• Bank OZK discussed 1Q 2026 results on April 22 with Chairman and CEO George Gleason, President Brannon Hamblen, COO Cindy Wolfe, CFO Tim Hicks, President of Corporate and Institutional Banking Jake Munn, and Managing Director of Investor Relations and Corporate Development Jay Staley.
• Management positioned Corporate and Institutional Banking as primary growth engine into 2027, citing diversified vertical buildout and a 14%-15% pull-through rate that implies passing on 80%-85% of deals.
• Munn flagged spread and structure compression in asset-based lending, fund finance, and lender finance, prompting shifts toward other lines while keeping CIB predominantly variable-rate outside equipment finance.
• Hicks said bank used excess liquidity to add investments, with about 40% in muni housing bonds at roughly 6% tax-equivalent yield and 60% in agency mortgage-backed securities around 4.6% or better.
• Gleason said 4.2% net interest margin remains strong versus peers, while credit issues stay concentrated in land, office, and life science; five RESG loans drive most past-due and nonaccrual balances with some resolutions expected this quarter or next.

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