Bank Branches › Closed and merged banks › Arkansas › Bank of the Ozarks
What happened to Bank of the Ozarks?
Bank of the Ozarks in Little Rock, AR (earlier called First State Savings and Loan Association of Southeast Ark and 2 other names) merged into Bank of the Ozarks wca of Little Rock, AR on Jan 7, 1999. After 1 more change of hands, what was Bank of the Ozarks is today part of Bank OZK (Little Rock, AR).
The chain, step by step
From the day it opened to the bank at the end of the chain today. Each step is one entry in the FDIC's record.
- 1965First State Savings and Loan Association of Southeast Ark opens in Little Rock, AR
- May 31, 1985renamed Heritage Federal Savings and Loan Association
- Sep 9, 1996renamed HEARTLAND Community Bank, FSB
- Feb 23, 1998renamed Bank of the Ozarks
- Jan 7, 1999MERGEDBank of the Ozarks merged into Bank of the Ozarks wca of Little Rock, AR.FDIC certificate 31505 ends; its business continues under certificate 15506.
- Jun 11, 1999MERGEDBank of the Ozarks wca of Little Rock, AR merged into Bank of the Ozarks, nwa of Little Rock, AR.FDIC certificate 15506 ends; its business continues under certificate 110.
- TodayOPEN
Bank OZKMain office Little Rock, AR · FDIC certificate 110 · 256 offices in 6 states on June 30, 2026Every Bank OZK office → Website on file with the FDIC: www.ozk.com
If you still have something from Bank of the Ozarks
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Bank of the Ozarks as lienholder, start with Bank OZK. In a merger the surviving bank takes over the other bank's loans, so it is the bank to ask for a recordable lien release; if the loan was sold along the way, it can tell you to whom.
The FDIC says it cannot process lien releases for banks that merged or were acquired without government assistance, which is what the record shows here.
Record the release with the same county office that recorded the original mortgage or deed of trust.
An old account, passbook or CD
Ask Bank OZK to search for the account under the name Bank of the Ozarks. A passbook or certificate shows an account existed. It doesn't show the money is still there, and the OCC notes that federal rules require banks to keep most account records for five years.
Accounts nobody touches are eventually turned over to a state. The OCC puts the usual wait at three to five years with no activity, set by each state's law. Search the unclaimed-property program of the state of the owner's last known address on the bank's records, and any other state they lived in. It is free to search and to claim through a state's own site, and MissingMoney.com, an official site of the state administrators' association, searches most states at once.
A safe deposit box
Ask Bank OZK which branch now holds boxes from the Bank of the Ozarks office you used. The OCC says a box with no activity for three to five years (the period is set by state statute) is likely treated as dormant, and its contents may be turned over to the state's unclaimed-property program.
Box contents are not covered by FDIC insurance.
Not sure this is your bank?
Many banks shared a name. Match the city and the years above against your paperwork, or search again with the town.
Credit unions were never FDIC-insured and are not in this record; the NCUA credit union lookup covers those. Banks that closed before about 1970 are not in the FDIC's list either.
One caution: banks also sell single branches. If the office you used was sold to a different bank along the way, the account went with the branch, not with this chain. The office list below shows which bank each office reports under now.
This page is drawn from FDIC records and federal guidance. It is not legal advice, and BankBranches is not a bank or a government office. More detail: lien releases · old passbooks and CDs · safe deposit boxes · unclaimed money.
Where the guidance comes from ▾
Its offices in the FDIC deposit reports
4 offices filed under this charter in some year from 1994 on. 3 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 11102 N Rodney Parham RdLittle Rock, AR | OpenBank OZK |
| 601 West Commerical StreetOzark, AR | OpenBank OZK |
| 473 Highway 425 NMonticello, AR | OpenSimmons Bank |
| 109 North ChesterLittle Rock, AR | No longer reported |
Banks folded into Bank of the Ozarks
1 bank merged directly into this charter; counting the banks those had absorbed earlier, 2 charters end up inside it.
| Bank | Ended |
|---|---|
| Capital Federal Savings and Loan AssociationLittle Rock, AR | Jun 29, 1990 |
Source: FDIC BankFind institution and history records, read Nov 15, 2026. The FDIC's list covers banks that ended in about 1970 or later. Look up certificate 31505 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.