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The Commercial Bank Of Ozark

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

Designations: ✓ CDFI-certified

Ozark, AL

2 branches across AL

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 63 in AL.
  • Deposits +0.0% year over year ($107.6M on the books).
  • Delinquency rate 1.15%.
  • Return on assets 0.51%.
  • Efficiency ratio 85.15% vs a 64.48% peer average.
  • Loan-to-deposit ratio 50.48% 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 63 in AL
View $100M-$1B leaderboard (AL) →

The Commercial Bank Of Ozark faces 5 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

  • - Flatlined Growth: Bottom 16.1% in tier
  • - Efficiency Drag: Bottom 20.5% in tier
  • - ROA 0.81% below tier average
  • - Net Interest Margin 0.61% below tier average
  • - Delinquency Rate 0.23% above tier average
Get updates when The Commercial Bank Of Ozark releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $115.2M
+1.3% YoY +0.0% QoQ
-$271.4M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
Bottom 4.3% in tier
Total Loans ? $54.3M
+7.5% YoY +4.0% QoQ
-$204.0M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
Bottom 3.6% in tier
Total Deposits ? $107.6M
+0.0% YoY -1.1% QoQ
-$219.1M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
Bottom 7.9% in tier
Return on Assets ? 0.51%
-24.3% YoY +22.8% QoQ
-0.81% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
Bottom 12.4% in tier
Net Interest Margin ? 3.38%
+11.8% YoY +4.1% QoQ
-0.61% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
23%
Efficiency Ratio ? 85.15%
+5.0% YoY -1.4% QoQ
+20.67% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
Bottom 8.7% in tier
Delinquency Rate ? 1.15%
-15.8% YoY -8.6% QoQ
+0.23% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
25%
Loan-to-Deposit Ratio ? 50.48%
+7.5% YoY +5.1% QoQ
-27.47% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
Top 8.5% in tier
Non-Interest-Bearing Deposit Share ? 20.28%
+9.2% YoY +2.6% QoQ
-1.75% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
47%
Nonperforming Asset Ratio ? 0.54%
-10.6% YoY -5.1% QoQ
-0.13% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
37%
Tier 1 Capital Ratio ? 18.33%
-4.6% YoY -1.7% QoQ
+2.42% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
82%
Non-Interest Income / Assets ? 0.21%
-55.1% YoY +100.7% QoQ
-0.35% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
54%

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 (AL) National Avg Tier Percentile
Noninterest-Bearing 20.3%
+1.7pp YoY
+0.5pp QoQ
 -1.9pp 22.1% 24.0% 22.2% 46%
Brokered Deposits n/a n/a 7.9% 5.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 36.5%
-5.0pp YoY
0.0pp QoQ
 +25.0pp 11.6% 16.9% 12.5% 98%
CRE 25.6%
+2.9pp YoY
-0.8pp QoQ
 -13.9pp 39.5% 43.5% 41.4% 27%
1-4 Family 25.3%
+3.2pp YoY
+0.8pp QoQ
 -7.3pp 32.6% 30.6% 31.3% 41%
Consumer 9.3%
-0.4pp YoY
+0.1pp QoQ
 +5.2pp 4.1% 5.7% 5.0% 91%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio 18.3%
-0.9pp YoY
-0.3pp QoQ
 -0.5pp 18.8% 15.1% 19.7% 71%
Leverage Ratio 9.1%
+0.2pp YoY
+0.1pp QoQ
 -3.1pp 12.2% 13.2% 12.6% 13%
Total Capital Ratio 19.3%
-1.0pp YoY
-0.4pp QoQ
 -0.7pp 19.9% 16.2% 20.8% 70%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 22
0 YoY
+2 (+10.0%) QoQ
 -37 58 304 482 14%
Assets per Employee ($) $5.2M
+1.3% YoY
-9.1% QoQ
 -$2.3M $7.5M $6.9M $8.8M 18%
Branch Count 2
0 YoY
0 QoQ
 -3 4 20 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.5pp YoY
-0.4pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 30%
Nonaccrual 1.1%
+0.3pp YoY
+0.3pp QoQ
 +0.2pp 0.9% 1.2% 1.0% 74%
Allowance Coverage 0.89x
+7.7% YoY
+2.0% QoQ
 -23.26x 24.15x 7.50x 20.23x 24%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 72%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 11.0%
-12.1pp YoY
+1.8pp QoQ
 -1.2pp 12.2% 10.0% 11.6% 43%
Cost of Funds (YTD) 1.1%
-0.2pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.7% 1.7% 12%
Net Income ($, YTD) $296,000
-22.7% YoY
— QoQ
 -$2.3M $2.6M $17.2M $40.4M 6%

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 (2)

Flatlined Growth

risk
#86 of 529 • Bottom 16.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.51%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Efficiency Drag

risk
#75 of 361 • Bottom 20.5% in tier

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

Why this signature
Efficiency Ratio: 85.15%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank declining

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 (2 metrics)

226
Loan-to-Deposit Ratio
liquidity
Value: 50.48%
Peer Median: 77.95%
#226 of 2643 Top 8.5% in $100M-$1B
471
Tier 1 Capital Ratio
capital
Value: 18.33%
Peer Median: 15.91%
#471 of 2643 Top 17.8% in $100M-$1B

Top Weaknesses (7 metrics)

2548
Total Loans
size
Value: $54.31M
Peer Median: $258.35M
#2548 of 2643 Bottom 3.6% in $100M-$1B
2531
Total Assets
size
Value: $115.19M
Peer Median: $386.57M
#2531 of 2643 Bottom 4.3% in $100M-$1B
2435
Total Deposits
size
Value: $107.59M
Peer Median: $326.73M
#2435 of 2643 Bottom 7.9% in $100M-$1B
2413
Efficiency Ratio
profitability
Value: 85.15%
Peer Median: 64.48%
#2413 of 2643 Bottom 8.7% in $100M-$1B
2315
Return on Assets
profitability
Value: 0.51%
Peer Median: 1.32%
#2315 of 2643 Bottom 12.4% in $100M-$1B
2049
Net Interest Margin
profitability
Value: 3.38%
Peer Median: 3.99%
#2049 of 2643 Bottom 22.5% in $100M-$1B
1976
Delinquency Rate
credit_quality
Value: 1.15%
Peer Median: 0.92%
#1976 of 2633 Bottom 25.0% in $100M-$1B
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