ML_01Bank

Bank OZK

Market Lens — bank market footprint analysis from FDIC Summary of Deposits (June 2025), Census PEP, BEA and BLS QCEW.

COMPLETEAR63 marketsMethodology

ML_07AI executive summary

AI brief

A $33.5bn book; 41.0% of deposits sit in high-growth markets; the largest market is 28.5% of the book; 0 high-growth markets are losing share.

Generated 22 Aug 2026, 03:35 UTC · drafted over all 63 markets · 6 citations, every one resolved against the computed rows

ML_02Book

Book: $33.5bn
In high-growth markets
Largest position
Top 5: 61% of book

Deposits are this bank’s pro forma SOD book in each market, not market size.

ML_03Footprint map

Where the deposits are

Every market the bank books deposits in, shaded by the column the table is sorted by. Drag to pan, scroll or use the controls to zoom; the arrow keys move between markets.

Footprint map

Each shaded region is a market, not a state — CBSAs cross state lines, and rural markets are single counties drawn on top of the metro layer.

Shading: Bank deposits (current) (US dollars) · sequential ramp · 63 markets in view

Highest$455.1m to $9.6bn13 markets
Band 4$247.3m to <$455.1m12 markets
Band 3$147.5m to <$247.3m13 markets
Band 2$43.9m to <$147.5m12 markets
Lowest$0k to <$43.9m13 markets
No datano value for this measure0 markets
Hatchedlimited-service offices in the market12 markets

Sequential ramp on slate with alpha, five quantile bins — this measure carries no direction.

Bank OZK (cert 110) · 63 markets · unfiltered · as of 22 Aug 2026, 03:35 UTC

Loading county geometry…

Click a market to open it. Scroll or pinch to zoom, drag to pan, double-click to zoom in, and the buttons in the corner do the same from the keyboard — Fit returns to the whole footprint. The map itself is one tab stop: Tab moves into it, the arrow keys move between neighbouring markets, Home and End jump to the first and last, Enter or Space selects, and Escape clears the selection.

ML_07AAI strengths & watch items

Strength

Little Rock-North Little Rock-Conway, AR is a growth market where the franchise is already established (Established - Mature).

Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.

Strength

Atlanta-Sandy Springs-Roswell, GA is a growth market where the franchise is already established (Expanding).

Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.

Strength

Tampa-St. Petersburg-Clearwater, FL is a growth market where the franchise is already established (Established - Mature).

Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.

Watch

Hot Springs, AR scores below the national distribution on the growth composite.

A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.

Watch

Dalton, GA scores below the national distribution on the growth composite.

A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.

Watch

Rome, GA scores below the national distribution on the growth composite.

A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.

3 strengths · 3 watch items · 6 cited figures. Hover a figure to raise its row on the map and in the ranking table; select it to open that market in full.

ML_07BCaveats

Strategic question

Where would the next branch buy the most incremental share, given where the franchise is already entrenched?

Caveatsfrom the run’s own data flags

Deposit shares are Summary of Deposits book values as of the June survey date and follow the booking office, not the customer.
Markets flagged in data_flags carry a stated caveat in the row.

Claims dropped

0 claims dropped — every claim on screen resolved against the computed rows. The 6 figures above are the ones that survived that check.

Machine-generated from the computed figures shown above. Every number is calculated in Python and cited; the model interprets and never calculates. It is interpretation, not a statement about the institution’s condition or management.

GrowthShare

SizeStage

Showing 63 of 63 markets · sorted by Bank deposits (current), highest first · 40 columns hidden

Rows are comfortable — the density toggle sits on the table, with the export controls.

ML_04Ranked markets

Every market, ranked

Sorted client-side from the complete row set. Sort, filter, density and the selected market all live in the URL, so a shared link reopens exactly this view.

63 markets shown · sorted by Bank deposits (current) high to low · 40 columns hidden

CSV carries the sort, the visible columns and the filtered row set exactly as shown, plus a provenance header. XLSX and PowerPoint are the logged N6 waiver (P1-05).

