Ozark, MO · Cert 1654
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Springfield, MO · 2026 SOD (annual) · 1.6% share · #17 of 41 inst. · $0.3B of $17.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.91% | 1.15% | 1.20% | 1.30% | 1.25% | 1.04% | 0.88% | -32 bps | |
| Return on Equity | 13.16% | 14.21% | 17.06% | 17.42% | 18.04% | 16.96% | 12.88% | 10.76% | -666 bps | |
| Net Interest Margin | 3.21% | 3.20% | 3.51% | 3.62% | 3.63% | 3.85% | 3.99% | 4.07% | +46 bps | |
| Efficiency Ratio | 66.16% | 64.53% | 60.55% | 59.25% | 57.87% | 57.59% | 56.11% | 57.08% | -217 bps | |
| Non-Interest Burden | 2.00% | 1.94% | 1.98% | 2.00% | 1.95% | 2.06% | 2.08% | 2.16% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.46% | 2.58% | -5.97% | 2.58% | -2.29% | -9.61% | 1.24% | -6.22% | -881 bps | |
| Loan Growth (YoY) | 4.27% | 6.77% | 5.73% | 9.68% | 9.91% | 5.39% | 3.76% | -1.17% | -1,085 bps | |
| Deposit Growth (YoY) | 3.16% | 1.71% | -0.90% | 8.21% | -5.66% | -21.93% | -2.87% | -11.27% | -1,948 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.47% | 1.47% | +147 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.19% | 1.16% | 1.16% | 1.17% | 1.18% | 1.18% | 1.39% | 1.75% | +58 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 0.9x | 1.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.95% | 8.60% | 8.57% | 8.89% | 8.91% | 9.01% | 9.05% | 9.23% | +33 bps | |
| Total Risk-Based Capital | 14.37% | 13.67% | 14.24% | 14.15% | 14.40% | 14.01% | 9.05% | 9.23% | -493 bps | |
| Equity / Assets | 7.23% | 6.19% | 7.31% | 7.29% | 8.18% | 8.15% | 8.04% | 8.34% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.76% | 71.04% | 85.96% | 81.93% | 96.42% | 95.89% | 91.82% | 91.25% | +932 bps | |
| Liquid Assets / Assets | 8.62% | 9.85% | 4.65% | 8.71% | 2.84% | 3.59% | 4.76% | 5.69% | -302 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 387% | 393% | 371% | n/a | n/a | |