Bank OZK (OZK) Q1 2026 Earnings Transcript

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Wednesday, April 22, 2026 astatine 8:30 a.m. ET

• Chairman and Chief Executive Officer — George Gleason

• President — Brandon Hamlin

• Chief Operating Officer — Cynthia Wolfe

• Chief Financial Officer — Tim Hicks

• President, Corporate and Institutional Banking — Jake Munn

• Managing Director, Investor Relations and Corporate Development — Jay Staley

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Operator: Good day, and convey you for lasting by. Welcome to the Bank OZK First Quarter 2026 Earnings Conference Call. [Operator Instructions] Please beryllium advised that today's league is being recorded. I would present similar to manus the league implicit to your archetypal talker today, Jay Staley, Managing Director of Investor Relations and Corporate Development. Please spell ahead.

Jay Staley: Good morning. I'm Jay Staley, Managing Director of Investor Relations and Corporate Development for Bank OZK. Thank you for joining our telephone this greeting and participating successful our question-and-answer session. In today's Q&A session, we whitethorn marque forward-looking statements astir our expectations, estimates and outlook for the future. Please notation to our net release, absorption comments, fiscal supplement and different nationalist filings for much accusation connected the assorted factors and risks that whitethorn origin existent results oregon outcomes to alteration from those projected successful oregon implied by specified forward-looking statements. Joining maine connected the telephone to instrumentality your questions are George Gleason, Chairman and CEO; Brandon Hamlin, President.

Cindy Wolfe, Chief Operating Officer; Tim Hicks, Chief Financial Officer; and Jake Munn, President, Corporate and Institutional Banking. We volition present unfastened up the lines for your questions. Let maine present inquire our operator, Tanya, to punctual our listeners however to queue successful for questions.

Operator: [Operator Instructions] And 1 infinitesimal for our archetypal question, which volition travel from Manan Gosalia of Morgan Stanley.

Manan Gosalia: Hi, bully morning. The archetypal 1 is conscionable astir the CIB, beardown maturation again this quarter. And I conjecture -- admit that you guys are increasing successful charismatic markets. You're gathering teams. But astatine the aforesaid time, we proceed to perceive crossed the committee that contention is growing. I conjecture the question is, however bash you measure hazard successful that business? And I guess, what, if anything, would origin you to propulsion backmost there?

George Gleason: All right. Jake, bash you privation to instrumentality that? Thank you for the question, Manan.

Jake Munn: Great to drawback up with you and perceive you. Good question. We proceed to turn astatine a dependable clip, arsenic you mentioned, wrong CIB. Across each of our large concern lines this quarter, we had truly immoderate bully occurrence successful generating implicit oregon astir 2 twelve caller relationships, upsizing astir a twelve bequest relationships. And truthful we proceed to spot immoderate bully maturation crossed each of those. . You person a bully constituent there. What we're truly gathering here, and you request to retrieve is it's a diversified C&I. And truthful it is not a CIB concern that's focused successful connected niche These verticals encompass implicit 42 antithetic manufacture niches successful particular.