BlastPoint's Banking Scorecard

Ozark Bank

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

Ozark, MO

4 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

Ozark Bank has 3 strengths but faces 4 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

+ ROA 0.06% above tier average
+ Net Interest Margin 0.34% above tier average
+ Efficiency Ratio 9.18% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 10.7% in tier
- Liquidity Strain: Bottom 14.9% in tier
- Margin Compression: Bottom 45.9% in tier
- Delinquency Rate 0.60% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$349.1M +1.2% YoY +0.7% QoQ	-$36.9M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	54%
Total Loans ?	$262.7M +3.5% YoY -0.2% QoQ	+$7.0M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	61%
Total Deposits ?	$290.1M -2.9% YoY +4.4% QoQ	-$37.8M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	53%
Return on Assets ?	1.33% -8.8% YoY -16.5% QoQ	+0.06%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	58%
Net Interest Margin ?	4.27% +17.7% YoY +7.6% QoQ	+0.34%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	72%
Efficiency Ratio ?	56.11% -7.3% YoY -2.6% QoQ	-9.18%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	71%
Delinquency Rate ?	1.49%	+0.60%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	18%
Loan-to-Deposit Ratio ?	90.55% +6.6% YoY -4.4% QoQ	+13.91%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	17.37% +9.4% YoY -3.5% QoQ	-4.65%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	33%
Nonperforming Asset Ratio ?	1.12%	+0.48%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	17%
Tier 1 Capital Ratio ?	9.05% -30.3% YoY -29.1% QoQ	-6.78%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Bottom 1.1% in tier
Non-Interest Income / Assets ?	0.09% -1.8% YoY -75.9% QoQ	-0.19%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	46%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#72 of 666 • Bottom 10.7% 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: 9.05%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Liquidity Strain

risk

#97 of 643 • Bottom 14.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.55%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Margin Compression

decline

#141 of 305 • Bottom 45.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.33%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2636

Tier 1 Capital Ratio

capital

Value: 9.05%

Peer Median: 15.83%

#2636 of 2664 Bottom 1.1% in $100M-$1B

2207

Nonperforming Asset Ratio

credit_quality

Value: 1.12%

Peer Median: 0.64%

#2207 of 2664 Bottom 17.2% in $100M-$1B

2169

Delinquency Rate

credit_quality

Value: 1.49%

Peer Median: 0.89%

#2169 of 2654 Bottom 18.3% in $100M-$1B

2045

Loan-to-Deposit Ratio

liquidity

Value: 90.55%

Peer Median: 76.64%

#2045 of 2664 Bottom 23.3% in $100M-$1B