Financial Performance - Bank OZK's net income available to common stockholders for 3M25 was $167.9 million, a decrease of 2.1% from 3M24 [12] - Net interest income for 3M25 was $374.5 million, a decrease of 0.6% from 3M24 [12] - The net interest margin for 3M25 was 4.31%, a decrease of 40 bps from 3M24 [7, 29] - The efficiency ratio for 3M25 was 35.6% [7, 12] - Return on average assets for 3M25 was 1.77% [7, 12] - Return on average tangible common equity for 3M25 was 14.25% [7] Balance Sheet - Total assets were $39.2 billion as of March 31, 2025 [7] - Total loans outstanding were a record $31.11 billion as of March 31, 2025, an increase of $1.14 billion, or 3.8% (not annualized), from December 31, 2024 [7, 12, 16] - Total deposits were a record $31.93 billion as of March 31, 2025, an increase of $0.88 billion, or 2.8% (not annualized), from December 31, 2024 [7, 12, 25] - The bank's investment securities were $2.97 billion as of March 31, 2025, an increase of $0.13 billion, or 4.7% (not annualized), from December 31, 2024 [22] Asset Quality and Capital - The annualized net charge-off ratio for 3M25 was 0.25% [7, 12] - The allowance for credit losses (ACL) increased to $639 million, or 1.28% of loans and unfunded loan commitments as of March 31, 2025 [12, 92]