves as executive vice president and trust investment officer at Bank OZK, where he works with clients on investment and wealth management strategies. He is also a CFA charterholder - a globally recognized financial expert who has earned the Chartered Financial Analyst credential - and is working toward an Executive MBA from Vanderbilt University. Prior to joining Bank OZK, Pierce held leadership positions in wealth management and investment strategy before returning to Arkansas. A former Trojan cross country and track student-athlete, he has remained connected to UA Little Rock while building a reputation as one of Arkansas's emerging business leaders. For tickets and sponsorship opportunities, contact Ginger Daril at 501-916-6437 or [email protected]. View more stories in Featured

Bank OZK

Client Service Specialist - Teller

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