Bank of the Ozarks is a state-chartered financial institution that conducts operations through more than 70 offices located throughout northern, western and central Arkansas and Texas. It also maintains a loan production office in Charlotte in North Carolina. The bank s range of products includes checking, savings, money market, time deposit and individual retirement accounts for individuals and corporate clients. Bank of the Ozarks offers real estate, consumer, commercial, industrial and agricultural loans, as well as a variety of leasing services. Its trust and wealth management solutions include financial and retirement planning and custodial services. The bank provides mutual funds, annuities, insurance products, tax-managed investments, and stocks and option strategies through Investment Professionals. It is a wholly owned subsidiary of Bank of the Ozarks Incorporated, which is a publicly traded corporation.