 Barclay welcome to TFNN. Hey Tom, how are you doing? I'm doing great. Well listen we appreciate you coming on You know we know The Bank of the Ozarks does so much for communities across the country and let me so let me let me ask you Frisa Is is Bank of the Ozarks a community bank a regional bank? Where is that get placed? That's a great question. So about three years ago. We rebranded ourselves Bank OZK So it pays homage to what we were Bank of the Ozarks But it's really more characteristic of the fact that we are a regional and national bank I would say we're in the top 50 US banks mostly in the southeast But we have offices in New York City and San Francisco. Yes, and folks they trade under the ticket OZK They take in a billion dollars a year Bottom line is that each and every day we all deal with banks of course across the United States You know when you when we're dealing with banks specifically What should folks know? I mean, I know that you know, you do great work in St. Petersburg I can see it. I'm sure there's people right across the country that see, you know, we're small business Okay, when you when you're dealing with a small business You know, you don't you can't use the the monster banks because you're you get pushed to the side bottom line Tell me like when folks are coming in you got entrepreneurs coming into the bank What should they be paid for when they want to do business when I sit when I'm saying what I want to do business is that yes We open accounts and all that but let's say that they they want to Build a business. They want to build houses. They want to build An own business. What should the folks have when they're coming into the bank? Yeah, that's a great question Tom I think you know when you have a Medium-sized or regional bank you kind of have an intersection in the middle to quote your phrase You're not quite a monster bank, but you have more power and more technology Then you know say very small community bank with just a couple of locations You kind of fit the best of both worlds I think that's where you know our bank is at and you know for someone who wants to because that's what we like to do We like to build and grow our community I think having a relationship with a banker is important not the bank and so to know the Individuals and for them to be for that for your banker to be able to call Decision-makers and make things happen. I think is is somewhat of a lost art and it's it's in this highly Competitive technologically driven world. It's it's really a relationship that you need There's no doubt and folks as you're watching Tiger TV I know that you know a couple weeks ago We had one of the founders of the fairgrounds on and you can see this picture up here And this is so cool folks because you can see finance provided by Bank OZK You know, it's pretty it's pretty impressive. Barclay that All of us no matter where someone's listening right now. We have small communities. We do want to build them all And you the crucial part is that you know, like let's say if I go back 20 well if I go back 30 years ago, unfortunately Okay, we did have more relationships like this. So The the culture of your bank. This is a different culture folks Can you explain that the culture and that how you reach out to the community because folks? I do business number one with OZK and let me tell you the story folks You you may not know this Barclay. I changed so pitch this I had a relationship with Wells Fargo for 25 years and on the PPP They could care less about anything and I'm talking about millions of dollars that went through those accounts And it was like okay when this thing is over and I don't think I I says I'm changing everything so so If you because your culture is so cool. So tell us about your culture a little so when folks are in different states They can understand why did they may want to do business with you? Sure? I think there's a couple factors there Tom number one We're told to get out and to see the community and to know the community both Volunteering and and building up the community but also getting out and to know the business leaders Literally driving around finding out what's going on in the market I think you'll find from both the large loans that we do and the small loans that generally comes from Knowing the market and knowing the folks doing cool things entrepreneurs people involved in real estate I think also we have just a really cool culture, you know, we have an in-house Financial technology fintech lab located in St. Pete There's I think around 50 software engineers that are doing really cool things, you know to make the bank both banker-facing and customer-facing more competitive and to You know thrive in the 21st century. That's that's pretty cool, man That's that's it's amazing. So when we do let's let's bit. Let's pitch it that you get the aspect that You have to small business. We want to do business. Well, let's say that someone wants to build a house The bottom line is that they're new in the business and we've talked about this They're new in the business The bottom line is that I guess they'd want as much Documentation as they could get before they're walking into the bank, right? That's correct. You'd want to have I always tell people when when you're doing something Sophisticated like building you want to have a conversation with your banker You want to have a conversation with your CPA and you want to have a conversation with your attorney So that you get all three levels of advice from all of them because they're probably each going to see things Slightly differently and it's important for them, especially your CPA to know what your plans are two or three years out in the future That's you know, always a challenge is having those documents where we can lend, you know Underwriting standards are very good. They're they're strong given what happened, you know, 12 years ago And you know, I you know it too that what's happening in the Tampa Bay area and in Florida in general We are just very bullish on what's happening in the economy specifically residential real estate. Yeah It's pretty amazing. So inside of the the the aspect that that we have the bank We're growing out communities talk to me about a bit about because you just brought this up and folks This is so cool because this did happen 30 years ago that you are involved on the community because you're building out a Neighborhood so tell us how the bank helps neighborhoods get built out Well, we finance real estate. We finance people who are investing in real estate building real estate, you know Simple things like building a single-family home for yourself or for someone else, but also building, you know Town homes for sale condos for sale things of that nature. We also help nonprofits we have a lot of nonprofit clients who rely on the bank for their needs and That's not just Financing and deposits. It's also time, you know We encourage our employees highly encourage them to serve on boards to volunteer their time and all of this kind of Circles back to knowing your your market knowing your neighbor and it also does good in the community Well, listen, I I appreciate What you do for St. Pete the Tampa area in a big way Appreciate the education and absolutely. I folks the of course, it's the bank of the OZK The website is the exact same OZK.com Barclay, you have a great one safe one. And of course we look forward to having you back on again Tom, thank you so much. Take care. Thank you. Appreciate it