Spineless curs that you are. You need to make a one point spread in this stock? Pathetic. MANAGEMENT needs to speak to THEIR bankers and get these wimps to do their jobs. Scum-sucking bottom feeders. Best to move on to more liquid names of the same quality.
It appears OZRK has followed the path of many banks before them. They have sought, and received, market share at the expense of profitability. I've found, through 30 years of bank investing and ownership, that once a bank heads down this path it becomes a lifelong management trait.
As Warren Buffett states, "Bankers like to grow profitably; but when they can't they grow anyway."