BlastPoint's Banking Scorecard

The Commercial Bank Of Ozark

$100M-$1B Specialty: Commercial AL FDIC cert 17975

Designations: ✓ CDFI-certified

Ozark, AL

2 branches across AL

2664 banks in the $100M-$1B peer group nationally 64 in AL

The Commercial Bank Of Ozark faces 4 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 3.4% in tier
- ROA 0.85% below tier average
- Net Interest Margin 0.69% below tier average
- Delinquency Rate 0.37% above tier average

Get updates when The Commercial Bank Of Ozark releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$115.2M +2.6% YoY -2.3% QoQ	-$270.9M	$386.1M +0.5% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	Bottom 4.5% in tier
Total Loans ?	$52.2M +2.8% YoY +0.6% QoQ	-$203.5M	$255.7M +1.1% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	Bottom 3.3% in tier
Total Deposits ?	$108.8M +2.6% YoY -1.5% QoQ	-$219.2M	$328.0M +0.1% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	Bottom 8.3% in tier
Return on Assets ?	0.42% -61.4% YoY -32.8% QoQ	-0.85%	1.27% +12.9% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	Bottom 11.0% in tier
Net Interest Margin ?	3.24% +12.1% YoY +3.0% QoQ	-0.69%	3.93% +6.0% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	19%
Efficiency Ratio ?	86.36% +17.9% YoY +5.0% QoQ	+21.07%	65.29% -4.5% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	Bottom 9.3% in tier
Delinquency Rate ?	1.26% -13.2% YoY -8.2% QoQ	+0.37%	0.89% +18.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	23%
Loan-to-Deposit Ratio ?	48.02% +0.2% YoY +2.2% QoQ	-28.62%	76.64% +0.8% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	Top 8.1% in tier
Non-Interest-Bearing Deposit Share ?	19.76% +8.9% YoY +11.4% QoQ	-2.26%	22.02% -1.0% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	44%
Nonperforming Asset Ratio ?	0.57% -13.1% YoY -5.4% QoQ	-0.07%	0.64% +19.7% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	34%
Tier 1 Capital Ratio ?	18.65% -3.8% YoY -0.8% QoQ	+2.82%	15.83% +1.5% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.11% -71.6% YoY -86.3% QoQ	-0.17%	0.28% +9.3% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	56%

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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 (1)

Efficiency Drag

risk

#15 of 414 • Bottom 3.4% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 86.36%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | 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).

Compare against:

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

Top Strengths (2 metrics)

217

Loan-to-Deposit Ratio

liquidity

Value: 48.02%

Peer Median: 76.64%

#217 of 2664 Top 8.1% in $100M-$1B

446

Tier 1 Capital Ratio

capital

Value: 18.65%

Peer Median: 15.83%

#446 of 2664 Top 16.7% in $100M-$1B

Top Weaknesses (7 metrics)

2576

Total Loans

size

Value: $52.24M

Peer Median: $255.72M

#2576 of 2664 Bottom 3.3% in $100M-$1B

2545

Total Assets

size

Value: $115.15M

Peer Median: $386.08M

#2545 of 2664 Bottom 4.5% in $100M-$1B

2444

Total Deposits

size

Value: $108.78M

Peer Median: $327.97M

#2444 of 2664 Bottom 8.3% in $100M-$1B

2418

Efficiency Ratio

profitability

Value: 86.36%

Peer Median: 65.29%

#2418 of 2664 Bottom 9.3% in $100M-$1B

2373

Return on Assets

profitability

Value: 0.42%

Peer Median: 1.27%

#2373 of 2664 Bottom 11.0% in $100M-$1B

2149

Net Interest Margin

profitability

Value: 3.24%

Peer Median: 3.93%

#2149 of 2664 Bottom 19.4% in $100M-$1B

2044

Delinquency Rate

credit_quality

Value: 1.26%

Peer Median: 0.89%

#2044 of 2654 Bottom 23.0% in $100M-$1B