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

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 +3.5% year over year ($227.7M on the books).
Delinquency rate 0.96%.
Return on assets 0.87%.
Efficiency ratio 75.67% vs a 64.48% peer average.
Loan-to-deposit ratio 97.09% 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 140 in MO

View $100M-$1B leaderboard (MO) →

Ozarks Federal Savings and Loan Association faces 6 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 4.0% in tier
- Liquidity Overhang: Bottom 17.9% in tier
- Non-Interest-Bearing Deposit Share 15.44% below tier average
- ROA 0.46% below tier average
- Net Interest Margin 0.15% below tier average
- Efficiency Ratio 11.20% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$277.2M -5.2% YoY -0.7% QoQ	-$109.4M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	42%
Total Loans ?	$221.0M -6.5% YoY +0.3% QoQ	-$37.3M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	52%
Total Deposits ?	$227.7M +3.5% YoY +0.8% QoQ	-$99.1M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	40%
Return on Assets ?	0.87% +105.5% YoY -5.3% QoQ	-0.46%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	27%
Net Interest Margin ?	3.84% +25.2% YoY +3.1% QoQ	-0.15%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	44%
Efficiency Ratio ?	75.67% -5.7% YoY -2.4% QoQ	+11.20%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	19%
Delinquency Rate ?	0.96% -4.6% YoY -19.9% QoQ	+0.04%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	30%
Loan-to-Deposit Ratio ?	97.09% -9.7% YoY -0.5% QoQ	+19.14%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	Bottom 13.6% in tier
Non-Interest-Bearing Deposit Share ?	6.59% -15.4% YoY +7.8% QoQ	-15.44%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	Bottom 5.3% in tier
Nonperforming Asset Ratio ?	0.76% -5.9% YoY -19.2% QoQ	+0.10%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	28%
Tier 1 Capital Ratio ?	20.36% +8.9% YoY +0.5% QoQ	+4.46%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	Top 12.9% in tier
Non-Interest Income / Assets ?	0.31% +92.7% YoY +67.9% QoQ	-0.25%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	74%

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	6.6% -1.2pp YoY +0.5pp QoQ	-15.6pp	22.1%	20.9%	22.2%	5%
Brokered Deposits	2.2% 0.0pp QoQ	-5.7pp	7.9%	7.4%	8.5%	31%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	n/a	n/a	11.6%	12.3%	12.5%	n/a
CRE	10.8% -2.9pp YoY -0.7pp QoQ	-28.7pp	39.5%	36.8%	41.4%	6%
1-4 Family	90.1% +3.0pp YoY +0.8pp QoQ	+57.5pp	32.6%	31.9%	31.3%	98%
Consumer	0.1% -0.1pp YoY 0.0pp QoQ	-4.0pp	4.1%	4.1%	5.0%	4%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	20.4% +1.7pp YoY +0.1pp QoQ	+1.5pp	18.8%	18.5%	19.7%	79%
Leverage Ratio	15.1% +1.4pp YoY +1.4pp QoQ	+2.9pp	12.2%	11.6%	12.6%	87%
Total Capital Ratio	21.5% +1.7pp YoY +0.1pp QoQ	+1.5pp	19.9%	19.6%	20.8%	79%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	62 +3 (+5.1%) YoY +4 (+6.9%) QoQ	+3	58	162	482	65%
Assets per Employee ($)	$4.5M -9.8% YoY -7.1% QoQ	-$3.0M	$7.5M	$8.0M	$8.8M	8%
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	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	1.0% 0.0pp YoY -0.2pp QoQ	0.0pp	0.9%	0.8%	1.0%	70%
Allowance Coverage	1.00x +7.7% YoY +25.3% QoQ	-23.15x	24.15x	10.47x	20.23x	26%
Net Charge-off Rate (YTD)	-0.0%	-0.2pp	0.1%	0.3%	0.2%	17%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	6.1% +2.9pp YoY -0.5pp QoQ	-6.1pp	12.2%	14.3%	11.6%	17%
Cost of Funds (YTD)	2.2% -0.4pp YoY -0.2pp QoQ	+0.5pp	1.7%	1.8%	1.7%	82%
Net Income ($, YTD)	$1.2M +103.4% YoY — QoQ	-$1.3M	$2.6M	$11.3M	$40.4M	34%

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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

#29 of 691 • Bottom 4.0% 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: 97.09%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#134 of 742 • Bottom 17.9% 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: 20.36%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 97.09%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

343

Tier 1 Capital Ratio

capital

Value: 20.36%

Peer Median: 15.91%

#343 of 2643 Top 12.9% in $100M-$1B

Top Weaknesses (3 metrics)

2503

Non-Interest-Bearing Deposit Share

funding

Value: 6.59%

Peer Median: 22.03%

#2503 of 2643 Bottom 5.3% in $100M-$1B

2285

Loan-to-Deposit Ratio

liquidity

Value: 97.09%

Peer Median: 77.95%

#2285 of 2643 Bottom 13.6% in $100M-$1B

2132

Efficiency Ratio

profitability

Value: 75.67%

Peer Median: 64.48%

#2132 of 2643 Bottom 19.4% in $100M-$1B