Bank of the Ozarks, Inc. operates as a bank holding company for Bank of the Ozarks that provides various retail and commercial banking services. It offers various deposits, including checking, savings, money market, time deposit, and individual retirement accounts. The company’s loan portfolio includes real estate loans that comprise loans secured by residential 1-4 family, non-farm/non-residential, agricultural, construction/land development, multifamily residential properties, and other land loans; and consumer loans for the purchase of automobiles, recreational vehicles, boats, and mobile homes. Its loan portfolio also consists of 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 comprising 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 full service investment brokerage services. It operates 116 approximately offices. The company was founded in 1981 and is headquartered in Little Rock, Arkansas.