Bank of the Ozarks, Inc. operates as a bank holding company for Bank of the Ozarks that provides various retail and commercial banking services. The company offers deposit services comprising checking, savings, money market, time deposit, and individual retirement accounts. Its loan portfolio includes real estate that consists of loans secured by residential 1-4 family, non-farm/non-residential, agricultural, construction/land development, multifamily residential properties, and other land loans; consumer loans for the purchase of automobiles, recreational vehicles, boats, and mobile homes. Its loan portfolio also comprise loans for commercial, industrial, and professional purposes, including loans to fund working capital requirements, and purchases of machinery and equipment, as well as term loans, balloon loans, and lines of credit; and agricultural loans for financing agricultural production consisting of loans to businesses or individuals engaged in the production of timber, poultry, livestock, or crops. In addition, the company provides mortgage lending; treasury management services, including wholesale lock box services; remote deposit capture services; and trust and wealth management services comprising financial planning, money management, custodial services, and corporate trust services. Further, it offers real estate appraisals; credit-related life and disability insurance; ATMs; telephone banking; on-line and mobile banking services, such as electronic bill pay; debit cards; gift cards; and safe deposit boxes. The company also provides credit cards for consumers and businesses; processing of merchant debit and credit card transactions; and investment brokerage services. As of April 11, 2013, it operated 117 offices, including 66 Arkansas offices, 28 Georgia offices, 13 Texas offices, 4 Florida offices, 3 Alabama offices, 2 North Carolina offices, and 1 South Carolina office. The company was founded in 1981 and is headquartered in Little Rock, Arkansas.

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