Compared with Arkansas
9 of 17
compared fees are above the median.
4 below, 4 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
18th percentile; peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the Arkansas median
of 17 compared; 4 below, 4 about the same
See the feesFee schedule read Oct 7, 2026
Call-report figures are for Bank OZK at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 95 banks with $10B to $50B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Arkansas median | Published fees above the Arkansas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Bank OZK's published fee schedule; Bank Fee Index medians | Current schedule | Oct 7, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.4% of revenue, below the 2.9% median of 95 banks with $10B to $50B in assets (18th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $6.1M in Q2 2026, 3.6% above the same quarter a year earlier ($5.9M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
9 of 17 compared published fees sit above the Arkansas median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Arkansas medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Freedom Advantage Checking $5 · Checking Account Perks $7 · OZKInterest+ Checking $12
Compared at $7, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Arkansas, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 1.9% from Q3 2025 to Q2 2026, to $6.1M. Its share of revenue, 1.4%, is below the 2.9% median for banks with $10B to $50B in assets.
$6.1M
Bank OZKMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 95 banks with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $12; we compare the midpoint.
Bank OZK · $41.7B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Bank OZK(this institution) | Little Rock, AR | $41.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Associated Bank, National Association | Green Bay, WI | $51.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Atlantic Union Bank | Richmond City, VA | $38B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Axos Bank | San Diego, CA | $28.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Banc of California | Los Angeles, CA | $34.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of China | New York, NY | $48.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| BankUnited, National Association | Miami Lakes, FL | $34.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Barclays Bank Delaware | Wilmington, DE | $43.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| BOKF, National Association | Tulsa, OK | $53B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| City National Bank of Florida | Miami, FL | $29.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Commerce Bank | Kansas City, MO | $35B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Eastern Bank | Boston, MA | $31.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| EverBank, National Association | Jacksonville, FL | $46.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank of Omaha | Omaha, NE | $34.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| First National Bank of Pennsylvania | Greenville, PA | $50.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Frost Bank | San Antonio, TX | $54B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fulton Bank, National Association | Lancaster, PA | $32.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Glacier Bank | Kalispell, MT | $31.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hancock Whitney Bank | Gulfport, MS | $36.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| MidFirst Bank | Oklahoma City, OK | $42.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Prosperity Bank | El Campo, TX | $43.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Raymond James Bank | Saint Petersburg, FL | $45.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| TD Bank USA, National Association | Wilmington, DE | $32.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Capital Bank | Dallas, TX | $33.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Bank | Fairfax, VA | $33.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Community Bank | Greenville, SC | $29B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7, the middle of its three prices, against a peer median of $10 among 17 publishing peers.
Its three checking prices are $5, $7 and $12.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Bank OZK (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $6.1M | −$15K | −0.2% |
| Q1 2026 | $6.2M | −$72K | −1.2% |
| Q4 2025 | $6.2M | −$35K | −0.6% |
| Q3 2025 | $6.3M | +$334K | +5.6% |
| Q2 2025 | $5.9M | +$173K | +3.0% |
| Q1 2025 | $5.8M | −$178K | −3.0% |
| Q4 2024 | $5.9M | −$127K | −2.1% |
| Q3 2024 | $6.1M | +$204K | +3.5% |
Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 95 reported a share above 0% and are counted, Bank OZK left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Bank OZK by share.
Amounts from Bank OZK’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per hour
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service fee | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fees – TX: non-applicable; GA | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing Assistance (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper statement fee | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Undeliverable Mail Fee (per account/per occurrence) | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| Foreign ATM Transaction Fee | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Extra/Replacement Check Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited Check Card Delivery | $65Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| International Service Assessment (Regardless of currency conversion) (audience not stated, treated as personal) | 3% | Not stated | None |
Wire Transfers | |||
| Outgoing Online Wire (Domestic) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Wire (Domestic) | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing Online Wire (International) | $40Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Outgoing Wire (International) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Fee | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Collection Fee | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Foreign Currency Buy Back Collection Fee (amounts and up) | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| Consumer & Business Bill Pay - Rush/Overnight Check Delivery | $14.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Consumer & Business Bill Pay - Rush/Same Day Electronic Delivery | $9.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Consumer Bill Pay - Regular Delivery | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Garnishment/Levies | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Overnight Courier Fee (Collections Exceeding $5,000) | $20Inside the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Account Activity Printout/Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 7, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Bank OZK operates, and what regulators and customers have on file.
Branch footprint
256 offices in 6 states, $34.0B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| 26 | $8.4B | |
| 44 | $5.7B | |
| Outside a metro area | 39 | $3.3B |
| 20 | $2.8B | |
| 16 | $2.2B | |
| 9 | $954.5M | |
| 7 | $948.7M | |
| 13 | $940.3M |
Little Rock-North Little Rock-Conway, AR
22.8% of bank deposits, #1 of 42, up 5.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bank of America, National Association | 14.1% |
| Simmons Bank | 11.1% |
| Centennial Bank | 7.7% |
| First Security Bank | 7.5% |
| Arvest Bank | 6.7% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Little Rock-North Little Rock-Conway, AR, Bank OZK holds 22.8% of bank deposits, #1 of 42, with 26 offices.
The fee comparison uses its home metro, Atlanta-Sandy Springs-Roswell, GA.
352 offices of 70 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 42 institutions shown. $36.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 22.8% share, 26 offices, #1 of 42
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
67 offices of 29 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
54 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 24 |
| Trouble during payment process | 6 |
| Closing an account | 6 |
| Problem with a lender or other company charging your account | 4 |
| Opening an account | 4 |
| Repossession | 3 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Fee change alerts
We check once a day and send one email covering every change.