BlastPoint's Banking Scorecard

Security Bank of the Ozarks

$100M-$1B Specialty: Commercial MO FDIC cert 18033

Eminence, MO

5 branches across MO

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

Security Bank of the Ozarks has 2 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

+ Deposit Franchise: Top 73.9% in tier
+ Delinquency Rate 0.20% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 11.2% in tier
- Capital Thin: Bottom 30.8% in tier
- Flatlined Growth: Bottom 35.9% in tier
- Efficiency Ratio 12.81% 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 ?	$156.4M +1.4% YoY +0.9% QoQ	-$229.7M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	16%
Total Loans ?	$99.7M +0.2% YoY +0.4% QoQ	-$156.0M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	20%
Total Deposits ?	$145.6M +0.9% YoY +1.1% QoQ	-$182.4M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	20%
Return on Assets ?	0.79% -19.8% YoY -44.5% QoQ	-0.48%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	25%
Net Interest Margin ?	4.89% +9.9% YoY -0.1% QoQ	+0.96%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Top 9.0% in tier
Efficiency Ratio ?	78.09% +8.6% YoY +20.7% QoQ	+12.81%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	18%
Delinquency Rate ?	0.69% -78.2% YoY +175.6% QoQ	-0.20%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	37%
Loan-to-Deposit Ratio ?	68.52% -0.6% YoY -0.7% QoQ	-8.12%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	69%
Non-Interest-Bearing Deposit Share ?	29.37% +3.1% YoY +1.4% QoQ	+7.35%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	80%
Nonperforming Asset Ratio ?	0.80% -67.7% YoY +53.1% QoQ	+0.16%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	26%
Tier 1 Capital Ratio ?	10.76% +6.4% YoY -1.3% QoQ	-5.07%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.09% +1.5% YoY -74.0% 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 (1)

Deposit Franchise

growth

#202 of 272 • Top 73.9% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 29.37%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.89%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (3)

Margin Compression

decline

#35 of 305 • Bottom 11.2% 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: 0.79%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Capital Thin

risk

#206 of 666 • Bottom 30.8% 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: 10.76%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#185 of 512 • Bottom 35.9% 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: 0.79%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 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).

Compare against:

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

Top Strengths (2 metrics)

240

Net Interest Margin

profitability

Value: 4.89%

Peer Median: 3.93%

#240 of 2664 Top 9.0% in $100M-$1B

530

Non-Interest-Bearing Deposit Share

funding

Value: 29.37%

Peer Median: 22.02%

#530 of 2664 Top 19.9% in $100M-$1B

Top Weaknesses (5 metrics)

2233

Total Assets

size

Value: $156.39M

Peer Median: $386.08M

#2233 of 2664 Bottom 16.2% in $100M-$1B

2186

Efficiency Ratio

profitability

Value: 78.09%

Peer Median: 65.29%

#2186 of 2664 Bottom 18.0% in $100M-$1B

2142

Total Loans

size

Value: $99.73M

Peer Median: $255.72M

#2142 of 2664 Bottom 19.6% in $100M-$1B

2136

Total Deposits

size

Value: $145.56M

Peer Median: $327.97M

#2136 of 2664 Bottom 19.9% in $100M-$1B

2128

Tier 1 Capital Ratio

capital

Value: 10.76%

Peer Median: 15.83%

#2128 of 2664 Bottom 20.2% in $100M-$1B