Bank Ozk vs Patterson
Comparing a Bank in Little Rock, AR with a Credit Union in Arkadelphia, AR using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Bank Ozk ↗ Bank · Little Rock, AR · Est. 1903 | Patterson ↗ Credit Union · Arkadelphia, AR · Est. 1957 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Little Rock, AR | Arkadelphia, AR |
| Total assets | $41.7B | $37.5M |
| Capital ratio | 14.8% | 17.3% |
| Return on assets | 1.6% | 2.5% |
| Deposits | $33.8B | — |
| Branches | 274 | 3,918 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 78 | #2 of 48 |
| Established | 1903 | 1957 |
Bank Ozk
- Assets: $41.7B
- Deposits: $33.8B
- Capital ratio: 14.8%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #2 of 78
Patterson
- Assets: $37.5M
- Members: 3,918
- Capital ratio: 17.3%
- Return on assets: 2.5%
- CFPB complaints: 0
- State rank: #2 of 48
Are both institutions federally insured?
Yes. Bank Ozk is FDIC-insured and Patterson is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Bank Ozk or Patterson?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Bank Ozk scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Bank Ozk safe?
Yes — Bank Ozk is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Patterson safe?
Yes — Patterson is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Bank Ozk vs Patterson?
Bank Ozk has a capital ratio of 14.8%, placing it in the top 12% of $10B–100B peers. Patterson's ratio is 17.3%, placing it in the top 32% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Bank Ozk have compared to Patterson?
The CFPB database shows 0 complaints against Bank Ozk, and 0 complaints against Patterson. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Bank Ozk with other Banks in Arkansas
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
