# Bank OZK

**Canonical:** https://apis.io/providers/bank-ozk/  
**Website:** https://www.ozk.com/  
**APIs profiled:** 0

Bank OZK is a regional bank headquartered in Little Rock, Arkansas, tracing its charter to 1903 and today operating roughly 265 offices across Arkansas, Georgia, Florida, North Carolina, Texas, and New York. It is a state-chartered commercial bank and the wholly owned subsidiary of Bank OZK holding company, publicly traded on the Nasdaq Global Select Market under the symbol OZK, with about $40.8 billion in total assets as of year-end 2025 and a national reputation in commercial real estate lending. Bank OZK runs no first-party public developer portal and publishes no downloadable OpenAPI/Swagger specifications; it is not a documented Financial Data Exchange (FDX) participant and has not published a specific CFPB Section 1033 data-access posture. Consumer-permissioned account data is reached only indirectly through third-party aggregators, with Plaid documented as the supporting aggregator. This is an honest identity-only profile with no public API surface.

## Kin Score — 9.9 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 9.9).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

Regulatory layer — **Banking & Open Finance**: 17.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Security (1)

- **Bank Ozk Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Financial-Services, Banking, United States, Regional Bank, Commercial Real Estate Lending, Open Finance, Data Aggregation

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/bank-ozk/). Scores are computed from the provider's own public artifacts under a published rubric.