Markets ranked by Bank deposits (current), highest first. 63 markets. The last row is a total over the markets shown.
													Row actionDetail
Little Rock-North Little Rock-Conway, AR	30780	AR	Secondary Metro	Medium	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 25 branches (-2 5yr); entered 1999	$367.8m	15.9%	$9.6bn	—	—	+0.24
Atlanta-Sandy Springs-Roswell, GA	12060	GA	Major Metro	Medium	Expanding	Expanding; share n/a (n/a bps 5yr); 42 branches (+2 5yr); entered 2017	$124.9m	9.4%	$5.5bn	—	—	+0.19
Dallas-Fort Worth-Arlington, TX	19100	TX	Major Metro	High	Expanding	Expanding; share n/a (n/a bps 5yr); 15 branches (+2 5yr); entered 2017	$130.5m	7.8%	$2.6bn	—	—	+0.87
Tampa-St. Petersburg-Clearwater, FL	45300	FL	Major Metro	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 16 branches (-1 5yr); entered 2017	$131.2m	8.1%	$2.0bn	—	—	+1.06
Charlotte-Concord-Gastonia, NC-SC	16740	NC	Major Metro	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 9 branches (+0 5yr); entered 2017	$102.3m	15.8%	$920.6m	—	—	+1.09
North Port-Bradenton-Sarasota, FL	35840	FL	Secondary Metro	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 7 branches (-1 5yr); entered 2017	$130.2m	16.1%	$911.7m	—	—	+1.72
Miami-Fort Lauderdale-West Palm Beach, FL	33100	FL	Major Metro	High	Expanding	Expanding; share n/a (n/a bps 5yr); 7 branches (+2 5yr); entered 2017; CAUTION: $0.3bn booked IN to offices here between the 2020 and 2025 surveys (office-level book relocation, see methodology 8.6) -- check whether the move was intra-market (share unaffected) or cross-market (share delta is partly a booking change, not an operating result) before reading this label	$123.0m	12.0%	$861.1m	—	—	+0.47
Fayetteville-Springdale-Rogers, AR	22220	AR	Secondary Metro	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 13 branches (+0 5yr); entered 2017	$64.1m	12.0%	$833.6m	—	—	+1.92
Cape Coral-Fort Myers, FL	15980	FL	Secondary Metro	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 6 branches (+0 5yr); entered 2017	$106.9m	23.9%	$641.2m	—	—	+1.39
Hot Springs, AR	26300	AR	Small Metro	Medium	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 7 branches (+0 5yr); entered 2017	$81.0m	6.4%	$566.9m	—	—	-0.26
Shelby-Kings Mountain, NC	43140	NC	Micropolitan	Medium	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 7 branches (+0 5yr); entered 2017	$73.3m	5.4%	$512.8m	—	—	+0.30
Punta Gorda, FL	39460	FL	Small Metro	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 3 branches (+0 5yr); entered 2017	$154.9m	32.5%	$464.7m	—	—	+2.30
Nashville-Davidson--Murfreesboro--Franklin, TN	34980	TN	Major Metro	High	New Entrant	New Entrant; share n/a (n/a bps 5yr); 1 branches (+1 5yr); entered 2025	$230.9m	——	$461.9m	—	—	+1.32
Houston-Pasadena-The Woodlands, TX	26420	TX	Major Metro	High	Expanding	Expanding; share n/a (n/a bps 5yr); 7 branches (+3 5yr); entered 2017; CAUTION: $0.1bn booked OUT of offices here between the 2020 and 2025 surveys (office-level book relocation, see methodology 8.6) -- check whether the move was intra-market (share unaffected) or cross-market (share delta is partly a booking change, not an operating result) before reading this label	$55.6m	3.7%	$444.9m	—	—	+0.73
Winston-Salem, NC	49180	NC	Secondary Metro	Medium	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 4 branches (+0 5yr); entered 2017	$101.0m	14.7%	$404.1m	—	—	+0.23
Dalton, GA	19140	GA	Small Metro	Medium	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 2 branches (+0 5yr); entered 2017	$201.1m	8.2%	$402.2m	—	—	-0.12
Austin-Round Rock-San Marcos, TX	12420	TX	Major Metro	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 4 branches (+1 5yr); entered 2017	$63.6m	3.5%	$381.9m	—	—	+1.82
Ocala, FL	36100	FL	Secondary Metro	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 2017	$375.5m	10.8%	$375.5m	—	—	+2.19
Rome, GA	40660	GA	Small Metro	Medium	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 2017	$363.4m	26.3%	$363.4m	—	—	-0.09
