Ozark Bank
Ozark, MO · Cert 1654 · Peer group: banks under $1B in assets operating in a single state (n=748-752)
State charter, non-member · FDIC · 4 branches
Q2 2026
$341.0MAssets
$258.3MLoans
$283.1MDeposits
$28.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 72% of banks under $1B in assets operating in a single state (rank 215 of 752).
- Widest gap: total risk-based capital ratio trails 98% of banks under $1B in assets operating in a single state (rank 736 of 752).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.89%
Rank 473 of 752
Net Interest Margin
4.07%
Rank 228 of 752
Efficiency Ratio
57.08%
Rank 215 of 752
Equity / Assets
8.34%
Rank 626 of 752
Non-interest income vs. expense
Unfavorable gap of $7.5M · efficiency ratio beats 72% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.72% | 1.07% | 1.45% | Beats 37% | 473 / 752 | |
| Return on Equity | 10.69% | 6.78% | 10.58% | 13.65% | Beats 51% | 366 / 752 | |
| Net Interest Margin | 4.07% | 3.18% | 3.69% | 4.17% | Beats 70% | 228 / 752 | |
| Efficiency Ratio | 57.08% | 55.75% | 64.49% | 75.47% | Beats 72% | 215 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.47% | 0.09% | 0.42% | 1.03% | Beats 17% | 623 / 748 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 72% | 218 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 9.23% | 11.55% | 13.75% | 17.60% | Beats 2% | 736 / 752 | |
| Total Risk-Based Capital Ratio | 9.23% | 11.70% | 14.33% | 18.47% | Beats 2% | 736 / 752 | |
| Equity / Assets | 8.34% | 8.93% | 10.56% | 13.13% | Beats 17% | 626 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 91.25% | 62.23% | 78.64% | 91.26% | 75th pctl | 189 / 752 | |
| Loans / Assets | 75.75% | 54.61% | 67.41% | 76.47% | 72nd pctl | 207 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |