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Progressive Ozark Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 31488

Salem, MO

6 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 +1.6% year over year ($170.7M on the books).
  • Delinquency rate 0.03%.
  • Return on assets 2.30%.
  • Efficiency ratio 65.09% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.42% 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) →

Progressive Ozark Bank has 4 strengths but faces 2 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

  • + Revenue Diversifier: Top 26.8% in tier
  • + Profitability Leader: Top 28.4% in tier
  • + Net Interest Margin 1.62% above tier average
  • + Delinquency Rate 0.89% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 7.0% in tier
  • - Efficiency Ratio 0.61% above tier average
Get updates when Progressive Ozark Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $190.9M
+2.3% YoY +1.4% QoQ
-$195.7M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
24%
Total Loans ? $154.3M
+1.0% YoY -1.5% QoQ
-$104.0M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
36%
Total Deposits ? $170.7M
+1.6% YoY +1.3% QoQ
-$156.1M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
27%
Return on Assets ? 2.30%
+12.5% YoY +8.2% QoQ
+0.98% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Top 7.1% in tier
Net Interest Margin ? 5.60%
+4.1% YoY +2.5% QoQ
+1.62% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
Top 2.5% in tier
Efficiency Ratio ? 65.09%
+1.1% YoY +0.9% QoQ
+0.61% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
42%
Delinquency Rate ? 0.03%
-98.6% YoY -98.6% QoQ
-0.89% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
83%
Loan-to-Deposit Ratio ? 90.42%
-0.7% YoY -2.9% QoQ
+12.47% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
25%
Non-Interest-Bearing Deposit Share ? 22.43%
-2.2% YoY +1.8% QoQ
+0.40% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
56%
Nonperforming Asset Ratio ? 1.19%
-20.0% YoY -22.4% QoQ
+0.53% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
16%
Tier 1 Capital Ratio ? 13.45%
+6.1% YoY +1.7% QoQ
-2.46% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
52%
Non-Interest Income / Assets ? 0.43%
-19.0% YoY +82.5% QoQ
-0.14% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
Top 12.6% in tier

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 22.4%
-0.5pp YoY
+0.4pp QoQ
 +0.3pp 22.1% 20.9% 22.2% 56%
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 4.4%
-0.5pp YoY
-0.1pp QoQ
 -7.2pp 11.6% 12.3% 12.5% 16%
CRE 16.3%
+0.6pp YoY
-1.7pp QoQ
 -23.2pp 39.5% 36.8% 41.4% 12%
1-4 Family 46.8%
+0.3pp YoY
+1.0pp QoQ
 +14.1pp 32.6% 31.9% 31.3% 79%
Consumer 5.5%
+0.1pp YoY
+0.1pp QoQ
 +1.3pp 4.1% 4.1% 5.0% 80%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 13.4%
+0.8pp YoY
+0.2pp QoQ
 -5.4pp 18.8% 18.5% 19.7% 33%
Leverage Ratio 9.8%
+0.3pp YoY
+0.1pp QoQ
 -2.4pp 12.2% 11.6% 12.6% 26%
Total Capital Ratio 14.7%
+0.9pp YoY
+0.2pp QoQ
 -5.2pp 19.9% 19.6% 20.8% 34%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 54
-2 (-3.6%) YoY
+2 (+3.8%) QoQ
 -5 58 162 482 57%
Assets per Employee ($) $3.5M
+6.1% YoY
-2.3% QoQ
 -$4.0M $7.5M $8.0M $8.8M 2%
Branch Count 6
0 YoY
0 QoQ
 +1 4 10 18 66%

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 0.0%
-1.8pp YoY
-1.8pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 6%
Allowance Coverage 42.45x
+7766.2% YoY
+6398.7% QoQ
 +18.30x 24.15x 10.47x 20.23x 94%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 56%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 24.2%
+2.1pp YoY
+1.7pp QoQ
 +12.0pp 12.2% 14.3% 11.6% 95%
Cost of Funds (YTD) 0.9%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.8% 1.7% 9%
Net Income ($, YTD) $2.2M
+18.6% YoY
— QoQ
 -$372K $2.6M $11.3M $40.4M 56%

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 (2)

Revenue Diversifier

growth
#178 of 661 • Top 26.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.43%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.30%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Profitability Leader

growth
#189 of 661 • Top 28.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.30%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Liquidity Strain

risk
#49 of 691 • Bottom 7.0% 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: 90.42%
(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

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 (4 metrics)

66
Net Interest Margin
profitability
Value: 5.60%
Peer Median: 3.99%
#66 of 2643 Top 2.5% in $100M-$1B
188
Return on Assets
profitability
Value: 2.30%
Peer Median: 1.32%
#188 of 2643 Top 7.1% in $100M-$1B
334
Non-Interest Income / Assets
revenue_mix
Value: 0.43%
Peer Median: 0.57%
#334 of 2643 Top 12.6% in $100M-$1B
446
Delinquency Rate
credit_quality
Value: 0.03%
Peer Median: 0.92%
#446 of 2633 Top 16.9% in $100M-$1B

Top Weaknesses (2 metrics)

2210
Nonperforming Asset Ratio
credit_quality
Value: 1.19%
Peer Median: 0.67%
#2210 of 2643 Bottom 16.4% in $100M-$1B
2006
Total Assets
size
Value: $190.90M
Peer Median: $386.57M
#2006 of 2643 Bottom 24.1% in $100M-$1B
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