Fort Smith, AR-OK	22900	AR	Small Metro	Low	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 7 branches (+0 5yr); entered 1999	$56.9m	5.1%	$341.5m	—	—	-0.38
Gilmer County, Georgia	13123	GA	Rural	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 2 branches (+0 5yr); entered 2017	$167.3m	10.9%	$334.7m	—	—	+1.21
Union County, Georgia	13291	GA	Rural	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 2017	$306.4m	16.3%	$306.4m	—	—	+1.24
Jacksonville, FL	27260	FL	Major Metro	High	Expanding	Expanding; share n/a (n/a bps 5yr); 3 branches (+2 5yr); entered 2017; CAUTION: $0.1bn booked OUT of offices here between the 2020 and 2025 surveys (office-level book relocation, see methodology 8.6) -- check whether the move was intra-market (share unaffected) or cross-market (share delta is partly a booking change, not an operating result) before reading this label	$76.6m	18.4%	$306.2m	—	—	+1.33
Fannin County, Georgia	13111	GA	Rural	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 2017	$272.2m	12.0%	$272.2m	—	—	+0.94
Macon-Bibb County, GA	31420	GA	Small Metro	Low	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 3 branches (+0 5yr); entered 2017	$89.0m	11.9%	$267.0m	—	—	-0.39
Valdosta, GA	46660	GA	Small Metro	Medium	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 4 branches (+0 5yr); entered 2017	$60.6m	7.4%	$242.4m	—	—	-0.27
Athens-Clarke County, GA	12020	GA	Small Metro	Medium	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 2 branches (+0 5yr); entered 2017	$118.3m	16.8%	$236.6m	—	—	+0.33
Cornelia, GA	18460	GA	Micropolitan	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 2017	$207.1m	14.2%	$207.1m	—	—	+0.57
Texarkana, TX-AR	45500	AR\|TX	Small Metro	Medium	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 2 branches (-1 5yr); entered 2017	$92.3m	6.8%	$184.7m	—	—	-0.28
Savannah, GA	42340	GA	Secondary Metro	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 2017	$173.0m	11.7%	$173.0m	—	—	+0.84
Gainesville, GA	23580	GA	Small Metro	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 2017	$172.6m	47.4%	$172.6m	—	—	+1.26
Franklin County, Arkansas	05047	AR	Rural	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 4 branches (+0 5yr); entered 1999; CAUTION: $0.1bn booked OUT of offices here between the 2020 and 2025 surveys (office-level book relocation, see methodology 8.6) -- check whether the move was intra-market (share unaffected) or cross-market (share delta is partly a booking change, not an operating result) before reading this label	$42.9m	1.6%	$171.6m	—	—	+0.72
Brunswick-St. Simons, GA	15260	GA	Small Metro	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 2 branches (+0 5yr); entered 2017	$83.6m	13.5%	$167.2m	—	—	+0.78
Mountain Home, AR	34260	AR	Micropolitan	Medium	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 2 branches (+0 5yr); entered 2017	$83.2m	21.4%	$166.4m	—	—	+0.32
San Antonio-New Braunfels, TX	41700	TX	Major Metro	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 2017	$79.4m	5.8%	$158.8m	—	—	+0.95
Wilmington, NC	48900	NC	Secondary Metro	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 2017	$79.3m	6.3%	$158.7m	—	—	+2.30
Harrison, AR	25460	AR	Micropolitan	Medium	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 4 branches (+0 5yr); entered 1994	$38.1m	1.9%	$152.5m	—	—	+0.25
Russellville, AR	40780	AR	Micropolitan	Medium	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 2 branches (-1 5yr); entered 2017	$74.1m	7.9%	$148.1m	—	—	-0.01
Jefferson, GA	27600	GA	Micropolitan	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 2017	$145.0m	20.4%	$145.0m	—	—	+4.09
Arkadelphia, AR	11660	AR	Micropolitan	Low	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 2 branches (+0 5yr); entered 2017	$62.5m	1.2%	$124.9m	—	—	-1.03
Bainbridge, GA	12460	GA	Micropolitan	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 2017	$116.3m	6.2%	$116.3m	—	—	+0.57
Forest City, NC	22580	NC	Micropolitan	Medium	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 2017	$101.2m	19.5%	$101.2m	—	—	+0.12
