[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  LongYield [@LongYield](/creator/twitter/LongYield) on x 4476 followers Created: 2025-07-20 16:15:36 UTC $OZK Bank OZK Earnings Call Key Highlights: (1/2) 🏦 Loan Growth and Business Expansion Bank OZK reported strong loan growth of XXXX% (non-annualized) in the first half of 2025, exceeding prior full-year guidance of high single-digit growth. The bank raised its full-year loan growth guidance to 11%–13%, reflecting continued momentum across multiple business lines, particularly in Corporate and Institutional Banking (CIB). Anticipated loan paydowns, especially within the RESG portfolio, are expected to moderate growth in the second half, with $XXXX billion in repayments recorded by mid-July. Branch expansion is robust, with XX new branches opened YTD and approximately XX more planned for the remainder of 2025; around XX are expected in 2026. 📊 Corporate and Institutional Banking (CIB) Momentum CIB was the primary driver of loan growth and is expected to continue accelerating in H2 2025 and into 2026. Significant expansion of CIB verticals includes business lines such as Fund Finance, ABL, Sponsor Finance (CBSF), and the launch of a Natural Resources Group. Strategic geographic expansion includes planned CIB presences in Atlanta and Nashville, and hiring remains focused on origination, risk, and portfolio management functions. Pull-through rate on deal evaluations was approximately 12%, reflecting disciplined credit standards amid a large opportunity pipeline of $X billion reviewed in Q2. 🏗️ Real Estate Specialties Group (RESG) Trends RESG saw improved origination volume, marking its strongest quarter since Q2 2024, despite a challenging environment. High prepayment volumes are expected to continue, with RESG acting as a headwind or neutral contributor to net loan growth through year-end. Projects across multifamily, industrial, and office sectors have shown leasing and repayment strength, with industrial and multifamily driving most paydowns. Despite an increase in repayments, RESG maintains strong sponsor engagement and underwriting discipline, with average portfolio loan-to-value rising only modestly to 45%. 📉 Appraisals and Risk Ratings XX% of RESG portfolio loans by dollar volume have been reappraised since December 2022, reflecting the current interest rate environment. Weighted average loan-to-value has risen slightly from XX% to XX% due to reappraisals, offset by paydowns and new originations with lower LTVs. A few loans showed notable increases in LTV due to updated appraisals, including a small office loan (now at XXX% LTV), but sponsors remain engaged with fresh equity and reserve infusions. Special mention loans increased by $XXX million in Q2, largely due to routine risk reclassifications tied to upcoming maturities and negotiations; levels are in line with prior year-end figures. 💰 Deposits and Cost of Funds Deposit cost averaged XXXX% in Q2, with a modest decline in June to 3.68%; no significant change is expected until the Fed adjusts interest rates. Deposit growth was strong, supported by branch activity and CIB contributions; deposits rose nearly XX% in CIB, though offset by larger loan growth. Bank is capable of generating deposits efficiently, scaling according to balance sheet growth requirements without pressure to overspend on acquisition. Treasury management capabilities and relationship-first approach continue to drive quality deposit growth, particularly through newer business verticals.  XXX engagements  **Related Topics** [momentum](/topic/momentum) [quarterly earnings](/topic/quarterly-earnings) [$ozk](/topic/$ozk) [Post Link](https://x.com/LongYield/status/1946967236423434312)
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LongYield @LongYield on x 4476 followers
Created: 2025-07-20 16:15:36 UTC
$OZK Bank OZK Earnings Call Key Highlights: (1/2)
🏦 Loan Growth and Business Expansion
Bank OZK reported strong loan growth of XXXX% (non-annualized) in the first half of 2025, exceeding prior full-year guidance of high single-digit growth.
The bank raised its full-year loan growth guidance to 11%–13%, reflecting continued momentum across multiple business lines, particularly in Corporate and Institutional Banking (CIB).
Anticipated loan paydowns, especially within the RESG portfolio, are expected to moderate growth in the second half, with $XXXX billion in repayments recorded by mid-July.
Branch expansion is robust, with XX new branches opened YTD and approximately XX more planned for the remainder of 2025; around XX are expected in 2026.
📊 Corporate and Institutional Banking (CIB) Momentum
CIB was the primary driver of loan growth and is expected to continue accelerating in H2 2025 and into 2026.
Significant expansion of CIB verticals includes business lines such as Fund Finance, ABL, Sponsor Finance (CBSF), and the launch of a Natural Resources Group.
Strategic geographic expansion includes planned CIB presences in Atlanta and Nashville, and hiring remains focused on origination, risk, and portfolio management functions.
Pull-through rate on deal evaluations was approximately 12%, reflecting disciplined credit standards amid a large opportunity pipeline of $X billion reviewed in Q2.
🏗️ Real Estate Specialties Group (RESG) Trends
RESG saw improved origination volume, marking its strongest quarter since Q2 2024, despite a challenging environment.
High prepayment volumes are expected to continue, with RESG acting as a headwind or neutral contributor to net loan growth through year-end.
Projects across multifamily, industrial, and office sectors have shown leasing and repayment strength, with industrial and multifamily driving most paydowns.
Despite an increase in repayments, RESG maintains strong sponsor engagement and underwriting discipline, with average portfolio loan-to-value rising only modestly to 45%.
📉 Appraisals and Risk Ratings
XX% of RESG portfolio loans by dollar volume have been reappraised since December 2022, reflecting the current interest rate environment.
Weighted average loan-to-value has risen slightly from XX% to XX% due to reappraisals, offset by paydowns and new originations with lower LTVs.
A few loans showed notable increases in LTV due to updated appraisals, including a small office loan (now at XXX% LTV), but sponsors remain engaged with fresh equity and reserve infusions.
Special mention loans increased by $XXX million in Q2, largely due to routine risk reclassifications tied to upcoming maturities and negotiations; levels are in line with prior year-end figures.
💰 Deposits and Cost of Funds
Deposit cost averaged XXXX% in Q2, with a modest decline in June to 3.68%; no significant change is expected until the Fed adjusts interest rates.
Deposit growth was strong, supported by branch activity and CIB contributions; deposits rose nearly XX% in CIB, though offset by larger loan growth.
Bank is capable of generating deposits efficiently, scaling according to balance sheet growth requirements without pressure to overspend on acquisition.
Treasury management capabilities and relationship-first approach continue to drive quality deposit growth, particularly through newer business verticals.
XXX engagements
Related Topics momentum quarterly earnings $ozk