• Bank OZK average operating margin for 2023 was 43.63%, a 23.78% decline from 2022.
• Bank OZK average operating margin for 2022 was 57.24%, a 0.32% decline from 2021.
• Bank OZK average operating margin for 2021 was 57.06%, a 82.59% increase from 2020.

Operating margin can be defined as operating margin measurement of what proportion of a company's revenue is left over after paying for variable costs of production such as wages, raw materials, etc.