Business: Bank OZK 4.625% Series A Non-Cumulative Perpetual Preferred Stock, liquidation preference $25 per share, redeemable at the issuer's option on or after 11/15/2026 at $25 per share plus declared and unpaid dividends , and with no stated maturity. <p> Non-cumulative distributions of 4.625% per annum ($1.15625 per annum or $0.2890625 per quarter) will be paid quarterly on 2/15, 5/15, 8/15 & 11/15 to holders of record on the record date fixed by the board, not more than 70 days or less than (__) days prior to the payment date (NOTE: the ex-dividend date is one business day prior to the record date). <p> Dividends paid by this preferred security are eligible for the preferential income tax rate of 15% to a maximum of 20% depending on the holder's tax bracket (and under IRS specified holding restrictions) and are also eligible for the dividends received deduction for corporate holders (see page 27 of the prospectus for further information). <p> This security is possibly subject to an early call as a result of the occurrence of a regulatory capital treatment event which no longer allows the company to include the funds originating from this security as Tier 1 capital on their balance sheet (see the prospectus for further information). <p> This security was rated as Ba2 by Moody’s and Not Rated by S&P at the date of its IPO. In regard to the payment of distributions and upon liquidation, the preferred shares rank junior to the company's senior debt, equally with other preferreds of the company, and senior to the common shares of the company. See the IPO prospectus for further information on the preferred stock by clicking on the ‘Link to IPO Prospectus’ provided below.