BlastPoint's Banking Scorecard
Security Bank of the Ozarks
Eminence, MO
5 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 -2.6% year over year ($144.0M on the books).
- Delinquency rate 0.57%.
- Return on assets 1.19%.
- Efficiency ratio 70.65% vs a 64.48% peer average.
- Loan-to-deposit ratio 73.02% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Security Bank of the Ozarks has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 74.5% in tier
- + Delinquency Rate 0.35% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 10.0% in tier
- - Margin Compression: Bottom 24.1% in tier
- - Flatlined Growth: Bottom 25.3% in tier
- - Deposit Outflow: Bottom 42.6% in tier
- - Efficiency Ratio 6.17% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$155.1M
-2.0% YoY
-0.8% QoQ
|
-$231.5M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
16% |
| Total Loans ? |
$105.1M
+5.9% YoY
+5.4% QoQ
|
-$153.2M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
20% |
| Total Deposits ? |
$144.0M
-2.6% YoY
-1.1% QoQ
|
-$182.8M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
19% |
| Return on Assets ? |
1.19%
-12.4% YoY
+50.9% QoQ
|
-0.13% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
47% |
| Net Interest Margin ? |
4.90%
+0.8% YoY
+0.1% QoQ
|
+0.91% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
Top 9.8% in tier |
| Efficiency Ratio ? |
70.65%
+6.7% YoY
-9.5% QoQ
|
+6.17% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
29% |
| Delinquency Rate ? |
0.57%
-24.3% YoY
-17.6% QoQ
|
-0.35% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
73.02%
+8.7% YoY
+6.6% QoQ
|
-4.94% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
29.88%
-0.2% YoY
+1.7% QoQ
|
+7.85% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.76%
-14.2% YoY
-4.5% QoQ
|
+0.09% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
10.40%
-2.4% YoY
-3.4% QoQ
|
-5.51% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
15% |
| Non-Interest Income / Assets ? |
0.24%
+25.2% YoY
+170.4% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
62% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
29.9%
-0.1pp YoY +0.5pp QoQ |
+7.7pp | 22.1% | 20.9% | 22.2% | 82% |
| 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 |
15.3%
-3.1pp YoY -0.8pp QoQ |
+3.7pp | 11.6% | 12.3% | 12.5% | 77% |
| CRE |
25.7%
+1.6pp YoY +0.5pp QoQ |
-13.8pp | 39.5% | 36.8% | 41.4% | 28% |
| 1-4 Family |
24.5%
+0.8pp YoY -0.5pp QoQ |
-8.2pp | 32.6% | 31.9% | 31.3% | 40% |
| Consumer |
14.8%
+0.3pp YoY -0.8pp QoQ |
+10.7pp | 4.1% | 4.1% | 5.0% | 96% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.4%
-0.3pp YoY -0.4pp QoQ |
-8.4pp | 18.8% | 18.5% | 19.7% | 4% |
| Leverage Ratio |
7.6%
+0.1pp YoY +0.2pp QoQ |
-4.6pp | 12.2% | 11.6% | 12.6% | 1% |
| Total Capital Ratio |
11.4%
-0.2pp YoY -0.4pp QoQ |
-8.5pp | 19.9% | 19.6% | 20.8% | 4% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
51
+1 (+2.0%) YoY +2 (+4.1%) QoQ |
-8 | 58 | 162 | 482 | 54% |
| Assets per Employee ($) |
$3.0M
-3.9% YoY -4.7% QoQ |
-$4.5M | $7.5M | $8.0M | $8.8M | 2% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 10 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.4%
+0.4pp YoY 0.0pp QoQ |
+0.1pp | 0.3% | 0.3% | 0.4% | 79% |
| Nonaccrual |
0.2%
-0.5pp YoY -0.2pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 26% |
| Allowance Coverage |
1.84x
+40.9% YoY +16.1% QoQ |
-22.31x | 24.15x | 10.47x | 20.23x | 45% |
| Net Charge-off Rate (YTD) |
0.1%
-0.2pp YoY +0.1pp QoQ |
0.0pp | 0.1% | 0.3% | 0.2% | 80% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.4%
-4.7pp YoY +5.8pp QoQ |
+5.2pp | 12.2% | 14.3% | 11.6% | 79% |
| Cost of Funds (YTD) |
1.6%
-0.3pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.8% | 1.7% | 40% |
| Net Income ($, YTD) |
$928,000
-12.0% YoY — QoQ |
-$1.6M | $2.6M | $11.3M | $40.4M | 24% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (4)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.