BlastPoint's Banking Scorecard

Ozarks Federal Savings and Loan Association

$100M-$1B Specialty: Mortgage MO FDIC cert 28277

Designations: ✓ Mutual

Farmington, MO

5 branches across MO

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

Ozarks Federal Savings and Loan Association faces 7 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

- Liquidity Strain: Bottom 5.6% in tier
- Liquidity Overhang: Bottom 15.4% in tier
- Non-Interest-Bearing Deposit Share 15.91% below tier average
- ROA 0.35% below tier average
- Net Interest Margin 0.21% below tier average
- Efficiency Ratio 12.26% above tier average
- Delinquency Rate 0.31% 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 ?	$279.1M -3.9% YoY -8.9% QoQ	-$107.0M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	42%
Total Loans ?	$220.4M -5.9% YoY -9.8% QoQ	-$35.3M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	53%
Total Deposits ?	$226.0M +6.5% YoY +1.8% QoQ	-$102.0M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	40%
Return on Assets ?	0.91% +162.6% YoY +76.4% QoQ	-0.35%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	32%
Net Interest Margin ?	3.72% +24.0% YoY +16.1% QoQ	-0.21%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	42%
Efficiency Ratio ?	77.55% -5.4% YoY +0.2% QoQ	+12.26%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	19%
Delinquency Rate ?	1.20% +18.5% YoY +13.1% QoQ	+0.31%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	24%
Loan-to-Deposit Ratio ?	97.55% -11.6% YoY -11.4% QoQ	+20.91%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	Bottom 11.7% in tier
Non-Interest-Bearing Deposit Share ?	6.11% +0.4% YoY -2.3% QoQ	-15.91%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	Bottom 4.7% in tier
Nonperforming Asset Ratio ?	0.95% +16.1% YoY +12.0% QoQ	+0.31%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	21%
Tier 1 Capital Ratio ?	20.26% +9.4% YoY +8.8% QoQ	+4.43%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Top 12.7% in tier
Non-Interest Income / Assets ?	0.19% +153.1% YoY -45.2% QoQ	-0.09%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	83%

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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 (2)

Liquidity Strain

risk

#37 of 643 • Bottom 5.6% 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: 97.55%

(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

Liquidity Overhang

risk

#115 of 739 • Bottom 15.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 20.26%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 97.55%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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).

Compare against:

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

Top Strengths (2 metrics)

340

Tier 1 Capital Ratio

capital

Value: 20.26%

Peer Median: 15.83%

#340 of 2664 Top 12.7% in $100M-$1B

450

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#450 of 2664 Top 16.9% in $100M-$1B

Top Weaknesses (5 metrics)

2539

Non-Interest-Bearing Deposit Share

funding

Value: 6.11%

Peer Median: 22.02%

#2539 of 2664 Bottom 4.7% in $100M-$1B

2354

Loan-to-Deposit Ratio

liquidity

Value: 97.55%

Peer Median: 76.64%

#2354 of 2664 Bottom 11.7% in $100M-$1B

2167

Efficiency Ratio

profitability

Value: 77.55%

Peer Median: 65.29%

#2167 of 2664 Bottom 18.7% in $100M-$1B

2109

Nonperforming Asset Ratio

credit_quality

Value: 0.95%

Peer Median: 0.64%

#2109 of 2664 Bottom 20.9% in $100M-$1B

2014

Delinquency Rate

credit_quality

Value: 1.20%

Peer Median: 0.89%

#2014 of 2654 Bottom 24.2% in $100M-$1B