Ozark Bank
Ozark, MO · Cert 1654 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 4 branches
Q2 2026
$341.0MAssets
$258.3MLoans
$283.1MDeposits
$28.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 71% of banks under $1B in assets operating in a single state (rank 217 of 746).
- Widest gap: total risk-based capital ratio trails 98% of banks under $1B in assets operating in a single state (rank 730 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.89%
Rank 465 of 746
Net Interest Margin
4.07%
Rank 217 of 746
Efficiency Ratio
57.08%
Rank 216 of 746
Equity / Assets
8.34%
Rank 618 of 746
Non-interest income vs. expense
Unfavorable gap of $7.5M · efficiency ratio beats 71% 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% | 1.06% | 1.45% | Beats 38% | 465 / 746 | |
| Return on Equity | 10.69% | 6.74% | 10.51% | 13.63% | Beats 52% | 360 / 746 | |
| Net Interest Margin | 4.07% | 3.17% | 3.68% | 4.16% | Beats 71% | 217 / 746 | |
| Efficiency Ratio | 57.08% | 55.74% | 64.58% | 75.47% | Beats 71% | 216 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.47% | 0.09% | 0.42% | 1.07% | Beats 17% | 614 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 71% | 218 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 9.23% | 11.55% | 13.75% | 17.60% | Beats 2% | 730 / 746 | |
| Total Risk-Based Capital Ratio | 9.23% | 11.71% | 14.33% | 18.43% | Beats 2% | 730 / 746 | |
| Equity / Assets | 8.34% | 8.90% | 10.51% | 13.06% | Beats 17% | 618 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 91.25% | 61.31% | 78.27% | 90.78% | 76th pctl | 178 / 746 | |
| Loans / Assets | 75.75% | 53.60% | 66.97% | 76.08% | 73rd pctl | 198 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |