County Bancorp is a small dairy lender in Wisconsin with an exposure to milk prices, and Bank OZK is a larger bank in Arkansas coping with out-of-market real estate trends. Their stories show how market sensitivities can vex specialists.
Bank OZK's George Gleason, one of our community bankers to watch in 2019, needs to rein in the Arkansas bank's commercial real estate exposure to placate nervous investors.
The company is facing criticism after a big chargeoff on two properties, showing that investors have little patience when a risky business model shows signs of distress.
The Arkansas company, which has faced criticism over its concentration in commercial real estate, charged off nearly $46 million tied to a pair of properties in the Carolinas.