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Ozark Bank

$100M-$1B Specialty: Commercial MO FDIC cert 1654

Ozark, MO

4 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
  • Deposits -11.3% year over year ($283.1M on the books).
  • Delinquency rate 1.49%.
  • Return on assets 1.12%.
  • Efficiency ratio 57.08% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.65% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO
View $100M-$1B leaderboard (MO) →

Ozark Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.33% above tier average
  • + Efficiency Ratio 7.40% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 0.1% in tier
  • - Capital Constraint: Bottom 0.9% in tier
  • - Deposit Outflow: Bottom 41.9% in tier
  • - ROA 0.20% below tier average
  • - Delinquency Rate 0.58% above tier average
Get updates when Ozark Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $341.0M
-6.2% YoY -2.3% QoQ
-$45.6M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
53%
Total Loans ? $253.8M
-1.8% YoY -3.4% QoQ
-$4.6M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
60%
Total Deposits ? $283.1M
-11.3% YoY -2.4% QoQ
-$43.7M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
52%
Return on Assets ? 1.12%
-26.7% YoY -15.5% QoQ
-0.20% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
42%
Net Interest Margin ? 4.32%
+16.9% YoY +1.1% QoQ
+0.33% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
72%
Efficiency Ratio ? 57.08%
-3.7% YoY +1.7% QoQ
-7.40% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
66%
Delinquency Rate ? 1.49%
+0.5% QoQ
+0.58% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
19%
Loan-to-Deposit Ratio ? 89.65%
+10.7% YoY -1.0% QoQ
+11.70% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
27%
Non-Interest-Bearing Deposit Share ? 17.73%
+12.2% YoY +2.0% QoQ
-4.30% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
35%
Nonperforming Asset Ratio ? 1.11%
-0.6% QoQ
+0.44% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
18%
Tier 1 Capital Ratio ? 9.23%
-28.5% YoY +1.9% QoQ
-6.68% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Bottom 2.5% in tier
Non-Interest Income / Assets ? 0.19%
+11.3% YoY +113.1% QoQ
-0.37% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
48%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Noninterest-Bearing 17.7%
+1.9pp YoY
+0.4pp QoQ
 -4.4pp 22.1% 20.9% 22.2% 35%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 4.6%
+1.3pp YoY
+0.3pp QoQ
 -7.0pp 11.6% 12.3% 12.5% 18%
CRE 44.3%
-3.4pp YoY
-0.8pp QoQ
 +4.8pp 39.5% 36.8% 41.4% 61%
1-4 Family 46.0%
+2.9pp YoY
+1.0pp QoQ
 +13.3pp 32.6% 31.9% 31.3% 78%
Consumer 0.7%
0.0pp YoY
-0.1pp QoQ
 -3.4pp 4.1% 4.1% 5.0% 20%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.5% 19.7% n/a
Leverage Ratio 9.2%
+0.3pp YoY
+0.2pp QoQ
 -2.9pp 12.2% 11.6% 12.6% 16%
Total Capital Ratio n/a n/a 19.9% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 58
+6 (+11.5%) YoY
+7 (+13.7%) QoQ
 -1 58 162 482 61%
Assets per Employee ($) $5.9M
-15.9% YoY
-14.1% QoQ
 -$1.6M $7.5M $8.0M $8.8M 31%
Branch Count 4
0 YoY
0 QoQ
 -1 4 10 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 1.5%
0.0pp QoQ
 +0.6pp 0.9% 0.8% 1.0% 82%
Allowance Coverage 1.19x
+26.2% QoQ
 -22.96x 24.15x 10.47x 20.23x 32%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 13.7%
-8.4pp YoY
-2.7pp QoQ
 +1.5pp 12.2% 14.3% 11.6% 60%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 53%
Net Income ($, YTD) $1.9M
-30.4% YoY
— QoQ
 -$618K $2.6M $11.3M $40.4M 51%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Capital Thin

risk
#1 of 661 • Bottom 0.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.23%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Capital Constraint

risk
#2 of 107 • Bottom 0.9% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 89.65%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 9.23%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Deposit Outflow

decline
#225 of 535 • Bottom 41.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2577
Tier 1 Capital Ratio
capital
Value: 9.23%
Peer Median: 15.91%
#2577 of 2643 Bottom 2.5% in $100M-$1B
2171
Nonperforming Asset Ratio
credit_quality
Value: 1.11%
Peer Median: 0.67%
#2171 of 2643 Bottom 17.9% in $100M-$1B
2143
Delinquency Rate
credit_quality
Value: 1.49%
Peer Median: 0.92%
#2143 of 2633 Bottom 18.6% in $100M-$1B
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