Columbus, GA-AL	17980	GA	Secondary Metro	Low	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 2017	$99.4m	11.7%	$99.4m	—	—	-0.54
Greensboro-High Point, NC	24660	NC	Secondary Metro	Medium	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 2017	$81.3m	6.2%	$81.3m	—	—	+0.21
Calhoun, GA	15660	GA	Micropolitan	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 2017	$81.1m	31.0%	$81.1m	—	—	+0.76
Malvern, AR	31680	AR	Micropolitan	Medium	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 2 branches (+0 5yr); entered 2017	$37.4m	5.5%	$74.9m	—	—	+0.27
Thomasville, GA	45620	GA	Micropolitan	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 2017	$55.0m	21.3%	$55.0m	—	—	+0.36
Johnson County, Arkansas	05071	AR	Rural	Medium	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 1999	$54.9m	1.6%	$54.9m	—	—	-0.19
Van Buren County, Arkansas	05141	AR	Rural	Medium	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 2017	$52.2m	9.0%	$52.2m	—	—	+0.20
Hempstead County, Arkansas	05057	AR	Rural	Low	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 2 branches (+0 5yr); entered 2017	$47.6m	-2.0%	$47.6m	—	—	-0.40
Searcy County, Arkansas	05129	AR	Rural	Medium	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 1995	$41.5m	0.2%	$41.5m	—	—	-0.17
Jonesboro, AR	27860	AR	Small Metro	Medium	New Entrant	New Entrant; share n/a (n/a bps 5yr); 1 branches (+1 5yr); entered 2024	$36.6m	3381.3%	$36.6m	—	—	+0.31
Logan County, Arkansas	05083	AR	Rural	High	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 1999	$30.4m	4.1%	$30.4m	—	—	+0.51
Marion County, Arkansas	05089	AR	Rural	Medium	Established - Mature	Established - Mature; share n/a (n/a bps 5yr); 1 branches (+0 5yr); entered 2017	$28.3m	21.4%	$28.3m	—	—	+0.05
Burlington, NC	15500	NC	Small Metro	High	New Entrant	New Entrant; share n/a (n/a bps 5yr); 1 branches (+1 5yr); entered 2025	$2.6m	——	$2.6m	—	—	+0.72
Asheville, NC	11700	NC	Secondary Metro	High	New Entrant	New Entrant; share n/a (n/a bps 5yr); 1 branches (+1 5yr); entered 2025	$844k	——	$844k	—	—	+0.47
Orlando-Kissimmee-Sanford, FL	36740	FL	Major Metro	High	New Entrant	New Entrant; share n/a (n/a bps 5yr); 0 branches (+0 5yr); entered n/a	$0k	——	$0k	—	—	+0.98
Los Angeles-Long Beach-Anaheim, CA	31080	CA	Major Metro	Low	Limited-Service Foothold	Limited-Service Foothold; share n/a (n/a bps 5yr); 0 branches (+0 5yr); entered n/a	—	——	$0k	—	—	-0.68
San Francisco-Oakland-Fremont, CA	41860	CA	Major Metro	Low	Limited-Service Foothold	Limited-Service Foothold; share n/a (n/a bps 5yr); 0 branches (+0 5yr); entered n/a	—	——	$0k	—	—	-0.44
Brookhaven, MS	15020	MS	Micropolitan	Medium	Limited-Service Foothold	Limited-Service Foothold; share n/a (n/a bps 5yr); 0 branches (+0 5yr); entered n/a	—	——	$0k	—	—	-0.13
Raleigh-Cary, NC	39580	NC	Major Metro	High	Limited-Service Foothold	Limited-Service Foothold; share n/a (n/a bps 5yr); 0 branches (+0 5yr); entered n/a	—	——	$0k	—	—	+1.52
Tyler, TX	46340	TX	Secondary Metro	High	Limited-Service Foothold	Limited-Service Foothold; share n/a (n/a bps 5yr); 0 branches (+0 5yr); entered n/a	—	——	$0k	—	—	+0.51
New York-Newark-Jersey City, NY-NJ	35620	NY	Major Metro	Low	Limited-Service Foothold	Limited-Service Foothold; share n/a (n/a bps 5yr); 0 branches (-1 5yr); entered 2017; CAUTION: $0.3bn booked OUT of offices here between the 2020 and 2025 surveys (office-level book relocation, see methodology 8.6) -- check whether the move was intra-market (share unaffected) or cross-market (share delta is partly a booking change, not an operating result) before reading this label	—	-29.2%	$0k	—	—	-0.71
Totals over 63 markets shown									$33.5bn				14 counties · 271 offices

ML_06Market detail

One market, in full

Select a market — on the map, in the ranking table above, or through a figure cited in the brief — to see it in full here.

ML_09Methodology & basis

How these numbers were produced

Every threshold, gate and vintage, generated with this bank’s own figures.

Bank OZK (cert 110) · 63 markets · unfiltered

Read the methodology